| 03/06/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
BARCLAYS BANK DELAWARE XXXX XXXX. XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, RI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, WI XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX BANK XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).
I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.
B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ).
Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. 1995 ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ).
The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections.
Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : //www.justice.gov/opcl/paoverview_sourcebook ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, https : //www.justice.gov/paoverview_omb-75. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. 1978 ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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| 03/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/1972 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
BARCLAYS BANK DELAWARE XXXXXXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXXXXXX XXXX.
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, WI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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| 03/10/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX 1 XXXX XXXX Attn : XXXX Mt. XXXX, NJ XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX PO Box XXXX XXXX XXXX, SD XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
BARCLAYS BANK DELAWARE PO Box XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act XXXX XXXX XXXX XXXXt I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I XXXX have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission XXXX FTC XXXX has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. XXXX XXXX XXXX XXXX. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and XXXX ii XXXX a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).
I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.
B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ).
Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. 1995 ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ).
The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections.
Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in XXXX XXXX at 232, hXXXX XXXX XXXX ; XXXX XXXX Guidelines, 40 Fed. Reg. at 28,951, XXXX XXXX XXXX. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Cir. XXXX ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; XXXX v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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| 03/17/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
BARCLAYS BANK DELEWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that Experian, Equifax and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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| 11/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
Older American, Servicemember |
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COMPLAINT AGAINST BARCLAYS BANK WYNDHAM REWARDS CARD
Submitted to CFPB on XX/XX/2023
Account opened on XX/XX/2023by Wyndham/WorldMark when I singed a contract to purchase into a Wyndhams Vacation Club. I thought I was purchasing one thing and received something totally different. It was a bait and switch by Wyndhams salespeople. I was deceived and misinformed as to what I was purchasing. My finances were exploited. It was elder abuse with predatory sales practices by Wyndham. I did not find out the truth of what I purchased until much later. On XX/XX/2023, I filed a fraud dispute case with Barclays Bank for the amount of XXXX that was originally placed on a Barclays Wyndham Rewards Card by Wyndham. I was assigned a case number but given no email or online upload opportunity to send them documentation that consisted of a statement of what happened, copies of emails and other documents. On XX/XX/XXXX they sent me a letter telling me to submit information about the dispute, yet no way to send the information. I was finally given a FAX number and faxed information to them onXX/XX/2023. I received a confirmation that the FAXED was received. When I called them onXX/XX/XXXX, they said they never got the FAX because it went to the wrong department. They gave me a new FAX number and I sent it again on XX/XX/XXXX asking for a confirmation from them that they received it. Never received, but the second FAX went through just as the first FAX went through. I also sent them a package via US Mail with required signature showing that they received the packet. Awaiting a response. I also submitted disputes regarding automatic payments deducted by Wyndham in addition to the XXXX for XXXX for this total amount for each month that includes XXXX XXXX XXXX It is XXXX, and I have yet to receive anything for my membership purchased in July and nothing that was originally promised to me when I joined. Wyndham also charged XXXX on the Barclays Rewards Card for a gratis stay at a hotel to calm me down so that I would wait until things were set up for me. This gratis stay is still on the Barclays Card and has never been reimbursed by Wyndham as promised. Also, the gratis stay at the Days Inn was also charged on my Barclays Rewards Card. A total of XXXX points was taken off the card to pay for the gratis stay.
I have since closed the Barclays Card and am demanding release of the XXXX and XXXX for the XXXX payments for both September and October. In addition to any charges that I personally placed on the Barclays Card, that I have paid, I have also paid a total of XXXX toward the XXXX since XXXX XXXX. I want release from the XXXX and reimbursement of the XXXX that I have paid. Barclays has consistently made it very difficult to submit documentation to show fraud on the part of Wyndham/XXXX The important question that Barclays asked was whether or not I had complained and submitted information to Wyndham regarding the deceptive practices of their salespeople. The answer is yes consistently from the beginning and formally with their resolutions department beginning on XXXX XXXX. Wyndham representatives say it may take months to resolve even though it has been escalated.
DETAILED STATEMENT:
My husband and I came to the sales office on XXXX XXXX XXXX, because we won a free one-week trip tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on a spin of a wheel that landed on the free trip. We once had a good experience listening to a Timeshare presentation by XXXX XXXX XXXX XXXX but we also had a very bad experience with XXXX XXXX XXXX We were very skeptical, but the name Wyndham sounded like it could be legitimate. So, we made the appointment to come in and listen to the sales pitch to get our free trip. We viewed a film and then we were assigned to XXXX XXXX My husband wanted to leave, but I told him I was interested in hearing what the salespeople had to say. There was no interest at first in joining any kind of travel club. XXXX immediately began talking about how we could go to nice resorts or on cruises if we bought into a club membership. I told her we were not interested in resorts or cruises. She asked what interested us. I told her we like first-class train trips and were interested in business-class flights to Italy, as our daughter lives there, and we like to visit her at least once each year. I told her we just got back from Italy in March and that we were going to Iceland in XXXX. I told her we wanted to book the XXXX XXXX XXXX Canada for XXXX for our XXXX XXXX XXXX and my XXXX XXXX She told us we could do all of this with a membership at great discount or for free using the credits that came with membership.
I also told her we like bicycling, and it would be nice to be able to stay at nice hotels while biking in XXXX XXXX XXXX or along the coast. I mentioned that we liked biking over to XXXX XXXX and had thought about staying at the XXXX XXXX XXXX overnight. She said we could stay at the XXXX for XXXX per night. I was really astounded as the XXXX is very expensive. I said back to her, I can stay overnight at the XXXX for XXXX a night? She said, Yes. She said it was on a sliding scale and that we could stay multiple nights and even for a week for a little over XXXX.
I then asked her about other places, like XXXX XXXX, where I do a lot of presentations, hikes, and research for books I write. I told her we lost our rental of 14 years and were looking at paying hundreds of dollars for motel stays in XXXX XXXX She said the cost would also be XXXX per night or with small increments for added nights. So, I got hooked on the promises of XXXX hotel stays anywhere, including Italy. I know what I have paid for hotels, and that really sounded like a deal. She said that I would be able to use credits for flights, train excursions, and hotel bookings. She said that membership would be for life, and we could pass membership down to our children. Then she invited in her sales manager XXXX XXXX to join us at our table. XXXX immediately brought out a sheet explaining that membership costs XXXX but because we had come in, he could reduce the price. He mentioned a figure around XXXX, and I said way too much, and we were not interested. Then XXXX asked if XXXX was a XXXX, and he said yes. He was a XXXX XXXX in XXXX Then XXXX reduced the price to XXXX if we agreed to purchase a membership that day. XXXXl wanted a copy of the sheet he wrote on, and XXXX made a copy for him. XXXX then took the sheet and went to get a sandwich that they offered him and asked when we were going to leave. I told him I wanted to continue the discussion with the salespeople because I thought it might pencil out to be a good deal.
I explained to XXXX and XXXX that I could be interested. I shared with them that my husband has some XXXX and I wanted to provide some good experiences for him while he could still enjoy them and remember them. I was still not committed because I really was not interested in paying interest on a large sum of money. That is when XXXX said that I would not have to pay interest because the cost could be put on credit cards that were interest free for six months. Then the balance could be transferred to another card so that I would have 18 months to pay off the purchase. XXXX said he would personally call me in January and have the balance transferred so that it would be interest free. I was still not sure, and for over 5 hours they kept pressuring me while my poor husband just kept saying he wanted to leave. He was the smart one.
In a final summary statement I said, if I purchase this membership today for XXXX, I will get everything you promised: hotel stays at XXXX per night at such places as the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; business-class flights to XXXX or elsewhere at either highly discounted prices from 45-65% off retail or for free by using credits; first-class train trips for much less than advertised retail or free by using credits; discounted car and motorhome rentals (I told them we had a trip planned to see the eclipse on XXXX XXXX and that we were thinking of renting a motorhome to drive to XXXX; no interest on payment for 18 months; we could pass ownership to our daughter who would receive the yearly credits; and resort stays anywhere around the world, including our free XXXX week. XXXX and XXXX then said they would each give us some of their own credits to make sure our XXXX vacation was paid for by giving us XXXX credits that would be posted to our account in XXXX (I found out later this was an outright lie as they did not give us any of their personal credits the credits are bonus credits that were coming to us because we signed up).
After more than five hours of haggling, we went into XXXX XXXX XXXX. By that time another sales manager was in the deal: XXXX XXXX XXXX. As we went through the contract and as I asked questions, XXXX began to question if I really wanted to sign. XXXX had taken away the various sheets he had written on with the original price and the discounts on it. I asked him to give those back to me. He wouldnt, but he brought out another sheet and just wrote information about interest free payments. I have a copy of the original price he said we were getting that he had given to Lowell that shows the price before all the discounts were added. The back of the sheet shows how points could be used for business-class flights and hotels. He also wrote that retail prices of other travel trips would be discounted 45-65% off retail prices if purchased through the Wyndham Travel Club.
XXXX continued to write on my copy after XXXX moved away from us. On my copy he wrote each new price before the next discount was added with each of the older prices lined out, leaving the final price I needed to pay for membership. I believe now that XXXX did not want me to have that copy showing how he discounted every price to the final price. He probably would have picked up XXXX copy, but he had forgotten about it because XXXX was at a separate table being fed sandwiches.
I found XXXX copy much later in a file at home. This document describes what we were offered: we were purchasing a XXXX package that was the highest tier that was listed for about $XXXX per credit that equals 60 credits at the Platinum level that would provide everything promised, including hotel stays at XXXX per night. It was later that I learned in an email from XXXX XXXX, dated XXXX XXXXthree months after signing the first and second contractthat the XXXX is the amount per day to use XXXX XXXX and not the cost for a stay. The actual cost to stay in such places, like the XXXX XXXX XXXX XXXX XXXX XXXX, would be XXXX PLUS the cost of the room. I was totally deceived by all salespeople who were pushing me to sign the contract. I have several emails sent to salespeople reiterating and asking for confirmation that I would only pay XXXX per one night stay. They always confirmed verbally.
When XXXX really questioned if I should sign because I was so unsure, I asked XXXX and XXXX if everything that I was promised would happen, and they affirmed. So, I signed. I later discovered that I did not receive what was promised and presented, which was the Platinum tier at a great discount, but instead, I paid full price for the lowest tier that did not have enough credits to really use as I needed and did not include the personal choice needed to obtain business-class flights or specialized first-class train excursions, such as the XXXX XXXX all the things that I was interested in that they said I would receive with the discounted membership.
The sales team knew that XXXX and I were leaving shortly for an extended tour of XXXX. No one said anything about having only two weeks to cancel the contract after signing. When I came back from XXXX and really had second thoughts about how I had been so highly pressured into signing, I called XXXX and asked her about canceling. She said I could not because I would have had to cancel within two weeks, and it was then after two weeks of signing the contract. She said I was stuck with the membership.
I decided to be positive about the membership because I still believed I had everything that was promised to me and would be able to schedule the XXXX XXXX train trip through Wyndham. I even told the sales representative at XXXX XXXX that the trip would be booked through the Wyndham travel club that I joined. I began telling friends that I would be able to stay in XXXX XXXX XXXX XXXX and better than that, I could reserve a couple of rooms at the XXXX XXXX when folks were biking with us, and they could stay there also at the highly discounted price. I told my daughter in XXXX that I would pay for flights for her and her husband through our credits to bring them here for XXXX and that we could rent a home or stay at XXXX XXXX XXXX XXXX for several days over XXXX XXXX My son-in-law then put in a request to his employer (he is an XXXX working in XXXX for a XXXX XXXX) to grant him vacation time during the holidays. I believed everything the sales team promised me that they said was true. I had no reason at that time to think anything else except for an uneasy feeling about how they pressured me and hovered over me like a flock of vultures waiting for a meal. Once I signed, they were done with me. The care I was promised never came. They were off to find another victim.
I now believe they looked at our age, heard me mention that my husband had XXXX XXXX, sensed we had money and credit that they could access and thereby receive a sales commission, and they had assumed I was dumb and gullible enough to be talked into buying a membership. Well, they were correct there. I stupidly believed and trusted what they presented to me. They made it look like a really good deal. But what they had me sign was not the XXXX package discounted. It was the lowest tier at full price. This was a total, unethical predatory sales scam, or elder fraud, based on deception and false pretenses when they saw my vulnerability because of my concern about my husbands condition, my desire to visit our daughter yearly and provide XXXX comfortable accommodations on flights, and my need to have a place to stay in XXXX XXXX that was affordable.
In signing this first contract, no one told me how my credit score would be affected. It dropped from excellent with over an XXXX score to good with a loss of about XXXX XXXX. I was also told to use the Barclays credit card as much as possible to earn additional travel points, although I really did not understand what that entailed, as it was never explained. What I found out immediately was that I could not use the card at all because it was declined as XXXX was placed on the Barclays card when I signed the contract (THIS IS THE XXXX THAT I AM CONTESTING WITH BARCLAYS). I immediately called XXXX and asked what was going on. He said, just pay XXXX now and they will increase your credit limit so that you can use it. I called Barclays. They said that they do not automatically increase credit. They said that there was nothing in the contract from Wyndham that said I was promised a higher credit limit. It was also a card that needed to be paid off in six months or otherwise there would be charges of 25.24% interest on the unpaid balance. Hassan said not to worry because the balance would be moved to another interest free account. I could see that this plan could become a real nightmare trap that could possibly lead to huge interest payments while my credit score would continue to drop. Again, I would have to trust a salesperson. Now I know I cant trust any of them because they are there to make a profit for themselves and will say anything to get the sale.
THE SCAM CONTINUED:
I was talked into signing a second contract to upgrade in order to get what I was originally promised. This second complaint does not involve Barclays, which this complaint is about. However, if you need this information about the rest of this scam - I will upload below.
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| 08/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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I am writing to report that I have been the victim of unfair business practices by XXXX XXXX for XXXX account ending in XXXX during the months of XXXX and XX/XX/XXXX. XXXX has chosen to forgive some of the charges during this period of fraudulent activity but maintains that some are legitimate charges that I am responsible for, despite my repeated efforts to explain the situation to the company and resolve the issue in a timely manner by reporting fraud as soon as the first unknown purchase was made on the account.
I maintain that it is unfair and unjust to forgive most of the charges, which suggests the company agrees that the charges were fraudulent, and then make me pay any remaining amount.
In this communication, I am including the following sources of supporting information to demonstrate that I am the victim of identity theft, the charges on this account were fraudulent, and that XXXX XXXX has demonstrated unacceptable negligence in the handling of my accounts that has compromised my credit standing and put my public record at risk.
To support my claim I have the following information : A list of the dates and the associated charges that I contest on account ending in XXXX - An Identity Theft Report filed with the FTC on XX/XX/XXXX ( already provided to XXXX XXXX XX/XX/XXXX ) - A recounting of my interactions with XXXX XXXX over the past XXXX and a half months that shows clear negligence in handling fraudulent activity in XXXX and XXXX of XXXX which enabled ongoing purchases by an unauthorized actor after I had already reported fraud ( included in the following sections of the docuemnt - Documentation that I was not physically present in the United States at the time and place the purchases in question were made for account ending XXXX, including : XXXX ) airplane ticket receipts, XXXX ) passport stamps and passport, XXXX ) government issued ID with my actual address ( not the fraudulent one added to my credit report ), XXXX ) credit card statements from the credit cards I actually do use that show I was making legitimate purchases in XXXX at the time the fraudulent XXXX XXXX Charges were made ( already provided to XXXX XXXX XX/XX/XXXX ) I did not use a XXXX XXXX for any purchases in the year of XXXX, as the account had stayed unused.
The unauthorized actor used multiple accounts to make purchases, and was activating cards using compromised online access to my web account. The accounts used by the fraudster were those ending in XXXX, XXXX, and XXXX List of charges that I am contesting for account ending XXXX as fraudulent activity XX/XX/XXXX - {$6.00} - XXXX XX/XX/XXXX- {$300.00} - XXXX XXXX Co.
XX/XX/XXXX - {$10.00} - ABJ Cash Advance XX/XX/XXXX - {$6.00} - XXXX XX/XX/XXXX - XXXX - XXXX XXXX Co.
XX/XX/XXXX - {$310.00} - XXXX XXXX XX/XX/XXXX - XXXX - XXXX XXXX XX/XX/XXXX XXXX {$10.00} - XXXXXXXX XXXX XXXX XX/XX/XXXX - {$63.00} - XXXX XXXX XXXX XXXXXX/XX/XXXX - {$15.00} - XXXX XXXX XXXX XXXX XX/XX/XXXX - {$800.00} XXXX XXXX XXXX XX/XX/XXXX - $ XXXX XXXX by XXXX XX/XX/XXXX - {$130.00} - XXXX XXXXXXXX XX/XX/XXXX - {$200.00} - XXXX XXXX XX/XX/XXXX - {$17.00} - XXXX XXXX XXXXXXXX - {$10.00} - XXXX XXXX XXXXXXXX - {$24.00} - Cash Advance If there are any other charges on account ending in XXXX during the time period from XX/XX/XXXX to XX/XX/XXXX, that I have not documented above, I contest these as well.
Timeline of My Interactions with XXXX in Response to Fraudulent Activity and Identity Theft XX/XX/XXXX I was in XXXX XXXX, XXXX, and received a notification on XXXX saying that my XXXX XXXX credit card account number XXXX was used for purchases in XXXX XXXX, XXXX. I attempted to block the card on my app, since I did not have the card on my person and had not made any purchases using the card online since arriving in XXXX, and so immediately knew these charges were fraudulent. I attempted to log into the online account but did not remember my password to this account because, as you can see from statement histories, I had not used the account for XXXX months.
In light of this, I called XXXX XXXX to warn about fraud at XXXX XXXX ( I got the number from the contact XXXX section of the app on the phone ) at XXXX pm until XXXX pm, and again from XXXX to XXXX pm ( XXXX XXXX ). The person who I spoke said their systems were down and I would have to call back to report fraud tomorrow, as there was nothing he could do right now. This call should be recorded, as I have been informed that all calls with a XXXX representative are recorded for compliance and quality assurance.
XX/XX/XXXX I called XXXX XXXX again at the same number as above at XXXX pm ( local time in XXXX XXXX ) and warned them about the fraud I had identified the previous day. I let them know that I was out of the country, did not have the card on my person, and therefore couldn't have been using the card in XXXX XXXX. The person claimed to register my complaints, saying that they blocked the card and started a fraud investigation placing a hold on the account XXXX.
After this call I thought the problem was solved.
XX/XX/XXXX On this date I was in XXXX de XXXX, XXXX, and received another notification from XXXX saying the card for account ending XXXX was used again in XXXX XXXX after I had reported the card for account ending XXXX as compromised and previous activity on this account as fraudulent.
I called XXXX XXXX at XXXX XXXX XXXX, which was provided to me as the direct line to the fraud department, from XXXX pm until XXXX XXXX ( XXXX time ). On this call, we discovered the person committing fraud had obtained access to my online account profile. I noticed I had received a notification saying that my address and phone number were changed for the account XXXX and all associated accounts with my name, without my authorization or knowledge. The address was changed to XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
I again tried to report fraud and was informed that there was no active fraud investigation on my account from the XX/XX/XXXX call. I again requested to initiate a formal fraud complaint at this time. I also requested that my accounts with XXXX XXXX be closed because I was extremely concerned at the unauthorized access to my account that enabled changing contact information and enabling continued purchases on the account.
XX/XX/XXXX I received a notification that a payment was being made on the account ending in XXXX that I had already reported as fraudulent without my consent using my linked Capital XXXX bank account. I immediately called back XXXX to inquire about the payment and they said they could not stop it. This call to XXXX XXXX was made to XXXX XXXX ( from XXXX pm to XXXX pm ( XXXX time ). On this call I requested to speak to a XXXX and I was assured the account would be closed and no further purchases could be made on the account. However as you can see above, purchases were made on XX/XX/XXXX even after all my attempts to stop activity on the account ending XXXX.
My next course of action was to call XXXX XXXX and put a stop payment hold on the debit. I was successful in doing this.
Again, I was left with the impression that the problem was solved by XXXX XXXX at this time.
XX/XX/XXXX I received a surprising notification on XXXX and XXXX that my credit rating was downgraded XXXX points due to a missed payment. I had no idea what account this was for as I had received no notification of upcoming due payments from any financial institution. I called XXXX to inquire which account this was for and was informed that it was for XXXX XXXX mastercard.
I called XXXX XXXX and requested to speak to a XXXX to get an explanation of the situation. I was informed that I had been sent a letter on XX/XX/XXXX that outlined the results of my previous fraud investigation and the company found that the charges were deemed as valid because the purchases were done with a chip and thus had to be on my person.
This argument is illogical and is an unfair abuse of my rights as a consumer because I stated in initial calls with XXXX I did not have the card and can document that I was out of the country at the time these purchases were made. If the XXXX XXXX in question were on my person, I would be making purchases in XXXX as you can see from my active credit cards, plane tickets, and passport.
Furthermore, this letter was sent to an address that was added to my account fraudulently on XX/XX/XXXX, after I had already alerted the company to the fraudulent activity. The letter was sent to the XXXX XXXX XXXX, XXXX XXXX, CA XXXX address. I have never lived at this address, never received the letter, and received no notice of any missed payment deadline. Had I received this notice, I would have immediately contested the companys improper conclusion that there was no fraud. However, since the company sent the notice to an address that should have been flagged as potentially fraudulent, I was not given the opportunity to make my case.
On this call I re-initiated the fraud investigations on activity on my accounts in XX/XX/XXXX and XX/XX/XXXX. I called to notify XXXX of the fraud and immediately dispute the late charges posted to my account by XXXX as fraud. I then filed a FTC Identity Theft report. In this report I detailed the events already outlined above relating to identity theft and fraudulent purchases using my name.
XX/XX/XXXX I called to ask where to send the FTC Identity Theft report that I filed on XX/XX/XXXX. I was given a fax number and sent it to XXXX XXXX.
XX/XX/XXXX I called in response to repeated calls from XXXX. On these calls, upon answering, the person on the other end would abruptly hangup. The number the call was coming for was XXXX ( XXXX ) XXXX. I requested that the company stop calling me in this manner because it was causing me distress and I am contesting the charges. I was informed that they can not stop the system from calling me automatically and there is nothing that can be done. I felt like I was experiencing abusive debt collection for debts that I had already documented I did not owe and that accrued in large part due to the companys own negligence.
XX/XX/XXXX I received the XXXX attached letters relaying the fraud determinations for accounts ending in XXXX and ending in XXXX. The XXXX letters referencing account XXXX said that I was responsible for the charges. I will note that XXXX of these letters misspelled my middle name, further indicating the disorganization of XXXX XXXX. The other letter about account XXXX said that they had deemed these charges as fraudulent and I was not responsible for the charges on this account. To my knowledge, I did not know that there were multiple accounts under my name and it was at this time unclear why the company was investigating both of these accounts for fraud. I did not get an explanation for this until XX/XX/XXXX.
No charges made under my name with my XXXX XXXX accounts were authorized by me and they were all fraudulent charges. All of the charges during the month of XXXX, XXXX through XX/XX/XXXX were made in XXXX XXXX when I was in XXXX and I did NOT have any XXXX cards on my person. I have been trying to plead my case that I did not authorize any of these charges for months at this point in time.
In response to these letters I called to inquire about what the rationale for these determinations was and was informed that the system is down and I cant receive any information.
XX/XX/XXXX I called XXXX XXXX back and requested to speak to a XXXX to understand why they decided charges on account XXXX were not fraudulent. I was on hold for XXXX to XXXX hours waiting for a XXXX. When I spoke to a XXXX they listened to my story and told me to fax in the documentation showing that I was out of the country.
I was given a fax number and address.
Fax : XXXX Address : po box XXXX XXXX, DE XXXX I received no explanation about why the charges were not deemed fraudulent.
XX/XX/XXXX I received a call from XXXX XXXX about collections on charges on account ending in XXXX. I explained the saga again and they informed me to send the documentation to a different fax number and address.
This time it was : Fax : XXXX Address : po box XXXX XXXX, DE XXXX XX/XX/XXXX I attempted to fax my formal dispute, summary of events, and supporting documentation to the fax number provided over the phone and it did not go through. I believe that XXXX XXXX XXXX have been giving me incorrect fax numbers to inhibit my ability to advance my case with a formal written complaint in a timely manner.
After the numbers they provided during phone conversations did not work, I faxed the above statement with associated documentation to XXXX at ( XXXX ) XXXX ( the fax number on their website ).
XX/XX/XXXX I called XXXX at XXXX ( XXXX ) XXXX to confirm that they received the fax and had reopened the investigation. They confirmed that they had and the investigation was still open.
XX/XX/XXXX I received XXXX letters in the mail. XXXX dated XX/XX/XXXX that said the charges on account ending in XXXX were deemed accurate. I received another letter dated XX/XX/XXXX, stating that the charges on account ending in XXXX were deemed fraudulent. I had no knowledge that this account had been created and was under investigation.
Considering I sent my fax at XXXX on XX/XX/XXXX, I believed that the letter about account ending in XXXX was sent before my supporting documentation and formal written request to reconsider the charges on account XXXX as fraudulent. I called XXXX at XXXX ( XXXX ) XXXX to confirm fraud investigation was still open. They informed me that the dispute was still open.
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| 12/04/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I filed a dispute with Barclays in XXXX for a charge on XX/XX/2023 for {$2700.00} because the plumber failed to complete a project. Specifically, this is my original dispute message to Barclays : A tenant reported sewer smell in the building. XXXX the plumber went out, told me the issue and said he'd come back to fix them. He sent me the bill after a few days with pictures of the problematic parts, I thought everything was resolved. However, the tenant reported the issue persisted. I thought it's more of a warranty issue. My property manager and I have been contacted him for weeks but we couldn't get him out to finish the job and later were not able to get in touch with him. The tenants were threatening to escalate, so we have to get another plumber, turns out the toilet was not replaced, the pipe was not fixed, the bathtub fixture was not replaced. Those were all listed in the invoice and I need to pay another plumber to fix essentially most if not all of the items listed, and potentially escalated actions from tenants.
After not receiving any updates for months, on XX/XX/2023, Barclays called and left a voicemail, asking me to reply within 2 business days or else the case will be closed. I called within a few hours, they wanted me to fax or mail the invoice of the original plumber, invoice ( s ) of the work to complete the project since the original plumbers departure, and a second opinion letter stating the original plumber did not finish the work, within 48 hours. At that time, I have requested Barclays to provide all supporting documents and correspondence provided by the merchant to me. Due to the tight deadline, I had immediately contacted all the contractors who have involved with the project to see whoever is able to provide the second opinion within the timeframe. Note that at that time, Barclays did not mention the second opinion letter had to be from a licensed plumber. Therefore, one of the contractors who witnessed the entire event was able to provide a letter attesting the original plumber did not finish the project, and we had to hire another plumber to complete the project.
One day after XXXX request, on XX/XX/2023, I had faxed my supporting documentations. After that, I had not received any updates from Barclays for two weeks. I decided to follow up on XX/XX/2023 to confirm if the XXXX fax was received and the status of the case. I was told by Barclays that the fax was received and the case was still investigating as of XX/XX/2023.
However, I noticed later that night a rebill amount {$2100.00} was charged on my account on XX/XX/2023. Worrying about the previous phone rep might not had enough permission to see the full status on the case, I decided to send a secure message immediately on XXXX online portal. I got a response shortly after that the secure message system was not able to handle dispute cases. Therefore, I called again on the next day on XX/XX/2023. Barclays had initially told me the case was still investigating with no update. After I have pushed for an explanation on the rebill amount of {$2100.00} on XX/XX/2023, they told me a letter was going to be sent out and they can not disclose the reasoning over the phone until I received the letter. Note that I had yet to receive any supporting documents and correspondence provided by the merchant to Barclays at that point, so I had requested such information again during the call. I have also requested to apply a provisional credit of {$2100.00} that was rebilled on XX/XX/2023 until the case is resolved, I was told it can only be done after I received the letter.
I had finally received the letter on XX/XX/2023, dating on XX/XX/2023, stating the following reasons : We were not provided with proof that the merchant agreed to refund the credit card account.
We were not provided with a valid second opinion as previously requested.
I was never told to provide the first piece of proof, and I had already provided a second opinion letter within a calendar day, and confirmed by Barclays that they had received it. The letter also mentioned that I had to contest the case within 10 days of receiving the letter. Therefore, I called immediately on XX/XX/2023 upon receiving the letter. At that time, I was told the second opinion letter had to be from a licensed plumber, which I was never told before, and I had to provide that within XXXX hours of this call. I mentioned it will be a challenge to get that letter from a licensed plumber, I was then allowed to provide such letter until next Friday ( XX/XX/2023 ). I was also assured that the case was still open, and since I had contacted Barclays, the case will not be closed until the deadline of XX/XX/2023. I had again requested to apply a provisional credit of {$2100.00} that was rebilled on XX/XX/2023 until the case is resolved, I was told they will send in that request only after I have submitted the documents.
Since I didnt have the direct number of the plumber, I had to contact the office of the plumbing company, and the master plumber was on vacation so it takes a few days to get permission from him. Nonetheless, I had stressed the importance to have this promptly, I was able to obtain the letter XXXX business days later on XX/XX/2023. I had immediately faxed it to Barclays and called after a few hours to confirm if the fax was received. I was told that faxes take XXXX hours to receive, but they had already closed my case on XX/XX/2023, 15 days after the XX/XX/2023. I believe the representative I talked to on XX/XX/2023 did not take any necessary steps to log our conversation and kept the case open. I was told during that call that the case could only be reopened upon receiving the fax.
I have called again a day later on XX/XX/2023, I was told the XXXX fax was received. The case will now be reopened since documents were received. I had again requested to apply a provisional credit of {$2100.00} that was rebilled on XX/XX/2023 until the case is resolved, I was told only the investigation team could do this and she had submitted the request.
After having no updates and no provisional credit for XXXX weeks, I followed up on XX/XX/2023. I was told the case was already closed. Meaning the representatives on XX/XX/2023, XX/XX/2023, and XX/XX/2023 did not take any steps to reopen the case at all. At that point, as a customer, I was not sure if they had able to add any notes to my seemingly closed case. I asked to escalate this case to a supervisor, and I was told I will receive a call within XXXX hours.
I received a missed call from a Barclays supervisor on XX/XX/2023. However, the voicemail did not leave any direct call back number or a number that leads to the escalated department. In the voicemail, she said I may return the call at the standard XXXX number. Therefore, I had to call again and went thru the entire escalation process again to ask and for a supervisor call back. During this call, Barclays continued to change the goal post. The agent said they were unable to accept the latest second opinion letter because it was not in a formal business letter head which was not previously communicated by any of the XXXX previous agents.
The supervisor called in the morning despite I requested for a call back at a different hour on XX/XX/2023. She acknowledged my point that the requirements were not specified regarding the second opinion letter on the original request ( it had to be a licensed plumber from the call on XX/XX/2023 ) and the follow-up request ( the letter had to be in a company letterhead from the call on XX/XX/2023 ). I went into great details on the exact specification on this second opinion letter in hope that Barclays doesnt change the goal post on me again. She was not able to confirm what information was needed in the letterhead ; she did not even answer the question of if company name, address, and phone numbers were required. She just said it just needs to be in a company letterhead, suggesting to me that theres no written standard for this requirement or if this was just a requirement made up by the previous agent on the fly and the subsequent agents had to follow thru with that. While inquiring in details on exactly what else were required from me to reopen this case, she said a statement was required on the fax requesting the case to reopen, which was never disclosed to me in the previous three calls.
I had faxed the revised second opinion letter with company letterhead and a cover letter stating this is a formal request to reopen this dispute case on XX/XX/2023. I had also made clear again that if any part of my dispute was rejected, I would like to request for a detailed itemized breakdown of the {$2100.00} line ( multiple repairs ) provided in the merchants invoice on exactly which line item was completed and could be supported with proof and which line item was not completed nor finished.
Since I didnt see any provisional credit applied to my account for another week, I called Barclays XXXX XX/XX/2023, I was told the XXXX fax was received. The rep, similar to the previous experience, did not have any updates nor had more information regarding to my request of applying the provisional credit of {$2100.00} until the case is resolved. Therefore, I have requested for a supervisor to call back. Similar to last time, I had requested a call back in the afternoon and was assured that a call back number will be provided in case I did not pick up the phone on time.
I received the call back in the morning, different than the requested call back time similar to last time, on XX/XX/2023. Unfortunately, I was not able to pick up the call at that time, and the voicemail did not leave any direct call back number. Similar to the previous experience, I had to call the general number again and went thru the entire escalation process again.
A Barclays supervisor was able to call me back on XX/XX/2023, ensured to me the case was reopened and informed me the new case number. I was told again that the provisional credit of {$2100.00} will be requested.
I called Barclays to ask for an update on XX/XX/2023. The rep said theres no update at this point but she said interest rate will not be charged for the disputed amount of {$2100.00}. Since there were no indication online, in the statement, or a separate notification letter regarding this, I requested for something in writing. The rep was not able to provide anything in writing other than this verbal confirmation, without mentioning any an end date for this interest rate waiver.
On XX/XX/2023, I received letter dated XX/XX/2023, saying my claim is declined again due to : Merchant has not violated the terms and conditions of the contract Insufficient proof of cancellation We were not provided with sufficient proof that the merchant has agreed to refund the account For the first point, since Barclays did not mention that the second opinion letter is insufficient, I expected Barclays has accepted this document. The second opinion letter has clearly stated that the merchant did not fully complete the project, clearly a violation of the terms and conditions of the invoice/contract.
On the second point, given that the merchant did not respond to any of communications at all until this date, this was a cancellation on his part. With this, the cancellation proof of burden should not be on me as I always intended for the merchant to complete the project in a timely manner, and the project was halted for a significant amount of time, just to wait for him to respond and eventually get back to the site and finish the project.
Lastly, I had repeatedly requesting Barclays to provide me with all supporting documentations provided by the merchant, which Barclays had failed to provide as of this date, unless the two-page invoice from XX/XX/2023 ( which I have also provided to Barclays ) XXXX the only time and everything the merchant provided ( as in, no additional correspondence nor letter was provided by the merchant ). If that was the case, it meant the merchant had failed to explained the fact that the project was not finished according to the second opinion letter, did not provide a detailed itemized breakdown of the {$2100.00} line ( multiple repairs ) provided in the merchants invoice, and did not provide proof on exactly which line item was completed. When the merchant did not respond or provide with an agreement to Barclays to refund the account, it should not mean the customer had to seek out directly to the merchant for such agreement as the core of this dispute was due to the Merchants lack of response both physically and over all communications method.
Given that Barclays has promised that zero liability should be bear by the customer in these situations and this case has extremely strong evidence to show that the merchant did not finish the work. I think it is unfair for Barclays to decline this claim.
|
| 07/31/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Servicemember |
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Received a phone call on XX/XX/2018 at XXXXXXXX about suspicious charges made at XXXX XXXX ( FL ) XXXX XXXX in the amounts of {$2000.00} and {$2000.00}. I was unable to answer at the time, so I called back on XX/XX/2018 at XXXX and spoke with a representative from the credit card company. They first asked me if I recognized / authorized the charges, and I immediately said " no. '' I was then asked if I had the credit card in my possession, and I said " yes '' ( incorrectly ; at the time I was so consumed with the idea that someone had stolen my card that I spoke without thinking or actually checking my wallet to see if I did have the card ). I was then told that an investigation would be opened, the card that was used would be closed, and a new one would be mailed to me. I was given a timeframe in which to expect a call-back regarding the decision the credit card company makes on my claim. I do not remember how long this window of time was.
I called back sometime within that window ( do not know the date ) to ask for an update, and I was told that the window of time hadn't elapsed yet so I should wait, as they were unable to provide an answer at the time. I believe it was during this phone call that I first informed the credit card company that I did not actually have the credit card in my possession as previously said.
I waited past the window of time I was given by the credit card company ( I believe the date was sometime around XX/XX/2018 ) and called back again asking for an update, and the representative I spoke to told me that they didn't understand why nobody called me yet - because we were now past the window of time they were supposed to take to make a decision - and that the case was now closed, in my favor, and I will see the money credited back to my account. I checked my online statement, and saw that the money was indeed credited to me.
Sometime later ( I believe the date was XX/XX/2018 ) I noticed the original fraudulent charges were re-charged onto my credit card account, so I called the credit card company to inquire about this. I was informed that the original decision was a mistake, and that the case had been closed - but not in my favor - and that the letter I was to receive in the mail which would state it was closed in my favor should be disregarded because it is incorrect. I was told by a supervisor ( operator # XXXX ) that because I originally said I had the card in my possession during the first conversation, they had made their decision immediately, based on that one piece of information, because if I had the card in my possession, then " ( I ) must have been the one to use it, because the card has a chip and a chip can not be duplicated. '' I explained to the supervisor that my mind was erratic at the time of that first phone call because I was overwhelmed and consumed by the fact that somebody had used my credit card to make over {$4000.00} worth of purchases, and that I spoke incorrectly by stating the card was in my possession ; however, I also brought it to his attention that I had immediately answered " no '' to their first question asking about whether or not I recognized or authorized the charges, but he informed me that it did not matter. This supervisor suggested that I file a police report, and said that doing so will result in them re-opening the case to investigate it further, as they would then be able to work with the police department.
On that same day - XX/XX/2018 - I filed a police report with the XXXX XXXX Police Department, case # XXXX. When I filed this report I was under the impression that the numbers listed on my credit card statement next to the transaction amounts were transaction IDs from the store ( XXXX and XXXX ). I believe this is what I was told when I first received the phone call about the suspicious activity on XX/XX/2018, but I do not remember for sure. Immediately after filing this police report, I contacted the credit card company to let them know, and provided them with a case number. I was asked to fax a copy of the police report to them at ( XXXX ) XXXX with " ATTN : Investigations '' on the cover sheet as soon as the police report was ready. I also noticed that the charges were dropped from my online account statement. I obtained the police report and faxed it to the credit card company on XX/XX/2018, as requested.
Sometime on or before XX/XX/2018, I noticed that the charges were once again re-applied onto my account statement. I called the credit card company on or before this date to ask why, and was once again told that the case was closed - not in my favor - and that I was responsible for all the charges. I spoke with a representative ( operator # XXXX ) on XX/XX/2018 and was informed that the fax of the police report was never received, and that the case was closed not in my favor. I was informed that the cover sheet of the fax must also include " Reference credit card number : XXXX '' which is something that I was not informed of originally, and was told that since the credit card number was not on the cover sheet that it may be a reason why they didnt accept the fax. I sent a second fax of the police report on XX/XX/2018, with the cover sheet labeled as requested.
Sometime on or around XX/XX/2018 I went to the XXXX XXXX XXXX XXXX - the location where I was lead to believe both fraudulent charges were made at - to ask for a copy of the purchase receipts and/or video footage in an effort to have the credit card company re-open the case and then close it in my favor, since at this time I was again being told I'm responsible for the charges and that they were no longer investigating it at all, even though I had a police report filed. XXXX XXXX provided me with copies of the receipts, and also cleared up the incorrect information about the transaction numbers - that they were actually store numbers, and not transaction IDs. They informed me that one purchase was made at the XXXX XXXX XXXX XXXX store, and that the other was made at the XXXX XXXX XXXX store, and provided the transaction receipts for both stores. They also informed me that they are only able to provide video surveillance footage to police offers, but that they did indeed have it available.
Upon receiving this new information, I went to the XXXX Police Department on XX/XX/2018 and filed a police report with them, as well ( case # XXXX ).
On XX/XX/2018 I went back to the XXXX XXXX police station to ask for assistance obtaining the video footage from the XXXX XXXX XXXX XXXX, and they helped me get an officer to meet me at the store and do so. Both a photograph and two video clips were obtained from the XXXX XXXX showing that it was not me in the video. The officer did not allow me to see the video, but told me he can " definitely tell it's not you. '' The officer then told me he would add the video and photo to my police report, as well as a copy of the purchase receipt from that store. He then also gave me a copy of the video, which I have since reviewed. I do not recognize the person who used my credit card.
Later on XX/XX/2018 I contacted the credit card company again, this time in an attempt to provide the new information and get them to re-open my case and investigate it. I was told that it was still closed, and that I was responsible for the charges. I asked to speak with a supervisor and was transferred to XXXX, operator # XXXX. I gave him all the information I had, and he told me would personally oversee my case from that point on. He said he would contact both police departments that I had filed reports with, and told me he promises a callback on XX/XX/2018 with an update.
I was never contacted on XX/XX/2018 as promised. I waited an extra week thinking he got busy or was getting around to it, but I still never heard from him. On XX/XX/2018 I called the credit card company and spoke with XXXX again. He informed me that he " attempted to contact both police departments but nobody answered and neither has called me back, and that's why I never called you. '' I expressed my dissatisfaction with this, explaining that I'd rather him just tell me that information on XX/XX/2018 as originally promised, as opposed to leaving me in the dark. '' I called back again on XX/XX/2018 to ask for the current status of my case, and to find out exactly how many attempts XXXX actually made to contact the police. I was told by a representative named XXXX that the current status was that my case was closed, and I was responsible for all charges. There was a supervisor named XXXX present with the representative as well, and they told me that they showed there was one single attempt made by XXXX to contact the police departments on XX/XX/2018, but it " was not verified '' because XXXX wasn't available at the time for them to ask him directly. I informed them that I wanted to know exactly how many attempts XXXX made to contact the police regarding my case, and that if they were unable to provide that information and if XXXX couldn't speak to me at the time then I wanted a callback with the information.
On XX/XX/2018, after speaking with the credit card company the second time, I contacted the XXXX XXXX Police Department to explain what was going on, and to ask the status of their investigation and whether or not they spoke with the credit card company. I was told that it was " out of their hands '' and that I would have to speak with the detective 's office, since it had been passed on to them. The detective 's office was closed at this time, so I was unable to talk to them on that day.
Sometime on or around XX/XX/2018, I spoke with Detective XXXX XXXX of the XXXX Police Department regarding my case. He informed me that they never received a phone call nor message from my credit card company.
By XX/XX/2018 I still hadn't received the callback from my credit card company with the answer to my question about how many attempts they made to contact the police. Also on this day I was able to get in contact with Sgt. XXXX of the XXXX XXXX Police Department, and she too informed me that neither a call nor message was ever received from my credit card company. She asked for the phone number of my credit card company and said she would try to contact them for me. I gave her XXXX 's name and his extension ( XXXX, which I was given on XX/XX/2018 ).
On XX/XX/2018 I called my credit card company to inform them of what both detectives that I spoke to had said. I spoke with a supervisor named XXXX and I also informed him that I will not be making any payments towards my account, and I told them I want them to contact the police departments again. I provided the names, phone numbers, and respective case numbers of both the officers I spoke with. I also informed him that I would be filing this complaint with the CFPB.
*A copy of the surveillance video is available, but your system will not allow me to upload it below because it is too large.
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| 10/18/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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|
Web |
Older American |
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Three identical complaints against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and a third member afraid to be identified but featured in the article linked below with her permission all have identical complaints directed against XXXX XXXX XXXX.
XXXX XXXX, a widow, has a CFPB complaint under review against different agents at the same sales center. I have heard from multiple XXXX XXXX readers about the agents at the XXXX XXXX XXXXr. The only other sales center with more complaints is XXXX XXXX and they have been sent to train VA agents.
XXXX has denied the XXXX claims as has the Virginia Attorney General. The predecessor to XXXX is XXXX. XXXX XXXX XXXX in all likelihood not knowing what XXXX XXXX stands for, makes annual contributions of a XXXX dollars a year through voluntary contributions as an " opt out '' donation to XXXX XXXX. I had to make multiple calls to get the XXXX} removed from our XXXX account.
Since CFPB and XXXX are reviewing XXXX XXXX 's complaint, I felt it was important to view all three identical complaints together, along with XXXX 's complaint, as they are so similar. XXXX has agreed to steer XXXX, XXXX XXXX XXXX XXXX and the third unidentified complaint through the process to file a complaint with the VA real estate division and I am searching for whoever is over the Virginia XXXX as he clearly is pro developer and anti timeshare consumer. The member afraid to be identified is afraid of retribution. She and her husband, late XXXX, were up-sold several times.
I can not believe I got myself into this but such blatant deceit, concealment, violation of trust and bait and switch makes XXXX XXXX pale in comparison. I have interviewed several current and former XXXX sales agents and managers, here and in the XXXX who confirm the complaints. The XXXX agents and managers said they refused to apply the tactics used in the XXXX in the XXXX. Here is what XXXX former XXXX XXXX said.
I watched every day, agents selling XXXX for double and close to triple what it was supposed to be sold for but management laughed and congratulated them for doing it. The maintenance fees statement about buying more and using that to pay your maintenance fees was a practice that was encouraged but be careful. Some of the agents, who still work at XXXX, would sell the program for $ XXXX when it was only in the XXXX range. XXXX of the guest came back to cancel but the agent said no worries I have if packed XXXX but I 'll give then XXXX off and still make a killing! Made me sick cause these particular guess were in their late XXXX ' early XXXX 's. I asked the agent if he had a conscience and he just laughed ... if you can get them to pay more you 're a hero!! They have the money!! Deception actually goes back further then that. We were told to pack the price for a trade in and imply that it was what they got back for there XXXX ... we sold it for the regular price ... .they got nothing for their XXXX!
All three complaints against XXXX XXXX XXXX are from Virginia residents.
Complaint # 1 Virginia residents XXXX XXXX, XXXX, expecting XXXX child in XXXX weeks XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXXXXXX XXXX ages XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX owners XXXX XXXX Filed with CFPB I have asked XXXX XXXX XXXX XXXX to cancel our loan due to deceit and bait and switch and have been denied. We were told if we opened a XXXX it would pay for our maintenance fees. XXXX XXXX XXXX XXXX XXXX told us to call him when we needed to pay our maintenance fees and he would help us with the process. When I tried to call him he did not respond. He also told us to call him when we book vacations. There was never an answer we called him.
XXXX XXXX, XXXX XXXX XXXX wanted us to buy XXXX more points bumping us up to get closer to XXXX for a trial XXXX. Also, when asked directly if we were to be in a financial hardship with the high payments that we were concerned about, would we be able to " give the points and loan back to diamond '' we were told " yes '' by another lady who came in later during presentation. We opened a second XXXX. XXXX told us to call him when it came time to pay maintenance fees and he would help us learn to use our XXXX points to pay off the said maintenance fees.
Bought XXXX points from XXXX XXXX XXXX XXXX ) Purchase price XXXX Down payment XXXX Monthly payment XXXX Combined yearly maintenance fees XXXX} XXXX told us Call me when you pay your maintenance fees and you will not pay anything in maintenance fees.
When we bought our last set of points they brought in another sales agent at the end. I told her my concerns about this being a huge financial burden and what if it became too much for us and we could n't make the monthly payments. My exact words to her were " Can we just give it back? '' And she looked me in the face and said " yes ''. That really was what settled our minds and made us feel like we could try it.
We were told our points are going to be worth more because they are selling for more than what we were paying for them.
XXXX XXXX Complaint # 2 against XXXX XXXX XXXX XXXX Virginia residents http : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX # XXXX XXXX XXXX VA I was a satisfied Timeshare owner for over XXXX years until we were deceitfully up-sold at our last update in XXXX by XXXX XXXX XXXX XXXX, XXXX. We have been financially stressed due to medical issues, struggling to pay maintenance fees. Our XXXX XXXX XXXX son was diagnosed with a chronic autoimmune XXXX requiring several hospitalizations over that year ( and years to come ), not to mention that I had recently been hit by a construction truck while walking across XXXX XXXX and suffered a concussion and residual issues.
Explaining these circumstances to XXXX XXXX, he told us about a XXXX day opportunity that would allow us to trade points to pay off maintenance fees if we opened XXXX XXXX card accounts amounting to over XXXX} worth of points.
When it was time for maintenance fees to be paid, we attempted to use the program he described to us. We only then learned no such program existed ; we 'd been duped into upgrading our membership and were stuck with larger annual maintenance fees in addition to paying off the credit card debt. We are now much worse off financially than we were XXXX years ago. XXXX XXXX has denied our request to cancel and refund the last contract, which would allow us to remain XXXX members. Simply surrendering the contract would not address the financial burden resulting from the deceit and would virtually endorse and encourage XXXX XXXX to continue to victimize other members. We are only asking for our last contract to be cancelled because there is no question he lied to us and took advantage of our vulnerability ( due to medical problems XXXX.
XXXX XXXX XXXX after the AZ XXXX received over XXXX XXXX XXXX accused of violating the AZ XXXX XXXX XXXX : " XXXX shall enhance its programs, policies and training and continue to instruct and train its Vacation Counselors and Sales Managers to comply with the ACFA. XXXX shall advise all Vacation Counselors and XXXX Managers that they XXXX not : i. deviate from sales material ii. make oral representations at the point of sale that are inconsistent with XXXX 's Purchase Documents. '' In XXXX response, XXXX clearly stated its position - that a sales agent is allowed to say anything under the sun to sell points. This is contrary to XXXX stating that it will go " above and beyond '' the requirement of the AOD rolling out XXXX nationwide. This corporate response says XXXX endorses and approves deceitful and " bait and switch '' tactics using/abusing the oral representation clause solely to XXXX 's benefit : XXXX XXXX XXXX XXXX ) Complaint # 3 Virginia Residents asked not to be identified XXXX XXXX, XXXX, XXXX XXXX in XXXX, VA by the XXXX, VA XXXX, XXXX points, XXXX Sales person XXXX XXXX So we attend, get a few updated details and then XXXX starts to tell us about this wonderful opportunity only being offered to certain Platinum owners! An ELITE program! Just for us!!! He did tell us about the XXXX program for luxury accommodations XXXX something wed likely never use as its spending MORE money and using less points when we have a hard time using all the points we have to start with and we told him so! ) and about travel service, which we do use to pay for travel with our points for airfare, etc., though those benefits are not what they used to be. But then the ELITE program wed be able to turn in points back to XXXX each year for XXXX to use, recycle them, to bring in potential owners and use our point allocations to do so. In exchange for turning these points in for recycling back to XXXX on the given year we would receive XXXX! AND that we would ALWAYS get XXXX XXXX off on points for reservations NO MATTER WHEN THEY WERE MADE. This would allow us to PAY FOR OUR FEES WITH THE XXXX and STILL have enough points on which to travel!!!
He convinced us to maintain the offer of this ELITE program by doing a sampler program which would of course be credited back toward the purchase. But wed have to buy AT LEAST XXXX points to take advantage of this program and be part of this ELITE group. Oh and we just had to contact him in XXXX when the fee invoices would be sent and hed tell us how to use the program.
We bought the sampler and - being so enticed by the fact that we would forever into the future ( according to XXXX XXXX be able to pay our fees this way and that this benefit would be passed on to our children and theyd also be able to pay the fees by recycling the points back to XXXX went back the next day while they were still there and purchased the points. We knew it would be more points than we could ever use in a year XXXX at least until we were well into retirement and have the time to travel more ) but that wouldnt matter because wed be recycling the points back for the XXXX so it would all work out.
Well no such program exists! They didnt give us anything in writing that day and even somehow retained our personal notes Im assuming so that wed have no proof of the lies they fed us. The Platinum Department NEVER HEARD OF THIS PROGRAM. We kept trying to find out from XXXX. His voicemail was always full. He never responded to email. Then we went to the XXXX XXXX XXXX, XXXX XXXX, who just put us back to XXXX who was now in VA XXXX. Of course when we finally DID get XXXX to call back he denied every telling us about such a program. A blatant LIE! The ONLY REASON we agreed to still more points was that we could now afford the ever increasing fees. WE NEVER WOULD HAVE BOUGHT THESE POINTS IF WE WERENT PROMISED THIS BENEFIT OF PAYING OUR FEES @ XXXX AND NEVER PAYING MORE THAN XXXX XXXX OF THE COST PER RESERVATION.
http : XXXX
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| 09/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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This issue pertains to a transaction I made using my Barclays Uber Visa Credit Card. In late XXXX and the early months of XXXX ( pre-COVID19 ), I had planned a group vacation to XXXX, XXXX. Our group had planned to rent a catamaran as an excursion on our trip. I was speaking with a concierge for the island who had put me in contact with an Ibiza-based company called XXXX XXXX ( https : XXXX ). The transaction to rent a catamaran rental for 25 people plus food and drinks was made on XX/XX/XXXX. The slated day for this excursion was supposed to be XX/XX/XXXX. The price was {$8300.00} USD in total. I opted to pay in full rather than a smaller deposit. This was booked prior to the news of the COVID-19 global pandemic. There was no contract provided by the company, they offered nothing to sign, and there were no terms & conditions provided. They simply asked me to pay via an online portal and then sent me an invoice receipt after payment ( which I have attached to this submission ).
News broke a month later that international travel bans would be put into effect preventing us from traveling to XXXX. Flights and hotel accommodations were canceled by our airlines and by XXXX. Due to the reasoning of XXXX XXXX, it would be physically impossible for us to travel to XXXX in order to make the date of our booking with XXXX XXXX. As I am sure you are aware, XXXX XXXX is a common clause that essentially frees both parties from liability or obligation when an extraordinary event or circumstance beyond the control of the parties, such as a war, strike, riot, crime, epidemic/pandemic or an event described by the legal term act of XXXX, prevents one or both parties from fulfilling obligations. ( https : XXXX ).
My hope was that the COVID-19 situation would get better over time and that travel restrictions would be lifted in time for us to make our trip so I waited it out 1-2 months. Instead, the global COVID-19 situation only got worse and, due to circumstances out of my control, I knew it was time to get in touch with XXXX XXXX in order to get the booking refunded. I contacted XXXX XXXX on XX/XX/XXXX to request a refund. In other words, XXXX XXXX was made aware that we would be unable to make the reservation 41 days prior to the reservation date. I have fully documented the exchange of this correspondence via screenshots and a transcript ( these are all attached with this submission ).
You will see in the text message screenshots and accompanying transcript between myself and XXXX XXXX that they acknowledged the COVID-19 implications on my reservation. They also acknowledge that the flights and accommodation to XXXX were canceled and it would not be possible for us to travel there. They were uncooperative and had offered impractical solutions to remedy the situation. I had explained to them that their proposed solutions would not work due to the circumstances of the global pandemic and they responded by saying they would provide me with a credit note that would eventually turn into a full cash refund. They stated that they would provide me with documentation confirming the receipt of this credit note but they never did. I informed XXXX XXXX that I would be filing a dispute with my credit card company ( Barclays ) on XX/XX/XXXX and then proceeded to do so. Since then, XXXX Holidays has not responded to a single message. I have sent them 7 text messages to their XXXX number ( XXXX XXXX XXXX XXXX XXXX ) all which went unanswered. I have called them 10 or more times at their phone number ( XXXX XXXX XXXX XXXX XXXX ) and they never picked up or called me back. I have emailed them multiple times at their email addresses XXXX and XXXX and never received a response. I have reached out to the companys owner, XXXX XXXX XXXX XXXX, via XXXX and never received a response. I reached out to XXXX XXXX via their XXXX page ( https XXXX XXXX ) and never received a response. I attempted to contact them via XXXX at their page @ XXXX and they subsequently blocked me from viewing their page ( screenshot of this attached ).
Another item of importance is in regards to the concierge who put me in touch with XXXX XXXX. This concierge is also located in XXXX. He was also in communications with XXXX XXXX in early XX/XX/XXXX around the time I had initially informed XXXX XXXX of the refund request due to the COVID-19 implications. The concierge has been made fully aware of the details of this issue and has provided me with screenshots and a transcript of his entire correspondence with XXXX XXXX and authorized me to use them in this case ( all of these items are attached in this submission ). In that correspondence, the concierge explains the travel restriction issues to XXXX XXXX and requests a refund for our group. XXXX XXXX acknowledges the issue and confirms with XXXX that they will be providing me a refund as well as documentation/confirmation ( which I never received ). Since XX/XX/XXXX, they have not responded to XXXX regarding this issue despite numerous calls and texts since then. All of the screenshots of their conversation are in their native language ( XXXX ), however, I have provided a translated transcript ( as well as the original ) for your convenience ( all attached ).
Barclays has been abhorrent in handling this case since the original claim was made. Their customer service has been the absolute worst I have ever experienced. Since my initial dispute claim on XX/XX/XXXX, I have called back about 2-3 times per week every week asking for updates or information. Many times, the customer service representatives are very rude and just hang up on me. Other times, they put me on hold for 30-45 minutes before the line disconnects and I'm forced to call back. On the times where I did manage to speak to a customer service representative, they repeatedly fed me the same three excuses : 1 ) I tried to connect you with someone in the Disputes Department but theyre not picking up 2 ) Due to COVID-19, we no longer have the staff to handle disputes by phone 3 ) We can schedule a Dispute Department Manager callback and someone will get back to you within 15 days. For the record, I have requested at least 5 manager callbacks and have not once been contacted by anyone. The most recent time I requested a callback was XX/XX/XXXX, which means it has been almost 21 days ( well over the 15-day timeline ). I last called back this past Monday, XX/XX/XXXX, where they said they were aware that the timeline had been exceeded and that there was nothing that they could do. They then told me to wait another 3-5 days for a manager callback. I'm not holding my breath. In other words, it is impossible to get someone on the phone and that is seemingly by design.
On XX/XX/XXXX, Barclays issued me a provisional credit for the full amount of the disputed transaction ( I have attached the letter they sent me stating this ). I requested that money be sent to me via check and put it into a separate savings account for safe-keeping where it still sits today. This credit, however, was only provisional. Then, on XX/XX/XXXX, Barclays proceeded to rebill me the full amount of the disputed transaction. In the letter they sent me, they state that " the merchant has since supplied documentation that details what the transaction represents. Unfortunately, we are unable to further pursue credit on your behalf for this particular transaction '' ( I have attached this letter to this submission ). Barclays did not tell me what that documentation was or what that documentation stated. I called to ask them but they never gave me an explanation. I appealed their decision immediately and wrote a 39-page document that included all the screenshots and transcripts that I will be including in this submission. This document clearly outlines XXXX XXXX explicitly saying I would be receiving a credit or refund ( neither of which I received ). I asked Barclays for a thorough investigation of all the facts presented and to provide me with any details that XXXX XXXX provided so that I can review their legitimacy. On XX/XX/XXXX, Barclays sent me a letter that stated, " After further review, we're not able to assist you with obtaining a credit to your account due to the following : Merchant has not violated the terms and conditions of the contract '' ( I have attached a copy of this letter ). I was absolutely dumbfounded when I read this because I was never presented with a contract in the first place! I never signed a contract. There were never terms and conditions provided for me to agree or disagree to. Barclays did not supply me with a copy of this supposed " contract '' for verification or any supporting documentation. It is quite clear that XXXX XXXX is attempting to keep money for a service I never received and was physically prevented from receiving due to an act of nature out of my power. International travel restrictions caused flights to be canceled and any future planning to be impossible. The XXXX government would not even allow Americans into the country so I am really having a hard time wrapping my head around how Barclays is justifying their decision. I have not even had the chance to speak with anyone for an explanation. The whole purpose of using a credit card is to be offered buyer protection and benefits that normal banks can't offer yet Barclays is not providing any of that. It seems as if Barclays does not even care and they don't seem to have the customer 's best interest in mind.
Another consideration is the fact that they will now try to charge me interest on the {$8300.00} balance now that they have made their decision on this dispute. The interest rate for this card is quite high ( 20.74 % APR ) which would unfairly cost me even more money. I did some digging online and read that if I were to make payments towards this balance, whether it was just the minimum or if I paid it off using the check I had requested from them in XXXX, that that would be admitting that I am responsible for that transaction. To reiterate, I never received the service I paid for and was physically prevented due to international travel restrictions caused by a global pandemic so I am not responsible for this transaction, however, I dont want my credit to be damaged and I dont want to accrue large amounts of interest because of this so I am unsure what to do here.
I'm attaching the entire 39-page PDF document that I sent to Barclays when appealing their decision. This document contains all of the relevant screenshots, transcripts, and invoices I mentioned in this submission.
I really hope the CFPB can assist me with a favorable resolution to my dispute. I appreciate your consideration.
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| 07/31/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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AS OF XXXX XXXX XXXX XXXX XXXX after speaking to not only XXXX customer service, billing department and disputes department XXXX, XXXX, and XXXX myself and the XXXX of the XXXX, IL XXXX XXXX and XXXX I can confirm Barclays in fact did not reach out to XXXX in regards to my dispute I raised of {$57.00} by XXXX for not receiving my refund and being owed money. XXXX has advised me to dispute this through my bank in which I did. No wonder Barclays can not provide any information on the investigation and just say they talked to them over the phone. XXXX closed my dispute and has refused to reopen it even though they state they confirmed with XXXX it was returned and XXXX would credit me within a few days but then XXXX is stating they never even spoke to them.
Re-open my dispute with XXXX for {$57.00} and credit me the amount I am owed from this merchant which is {$57.00} as its been months and they have yet to refund me and XXXX had stated they confirmed with XXXX it was returned but not credited. Also to NEVER send me a letter filled with XXXX lies again, double check your XXXX employees work, because they pulled {$17.00} on XX/XX/2023 out of their XXXX and did not do their job.
ALSO MAIL ME A XXXX LETTER I contacted my bank Barclays about a refund with XXXX for {$57.00}, I never received. I returned the item in store on XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX camera can confirm ) and even took a picture of the item being in store before leaving because the lady did not give a receipt since it was originally ordered online ( picture I provided XXXX XXXX shows I dropped off the item, even shows XXXX XXXX and Customer Service Desk in the background ). After a month went past, I reached out to XXXX, who told me to open a dispute with my bank. I did and after opening one, over two weeks go by & I dont hear anything from Barclays about it even though I forsure provided proof. I contact Barclays & speak to a manager who tells me they reached out to XXXX & confirmed it was returned and I would see a credit in a few days. A few days go by & I dont see a credit, I receive a letter in the mail after asking the manager that day to re-send the letter that he said was apparently sent out to me about a credit. When I received the letter, the letter stated the opposite and stated Barclays investigated and XXXX refunded me on XX/XX/ for {$17.00} and my dispute is considered closed but in my favor. I was completely confused from this letter because 1. I NEVER received a credit for {$17.00}, XXXX. There is no activity on my account at all on XX/XX/XXXX, XXXX. How is it considered closed when I paid {$57.00} for the item and not {$17.00}, so even if they refunded me {$17.00} in which they didnt, that still doesnt equal to {$57.00} how can you even give less than half a refund when I returned the whole thing which was one item and that one item was a mattress topper. Barclays claim to have investigated the issue with XXXX but it seems as though they didnt. I receive a letter dated XX/XX/ about how they were going to investigate and then on XX/XX/ it was all completed within such a short period of time.
I called on XX/XX/ about this letter because not only does it state the complete opposite of what I was told, its filled with lies. Barclays did NOT investigate this transaction at all, and most likely thought I would just accept the letter and move on, or completely forget. I never received a refund from XXXX for that amount on that day, I researched my account looking for it and there is NOTHING of the sorts, I double checked bank statements and transaction history. On XX/XX/XXXX, after calling XXXX multiple times about this letter and to explain to me why they did not actually investigate this and why the XXXX would they say I was refunded on this certain day and I actually wasnt. I asked the representative to find the transaction on my account to confirm with the letter I received and she couldnt and stated she was confused on why I received the letter as well.
I asked this dispute representative to put me in touch with a Manager to get to the bottom of this and also re-open my dispute and actually investigate it because as of XX/XX/ I still dont have the refund of {$57.00} not even a partial refund from it and I dont have the product. The merchant CAN NOT keep the product and keep my money as well. Every representative refused to allow me to speak to a manager and stated one wasnt available, even though they were unable to figure this out. I asked for them to set up a call back with a manager because this letter is inaccurate. The representative who refused a manager then told me on the phone that a entirely different charge for a completely different purchase from XXXX which amounted in {$16.00} on XX/XX/2023 and a different one for {$0.00} was the refund that I was owed from the dispute of {$57.00} and refused to listen when I stated multiple times its not, that was an entirely different purchase and XXXX still owes me {$57.00}. I also asked for proof of this information and if that is what XXXX is claiming and not just the representative herself, to provide XXXX that documentation that shows what she is claiming is coming from XXXX themselves because at this point its all he/she said. XXXX XXXX is basically speaking on behalf of XXXX without showing XXXX the customer any proof of communications with XXXX. I would like all proof and the receipts XXXX have apparently provided to XXXX that shows the {$16.00} & {$0.00} are directly related to the original charge of {$57.00} because if an investigation was actually done & Barclays reached out to XXXX they would give me the supporting documents that were used to verify I was refunded but XXXX CAN NOT DO THAT BECAUSE THEY DID NOT ACTUALLY INVESTIGATE.
I am making this complaint to have the company that closely monitors Banks contact Barclays so they are AWARE of what Barclays is doing, have Barclays re-open my dispute, and also provide me all the documentation that the merchant provided to support the {$17.00} that was apparently refunded to me. Once again I have NOT received a refund from XXXX, I bought a mattress topper for a total of {$57.00}, I RETURNED the mattress topper that cost {$57.00} but have yet to receive that refund to my Barclays account. I also have yet to receive a call back from Barclays as of XX/XX/ even though I was told someone would call me back after being refused a manager multiple times on XX/XX/2023. I called at least XXXX times on XX/XX/2023trying to get this resolved and at this point XXXX is refusing.
As of XX/XX/2023I tried reaching out to Barclays again about the issue. I reached out to their billing disputes department and regular department by calling XXXX which is the number listed on the letter and called XXXX which is listed on the back of my card. Ok today XX/XX/2023 the associate I first spoke too acted clueless on what I was talking about, so I once again asked for a manager where I was put on hold for a long time & then I get told either the manager isnt available or the associate tried to relay a message of what the manager apparently said, even though I have asked multiple times to speak to one MYSELF, as the regular associates employee, XXXX who works in the disputes department, I spoke to on XX/XX/2023 could not get manager on the phone after asked for one more than two times and stated it takes XXXX for a call back. When I called multiple last week and more than XXXX have passed.
I am also attaching pictures of the original letter I received, and also the same letter I received again after asking the associate to mail it out to me again, the day I asked this was on XX/XX/ as the first XXXX hadnt showed up yet. The reprint of my statement is not actually my statement it was the letter about the {$57.00} being in dispute.
Please also note, I am attaching pictures of my call log, of me speaking to XXXX on XX/XX/2023 where I was told the {$57.00} would be credited to my account within a few days. The same number I called, is the same number on the back of my card.
Please also note the dates of the letters I received of XXXX closing my case & saying I was issued {$17.00}, it is dated XX/XX/ a day before I spoke to an associate who never once on XX/XX/XXXX mention anything about what the letter said nor did he ever state I was already apparently credited, I wasnt told the dispute was closed either on this day even though on his end he could see this letter as he was the one that told me a letter was sent out & I simply requested it to be sent again because I did not know. This employee willing withheld this information from me while I kept asking when did XXXX speak to XXXX, when will I receive something stating Im being credited the {$57.00}, I can see now all the questions I asked this associate he just lied because why not mention & say whoever investigated the issue apparently said I was credited already.
I would advise ALL XXXX XXXX holders when filing a dispute with this XXXX disgusting company to get ALL documentation & communication that went into investigating the dispute as it is our right.
I had to reach out to XXXX once again after speaking to XXXX multiple times on XX/XX/ about my refund and how I just got off the phone with my bank who was saying they reached out to them and also connected the calls together so XXXX can hear the XXXX come from my banks mouths. And then after that XXXX manually processed a refund because my bank was claiming they raised a dispute.
At the end of the day Barclays lied and proved they dont investigate some claims made by customers.
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| 09/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American |
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To : Barclays Bank Delaware Cc : XXXX XXXX XXXX, XXXX Reference # XXXX. Thank you for your prompt response to my recent CFPB filing where you included the attached Arbitration Clause which I requested. Pursuant to it, I ELECT to have any Claim by either of us resolved exclusively by arbitration with the American Arbitration Association ( AAA ). In bold and capital letters print, you wrote and we further agreed in the recap summary : ARBITRATION WITH RESPECT TO A CLAIM IS BINDING AND NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURTALL CLAIMS MUST BE RESOLVED THROUGH ARBITRATION. The Clause provides that if either of us willfully violates the Clause, even after my election, by filing prohibited litigation, such as in a state or federal court : If any Claim is advanced in a court, arbitration may be elected under this provision instead. This means that effectively due to my election you must file an arbitration demand with AAA and pay all fees so any litigation would be null and void as a mere ministerial filing of a demand with fee payment would NOW effectively be assumed and concluded that the Claim is NOW in Arbitration making litigation barred as a Claim can not be litigated and arbitrated in 2 separate forums when you have agreed to arbitrate as the sole forum. So if you frivolously sue me in a court, after my election today, the Clause anticipates that I would file a Motion to Compel Binding Forced Private Arbitration with AAA which would AUTOMATICALLY STAY any litigation under Florida Statutes ( FS ) Section 682.03 ( 6 ) which specifically provides that once a motion to compel arbitration has been filed, the court must STAY any judicial proceeding that involves a claim alleged to be subject to Arbitration until the Court renders a final decision on arbitrability of the dispute. Any decision on a Motion to Compel Arbitration is an appealable decision which, if appealed which I would do if denied, would further Automatically STAY the case pending Appeal for at least 12-24 months. See US Supreme Court No 22-105 XX/XX/XXXX decision in COINBASE v Bielski . If I am improperly sued in a state court and you do not agree to arbitrate, I would file a Petition in the United States District Court for the Middle District of Florida XXXX Division to Compel Arbitration with AAA. Under the Federal Arbitration Act, a party aggrieved by the alleged failure, negligent or refusal of another to arbitrate under a written agreement for arbitration may petition any U.S. district court for an order directing that such arbitration proceed in the manner provided for in such agreement. I would easily be successful in any expected federal court action if I am improperly sued and you refuse to arbitrate. While I could file for arbitration with the AAA, I want to avoid stupid litigation if I pay the initial {$220.00} fee and you litigate in federal court that you should pay the fee costing {$50000.00} in attorney and other fees for no reason other than to harass. So if you want to collect your disputed Claim you must file a Demand For Arbitration Consumer Arbitration Rules with AAA and pay all fees including those of the Arbitrator which easily will be ultimately over {$25000.00} which will not be recoverable from me including your attorney fees even if you prevail which is impossible due to my Claims against you for multiple statutory FCRA willful violation plus punitive damages far exceeding your dispute Claim. Your arbitration terms of service incorporates by reference the AAA Rules that expressly delegates arbitrability determinations to an arbitrator and the agreement clearly and unmistakably evidences the parties intent to empower an arbitrator, rather than a court or judge, to resolve questions of arbitrability. See AIRBNB V DOE, Florida Supreme Court # SC20-1167 decided XX/XX/XXXX. Therefore, once an arbitration agreement is presented to a court, the court is powerless to consider arbitrability as such has been delegated to the arbitrator. Due to your arbitration provisions, courts are powerless to act and they are automatically stayed if I move to compel arbitration. Dont waste your money with court filing fees and attorney fees as you will alienate the court and waste resources only to find court actions forced into arbitration with AAA . That is why court actions are automatically stated to prevent a complete waste of time as arbitration agreements must be enforced. Besides, court decisions are clear that Florida does not have a Small Claims Court, but a mixture of rules so again dont embarrass your attorneys by asking them to frivolously litigate. Lets arbitrate!!! File with the AAA and pay its huge fees. Never expect AAA fees to be recouped. Never expect a return of attorney fees. I will automatically appeal any decision of a court, state or federal, that does not compel arbitration and provide me relief from frivolous conduct such as Federal Rule 11. If you sue me in state court, you will certainly see a motion To Compel Arbitration, staying it, PLUS a federal court Petition to compel arbitration PLUS a Demand for Arbitration by me with the AAA requiring you to pay all fees PLUS federal claims for FCRA and FDCPA violations both in federal court and AAA. By virtue of my election in this document and previous documents, it is indisputable that the Claim and Dispute is already with the AAA absent a mere ministerial 2 page demand by you with your payment of AAA fees. So court litigation is completely barred and any such filing will be considered frivolous willful conduct punishable under the FCRA and FDCPA punishable with a dismissal with prejudice of any court claim. If you are stupid and just want to harass me, you should expect years of litigation in multiple state and federal courts, including the US Court of Appeals PLUS no court would enforce any AAA award against me due to your conduct including FCRA and FDCPA violations. In SAUNDERS v Branch Banking, 526 F.3d 142 ( 4th Cir. XXXX ), the jury awarded Saunders {$1000.00} in statutory damages and {$80000.00} in punitive damages for FCRA violations for failing to report the ongoing dispute. Using the multiple of 80 upheld, if I am awarded {$5000.00} in statutory damages I expect {$400000.00} in punitive damages applying the 80 multiple. Moreover, the Saunders jury found that the underlying debt was extinguished and uncollectible due to conduct far less than yours. This means that your Disputed Claim must be extinguished due to your FCRA violations PLUS I have huge claims for multiple ongoing statutory and punitive damages. My FCRA violations against you are DEEMED WILLFUL, providing a {$1000.00} statutory damage per violation based on on the CFPBs XX/XX/XXXX Fair Credit Reporting : Facially False Data advisory opinion of Director XXXX XXXX which stated : A violation is willful when it is inconsistent with authoritive guidance from a relevant agency. Therefore, every FCRA must be considered WILLFUL subjecting you to liability under 15 U.S.C. Section 1681n for willful noncompliance in addition to Section 1681o for negligent noncompliance. Federal courts would have federal question jurisdiction under 28 U.S.C. Section 1331 as they have jurisdiction to enforce liability under 15 U.S.C. Sections 1681p and 1692 ( k ) without regard to the amount in controversy. At a minimum, I can only settle a claim if you agree to absolute confidentiality of settlement PLUS the permanent removal of Claims from every credit reporting agency which will not disclose or imply settlement. Any written settlement must also include general releases of all parties to forever end the possibility of future litigation. While judges, mediators and arbitrators always try hard to force settlement, I am always open at any time to settle a dispute under fair terms based on developments. If you sell a claim to a debt buyer, your liability will not end but it may increase and arbitration will still be required and enforced ending up more complicated with more parties. In summary, the ball is in your court on how you wish to resolve the dispute which may be best taking the tax deduction and walking away without selling the toxic claim. I will not be the first to seek relief but, as listed above, I will aggressively counter any and all efforts to collect your disputed claim in litigation and/or arbitration. Dont waste $ XXXX in your shareholders money for AAA arbitration fees and your attorney fees to try unsuccessfully to collect {$0.00} owed knowing that I am owed potentially huge statutory and punitive damages. In light of my cease and desist demand which continues forever as I will never withdraw it, I can not communicate with you but I invite you to make a one time permissible exception for you to WRiTE me in the CFPB portal about what non-binding exact terms you may consider to resolve all claims. I hope this CFPB complaint will make my position clear about forum resolution options which exclusively require arbitration with the AAA. If this is not enough, I am a XXXX year old male in poor health with a short time more to live and I am judgment proof as my entire income is from Social Security, exempt from garnishment, and I have no other income or assets and I need treatment abroad and residency abroad. Serving me abroad will not comply with FS 2.516 and will only result in any attempted service to be return as unserved. I hope this informs you of the situation so you do the right thing.
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| 11/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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Barclays recently took over my GAP VISA account. When the change was made, I was unaware so I received late fees. I contacted Barclay directly and spoke with XXXX on XX/XX/XXXX. I paid my bill in full ( {$1400.00} ) with the exception of the late fees, as XXXX was going to take care of getting these removed ( {$71.00} total ). XXXX let me know that there would be a final payment needed for the interest and I would need to wait and pay on the next bill. I received the next bill on XX/XX/XXXX. That bill included not only the interest I needed to pay ( {$14.00} ), but also the lates fees were still included ( {$71.00} ). I called Barclay on XX/XX/XXXX and spoke with XXXX. XXXX told me to disregard the late fees as it hadnt been adjustment yet because XXXX had not fully submitted the request. XXXX assured me she would take care of it.
On XX/XX/XXXX, I again received my Barclay bill. It still had the late fees and not a new one since I was considered late on payment since I did not make the minimum payment ; NOTE : If I had made the minimum payment it would have included the late fees that were being waived and I was advised to just pay the {$14.00} XXXX owed by XXXX. At this point, I can not believe I am needing to call a third time to get this resolved, but I call. On XX/XX/XXXX, I get XXXX on the line. XXXX looked at my account and stated that I DID in fact owe the fees. I then asked XXXX to connect me with his manager. XXXX XXXX op # XXXX ) was placed on the line. After researching, XXXX found that the fees had been credited to the old account number instead of the new account number. XXXX assured me it would be taken care of in XX/XX/XXXX hours and the new fees ( totaling {$100.00} ) would be removed as well, since it was obviously their error.
On XX/XX/XXXX, I again received my Barclay bill and it again was not taken care of. The bill was now for {$100.00} all in fees. I called and got XXXX on the line. I immediately asked for his manager and got XXXX ( op # XXXX ). She assured me a credit for the full amount of {$100.00} would be issued within 24/48 hours. As you can imagine, I am no longer believing a word I am being told. This is the third time I was given this information. I have spent far too many hours trying to resolve this and no one has taken ownership to date and fixed this. This led me to fill with the XXXX XXXX XXXX XXXX XXXX XXXX
On XX/XX/XXXX, I filed a complaint with them, complaint number XXXX. All the information provided above was provided, as well as a list of items I wanted to ensure were taken care of : 1. Fees removed from my account as of todays date ( XX/XX/XXXX ) XXXX. A letter stating what my balance is with dates included ( should show XXXX ) 3. Correction to my credit report for any late payments shown.
In addition to filing this complaint with the XXXX, I also started utilizing social media ( XXXX and XXXX ) to put heat on them to fix this.
At XXXX on XX/XX/XXXX, XXXX from the Office of the President called me. She stated she received my complaint from the XXXX and was following up and would be taking care of it from this point forward. She apologized and said I can see from your XXXX complaint exactly what happened. XXXX assured me she would be back in touch within XX/XX/XXXX hours to give me an update and she also stated that the letter and credit report correction could not be issued that quickly due to legalities they must follow.
XXXX DID NOT call! I called back on XX/XX/XXXX, and got XXXX. I told XXXX I was expecting her call and she said she did not have any notes about calling me back. I told her she most certainly did give me that time frame because, I assure her, had she not we would not have ended our call on XX/XX/XXXX and it would have been escalated. XXXX again apologized. I was not accepting any more apologies and told XXXX exactly that. I told her exactly what my expectations were and magically she was able to update my account and give me the {$71.00} credit. So you may ask why this didnt happen back on XX/XX/XXXX? I asked that question and she said because I could have received a credit from another department that was working on it too and that would have caused a charge back. As I stated to XXXX, I have no idea what that means and she said they would take the money back. I asked her why that would matter to me. I could care less the amount of work they have to do on their end to clean this up- bottom line- I want it fixed, I want my letter, I want my credit report fixed and I no longer want to deal with their company ever again! I told her as soon as this is fixed I am closing my account and will be telling everyone I know exactly how they do business. I also told XXXX I wanted to speak with her manager, as she also had not done her job. She again stated she didnt remember telling me that and she apologized and said they can listen to the call. I told her I believe that would be a wonderful thing for them to do, since I know she told me XX/XX/XXXX hours. The following are all the items XXXX stated she would be taking care of : 1. Crediting my account for {$71.00} leaving my account at XXXX. She stated during this call that she had already credited my account for {$31.00} on XX/XX/XXXX, which she did not tell me until today. XXXX also stated that she placed a note in my account that states her credit for {$71.00} will stand and that if a credit from the other department was placed on the account, it would not be removed meaning there would be a credit of {$71.00}. She is to call back within XX/XX/XXXX hours to confirm her credit went through.
2. Ensuring no residual fees are charged to my account. My account statement closes on XX/XX/XXXX and XXXX will be checking my account on XX/XX/XXXX or have another employee do so to ensure there are no fees and if there are to waive them. She will call me back on XX/XX/XXXX to confirm this is taken care of ( she is off on XX/XX/XXXX ).
3. Send me a letter with what happened on my account breaking out what happened and how it was resolved. XXXX said research is still taking place and it could take up to two weeks to send this. She said she would start working on it right away and that I could expect this via email.
4. All credit bureaus to be contacted and any late payments reported to be removed. XXXX said that will be taken care of and I should receive my letter within 30 days and it can take about that long for the bureaus to update their records too.
5. Have her manager call me to talk about her lack of follow up. I informed XXXX at the time that I screen calls. I asked where the call would originate from ( area code ) and she said she didnt know. I told XXXX I generally do not answer calls from numbers I dont know so she would need to have them leave a message if I did not answer. XXXX could not give me a timeframe on when they would call in addition to from where they would call. She kept saying it was procedure.
On XX/XX/XXXX, XXXX called back to confirm my account now shows a XXXX balance. I asked for her to provide that in writing via email and she said she could not. She then told me her manager attempted to call me twice on XX/XX/XXXX, but I did not answer and per procedure that was all they would do. I told XXXX my phone never rang the entire evening and that another request for them to call needed to be submitted. XXXX stated she could not do that. I then said so they tried to call and I didnt answer and they will never fall back up. She then said they may call you. I said when would that be? She said she didnt know and I said are we talking 3 years, 2 months, 10 days. Again, no answer. XXXX was about as unhelpful as the people in customer service. How can you not fix this and stop the madness? She said it was all procedure and that they are heavily scrutinized. While I am sure as a financial institution they are, I can not imagine that this is the best they can do and I told her that. Again the apologies, but as I told her apologies dont help- ACTION does!
I would really appreciate you stepping in and getting this fully resolved! I am tired of wasting my time with a bunch of employees who could care less. I personally believe every single person I have encountered is insubordinate. I have truly never seen anything like it.
Please put yourself in my shoes. What would you expect at this point? I dont think I am asking for more than is due to me or at least I hadnt. I have been asking for just the basic items to clear this up. Now, three months into this, I want compensation. I want them to send me money for my 6+ hours of time I have spend on this ( at minimum {$500.00} ). I want a handwritten letter from the president of Barclay stating he himself looked into this, understands the frustration and provides what his takeaways will be to improve this process moving forward.
I can assure you I will never be a Barclay customer again. My account will be closed as soon as this is cleared up. I can also assure you anyone and everyone I know will hear what happened. I have worked at two large corporations and have contacts at both and I will spread it to all my friends to ensure they dont get stuck with this disaster of a company. I will also not stop on social media regarding this. They will feel as much pain as I have! I genuinely dont need the money, it is all about principle at this point, and I am relentless when you are talking about my values. I would never put a customer through this- EVER!
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| 02/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American |
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XX/XX/XXXX Consumer complaint against BARCLAYS BANK PLC ( dba Barclaycard Ring Mastercard ) and XXXX XXXX ( dba XXXX ), individually and together.
Dear Consumerfinance.gov : I am making two consumer complaints that your agency can group as one or choose to select the appropriate party that is under your agencys regulatory jurisdiction. Regardless, I wanted you to understand how these two consumer driven businesses related to each other and how these businesses, as individual entities, and together as a group, acted in an unethical manner to blatantly deny my legitimate claim to funds.
Consumer Complaint I am grouping Barclays Ring Mastercard ( Barclays ) and XXXX ( XXXX ) together here because both parties appear to have participated in a coordinated, or mutually beneficial manner, to : 1. Hid Barclays and XXXX incompetency, or possibly corrupt business practices, to charge me, the consumer, for items it knew I did not receive.
2. Withhold funds owed me and/or my Barclays credit card account for XXXX own enrichment.
3. Extort payment and interest from me by Barclays to recover alleged loses as a result of its own incompetence, corrupt business practices, or failure to obtain, through proper financial channels, reimbursement for funds provided XXXX.
I have attached 15 documents sequentially marked spanning XX/XX/XXXX to XX/XX/XXXX, the nearly five-month period in which I tried to have my refund complaint resolved by Barclays and XXXX.
The documents chronicle the facts of this case. Those being that my initial purchase from the XXXX via a charge on my Barclays credit card, for a XXXX XXXX XXXX XXXX XXXX priced at {$1200.00} was proved never received by me and reimbursement for this charge denied me by both Barclays and XXXX.
I spoke with dozens of customer service representatives, likely spending nearly 35-hours on the phone trying to resolve my credit issue. I have personal notes on practically every single call I made. Two such handwritten notes are included in the documents I have supplied. Other documents offered for review to Barclays and XXXX, such as a XXXX XXXX Police Department report on the missing XXXX phone and building security videos -- -both underscored my claim that the XXXX cellphone shipment never reach my address.
History Barclays and XXXX, first rejected my claim based on false statements that both parties knew, or should have known, were untrue : The XXXX cellphone shipment had reached my address and XXXX verified delivery.
Based on my independent investigation with XXXX shipper XXXX, I proved XXXX erred. XXXX notified Barclays I was owed a full refund, as documents here prove. Further Barclays errored in rejecting my initial refund claim by blindly accepting XXXX erroneous claim that it had verified I received the computer in question, when in fact, a missing cellphone was the basis of my complaint, not a computer. Had Barclays dealt with me fairly and competently, it would have noted XXXX error and rejected its counter-claim.
Barclays and XXXX initial goodwill cooperation was soon sidetracked by petty squabbles between the two corporate giants. Each party blaming the other party for the failure to remove the charge on my credit card ( plus credit card interest ). In the end, after two and a half months into the second dispute opened by Barclays, Barclays informed me it were abandoning efforts to retrieve my reimbursement. Barclays argued it should not have opened the second dispute investigation because that opportunity had expired. But, it was opened by Barclays and given its own new case number. Further, had Barclays handled the first dispute in a competent manner, there would not have been a need for a second dispute.
A Barclays customer representative also stated Barclays would not remove the erroneous XXXX charge of {$1200.00}. Instead, I would be charged for the XXXX phone I never received because Barclays had not been reimbursed by XXXX for the cost of the XXXX cellphone. There is more. Barclays, I was also told, would continue to charge me interest on the {$1200.00}.
The Barclays letter to me washing its hands of resolving the invalid this dispute, recommended I pursue credit by contacting the Merchant directly. I tried that approach. When I did, a XXXX representative stated XXXX will not return my fund to me ( to pay-off the Barclays charge ). XXXX, she said, would only return the funds to Barclays, something XXXX had failed to do after numerous attempts. Thus, XXXX is retaining, for its own enrichment, {$1200.00}.
Complaint Resolution As a consumer, I am requesting your intervention on my behalf to : 1. Direct XXXX to perform a speedy full refund to me by direct check or via Barclays charge card service, 2. Prevent Barclays Mastercards outrageous attempt to fraudulently bill me {$1200.00} plus interest, for a product it factually knows I never received and that through its own incompetency and possible corrupt business practices, allowed XXXX to extract from my account.
3. Advise both Barclays and XXXX against any acts of vengeance, such as directly, or indirectly, damaging my credit or through other possible nefarious business practices.
Attached Documents The following 15 attached documents, each with a brief annotation, support my claim against Barclays and XXXX. These documents and facts contained therein, are known to Barclays and XXXX.
1 Original XXXX purchase order ( XX/XX/XXXX ) for a XXXX XXXX XXXX XXXX XXXX. Cost : {$1200.00} 2.Barclays letter ( XX/XX/XXXX ) regarding opening a dispute investigation with provision credit to the account of XXXX XXXX based on consumers claimed ordered product was never delivered.
3, XXXX email letter ( XX/XX/XXXX ) alleging proof XXXX product ordered was delivered. XXXX states that XXXX did deliver a XXXX XXXX XXXX and XXXX XXXX keyboard to my address. I never ordered those products from XXXX and therefore, obviously, those products are not the subject of my dispute. No definitely proof is presented by XXXX proving delivery as XXXX claims.
4. Based on XXXX email letter ( XX/XX/XXXX ), Barclays writes me ( XX/XX/XXXX ), denying my claim. Barclays closes investigation and reapplies interest charges for XXXX cellphone. Barclays reverses charge even though my complaint was nondelivery of a XXXX cellphone, not a computer.
5. XXXX XXXX pursues proof of non-delivery of XXXX cellphone ( with assistance of a Barclays supervisor ). Follow-up with XXXX proves XXXX cellphone shipment was delivered and, in fact, considered lost by XXXX. XXXXXXXX further claims XXXX never asked if shipment was proved delivered and did not initiate an insurance claim for the lost shipment. Based on this new information, XXXX is requested to reopen case ( XX/XX/XXXX ).
6. XXXX customer service representative email ( XX/XX/XXXX ) confirms XXXX can not account for XXXX cellphone or its delivery. XXXX reimburses XXXX for XXXX phone cost. Email states processed refund. This is the first attempt by XXXX to refund cellphone cost.
7. XXXX email notice ( XX/XX/XXXX ) confirms refund attempt. Unfortunately, refund is unsuccessful. XXXX claims Barclays rejected XXXX effort to reimburse my account. The claim is repeated after subsequent failed attempts.
8 XXXX refund notice ( XX/XX/XXXX ) regarding second attempt. Refund process is unsuccessful. XXXX claims Barclays rejected XXXX effort to reimburse my account.
9. XXXX refund notice ( XXXX regarding third attempt. Refund process is unsuccessful. XXXX claims Barclays rejected XXXX effort to reimburse my account.
10. XXXX customer service representatives email ( XX/XX/XXXX ) acknowledges continued refund problems with Barclays. XXXX customer service representative offers to reimburse me in full via a check from XXXX.
11 XXXX XXXX XXXX ( XX/XX/XXXX ) to Barclays requesting a second provisional credit on my account and an investigation be initiated based on proof that XXXX phone ordered from XXXX was never delivered and due to Barclays blocking refund from XXXX, alleged by XXXX.
12. XXXX XXXX notes ( XX/XX/XXXX ) regarding phone conversation with Barclays customer service representative who tells Barclays will continue dispute investibation. New case number given to investigation.
13 Barclays letter ( XX/XX/XXXX ) stating it is, suddenly and without warning, abandoning efforts to have XXXX reimburse me for the nondelivered XXXX cellphone. Barclays states time has lapsed for opening a second dispute. Yet, Barclays officially reopened the dispute two and a half months ago with a closing date for the case of XX/XX/XXXX. Letter states I should follow up with merchant XXXX for the refund.
14. XXXX XXXX notes ( XX/XX/XXXX ) regarding Barclays refusal to continue investigation.
15. XXXX XXXX notes ( XX/XX/XXXX ) following contact with XXXX customer representative regarding my refund, as Barclays directed. XXXX customer representative states XXXX will not send me a refund check. XXXX will only make a refund if requested by Barclays. I explain Barclays directed me to get refund from XXXX and that XXXX has previously offered to send me a refund. Agent is unmoved.
Please let me know if you have questions or need more information.
Thank you for your assistance and look forward to your assistance in resolving this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Attachments : 15
|
| 06/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
I am grateful that the CFPB expects companies to provide complete, and accurate responses to consumer complaints, and responses tailored to the issues described in each consumers complaint, yet in an original complaint against Barclays JetBlue World MasterCard being either lost, stolen, or cloned, their response for the investigation they allegedly made, appears in itself fraudulent, and totally invented. Throughout Barclays FRAUD DEPARTMENT investigation, the company failed to properly manage, respond correctly nor in a timely fashion, to my credit card dispute and fraud claim, as per law, and continue to post their debt collection on my online credit card account.
After receiving Barclays Fraud Department XX/XX/XXXX, response to the CFPB, I found four phone conversations with their Fraud Department that I forgot I recorded which are all very contradictory and prove Barclays kept prolonging their investigations, after re-opening of the case just after I called and complained that they returned all the unauthorized charges for me to pay.
This newly found evidence assures me that Barclays Fraud department never fully investigated the matter as per their apparently fraudulent response letter to my CFPB complaint. The mutually agreed upon recorded phone calls are months apart from XXXX to XXXX, when I was so tired of speaking hours on the phone altogether, faxing them more and more documents, so I asked my daughter to please follow up.
The newly discovered lengthy phone conversation recording I have on an old phone in my possession include one with Barclays XXXX XXXX on XXXX XXXX, XXXX ; Barclays Agent XXXX XX/XX/XXXX, Barclays Agent XXXX on XX/XX/XXXX ; Barclays Agent XXXX on XX/XX/XXXX. All of them insisted the investigations could take up to 90 days but they kept taking more. Apart I have written records of calls with XXXX on XX/XX/XXXX at XXXX who insisted on having a police report made ; with XXXX the manager of the fraud department made on the last Monday, end of XX/XX/XXXX, among others.
In Barclays response letter to my CFPB complaint, nothing makes any sense. First it claims I received a fraud alert from them on XX/XX/XXXX and then a passcode to unlock my adult daughters authorized users card because she was traveling, when in fact I never received an alert from Barclays, nor a passcode to unlock her card, but originally phoned the Fraud Department from my Florida, US landline and told them to cancel the card because I was alerted of suspicious activity ( by my computer security program and not from Barclays ) on my daughters card while she was already in XXXX XXXX.
Further proof that Barclays response to its investigation of fraud is their response to my CFPB complaint also states, The representative confirmed with you the transactions were reported as fraud, and informed you he would be closing your authorized users card ending in XXXX and replacing it with the above-referenced card ending in XXXX. In fact, in the documents I sent, such as credit card statements, all the charges made on XXXX XXXX were already made from the card ending in XXXX and not ending in XXXX ; so this Barclays stated fact is impossible and further proof of their apparent investigation fraud.
Upon receiving my pcs program message to check the credit card account, I immediately saw online large amounts of temporary authorization transactions, so that is why I originally instantly called Barclays to cancel my daughters additional card knowing something serious was wrong since we have never been in the habit of charging such large sums of money and in so many places on the same day.
From my Florida, US landline, I finally could reach my daughter on XXXX XXXX, XXXX, not until the afternoon, who was on an emergency 2-day trip in XXXX XXXX XXXX She told me the card was either lost, stolen or cloned because the last XXXX times she used her card in XXXX XXXX was the previous night at a XX/XX/XXXX just near her two-night XXXX rental and then at a late dinner at the restaurant XXXX, leaving just at their usual closing time, before going to sleep.
She did not realize until later the same day that her card was missing from her purse since at that restaurant XXXX, they hung up the ladies purses. The next day she told me she called XXXX to talk to the manager who apologized profusely for all the confusion and offered to refund her dinner of {$40.00} which they did shown on my statement period XXXX, since they recognized their responsibility and her innocence and could not explain why her card was missing from her purse. I told her not to worry since I called earlier the same day to Barclays to cancel her card over this fraud and was assured by Barclays that we would not be charged for all the unauthorized charges. Barclays did not say at that time that they would ever return the charges to a later bill nor mention she had to get a police report.
Further proof of Barclays invented statement in their response to my CFPB complaint, is if as they state her card was locked, why were charges on her card ending in XXXX even temporarily authorized? I sent Barclays screenshots of the charges appearing on XX/XX/XXXX online and even over the phone questioned them about the time of day they were made and exactly where, seeing that the unauthorized charges were made way after midnight on the XXXX and beyond after I even phoned them early in the morning on XX/XX/XXXX.
Next in their response to my CFPB complaint, Barclays states that I said I was in possession of both cards, which is obviously impossible due to the dozens of unauthorized purchases in XXXX XXXX and the fact that I was calling from my Florida landline in the US both on XX/XX/XXXX.
At first Barclays took off the reported charges starting the same day, then they reinstated them some two months later which is causing my family extreme hardship since the total unauthorized charges made were over {$3300.00} plus the interest they are charging since I can only afford to make minimum payments on such huge bill for purchases my daughter never made nor authorized, nor received.
Over the course of all this time, we have had to conduct our own investigation and sent Barclays over 20 pages of diverse documents of proof and a letter explaining all the minutest details. In the meanwhile, Barclays would send us many misleading letters that were contradictive saying she was the same day responsible and the same day not and so on including letters about her being responsible for the XX/XX/XXXX, XXXX charge which we never disputed nor other charges on XX/XX/XXXX.
On other occasions Barclays also asked my daughter to provide more proof such as a police report when it was impossible for her to return to XXXX XXXX to acquire one in a timely fashion in times still of XXXX, so instead, she wrote the receiving company of many of the charges. XXXX XXXX, to send us copies of the bills and when we received them contained many different fraudulent signatures claiming they were hers so we also sent that to Barclays as proof her US passport with her legal signature Later when her US passport expired months later, Barclays demanded to send a copy of her new passport and as well she did. According to our own investigation XXXX XXXX is a credit card phone service application for small merchants used in XXXX XXXX Their three bills sent to us included long lists of separate charges on a single invoice. The three different invoices we received from them were at establishments and times when they are reported online as closed.
During the course of our dispute, Barclays would send us misleading letters, some separate on the exact same date saying we were responsible in one, and on the other hand not responsible in the other. I included sending them copies of their contradictory letters.
CFPB claims online if there is unauthorized use of your card before you report it missing, the most you will owe for unauthorized charges on the card is {$50.00}. Many cardholder agreements say you are not responsible for any charges in this circumstance. If you have not lost the card itself, but someone steals and uses your account number, you generally have no liability for unauthorized use.
Apart from all of the above, the listings of the temporary authorizations that were appearing on my online Barclays account on XXXX XXXX, XXXX, and relisted in my following XXXX statement were different, mostly from the vendor XXXX XXXX and not from each establishment, and did not correctly mathematically add up. The establishments were all over XXXX XXXX where my daughter was not in possession of a vehicle and another charge included was a very far away gas station with very poor online reviews of previous frauds.
Finally Barclays is responsible for their inaccurate information and failure to investigate my dispute adequately and for their apparent fraudulent response to the CFPB. I would like Barclays to compensate me for all my losses plus interest which are described and detailed in my original complaint, plus punitive damages for all my time and duress.
I have also reported their shoddy fraudulent findings to the ReportFraud.ftc.gov FTC complaint on XX/XX/XXXX, and intend to file a FDIC complaint, consult lawyers about opening a lawsuit, as well as reporting Barclays to the BBB for their misconduct.
Thank you for your kind consideration of this matter.
|
| 09/20/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Let me start this out by saying this is my third CFPB complaint for this matter. XXXX XXXX has been unfair and deceptive in their handling of this claim and this is a classic example of a UDAAP violation. I have been passed around to various groups, lied to, mis quoted policies in person and in writing etc etc etc. XXXX has done everything in their power to try and make this go away when they are indeed in the wrong. To date I have not got a valid answer on my claim. See below for first two claims. Prior to every conversation I have had with XXXX XXXX I have been told that the call was being recorded, so along with the attached there are recordings of the misleading conversations.
The latest response to me states that the new policy does n't apply to me because of when I made the purchase. I was provided the old policy, a useless bank statement with nothing pertaining to this matter other than it saying the policy had changed on XX/XX/XXXX and another insulting explanation for why my claim is not covered. When I spoke to the XXXX representative I specifically asked on a recorded phone call for evidence where I was told that " Purchases made prior to XX/XX/XXXX were subject to the old policy ''. I was actually told in the first conversation after the 2nd CFPB complaint on XX/XX/XXXX that I filed my claim under " XXXX XXXX '' and the policy only covers " XXXX XXXX '' ... I was told the policy specifically says " XXXX XXXX '', which is why I was not covered. I scoffed at this and corrected the representative that in my initial claim i cited the policy correctly, and stated that the reason my trip was intrerrupted was do to a XXXX XXXX ( which is the same as XXXX XXXX ) and that at the time the trip was supposed to happen the XXXX XXXX level at the trip destination was at its highest level. Another example of a deceptive act trying to get me to back off of my claim rather than go forward with the correct amount of due dilligence on behalf of the consumer. I was then told on XX/XX/XXXX that through further research my purchase applied to an older policy that was replaced after the purchase but before the claim was filed.
No where in the new policy or old policy or notification I received from XXXX in my XX/XX/XXXX statement does it say " Purchases made prior to X date fall under the old policy ''. In fact it actually says on page 38 under Legal Disclosures " Effective XX/XX/XXXX this guide to benefits REPLACES all prior disclosures, program descriptions, advertising, and brochures by any party. The Policyholder and the insurer reserve the right to change benefits and features of this program anytime. Notice will be provided of any changes '' and also on page 26 the new policy says under terms of coverage for trip cancellation or inturruption " Coverage begins on the date the trip was purchased and ENDS ON THE TRIP DEPARTURE DATE ''. My trip was purchased under one policy and ended under the new policy, which according to the language in the new policy I SHOULD BE COVERED. As the consumer I should not be faulted for a change in policy holder by the Credit Card company. According to the NEW policy my trip should be covered as it falls within the coverage timeframe.
This is a potential UDAAP concern and I would like to receive local representation from the CFPB. Despite what I am being told about Purchases made prior to XX/XX/XXXX the policy is misleading and deceptive to the consumer. The CFPB Consumer Laws and Regulations manual V.2 published in XX/XX/XXXX states for Under, Deceptive, or Abusive Acts or Practices ( UDAAP ) on page 5 under Deceptive Acts or Practices that " Written disclosures may be insufficient to correct a misleading statement or representation, particularly where the consumer is directed away from qualifying limitations in the text or is counseled that reading the disclosures is unnecessary. Likewise, oral or fine print disclosures or contract disclosures may be insufficient to cure a misleading headline or a prominent written representation. Similarly, a deceptive act or practice may not be cured by subsequent truthful disclosures. '' The policy goes on to state " Acts or practices that may be deceptive include : making misleading cost or price claims ; offering to provide a product or service that is not in fact available ; using bait-and-switch techniques ; omitting material limitations or conditions from an offer ; or failing to provide the promised services. '' The amount of money I spend each year on my XXXX XXXX compared to the {$1000.00} claim shows how absurd this has become. It costs me nothing to read this policy and poke holes in its language. XXXX XXXX would rather try to make me go away with lies and deception than make this right. I understand my rights as a consumer but others may not and this is a clear cut example of deception and misleading statements. Whether I am right or wrong with this claim the inabilty to obtain a sufficient answer is why I am filing another claim.
" Let me start this out by saying this is a repeat complaint. Please see the below in " " for the original complaint which still holds true. " I made a purchase for plane tickets in XX/XX/XXXX. The trip needed to be changed due to XXXX XXXX, which is a covered reason under the terms and conditions of my credit card. XXXX referred me to XXXX XXXX XXXX. When speaking to XXXX XXXX they told me that prior to XX/XX/XXXX they did not handle claims against this card, so they referred me to XXXX : A XXXX XXXX. I submitted all necessary documents to XXXX who then denied the claim based on the reason that " XXXX XXXX is not covered ''. I called them and sent them screenshots from the XXXX XXXX website showing them that indeed XXXX XXXX is listed as a covered reason. The case was reopened, and after weeks of back and forth communication, XXXX sent me back to XXXX as they said i needed to put the claim through them. When speaking to XXXX again, i was told that another company needed to be involved but they couldint not get me in touch with them, I had to go back to XXXX. I have not contacted XXXX again but will be and will also be closing my account with XXXX. The runaround i am receiving is terrible business and deserves to be escalated to all levels. I have all of the necessary documentation detailing the above, including written correspondence with XXXX, screenshots from the XXXX website, all necessary receipts etc. I can provide if necessary. '' This past week my complaint was denied by XXXX XXXX citing the policy saying that XXXX XXXX was not a covered reason for trip insurance. They even attached the policy and left me a voicemail telling me to read over my benefits ... which i did before all of this started leading me to file a valid insurance claim. On page 26 of the cardholder benefits policy and on the benefits section on the cards website it says under covered reasons " XXXX XXXX ''. Please see the attached letter where the policy was incorrectly referenced. At this point i have been passed between multiple insurance agencies, because when i made the purchase they were using one insurance company and when i filed the complaint they were using another. The original claim was indeed denied until i cited the policy and then was told it was a valid claim. I have an entire email chain with the original insurance company stating this and also telling me to go back to XXXX. The person i worked with from the Office of the President was unattentive to my claim and the original CFPB complaint. She would take days or weeks to respond to me after leaving me voicemails in inopportune times throughout the work day. She even put me back in touch with XXXX who I was able to determine before filing the CFPB complaint ( without the help of XXXX XXXX ) was not the correct company to talk to ... and they again told me it was not them who can help me ... which I already knew and told had already told XXXX XXXX office of the president when we spoke on the phone. When i tried calling XXXX XXXX again, I left a voicemail and received no response ... just a denial letter and voicemail telling me to check my email. The Denial on the CFPB website with attachments from the office of the president incorrectly cites their own policy, attaches the policy for me to ( re read ) and neglects the fact that " XXXX XXXX '' is listed on page 26 of their policy ( all attached ). All of this was given to the woman working my claim, along with all the other evidence needed including email chain with the original insurance company, all receipts, screenshots from their website etc etc etc ... and clearly ignored. See attached. This is unacceptable business and it is unacceptable that because this company can not figure out the correct insurance agency to put me in touch with or handle for me as a valued customer, I am now out the money that should be paid back to me. At the very least they should have competent people working in customer facing positions who can ACCURATELY AND ADEQUATELY CITE their cardholder benefits policy. If the consumer can read it, the Office of the President for XXXX XXXX should be able to read the policy before falsely denying a claim. At this point the only person that has done their due diligence in this situation is me. ''
|
| 12/31/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
XXXX XXXX XXXX Member Retired from the XXXX and worked 13 years for the XXXX XXXX Prior to being contacted by the XXXX XXXX marketing department in XXXX XXXX I owned XXXX XXXX points prior to the last contract fraudulently sold of XXXX points. The company denied my claim XX/XX/XXXX, hiding behind the oral representation clause as well as declining in XX/XX/XXXX just after the rescission period. Because I was told to call the XXXX desk in XX/XX/XXXX to cash in points for a non-existent program, the company was able to dodge the rescission period.
On XX/XX/XXXX this article was published detailing the reports of XXXX XXXX XXXX and retired military. My story was included in the article.
XX/XX/XXXX The sales agent that fraudulently sold me the XXXX points, XXXX, called and said they will talk to corporate. XXXX said he was responding to my email and I reminded him the email was eleven weeks old that I sent to XXXX.
XXXX said he will talk to me on Tuesday, XX/XX/XXXX, but there is nothing to talk about. The complaint is detailed below.
Contract disputed : XXXX points purchased XX/XX/XXXX Purchase price {$76000.00} {$15000.00} down payment {$61000.00} financed at 11.99 % Location of purchase in, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX agent : XXXX XXXX Supervisor XXXX XX/XX/XXXX Email to XXXX XXXX Advocacy To XXXX XXXX Consumer Advocacy XXXX XXXX XXXX XXXX I was sold XXXX points based on deceit and bait and switch. I am asking that my last contract be rescinded, the loan cancelled and all monies from the last transaction refunded.
I had been happy with XXXX and my other contracts until the last purchase. I was told at a Virginia sales presentation for XXXX members, by XXXX XXXX sales agent XXXX XXXX, traveling with the XXXX XXXX XXXX XXXX SALES TEAM, that because of a special program only available to those who have been XXXX for five years or more, by purchasing an additional XXXX XXXX points, I could take advantage of a special offer and never again have to ever pay maintenance fees. He illustrated the program on paper. He described how the additional points would be doubled and if I chose to cash them in, they would cover all maintenance fees. In addition, I would still have points left over, more than I had before.
This last purchase will bankrupt me because this is not a way to pay for maintenance fees and it hasnt given me double points. It was a classic bait and switch. I was told I would have XXXX points after this additional purchase. Instead I have XXXX more points than the original XXXX I owned ( now XXXX ). My husband was with me XX/XX/XXXX and will attest that he could not follow the logic of what I was being told and sold. XXXX XXXX implied this program had been launched to help raise funds for XXXX and that XXXX was interested in having me participate because I would be purchasing points, and freeing up room inventory when I cashed points in. He explained the program as a way to show gratitude for my being a loyal XXXX member.
I could not find anyone to confirm the program and ended up contacting XXXX XXXX. She told me about XXXX new CLARITY program which is about accountability, transparency and respect for the customer. Numbers dont lie. The numbers above are what I was told.
XXXX also told me about XXXX XXXX Consumer Advocacy program and advised me to contact the Advocacy department. She provided me a link to the story of XXXX XXXX, a Virginia resident who was sold a program identical to the one described above. XXXX XXXX was told if she purchased additional points, she would be able to pay maintenance fees and have points lift over.
XXXX XXXX XXXX Please contact me by XX/XX/XXXX before I file complaints with : The Better Business Bureau The Attorneys General of Maryland, Virginia and Nevada ( I am a Veteran with a XXXX ) The Real Estate Division of Florida against XXXX XXXX The Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX After numerous calls from XXXX XXXX XXXX sales office, my husband and I decided to attend a workshop ( as XXXX Marketing Specialist XXXX XXXX XXXX called it ) to be held nearby at the XXXX XXXX XXXX in XXXX, Virginia. We went to the workshop hosted by the " XXXX XXXX Sales Team from XXXX XXXX, '' XX/XX/XXXX. Since it was called a workshop, we had thought it would be attended by a group of members. When we walked in, there were several tables. A few couples came, but the couples were separated.
I signed a contract to purchase XXXX XXXX points on XX/XX/XXXX, and was told this was a special offer for XXXX members who had been XXXX for more than five years. XXXX XXXX said in the workshop I would receive double points which could be used to pay for maintenance fees while still putting me points ahead. He illustrated his calculation on this presentation paper. Starting in XX/XX/XXXX, he said I would be able to cash out points and use the monies received to cover all or some of maintenance. He explained the new program was also an advantage to XXXX because when I ashed in points I freed up inventory. I was told I could call XXXX, tell them how many points I wanted to cash out, and they would send me a check. I could use that check to pay my maintenance fees and still be points ahead.
I returned the contract the next day XX/XX/XXXX. I called ahead and said the contract was too costly for my budget. When I arrived, I was presented a new contract with more favorable terms, which I signed. I was told, that by buying XXXX points I would end up with XXXX points.
XXXX points I owned prior to the workshop XXXX XXXX x XXXX ( double points ) = XXXX The new contract showed that the annual maintenance fee was the same amount as the annual loan payment. I was sold this program as a way to totally cover maintenance fees and have points left over. The agent agreed with my statement : So my heirs will inherit the points and by cashing in some points they will have no annual expense? In 10 years, once I paid off the loan, my heirs would inherit the point Collections and would not have to pay out of pocket any maintenance fees. When I asked the manager XXXX how soon I could cash in points to pay maintenance fees he said XX/XX/XXXX. I was told I should call the XXXX line and tell them how many points I wanted to cash in.
I went on travel immediately after, and told numerous people about my deal. When I got too many incredulous responses I tried to reach my salesman XXXX XXXX, both through his resort at XXXX XXXX, and through the sales offices at XXXX XXXX and XXXX XXXX / XXXX XXXX. No one would give me his number. The XXXX XXXX desk said to phone XXXX XXXX ; I couldnt reach him there. I asked the sales office at XXXX XXXX for assistance on the day I was leaving for XXXX XXXX. The agent assured me he would help and would be in contact the next day. He never called.
At XXXX XXXX, the Concierge said it was my right to take advantage of all gifts XXXX was offering, and that because I had just purchased, she encouraged me to see the renovated resort at nearby XXXX XXXX and to accept the gifts and the meeting. At the meeting the agent was apoplectic. He asked, WHY DID YOU DO THIS? YOU HAVE PURCHASED A POINTS BASED CONTRACT AND YOUR MAINTENANCE FEES WILL KILL YOU. I explained the new program. He told me there was huge lawsuit going on and I was mistaken. He left the room and brought in his manager. He asked me to repeat my story to his manager. The manager also said there was no such program. The agent contacted XXXX corporate and had me speak to a relative of his who worked in contracts. She also said there was no such program. The agent left the room. When he returned, he returned, he hustled me out of the office and said the meeting was over, there was nothing he could do.
When I got home XX/XX/XXXX, I contacted XXXX XXXX and explained what I understood and said no one had heard of the program he described. XXXX XXXX said it basically would work as he had described and I should let him re-explain it, but, if I really didnt want it, he would look into it. He never contacted me. I wanted to cancel the contract. He said I should reconsider. He did not say we could not cancel so I texted him later that night but had no response. I faxed a letter of request to the rescission team the next day, XX/XX/XXXX, and after a week and several follow up calls, received a call back that said I was past the rescission date.
I was not aware of the seven day rescission period because the separate piece of paper that should have been included in the XX/XX/XXXX contract XXXX was not included in my new paperwork. When I contacted XXXX and asked for the rescission information, I was sent a screen shot of the purchasers non-waivable right to cancel for the XX/XX/XXXX contract Number XXXX. As the XX/XX/XXXX contract was revoked, I had not bothered with that piece of paper.
The program I thought I was getting is entirely different from what I got. From XX/XX/XXXX, I spent 10 hours with the XXXX XXXX XXXX. Based on the math the team provided, I understood what they hyped but it wasnt what they sold.
I had been happy with XXXX and my other contracts. I have been just sick to death, losing weight and sleep. This has become a nightmare.
|
| 02/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I made a purchase through XXXX that was financed through a credit card provided by Barclay 's.
On XX/XX/XXXX, I logged into the Barclay 's card portal to setup the recurring payments to ensure that the card was paid promptly and for more than the minimum amount each month. On this date I setup a recurring monthly payment to occur 3 days prior to my billing cycle which occurs on the XXXX of each month with the first bill cycle to occur on XX/XX/XXXX.
In addition, due to confusing language about when this takes affect or could take affect, I also made an initial payment of XXXX dollars to cover any limitations of the Barclay 's automated payment system.
On the XX/XX/XXXX I was hit with a late fee for not making a payment on my card.
I contacted Barclay 's identifying that I had setup both recurring payments and an initial payment on this card and that not only did I need the late fee removed ( not waived because it should have never been applied ) but I want verification that no negative action would be taken by Barclays. This communication has taken place through their portal between XX/XX/XXXX and XX/XX/XXXX.
Barclay 's waived ( not removed ) the late fee but refused to verify that this would not be reported to the credit bureaus. I notified Barclay 's on the XX/XX/XXXX that I would then forward this concern to the CFPB for further investigation.
I do not recall the exact messaging of their recurring payments but as evidenced by my initial manual payment of XXXX dollars plus the setup of the recurring payment for XXXX dollars per billing cycle I made a reasonable attempt to work within their system 's constraints ( Constraints that are arbitrary and appear to be at odds with the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX). It is unreasonable for an automated electronic system to require more than 21 days for a recurring payment to take affect.
Here is a copy of the transcripts of the communication : Customer XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX Barclay Customer support, Unfortunately, the messaging that you have is not clear and as evidenced by the initial payment and setup of the recurring payments I performed, I did attempt to pay all components timely. It is clear I was attempting to jump through the hoops Barclays has setup in an effort to trip up their borrowers. It is unfortunate that Barclays has taken this tactic against its borrowers and the persons it has issued credit to.
I fully understand that the FFIEC requires all banks to report accurate information on credit bureau reports.
However, my concern is that the way this system appears to be setup would violate the Credit Card Accountability Responsibility and Disclosure Act of 2009. I understand that Barclay 's is choosing to not take responsibility for what is clearly a problematic system and my actions with Barclay indicate clearly my intention to pay promptly and on time.
It would make sense given Barclays desire to shed responsibility to forward this concern over to the Consumer Financial Protection Bureau.
Response Customer Service via Email XX/XX/XXXX XXXX XXXX Dear XXXX XXXX : Thank you for contacting us regarding your Barclaycard XXXX Signature with XXXX Rewards. We can certainly address your inquiry regarding the activity on your account.
We apologize for any concern, after review of your account, we are pleased to inform on XX/XX/XXXX we waived the {$27.00} late fee that posted on XX/XX/XXXX. This credit will reflect on your next statement. It can also be viewed online once it has posted to your account by selecting the Activity & Statements ' menu and clicking the 'Transactions ' option. From there you can choose to view Posted transactions or Temporary authorizations and can filter the time frame by using the drop down menu.
Our records indicate you enrolled in our repeat payment program on XX/XX/XXXX. When setting up repeat payments we advise it will take up to one billing cycle to begin and that you will need to manually schedule the current months payment. We can confirm that this alert is displayed within the provided disclosures when finalizing the repeat payment process. Where no payment was manually entered, your account went past due.
Please note that our payment system only initiates payments after your statement closing date. Currently your statement closing date falls on the XXXX of every month. Where your repeat payments were initiated on XX/XX/XXXX your first repeat payment could not be set up until after XX/XX/XXXX when your next billing cycle closed. We can confirm that your first repeat payment has been scheduled for XX/XX/XXXX. You can confirm this directly online by clicking the Payments menu and selecting the 'Payment activity ' option. The following page will show your 'Pending payments ' as well as your 'Past payments '. Keep in mind that our system will automatically modify your repeat payments to pay at least your minimum payment requirement.
We regret to inform you that we are unable to change the way we report to the credit bureaus and we apologize for any inconvenience this may cause. Please note we currently update your credit report monthly and it may take 30 days for the credit bureaus to update their records. While we do not report on a specific date, we typically update within a few days of your statement closing date. Our records indicate your closing date currently falls on the XXXX of the month. Please keep in mind, if the closing date falls on a weekend or holiday, your statement will close on the previous business day. Your payment due date will be the same day of each month and the payment will be due at least 21 days from the date the billing cycle closes. Please be advised that for fair banking procedures, the Federal Financial Institutions Examination Council ( FFIEC ) requires all banks to report accurate information on credit bureau reports.
We hope you find this information helpful and we thank you for your continued business. If you have any other questions or concerns, please reply to this message.
Sincerely, Customer Service Customer XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX No, this wasn't processed after the date of recurring payment. The recurring payment was setup on XX/XX/XXXX. The first date of recurrence would have been XX/XX/XXXX which is most certainly not before XX/XX/XXXX. You will see I did also submit an initial payment of XXXX dollars to ensure whatever shenanigans Barclays would try to pull would not be pulled.
You haven't waived any late penalty as I did not incur a late penalty due to your system 's fault and not the fault of the borrower in this case.
Please verify that this late-payment will be removed from this account and that no negative action will be taken by Barclay 's for the failure of the Barclay system. This verification is required for my records.
Response Customer Care via Email XX/XX/XXXX XXXX pm Dear XXXX XXXX : Thank you for contacting us regarding your Barclaycard XXXX Signature with XXXX Rewards. We can certainly address your concern regarding the payments on your account.
At this time, we can confirm that your recurring payments were successfully set up on XX/XX/XXXX ; however, as this was processed after the date that your recurring payments are automatically scheduled, the first recurring payment will not properly schedule until your next due date. A notification should have been displayed on the screen advising of this, and that a one-time payment would still need to be made by the due date, at the time that your recurring payments were setup. We can confirm that going forward, these payments will post monthly.
Please know, whenever payment is not received for at least the amount of the minimum payment due prior to the XXXX XXXX ET cut off time on your payment due date shown on the monthly statement, a late payment fee will be applied to the account.
We are pleased to inform you that we have waived the late payment fee in the amount of {$27.00} that posted on XX/XX/XXXX. This will lower your minimum payment due down to {$120.00}, and this credit will reflect on your account within 3 business days.
We also offer several email alerts that will help keep you informed about your account. To set up or change your account alert settings, you will need to click the 'Services ' tab that is located near the top of the page, then select the 'Alerts ' link.
We would like to thank you for being a part of our family of credit cards, and we hope you find this information helpful. If you have any other questions or concerns, please reply to this message.
Sincerely, Customer Care Customer XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX I have a recurring payment setup on my account. This should pull XXXX dollars towards the payment. Each month 3 days before the payment date, so this should have pulled on XX/XX/XXXX.
I received an email stating that I am behind on my payments. This appears to be an error with the recurring payment function of the site. Please correct this and ensure my account is NOT dinged for any interest, late payment or other negative account status.
|
| 06/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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On XX/XX/2022, at approximately XXXX XXXX ( PST ), while reviewing my Barclay Card MasterCard purchases I saw four unrecognized/unauthorized pending charges to my credit card. The pending charges were : ( 1 ) XXXX XXXX for {$950.00}, ( 2 ) XXXX XXXX for {$700.00}, ( 3 ) XXXX XXXX for {$650.00}, and ( 4 ) XXXX XXXX for {$18.00}. None of these purchases were made by me, and I had physical possession of my Barclay card. On this same date, I immediately contacted Barclay Card customer service, via phone, and explained that I had noticed some unrecognized/unauthorized charges on my credit card. Customer Service subsequently transferred me to the Fraud Unit. I then advised the Fraud unit of the unauthorized/fraud pending charges on my credit card, during which time they asked me to confirm other charges on my account. The Fraud Unit representative then reviewed the charges on my account and told me that they could see that the four above described charges were fraudulent as that they were all online purchases and further advised me that they would be removed from my account.
On XX/XX/2022, I electronically reviewed my Barclay Card MasterCard account and saw that the XXXX XXXX, XXXX XXXX, and the XXXX XXXX charges were now listed on my account as recent ( completed ) transactions. However, the charge to XXXX XXXX was no longer listed in the recent nor pending transactions. At approximately XXXX XXXX., I contacted Barclay Customer Service and asked to be transferred to the Fraud Unit. The representative advised that he wanted a chance to help me and asked what the issue was. I advised the representative of the fraud charges and told them that now the charges were listed in the completed transactions. The representative said that he was reviewing my file and then he told me that he saw that the charges were being investigated by the fraud unit and told me that it may take one to two billing cycles until I would receive a credit on my account for the charges. I told the representative that I still wanted to speak with the fraud department and the representative provided me with phone number XXXX to contact the fraud unit directly. Following that call, I tried calling the fraud unit, but received a message that they were closed for the day.
On XX/XX/2022, at approximately XXXX XXXX I called the Barclay Fraud department to inquire about the three remaining charges on my account. During the discussion, the representative advised me that the investigation regarding the charges for XXXX, XXXX, and XXXX XXXX was completed and that transactions were put back onto my account because the investigation determined that I had made the transactions. I assured the representative that I had not made any of the transactions and the representative stated something to the fact that my name had been on the ticket ( airline ticket ) and so the charges were put back onto my account. The representative told me that my only option was to submit proof to the fraud unit that I had not made the purchases and suggested that I contact the police and make a report. I asked the representative why the XXXX XXXX charge was not on the transactions, but that the ones for XXXX, XXXX, and XXXX XXXX were, and the representative was unable to give me an answer. I asked the representative to provide me details of Barclay 's investigation along with the IP addresses of where the online transactions had occurred so that I could do my investigation. The representative told me that they could not give me any details of their investigation and said that I would need to submit a subpoena to Barclay to get the information regarding details of the investigation. I then asked to speak to a supervisor and the representative said that they would send a message to have a supervisor contact me as soon as possible. ( As of the writing of this statement, I have not yet heard back from any Barclay manager. ) The representative then provided me with po box XXXX XXXX, Delaware XXXX as to where I could send the documents with proof of my claim.
On XX/XX/2022, I contacted XXXX XXXX Customer Service Representative, XXXX ID # XXXX, during which time I discussed the fraudulent charge to XXXX that was submitted on my credit card on or around the date of XX/XX/2022. Representative XXXX then advised that she could check the records to help me in the matter and asked me for my full name and the credit card number so that she could perform the checks. After given the information, XXXX then searched the XXXX electronic records and advised me that she was unable to locate any tickets purchased under my name or tickets purchased using my credit card number during the time frame, or any time in XXXX, XXXX. Representative XXXX then advised me that she was going to open up a case ( Case # XXXX ) with the information and submit it to XXXX investigations to look into the matter. XXXX took my e-mail address and said that I should her back from XXXX investigations via e-mail in approximately 5 business days.
On XX/XX/2022, I also called XXXX XXXX Customer Service and spoke to Representative, XXXX ID XXXX XXXX, during which time I discussed the fraudulent charge to XXXX that was submitted on my credit card on or around the date of XX/XX/2022. Representative XXXX then freely advised that he could check the records to help me in the matter and asked me for my driver 's license number and the credit card number so that he could preform the checks. After given the information, XXXX then searched the XXXX electronic records and advised me that he was unable to locate any rental transactions under my driver 's license number or my credit card number. Representative XXXX then provided me with an XXXX case number ( Case # XXXX ) and recommended that I send an e-mail ( to XXXX ) and a screen shot of the credit card charge to make a formal request to XXXX to investigate the fraud charge. Following the phone call, I submitted an e-mail to XXXX with details of the unauthorized charge and the screen shot with a formal request to investigate the XXXX fraud charge of {$700.00}. On XX/XX/2022, XXXX Customer Service sent me an e-mail stating that they were unable to locate my reservation and stated that the amount of {$700.00} is for prepaid reservations. I replied to XXXX customer service to cancel any transactions using my credit card as they were unauthorized/fraudulent charges.
On XX/XX/2022, I called the XXXX XXXX Store # XXXX, at phone number XXXX and I spoke to Manager XXXX. ( Note : XXXX XXXX # XXXX is located at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ; which XXXX maps shows as being a distance of XXXX miles away from my residence. ) I discussed the fraudulent charge on my credit card from XXXX XXXX and asked XXXX if he could research the transaction. Manager XXXX asked me for the charge amount and the last four numbers of my credit card, during which time I provided the information to XXXX. XXXX subsequently told me that he had found the receipt for the transaction, " ticket # XXXX '', and he advised me that the name on the order was " XXXX ''. I asked XXXX if knew if it was an internet order, phone in order, or an in person order and XXXX said that he could not tell from the receipt and stated that all he knew was that it was a credit card purchase. XXXX said that it was the second customer for the day and said that they did have video cameras in the store, but that he was not sure if he could provide me with the video clip until he asked his boss. XXXX told me that he could e-mail me a copy of the receipt if that would help and I gave him my e-mail address and asked him to do so. XXXX said that he would talk to his boss about the surveillance video and that they ( XXXX XXXX ) would help in any way that they could. Later that day, I received an e-mail from XXXX from XXXX with a copy of the receipt and a message saying that he would contact me once he hears from his boss.
On XX/XX/2022, I filed an online report to the XXXX XXXX, CA Police Department in regards to the identity theft and the unauthorized four charges from XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX Police Department subsequently assigned the investigation case number XXXX and e-mailed me a copy of the corresponding Police Report.
On XX/XX/2022, I drafted a declaration to Barclay Fraud Investigations disputing the fact that the charges made to XXXX XXXX, XXXX XXXX, and Firehouse Subs were not made by me and I requested that they reinvestigate the matter. I will send this declaration to Barclay Fraud Investigations via certified mail on XX/XX/2022. I have attached a copy of the letter and the documents that I will be sending to Barclay Card Fraud Investigations.
Any help or guidance you can provide me in this matter would be greatly appreciated because I feel like I have done most everything possible to show Barclay Card that I did not make or authorize these purchases.
|
| 04/26/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
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On XX/XX/XXXX, I made a purchase with my BARCLAYS credit card from a merchant, named XXXX XXXX for an amount of {$1800.00}. The purchase was for international air travel, with a travel date of XX/XX/XXXX. I was unable to board my flight on XX/XX/XXXX, due to the negligence and/or breach of contract of XXXX XXXX.
On XX/XX/XXXX, I contacted XXXX XXXX, but they were non-responsive to my requests for a refund.
On XX/XX/XXXX, I sought reimbursement for my missed flight through travel insurance protection that I purchased in addition to the purchase of the airline tickets. However, on XX/XX/XXXX, the travel insurance company, XXXX, denied my claim and stated that the insurance policy I purchased did not cover negligence and/or breach of contract by the merchant XXXX XXXX
Some time in XX/XX/XXXX, I contact BARCLAYS via telephone I disputed the transaction with BARCLAYS, and a provisional credit was issued for the full amount of {$1800.00}. I was given a Case Number XXXX. I confirmed on that telephone call I had documentation to support my dispute, and the representative on the phone stated that if XXXX XXXX did not agree with my dispute BARCLAYS would contact me to provide documentation for review before the investigation by BARCLAYS was completed. On XX/XX/XXXX, I received written confirmation from BARCLAYS that XXXX XXXX was notified of my dispute.
On XX/XX/XXXX, I happened to log-in to my BARCLAYS online account and saw that the provisional credit for the disputed {$1800.00} charge was reversed. However, I never received any written notification of the reversal, or a request for additional documentation from BARCLAYS prior to that date. I immediately called BARCLAYS on XX/XX/XXXX, and was told by a representative named " XXXX, '' that the investigation under Case Number XXXX was closed because XXXX XXXX provided fraudulent information that claimed I voluntarily missed my flight and provided a copy of its cancellation and refund terms for voluntary missed flights in response to the BARCLAYS investigation. I advised " XXXX '' that BARCLAYS never contacted me during the investigation so I could provide documentation proving I did not voluntarily miss my flight, and I requested that BARCLAYS re-open the investigation immediately. " XXXX '' explained that in order for BARCLAYS to re-open the investigation I must draft and send the request in writing. " XXXX '' explained that in the meantime BARCLAYS could not re-issue the provisional credit, but that any interest on the charge would not accrue while it was still disputed after the investigation was re-opened. Finally, " XXXX '' stated that if I pursued legal action against XXXX XXXX and was successful, BARCLAYS would reverse the disputed charge at that time.
On XX/XX/XXXX, I drafted a letter wherein I requested that BARCLAYS re-open the investigation for the disputed {$1800.00} charge, and outlined how I made multiple attempts to correct the charge with XXXX XXXX, but that XXXX XXXX was non-responsive. Additionally, I outlined that under my written credit card agreement with BARCLAYS, I was well within my rights to have the disputed charge removed as I fulfilled all three necessary criteria listed in the BARCLAYS agreement : ( 1 ) The purchase was made in my home state of California via an internet transaction ; ( 2 ) I used my BARCLAYS credit card for the purchase ; and ( 3 ) I have not yet fully paid for the purchase. Finally, I included with my letter several documents, which disputed XXXX XXXX ' claim that I voluntarily missed the international flight on XX/XX/XXXX.
On XX/XX/XXXX, I filed a lawsuit against XXXX XXXX for the full amount of the disputed charge of {$1800.00}, plus additional damages. I waited to hear back from BARCLAYS, but I never did.
On XX/XX/XXXX, a trial was held in XXXX XXXX County Superior Court, and the Court ruled in my favor for the full amount requested, including court costs, for a total judgment of {$2600.00} entered against XXXX XXXX, which included the disputed charge amount.
On XX/XX/XXXX, I still had not heard back from BARCLAYS, but I noticed that the disputed charge was not reversed, and I was still being charged interest on the disputed charge on my billing statement, so I called BARCLAYS on the telephone. The representative stated there was nothing she could do over the phone regarding the interest still being charged, that the investigation was closed, and that I would need to draft a request in writing to have the investigation re-opened. I explained I already had done that, and was waiting to hear back from BARCLAYS regarding the status of the re-opening of the original investigation. The representative simply repeated that I must submit my request to re-open the investigation in writing. I advised the representative that I had successfully sued XXXX XXXX for the disputed charge. The representative told me that so long as I could provide a copy of the Court 's judgment included with my written request to re-open the investigation, then BARCLAYS would finally reverse the disputed charge and credit my account for any previously paid interest associated with the disputed charge. The representative gave me a new Reference Number XXXX regarding my request. That same day on XX/XX/XXXX, I drafted a letter requesting that BARCLAYS re-open the investigation, reverse the disputed charge and any interest charges, and I included a Conformed ( " Official '' ) copy of the Court 's Minute Order from the Trial, as well as additional supporting documentation.
As of XX/XX/XXXX, I still had not heard back from BARCLAYS, so I attempted to call, but due to COVID-19 I was unable to get through on the telephone line. So I instead contacted BARCLAYS through my online account messaging tool, asking for an update.
As of XX/XX/XXXX, I still had not heard back from BARCLAYS. I again contacted BARCLAYS through my online account messaging tool, asking for an update.
On XX/XX/XXXX, I received a response from BARCLAYS through my online account messaging tool : " Dear XXXX XXXX : Thank you for contacting us here at your XXXX XXXX in regards to the decision of your billing dispute.
Regrettably, at this time, we can not change the decision of your case through the Secure Message Center. We apologize for any inconvenience this may cause.
However, we can confirm the charge of {$1800.00} from XXXX XXXX, is currently in dispute. We also show that a dispute case has been opened for you and we have begun our investigation, which can take up to 45 days or longer to complete depending on the complexity of the case. During the time that the transaction is in dispute, it will continue to appear on your statement. However, the transaction will not be subject to finance charges, and you are not responsible to pay any portion of the dispute transaction during the investigation. Once we receive a copy of the sales draft from the merchant, we may reach out to you and ask you to review it or we may request additional information in order to present the strongest case to the merchant.
We would like to make you aware that we will do our best to represent your interests in this case and will work to reach a fair outcome. Once the investigation is completed, we will send you a letter with our findings. If the dispute is resolved in your favor, a credit will be applied to your account. If for any reason we are unable to resolve the dispute in your favor, we will provide you with a reason why we did not prevail and you will be responsible for the transaction.
If you have any additional questions regarding your dispute, we ask that you please contact our Dispute Unit directly at XXXX. Our agents are available Monday through Friday : XXXX XXXX - XXXX XXXX ET, and will be happy to assist you.
We appreciate the time that you have taken for bringing this matter to our attention, and for the opportunity for us to clarify the situation. Thank you for entrusting BarclaycardUS with your financial needs. If you have any other questions or concerns, please reply to this message.
Sincerely, Customer Care '' On XX/XX/XXXX, I received a letter in the mail from BARCLAYS that stated the following : " Dear XXXX XXXX : We've carefully reviewed all of the documentation supplied regarding the activity below : XXXX XXXX, {$1800.00}, XX/XX/XXXX.
After further review we're not able to assist you with obtaining a credit to your account due to the following : We are outside of the permitted timeframes to continue this claim through the dispute process.
We encourage you to continue to pursue credit by contacting the merchant directly. Unfortunately, we can not assist you further with this issue. ''
|
| 02/18/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
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|
Web |
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We want our last purchase of XXXX XXXX XXXX points costing {$140000.00} cancelled and refunded because we were victimized by XXXX sales agent XXXX XXXX.
Purchase price {$140000.00} Down payment {$29000.00} Two Barclays cards were opened to pay down payment Loan balance as of XX/XX/XXXX {$100000.00} We were told to attend a meeting because of the changes XXXX XXXXXXXX XXXX was making described as new information and new opportunities. The information and opportunities described by XXXX XXXX were false and constitute white collar crime, financial institution fraud, fraud for profit, as defined by the FBI.
We have learned through an advocacy group we joined XXXX XXXX earned {$1.00} to {$2.00} million a year in commissions at XXXX, and also someone inside XXXX reported to our advocacy group that XXXX XXXX is a financial XXXX. I have connected with another one of his victims, XXXX XXXX, XXXX, also sold by identical misrepresentations and fraud. I am in possession of a report of 42 XXXX XXXX XXXX complaints ( as of XX/XX/XXXX ). Upon checking into the background of XXXX XXXX, it appears he has opened several LLCs. I did not directly check his background, but due to the obvious fruaud, members are working with other members to expose what appears to be widespread corruption.It is rumored he is back in the XXXX XXXX, but there are complaints against three other XXXX XXXX XXXX sales agents and we talked to one of them when we were there. There names are XXXX, XXXX, and XXXX XXXX. An attorney who lives in XXXX XXXX, has been assisting XXXX victims as a volunteer because she was sold by deceit and bait and switch as well. She is now dedicated to assisting other victims.
Fraud for profit as defined by the FBI matches exactly what happened to us. I have filed a complaint with XXXX and orally through the public access field office line : " Those who commit this type of mortgage fraud are often industry insiders using their specialized knowledge or authority to commit or facilitate the fraud. Current investigations and widespread reporting indicate a high percentage of mortgage fraud involves collusion by industry insiders, such as bank officers, appraisers, mortgage brokers, attorneys, loan originators, and other professionals engaged in the industry. Fraud for profit aims not to secure housing, but rather to misuse the mortgage lending process to steal cash and equity from lenders or homeowners. The FBI prioritizes fraud for profit cases. '' We owned enough points as we were already XXXX members with XXXX points, but XXXX XXXX presented a program in which XXXX would buy back our points from us or our heirs should a need to sell arise. According to XXXX XXXX, You wont get all your money back but you will get a big piece and your kids can sell back to XXXX. You can make some money on it. It sounded like it would be enough money to buy a house with the proceeds. He also told us how we could reduce our maintenance fees over ten years to nothing using points. He showed us on a piece of paper. XXXX XXXX said we had to purchase XXXX points to be eligible. The purchase price was {$140000.00}.
According to the FBI agent I spoke with when reporting through their public access phone line, it is not legal for any company to hide behind fine print, allowing such obvious criminal activity.
Account information XXXX we purchased XXXX XXXX XXXX applied to purchase at XXXX XXXX XXXX we purchased XXXX XXXX XXXX XXXX XXXX points purchased Sales Agent XXXX XXXX XXXX XXXX at XXXX XXXX additional points purchased XXXX XXXX Purchase price {$100000.00} Sales agent : XXXX XXXX XXXX and bait and switch is not limited to the XXXX XXXX sales centers.
At XXXX we were told to sign a paper. The agent said, Dont sign this yet because wherever you were last they have to hold that price. That price is way below what you would pay today! If you sign this paper you wont get that price. She also said we could not think about it overnight. The offer will expire with this members update, so we were not allowed to think it over. Management does want you to lose this offer because they wont want to honor it because the price is so low.
A lawsuit has been filed by XXXX 's second highest producing agent, formerly working for XXXX in Hawaii at XXXX, detailing in a lawsuit she filed XX/XX/XXXX, the deceptive " price freeze '' Case XXXX filed in Hawaii XXXX XXXX Page 10 of complaint # 43 Owners Update is deceptive because it is to sell points.
# 44 Customer is told the current list price but the agent has to see someone else.
# 48 the sales agent has customer sign a form indicating they were updated and the agent has to have the manager sign off.
# 49 the sales manager has reviewed all prior customer contracts and the manager falsely states the customer was given a price freeze but none exists.
# 50 ( In bold ) because of the price freeze only today can the customer buy for the discounted price.
# 51 ( In bold ) the price given is the real price planned from the outset.
# 52 the price freeze never existed because ( a ) The special deal available to this customer only is available to anyone and ( b ) Urgent to buy only for today # 54 this is lucky news for the customer brand new information!
# 55 the sales agent waits for the customer to step in There have also been many complaints of XXXX agents selling against each other from Hawaii and US because they are different point collections XXXX XXXX and XXXX XXXX, telling the member they should have not bought one or the other, depending on what side of the XXXX they are on.
XX/XX/XXXX XX/XX/XXXX Sales agent XXXX XXXX XXXX XXXX said we should not have purchased XX/XX/XXXXpoints because it would be more difficult to book XXXX stays.
XXXX XXXX points purchased Purchase price {$27000.00} Hawaii XX/XX/XXXX Purchase price {$16000.00} XXXXXX/XX/XXXX points Sales agent : XXXX XXXX We were told real estate was harder and harder to come by in Hawaii for XXXX. XXXX is going to start buying points so it made sense to buy Hawaii points because there would be a diminishing number of points available making an attractive investment.
( There has also been a lawsuit filed Friday XX/XX/XXXX by a New York Class Action law firm and a Nevada law firm accusing XXXX of selling points as an investment, violating the Securities Act of 1933. ) My husband worked as an XXXX and is familiar with research procedures.
At this point, before we met with XXXX XXXX, we owned a total of XXXX points ( XXXXXX/XX/XXXX and XXXX XXXXXX/XX/XXXX ) We were happy up to this points despite the fact that we were a victim of the deceptive price freeze outlined in XXXX XXXX lawsuit.
All purchases up to this point have been paid in full.
XX/XX/XXXX Sales agent XXXX XXXX at XXXX XXXX XXXX XXXX said we needed to attend an update because of XXXX XXXXXX/XX/XXXX. When I asked how we would find out about the new programs if we had not come to XXXX, XXXX XXXX said XXXX would send someone to our house.
We were told we or our heirs could sell points back to XXXX if we bought XXXX additional points. You wont get all your money back but you will get a big piece and your kids can sell back to XXXX. You can make some money on it. It sounded like we could buy a house with the proceeds. He went on about how we could reduce our maintenance fees over ten year to nothing using points. He was showing us on a piece of paper.
Purchase price {$140000.00} Down payment {$29000.00} Two Barclays cards were opened to pay down payment Loan balance as of XX/XX/XXXX {$100000.00} Note number XXXX The ability to sell back the points and no longer have maintenance fees! Sounded great! We were exhausted from being kept in a tiny room for 6 hours of high pressure. We discovered it was a lie ... we are in debt, our maintenance fees have doubled.
At this time we are all paid up with XXXX on our other purchases. My husband talked to XXXX XXXX at XXXX XXXX ( VP director of sales ) about the lies perpetrated on us and the financial situation we are in now. She only replied to one email and mentioned claiming financial hardship but no response since.
XXXX XXXX When I read the 42 XXXX XXXX reports and also a report of the number ofXX/XX/XXXX up-sells, it really sound like XXXX and their agents are victimizing their most loyal and satisfied customers in an effort to take back their points so they can start over with a new victim and get the initial purchase price again.
There is no question the actions of the XXXX XXXX, XXXX sales agents, and Barclays, as Barclays is aware of the volume of complaints, and the criminal nature of the complaints, yet turns a blind eye.
|
| 12/03/2023 |
Yes |
- Credit card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
BRCLYS BANK DE continues to report my financial account information without my consent. BRCLYS BANK DE and XXXX are financial institutions profiting off of the sale of my nonpublic financial information. Since this is my financial informatin being exploited I am entitled to see the accounting record between the two. Since both parties continue to report this information I am requesting yet AGAIN that this information be made availabe to see when was the last time this information was submitted and accurately verified. This account is not reporting with the other two credit bureaus which leads me to believe it is not validated or verified.
15 U.S. Code 1681e - Compliance procedures U.S. Code Notes prev | next ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes list
ed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter.
( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph.
( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ).
( 2 ) Responsibilities of procurers for resale A person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person ( i ) identifies each end user of the resold report ( or information ) ; ( ii ) certifies each purpose for which the report ( or information ) will be used ; and ( iii ) certifies that the report ( or information ) will be used for no other purpose ; and ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph ( A ).
( 3 ) Resale of consumer report to a Federal agency or department Notwithstanding paragraph ( 1 ) or ( 2 ), a person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall not disclose the identity of the end-user of the report under paragraph ( 1 ) or ( 2 ) if ( A ) the end user is an agency or department of the United States Government which procures the report from the person for purposes of determining the eligibility of the consumer concerned to receive access or continued access to classified information ( as defined in section 1681b ( b ) ( 4 ) ( E ) ( i ) [ 1 ] of this title ) ; and ( B ) the agency or department certifies in writing to the person reselling the report that nondisclosure is necessary to protect classified information or the safety of persons employed by or contracting with, or undergoing investigation for work or contracting with the agency or department.
15 U.S. Code 1692g - Validation of debts U.S. Code Notes prev | next ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).
( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.
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| 02/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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On XX/XX/XXXX, I made a purchase with my BARCLAYS credit card from a merchant, named XXXX XXXX for an amount of {$1800.00}. The purchase was for international air travel, with a travel date of XX/XX/XXXX. I was unable to board my flight on XX/XX/XXXX, due to the negligence and/or breach of contract of XXXX XXXX. On XX/XX/XXXX, I contacted XXXX XXXX, but they were non-responsive to my requests for a refund. On XX/XX/XXXX, I sought reimbursement for my missed flight through travel insurance protection that I purchased in addition to the purchase of the airline tickets. However, on XX/XX/XXXX, the travel insurance company, XXXX, denied my claim and stated that the insurance policy I purchased did not cover negligence and/or breach of contract by the merchant XXXX XXXX. Some time in XX/XX/XXXX, I contact BARCLAYS via telephone I disputed the transaction with BARCLAYS, and a provisional credit was issued for the full amount of {$1800.00}. I was given a Case Number XXXX. I confirmed on that telephone call I had documentation to support my dispute, and the representative on the phone stated that if XXXX XXXX did not agree with my dispute BARCLAYS would contact me to provide documentation for review before the investigation by BARCLAYS was completed. On XX/XX/XXXX, I received written confirmation from BARCLAYS that XXXX XXXX was notified of my dispute. On XX/XX/XXXX, I happened to log-in to my BARCLAYS online account and saw that the provisional credit for the disputed {$1800.00} charge was reversed. However, I never received any written notification of the reversal, or a request for additional documentation from BARCLAYS prior to that date. I immediately called BARCLAYS on XX/XX/XXXX, and was told by a representative named " XXXX, '' that the investigation under Case Number XXXX was closed because XXXX XXXX provided fraudulent information that claimed I voluntarily missed my flight and provided a copy of its cancellation and refund terms for voluntary missed flights in response to the BARCLAYS investigation. I advised " XXXX '' that BARCLAYS never contacted me during the investigation so I could provide documentation proving I did not voluntarily miss my flight, and I requested that BARCLAYS re-open the investigation immediately. " XXXX '' explained that in order for BARCLAYS to re-open the investigation I must draft and send the request in writing. " XXXX '' explained that in the meantime BARCLAYS could not re-issue the provisional credit, but that any interest on the charge would not accrue while it was still disputed after the investigation was re-opened. Finally, " XXXX '' stated that if I pursued legal action against XXXX XXXX and was successful, BARCLAYS would reverse the disputed charge at that time. On XX/XX/XXXX, I drafted a letter wherein I requested that BARCLAYS re-open the investigation for the disputed {$1800.00} charge, and outlined how I made multiple attempts to correct the charge with XXXX XXXX, but that XXXX XXXXXXXX was non-responsive. Additionally, I outlined that under my written credit card agreement with BARCLAYS, I was well within my rights to have the disputed charge removed as I fulfilled all three necessary criteria listed in the BARCLAYS agreement : ( 1 ) The purchase was made in my home state of California via an internet transaction ; ( 2 ) I used my BARCLAYS credit card for the purchase ; and ( 3 ) I have not yet fully paid for the purchase. Finally, I included with my letter several documents, which disputed XXXX XXXX ' claim that I voluntarily missed the international flight on XX/XX/XXXX. On XX/XX/XXXX, I filed a lawsuit against XXXX XXXX for the full amount of the disputed charge of {$1800.00}, plus additional damages. I waited to hear back from BARCLAYS, but I never did. On XX/XX/XXXX, a trial was held in XXXX XXXX County Superior Court, and the Court ruled in my favor for the full amount requested, including court costs, for a total judgment of {$2600.00} entered against XXXX XXXX, which included the disputed charge amount. On XX/XX/XXXX, I still had not heard back from BARCLAYS, but I noticed that the disputed charge was not reversed, and I was still being charged interest on the disputed charge on my billing statement, so I called BARCLAYS on the telephone. The representative stated there was nothing she could do over the phone regarding the interest still being charged, that the investigation was closed, and that I would need to draft a request in writing to have the investigation re-opened. I explained I already had done that, and was waiting to hear back from BARCLAYS regarding the status of the re-opening of the original investigation. The representative simply repeated that I must submit my request to re-open the investigation in writing. I advised the representative that I had successfully sued XXXX XXXX for the disputed charge. The representative told me that so long as I could provide a copy of the Court 's judgment included with my written request to re-open the investigation, then BARCLAYS would finally reverse the disputed charge and credit my account for any previously paid interest associated with the disputed charge. The representative gave me a new Reference Number XXXX regarding my request. That same day on XX/XX/XXXX, I drafted a letter requesting that BARCLAYS re-open the investigation, reverse the disputed charge and any interest charges, and I included a Conformed ( " Official '' ) copy of the Court 's Minute Order from the Trial, as well as additional supporting documentation.
On XX/XX/XXXX, BARCLAYS reported that they could not reverse the XXXX XXXX charge because they received terms and conditions of purchase from XXXX XXXX that stated " Once purchased, tickets are completely nonrefundable & nontransferable. Any changes and amendments to the reservation are subjected to respective Airline rules and restrictions. '' What BARCLAYS failed to address is that term only applied to VOLUNTARY missed flights, not INVOLUNTARY missed flights. On two separate occasions I was told by BARCLAYS representatives that if I took legal action against XXXX XXXX and was successful BARCLAYS would then reverse the charge and/or issue me a credit to my BARCLAYS account. Again, any length of time that passed regarding reopening my dispute was due to BARCLAYS prematurely closing the dispute and/or not conducting a thorough investigation, and MR. XXXX has provided conflicting information regarding the Court 's findings in my favor against XXXX XXXX, now claiming this legal result has no bearing on BARCLAYS issuing a credit to my account.
XXXX XXXX is a company that committed fraud by providing false information to BARCLAYS during the initial investigation. I am a loyal customer of BARCLAYS and expected BARCLAYS to protect me against the fraudulent actions of a company like XXXX XXXX. XXXX XXXX lied to me personally, was negligent and broke the " terms and conditions of purchase '' themselves, and then lost in court when I sued them. Because XXXX XXXX is not a registered business in the two states it claims to operate ( TEXAS & NEW YORK ), I can not locate any of their company accounts to attach and/or garnish the judgment amount from my legal judgment. The only avenue I have to be reimbursed for the original purchase price of {$1800.00} is through disputing the illegal charge through BARCLAYS. This does not account for the additional damages I was awarded by the Court, I am only seeking to have BARCLAYS reverse and/or credit the illegal charge. BARCLAYS refusal to protect a loyal customer against a corrupt company like XXXX XXXX is something I do not understand. Furthermore, in all its communications with me, BARCLAYS has never cited to any state or federal law to support its conclusions, nor to any term contained within the customer agreement I have with BARCLAYS. Given that BARCLAYS has not provided ANY legal support to the conclusions it has reached, I can not understand its response to my complaint.
BARCLAYS representatives have told me on two separate occasions that if I took legal action against XXXX XXXX and was successful, then BARCLAYS would reverse the charge and/or issue a credit to my account. Now, after filing a complaint with CFPB, BARCLAYS is claiming the Court judgment against XXXX XXXX has no bearing on whether BARCLAYS will reverse the illegal charge and/or issue a credit to my account. I suppose that now after successfully taking legal action against XXXX XXXX I will be forced to take legal action against BARCLAYS. This is unfortunate, as it is a waste of my time, and not the way to treat a customer.
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| 12/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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The Credit Card Company issued this card was : BARCLAYS BANK through their agreement with XXXX XXXX.
On XX/XX/XXXX, I received a letter from BARCLAYS BANK telling me that they had permanently closed my VISA Card as a decision was made internally that I was " too risky of a customer to have an Active Line of Credit ''.
In spite of the fact that I would make monthly payments to this very card, sometimes up to three-times a month, of $ 700+ on top of the minimum payment required. The entire situation happened after I withdrew cash from an ATM, as allowed by BARCLAYS BANK, to cover an emergency expense at the time.
BARCLAYS could not articulate to me the reason why they were charging me, several times, APR interest on purchases and money retrieved from ATMs. The last person I talked to explained that BARCLAYS calculated my interest for the Month at the end of the cicle ( when my Statement closed for the Month ), however, as I shown to this lady, well after getting my interest added in my Account I would continue to get hit with more interest charges which put my balance well-above the 'Credit Limit '.
BARCLAYS accused me of being an irresponsible customers for allowing my Balance to go 'above the limit ' for several months in a row. I showed them, to no success, that the charges caused this anomaly were the strange APR Interest calculations added to my Account, sometimes up to 4 times during the same Month. At the time of their letter and closure I wasn't purchasing anything with the card attempting to lower such Balance, however for every {$700.00} I would inject into my Balance as payment ; BARCLAYS BANK would then apply 2-4 " APR Interest Charges '' which were labelled on my Statement as " Administrative Charges ''. Nobody ever helped me understand this and I ultimately paid the price which severely impacted my 'Credit Report/Score '.
There are 2 elements which are disturbing about this particular experience : 1. BARCLAYS BANK would " delete '' items from my Monthly Statement, like those numerous 'Administrative Charges ' kept on being added to my already-above-limit Balance. However, their manipulation of data would not be reflected on my smartphone Official App where I could still see how BARCLAYS BANK ( after the Month cycle had closed and APR was added to my Statement ), they would continue to charge me with {$250.00} over and over again. At this time, the Card was not being used by me as I was only paying my Monthly which, every time for one day, would reflect I was well below my Credit Limit only to return back to 'Above Limit ' shortly after.
BARCLAYS BANK argued with me that the APR charges for taking money out of ATMs was calculated differently and each of the {$250.00} I saw were related to the ONE-TIME I took money ( {$600.00} ) out through an ATM. I disputed this explanation suspecting fraud and was never contacted again by anyone at Corporate.
2. The very month my Credit Card was closed by BARCLAYS BANK a bizarre situation happened where I had scheduled a {$800.00} payment through the App, confirmed it on the website was reflected for the month of XXXX plus paying another {$380.00} was the minimum due at the time.
I had checked my Bank Account and I had more than enough money in my Checking Account to cover such payments. The day it was supposed to be processed, BARCLAYS BANK blocked my Bank 's Transaction ( money was deducted from my Checking Account as it was greyed out as 'Pending ' ). This block continued for 48 Hours until XXXX XXXX, when I called my Customer Service Department, told me that BARCLAYS had denied the transaction and the money was supposed to return back.
During this 48 Hours period where BARCLAYS BANK told me to wait, as it could have been just a minor glitch from their system, someone decided to close my Account Permanently. Not happy with that, they kept the money was supposed to be my Monthly Payment and added it to the 'owed Balance for my closed Account '. Later on, to my surprise, I read on the letter the reason for closure had to do with my over the limit balance and inability to make a payment on-time for that very Month.
Ever since this disturbing experience I have suspected a foul move by BARCLAYS BANK which impacted me as a consumer. Ever since I got this Credit Line, I would always make on-time payments where the minimum was {$700.00}. In fact, during my vacation in XXXX XXXX on XX/XX/XXXX, I paid BARCLAYS BANK up to {$2500.00} as " Payments '' to cover all my shopping and expenses at the time. I was never a delinquent customer, nor someone struggled to make the minimum payment to them.
On XX/XX/XXXX ( months after this situation ) I received a letter letting me know I was part of a CIVIL ACTION LAWSUIT against BARCLAYS BANK, especially related to my VISA Card approved through XXXX XXXX XXXX. On this letter, I was informed that BARCLAYS BANK had violated my rights under the 'Fair Credit Act ' by enacting actions ultimately were aimed at protecting the Bank itself while hurting my Credit Score.
Ever since this letter, I have been making my payments to BARCLAYS BANK every single month without miss as I setup the 'Automated Payment Option '. On top of that, I have made additional payments to reduce the Balance on the Credit they gave me which, up until XX/XX/XXXX continued to show ( through my Statements ) activity by BARCLAYS BANK attempting to charge me more 'Administrative Fees '. These were essentially rendering my Monthly payments on a 'Closed Account ' NULL as they would eat the money with these fees. In fact, I confronted BARCLAYS on XXXX, XXXX as I did not understand why they were charging me with 'Interest on Purchases ' on an Account had been closed since XXXX. Furthermore, I showed evidence of the many charges applied by BARCLAYS to my Account which forced my Balance to remain 'Above Credit Limit '. Once again, I was promised somebody would call me ( at the Director Level ) to discuss this discrepancies. Nobody ever called. After this phone call, the strange charges disappeared and my Statements, today, reflect a 'Closed Account ' where the customer ( Myself ) is paying every month well-above the 'Minimum Due '.
I feel BARCLAYS BANK abused of me as a customer and even with a CIVIL ACTION LAWSUIT in place, they continued to rob me of my money utilizing " made-up '' policies and fees should not, in reality, have happened in the first place.
I would like for the Consumer Financial Protection Bureau to assist me in investigating this scheme resulted in my Credit Score being severely damaged as I firmly believe BARCLAYS BANK had no grounds to do all they did to me.
In addition, as a resolution to this matter ( now my Account is well-below my Credit Limit ) I would like BARCLAYS BANK to reconsider and re-open my Account.
I should have never lost my VISA Credit Card as I was an exemplary customer paid more than four-times his 'minimum due ' each Month, on time. Even more, on XX/XX/XXXX I brought my Balance to XXXX. All this is recorded in my History with the VISA Credit Card Number they issued to me, in no way ( in my personal, humble opinion ) I ever demonstrated the level of deliquency/irresponsibility BARCLAYS BANK claimed as the prime reason for their decision to permanently closed my Account.
I'm writing to you because BARCLAYS BANK is now throwing me in 'limbo ' as no agent from their Customer Service Department can help me as my Account, according to them, can not be accessed through their system. Therefore, as they have shown me I'm at the mercy of more irregularities, fraud and unfair practices masked by an alleged system where I, no longer, appear as a 'Customer of the Bank '.
You have my full authorization ( XXXX XXXX XXXX XXXX on XX/XX/XXXX ) to contact BARCLAYS BANK with these facts and my proposed resolution, especially after they were sued for violating the 'Fair Credit Act ' Guidelines.
My Account Number with BARCLAYS is : XXXX XXXX XXXX XXXX My Credit Line is at : {$8900.00} ( I started with {$2000.00} and BARCLAYS BANK rewarded me with increases due to my 'Payment History ' ).
My APR is at : 24.99 % and cash-advance APR is at : 27.24 % I hope you can help me with this problem has caused me a great deal of stress since that XXXX in XXXX when BARCLAYS BANK decided, unilaterally, to close my Account in spite of the fact I was in perfect standing with them ( Payment History ).
Sincerely yours, XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX
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| 06/03/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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STATEMENT OF FACTS On XX/XX/XXXX , I was driving a vehicle rented from XXXX XXXX XXXX . of XXXX XXXX ( XXXX ), in XXXX , D.C. At approximately XXXX XXXX I stopped the car in front of the XXXX XXXX XXXX and XXXX at XXXX XXXX XXXX XXXX ( XXXX ) to try to find a parking space to attend a lecture. I got out of the vehicle to read the parking sign to determine if parking was permitted in that location. Many vehicles were parked on the street and the signage was confusing. As it turned out, I quickly found a parking enforcement officer and specifically asked him if parking was permitted during that time. He informed me that it was not, that he was in the process of issuing tickets, and that I needed to move the car. I thanked him and proceeded to move the car to the XXXX parking garage. On XX/XX/XXXX , my Barclaycard credit card statement shows a charge for {$23.00} for the XXXX Parking Garage at the time in question. At no time did the officer issue a ticket to me either by serving it to me in person while I was standing there speaking to him or by placing a ticket on the vehicle. In fact, the officer never indicated that any ticket would be issued to me.
The first indication that there was any issue was a letter from XXXX dated XX/XX/XXXX , and received on XX/XX/XXXX , indicating that I was being charged {$210.00} on my Barclaycard for an alleged parking ticket during the period of my rental and an administrative fee ( they later waived the {$10.00} administrative fee ). At no time prior to this letter did XXXX contact me to determine the facts and circumstances surrounding this alleged ticket to determine its validity. Instead, it elected to proceed on its own and pay the fee to the District of Columbia ( D.C. ) without determining whether it was a legal charge. In doing so, it cut off my rights to challenge the ticket, a challenge that would have been successful.
I immediately contacted XXXX on XX/XX/XXXX to notify them that the charge was invalid. A long and unfruitful correspondence began in which I explained to them why the charge was invalid, how XXXX could rectify the issue, and offered to assist them in doing so. XXXX was not only unwilling to consider resolution but offered misleading recommendations that it knew or should have known were unavailable. That correspondence is available if necessary.
At no time has XXXX or the District of Columbia provided a copy of the actual ticket purportedly issued, because no ticket was issued. Only copies of electronically generated facsimiles or electronic records have been provided.
Despite being provided all of this information, Barclaycard refuses to remove the charge from my account and has not responded to my explanation as to why the charge is illegal.
ARGUMENT XXXX claims to rely on the contracts term that the renter is responsible for legal violations, parking incurred during the rental. For a charge to be valid, therefore, it must be legal. That is not the case here. A renter is not responsible for an invalid charge. For example, if D.C. had issued a proper {$100.00} ticket and mistakenly charged {$1000.00} and XXXX paid it, the renter could not be charged {$1000.00} for the error on the part of D.C. and XXXX . Likewise, here, both D.C. and XXXX are in error, and therefore the charge is not legal.
As stated above, no ticket was provided to me in person or placed on the vehicle. The Code of the District of Columbia Section 50-2303.03 ( c ) states : Except as provided in subsection ( c-1 ) of this section [ which is inapplicable here ], a notice of infraction shall be served personally upon the operator of the vehicle who is present at the time of service or by affixing the notice to the vehicle in a conspicuous place.
Section 50-2303.03 ( c ) provides the legal method of service. A ticket is invalid if not legally served. Legal service of process was never accomplished here, rendering the ticket invalid. Indeed, the parking enforcement officer had every opportunity to serve the ticket because I was speaking to him directly, and he chose not to do so. Instead, he warned me to move the vehicle indicating that otherwise it would be ticketed. Barclaycards records indicate that is exactly what I did by moving it to the XXXX parking garage. It is possible that the parking enforcement officer had been prepared to issue the ticket and perhaps had the information in his system. We will never know because XXXX cut off all rights to contest the record. Instead, what is beyond dispute is that he chose not to issue and serve it in accordance with Section 50-2303.03 ( c ).
Had XXXX contacted me instead of paying the alleged ticket when it first learned about it on XX/XX/XXXX , I could have provided the above information to them enabling them, me, or both, to contest it and get it dismissed because D.C. was in error in sending the notice. XXXX chose another route. Without contacting me, in error it elected to presume that the charge was legal. XXXX error of presuming a charge to be legal does not magically make it so. XXXX has been offered a copy of the charge of the use of the XXXX parking garage and a sworn affidavit of the events that transpired as evidence that no ticket was issued ( or if one was physically issued it was never legally served ).
In addition, even though I was not obligated to do so, I offered to assist XXXX in its filing of a Motion to Vacate with the District of Columbia to get its funds back that it paid in error. XXXX did not take me up on this offer.
On a disturbing note, in my correspondence with XXXX it recommended to me on three occasions that I should contest the issue directly with the District of Columbia. XXXX knew or should have known, however, that by paying the alleged ticket without notifying me it was cutting off my rights to contest the issue with D.C. XXXX has entered into arrangements with localities to automatically pay tickets and, as the legal owner of the vehicle, knows that it is waiving any right the Renter might have to contest the ticket. The District of Columbia acknowledges this fact on their website : " Note : If you are issued a ticket while driving a rental car, rental car agreements provide that a rental party is responsible for all tickets issued to the rental vehicle during the rental period. DC XXXX has discovered that some rental car companies will automatically pay any ticket ( s ) incurred on vehicles and charge the customer the ticket fine plus administrative fees. They will not provide you with the opportunity to adjudicate the tickets, as the adjudication process ends once a ticket is paid even if it going through the adjudication process. As the legal owner of the vehicle, rental car companies are within their rights to use this process. '' XXXX XXXX XXXX ( emphasis in original ).
In this case, of course, the ticket was not even issued. The fact that XXXX would repeatedly attempt to divert me to a process that it knew was futile is disturbing. Furthermore, and importantly, this demonstrates that XXXX took onto itself the risk that the charge was not legal, as is the case here, and that it could not recover from the Renter the fees it mistakenly paid.
Because there was no legal charge, Barclaycard is precluded from continuing to attempt to collect the funds from me.
CONCLUSION Because no parking ticket was issued to me by the District of Columbia ( or, if a ticket was issued it was not legally served pursuant to D.C. law ) there is no legal charge under the contract with XXXX . Rather, XXXX by its own decisions acted in a way that amounted to an admission without information resulting in a cutting off of both its and my rights to contest the invalid charge from the District of Columbia. XXXX can not escape liability for its mistakes by attempting to pass them off to the Renter under a provision of the contract, because that provision does not apply to charges that are not legal. Because the charge is not legal, Barclaycard is not permitted to attempt to collect it. Furthermore, Barclaycard was immediately notified of this dispute when the charge appeared on the card, and was subsequently provided all of the information detailed above.
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| 10/09/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened without my consent or knowledge
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Web |
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I went to a XXXX by Wyndham timeshare presentation on XX/XX/XXXX. I attended the presentation with my fiance XXXX XXXX. The presentation was held in XXXX XXXX, California at the XXXX at the XXXX on XXXX XXXX. Our presentation was at XXXX pm, however we arrived early ( approximately XXXX pm ). The desk/check in agent was named XXXX. He said he would have us meet XXXX, who was finishing up the last presentation. XXXX said that we would just meet with XXXX, and XXXX informed us we would not be attending the group presentation, since we were there so early and he did not want us to wait too long.
XXXX sat down with us some time between XXXX minuets after XXXX. He asked us several questions about how we travel and what our travel goals were. He explained the benefits and perks of the timeshare program. XXXX of which was a Wyndham Rewards Credit Card. Both XXXX and I stated that we were not interested in a credit card each time it was mentioned.
XXXX then offered XXXX several point rates. We said we were not interested in those packages and they were out of the range that we could spend. He asked us to fill out a credit check application to see what other options we would have. This was completed on XXXX ' XXXX. He offered us a version with lower points and an mentioned the ability to finance a down payment.
Following that conversation, XXXX said that our credit came back very good and he would be able to get us completely financed. He said that I needed to verify our eligibility for a loan. ( he always said loan while talking about this part, never credit card ). He sent a link to my phone number ( he had entered it wrong the first time ) and a text arrived at XXXX pm. The text read : " Hello, XXXX Thank you for considering Citizens Pay to finance you XXXX XXXX XXXX XXXX
Please click the link below to check your eligibility for a XXXX XXXX XXXX of XXXX to finance your club XXXX XXXX XXXX
*Website here* Thank you, XXXX XXXX " I clicked the link on my phone and filled out a form with similar information to the credit check. As I completed that form I got a verification code texted from XXXX XXXX and put that in the form.
After completing the form a few moments went by while it verified eligibility. There was a note at the bottom of XXXX of the screens that said this check would not effect my credit history ( paraphrasing here as I can not recall the exact verbiage ).
At no point did anyone mention that it would or could be be used for a credit card.
The website stated that I was eligible. Then it showed a loan amount with a slider below it. Under the slider were numbers that showed interest rate ( 22 % ), monthly payment, total cost of loan, total cost in interest and other information provided when you sign up for a loan. There was a large continue button at the bottom. I did not press this button. I closed the website on my phone.
XXXX and I decided that we did not want to pursue this option, mostly due to the interest rate and the total payments would have been around {$250.00} XXXX and we felt that was too high.
XXXX had stepped away and when he returned we told him that we decided to decline. XXXX said not to worry, he would get the decline paperwork. He returned with at second person, whose name we can not recall. He had a dark beard and spikey dark hair he was approx. XXXX feet XXXX inches and slender. He brought another lower offer for around $ XXXX and very very rapidly talked about using a the XXXX credit card and the Vacation SideKick programs ( this was a discount program that was part of the perks of the timeshare ) to offset the costs of financing the XXXX program. He mentioned the credit card several times. Each time he brought it up, XXXX and I both said that we did not want a credit card. After he finished his very rapid pitch, I said that was far to complicated and we do not want anything to do with a credit card. He said ok and thanked us for his time and left. XXXX also thanked us for his time and said he was going to go. Another person was going to do an exit survey and then get us our vacation gift for attending the presentation.
Another gentleman with reddish brown hair, who was about XXXX foot XXXX inches came to the table with a survey. We can not recall his name. He asked us a few questions. He then offered us a temporary membership that included XXXX points, Vacation SideKick that expired in XXXX years. This cost {$2000.00} and would lock in the rates for XXXX years. XXXX and I decided this was worth using this as a XXXX XXXX and traveling. We said yes and I paid with my credit card.
He said that he was able to use the information in the system from when we input it into XXXX ' XXXX. He sent some documents to sign via XXXX, which arrived at my personal email at XXXX pm. They were sent by XXXX XXXX, who we did not meet. I read and completed the forms. I specifically made sure that I was not signing up for any loans, credit cards or anything with a recurring cost. The forms said that there was no interest rate and no further money required. I completed the forms at XXXX pm. I received an email from XXXX that they had been completed at XXXX pm.
While I completed the forms, he got us the information for our gift vacation. We completed the conversation and he showed us to a window where XXXX was sitting at a desk. He asked us a few questions about the presentation and our plan. I am not sure what time we spoke with him, but I think that it was approximately XXXX pm. I think I got the email from XXXX at this time.
At no point did I approve a credit card, was asked to apply for a credit card or was shown terms of service for a credit card.
When XXXX and I got home a few hours later ( around XXXX pm ), I noticed that I had gotten an email at XXXX pm from XXXX XXXX XXXX XXXX that said : " Hi XXXX, Welcome to your new XXXX XXXX XXXX XXXX account.
Your new card should arrive by mail in a plain white envelope in approximately 710 days. Along with your card, youll receive details about your new account and instructions for activating your card.
With your card in hand, youll also be able to set up online access to manage your account at XXXX a convenient way to view your account activity, make payments and more.
Look for more information from us about our services, plus additional tips to help you make the most of your new account.
Thanks for choosing the XXXX XXXX XXXX XXXX.
This email is intended for : XXXX XXXX and sent to XXXX for account ending in XXXX You have received this email because you have been approved by XXXX XXXX XXXX XXXX.
Privacy Policy Please Do Not Reply to this Email This is a notification-only email that can not accept incoming replies. To send us an email, simply log in to XXXX and click contact us to send your message securely.
XXXX XXXX and XXXX XXXX XXXX are a registered trademark used under license.
The XXXX Rewards Earner Card is issued by Barclays Bank Delaware, pursuant to a license by XXXX XXXX XXXX Visa and Visa XXXX XXXX registered trademarks and used under license from XXXX XXXX XXXX XXXX
XXXX Barclays Bank Delaware, XXXX box XXXX, XXXX, DE XXXX, XXXX FDIC. '' None of the documents that I signed included information about this card or anything from XXXX.
On XX/XX/XXXX at XXXX am I called XXXX customer service line. I used the last XXXX of my social security number to access account information ( I also do not have a card yet, so I do not have the complete account number ), but had an issue because my phone number did not match any account. I was eventually able to proceed to the menu where the system stated that I had a {$2000.00} limit and no balance due.
I finally talked to a representative. I had to explain the situation 4 times to the representative who kept asking what company charged my card. The representative had an XXXX accent and said her name was XXXX. I stated that I wanted to close the account and have it removed from my credit history because I did not authorize the account and I did not want it. She finally stated that she would close the account and remove it from my credit history. She verified my information and said that Accounts XXXX XXXX contact me in the future.
XXXX acted well here, but the issue is that XXXX Wyndham used my information and applied for a credit card without my knowledge, consent or permission.
|
| 03/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
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Week of XX/XX/XXXX to XX/XX/XXXX : Discovered fraudulent charges of {$990.00} from XXXX Bank in XXXX NY XXXX made on XX/XX/XXXX and {$49.00} Cash Advance Fee made on XX/XX/XXXX on my JetBlue Mastercard credit card account. Called customer service ( XXXX ) to report the fraud, and was assured that an investigation would be made. My JetBlue Mastercard credit card was still in my possession when the fraudulent charges occurred. I do not have an account with XXXX Bank, nor did I never have XXXX, and have never stepped into any XXXX Bank location to withdraw money.
XX/XX/XXXX : Called customer service ( XXXX ) again as the fraudulent {$990.00} and {$49.00} charges ( totaling {$1000.00} ) were still on my JetBlue Mastercard credit card account. Per customer service, a fraud claim was not started from my previous phone call, so I asked again for a fraud investigation during this phone call.
XX/XX/XXXX : The fraudulent charges of {$990.00} and {$49.00} ( totaling {$1000.00} ) are reversed, and no longer appeared on my JetBlue Mastercard credit card account. During this time, I received 2 new JetBlue Mastercard credit cards in the mail - one ending in XXXX ( like my current card at the time ), and a newer one ending in XXXX ( new account number ). I destroyed the 2 physical JetBlue Mastercard credit cards ending in XXXX ( as instructed per customer service representative ), and activated the new card ending in XXXX. I also received a notice in the mail that an investigation by Barclays JetBlue Mastercard will be made for my fraud claim.
XX/XX/XXXX : Noticed the fraudulent charge of {$990.00} from XXXX Bank in XXXX NY XXXX made on XX/XX/XXXX reappearing on my JetBlue Mastercard credit card account, reposted on XX/XX/XXXX. No notification of the investigation claim denial was given to me by mail, email, or phone. Called customer service ( XXXX ) for clarification, and was told that my fraud claim was rejected. Was given the contact number to the fraud investigation department and was told that I could not call them today ( XX/XX/XXXX ), as it was a Sunday, and the department was only open on weekdays ( XXXX ). Locked my Jetblue Mastercard credit card account.
XX/XX/XXXX : Called the Barclays JetBlue Mastercard fraud investigation department ( XXXX ), and was told that my fraud claim was rejected because the merchant ( XXXX Bank ) had authorized the transaction. Was told by the Barclays JetBlue Mastercard fraud investigation department representative that I had to call the merchant ( XXXX Bank ) and resolve the fraudulent charge with them. Attempted to call the XXXX Bank in XXXX NY ( XXXX ) multiple times, with messages going straight to voicemail. Called XXXX Bank customer service ( XXXX ), and was told that I could not be helped due to my not having an account with their bank. When asked if there was a specific time on XX/XX/XXXX when the fraudulent transaction occurred, the representative told me that she has no way of finding that out. When I asked if there is any video footage of the suspect making the transaction using my JetBlue Mastercard account information at the XXXX Bank in XXXX NY on XX/XX/XXXX, the representative again told me that she could not help me with this matter. I subsequently called the Barclays JetBlue Mastercard Investigation Appeal department ( XXXX ) to explain my situation - how I was not given an explanation by the Barclays JetBlue Mastercard fraud investigation department on why my fraud claim was denied, how calling the merchant ( XXXX Bank ) did not provide any information ( they in fact knew less about this fraudulent transaction than I did )- and requested an appeal. The Barclays Investigation Appeal department denied my appeal during this phone call without providing me with any clear reasons as to why. These phone calls occurred during the afternoon of Monday, XX/XX/XXXX. I went to my local police department station ( XXXX XXXX XXXX ) that evening to file a police report for credit card fraud. Was told by an officer that I would need to present recent credit card statements, as well as a signed affidavit. I prepared these documents after returning home that night.
XX/XX/XXXX : Returned to my local police department station ( XXXX XXXX XXXX ) after work that evening with the aforementioned documents to file a police report for credit card fraud. XXXX Report # : XXXX ( documents attached below ).
XX/XX/XXXX : Faxed the signed Barclays Bank Affidavit of Fraud Claimant and NYPD police report ( # XXXX ) to the Barclays JetBlue Mastercard fraud investigation department ( fax # XXXX ).
The fraudulent charge of {$990.00} on my JetBlue Mastercard credit card account from XXXX Bank in XXXX NY XXXX was made against me by Barclays JetBlue Mastercard on XX/XX/XXXX. I do not have any accounts with XXXX Bank, nor did I ever have any accounts with XXXX Bank. In addition, I have never stepped into any XXXX Bank location to withdraw money. On Saturday, XX/XX/XXXX, I was working in a hospital in XXXX XXXX XXXX NY XXXX, a 12-hour day shift from XXXX to XXXX. Despite being a loyal customer of Barclays JetBlue Mastercard for the past 5 years with no previous issues, I have been consistently treated unfairly over the past 3-4 months. My first call with JetBlue Mastercard customer service ( XXXX ) to report the fraud did not result in any fraud investigation being started, potentially wasting valuable time. It was not until I called JetBlue Mastercard customer service again nearly 2 weeks later to ask about why the fraudulent charges were still on my account did any investigation effort begin. When the fraud investigation concluded and ended in my claim denial, I was not given any notification - whether by mail, email, or phone. When I called the Barclays JetBlue Mastercard fraud investigation department ( XXXX ) to ask for details regarding why my fraud claim was denied, I was not given any specific answers other than what was already stated on my credit card account - that the fraudulent transaction occurred in a XXXX Bank in XXXX NY XXXX on XX/XX/XXXX. The Barclays JetBlue Mastercard investigation department representative did not even provide me with a specific time on XX/XX/XXXX when the fraudulent transaction at XXXX Bank occurred. When I tried to explain to him the stress I have been going through over this fraudulent charge, the Barclays JetBlue Mastercard investigation department representative simply laughed and said " yeah, it's a lot of money. '' The representative ( named XXXX XXXX told me that I was responsible for resolving this issue myself with the merchant, namely XXXX Bank, without providing any specifics on the next steps. After my unsuccessful phone call with the XXXX Bank customer service representative, I called the Barclays JetBlue Mastercard Investigation Appeal department ( XXXX ) in the hopes of finding any additional information as to why my fraud claim was denied. Again, I was not given any specific answers other than what was already stated on my credit card account - that the fraudulent transaction occurred in a XXXX Bank in XXXX NY XXXX on XX/XX/XXXX - and again, no specific time on XX/XX/XXXX when the fraudulent transaction at XXXX Bank occurred was provided to me. The Barclays JetBlue Mastercard Investigation Appeal department representative was unsympathetic to my case, and rejected my request for an appeal during the phone call, as she told me that the investigation has concluded, and that there was nothing left to investigate. I am submitting this complaint to the CFPB because I believe that I have been treated unjustly throughout this entire process. I did not receive any warnings or notifications about the outcome of my fraud investigation request, and neither the Barclays JetBlue Mastercard Fraud Investigation department nor the Barclays JetBlue Mastercard Investigation Appeal department provided me with additional details as to why my fraud claim was denied. I was not even given a chance to appeal the decision, despite the lack of notifications or explanations for the fraud claim denial by Barclays JetBlue Mastercard.
|
| 05/24/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
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|
Web |
Older American |
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My name is XXXX XXXX and I am submitting this report on behalf of XXXX XXXX, a XXXX XXXX. I have helped over 50 families file a complaint over what they describe as predatory use of the XXXX at XXXX XXXX as well as claims of unauthorized use of the XXXX to buy vacation points as well as deceptive and " bait and switch '' tactics are apparent in every complaint. Please do not forward this to XXXX XXXX because I am told the CFPB will not investigate timeshare as the XXXX investigation has been dropped and the complaints against XXXX are about the same tactics XXXX employs based on the testimonies I have taken. There could be retaliation against me. I do not feel safe. It is alright to publish as I doubt XXXX will read it. Sources tell the the CFPB has been rendered ineffective, at least for timeshare as I believe the CFPB dropped their investigation of XXXX XXXX. Now I direct victims to the FBI filing under Financial Institution Fraud. I called the CFPB for verification directed to a New York office, but the person I called would not return my calls. My cell is XXXX EST if someone could please call me to let me know why victims should continue to file with the CFPB. The many I sent CFPB, including me, have only received an emailed acknowledgment. This is a list of the victims I have helped, just those willing to go on record followed by XXXX 's report. There are over 50 total. XXXX and XXXX are particularly tragic. XXXX 's loan was cancelled only after I sent a draft article. XXXX was denied. I am a former XXXX XXXX. I prepare reports in the manner I learned writing court reports for XXXX XXXX on behalf of XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX XXXX Chapter 1 XXXX XXXX XXXXXXXX XXXX and Member stories XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX Barclays Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX A XXXX Family XX/XX/XXXX XXXX : XXXX How to File a Complaint XX/XX/XXXX CFPB Deleted XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Clarity Review XXXX XXXX XXXXXXXX HOA Collections XX/XX/XXXX XXXX XXXX XXXX A Military Family XX/XX/XXXX XXXX : XXXX AZ XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Member Sponsored Advocacy Group XX/XX/XXXX XXXX : XXXX XXXX XXXX for Timeshares Soul XX/XX/XXXX XXXX : XXXX XXXX XXXX Lawsuit XX/XX/XXXX http : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX {$20.00} XXXX Whistleblower Jury Award XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX The Peasant of XXXX and the Queen of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX and the Barclay Card XX/XX/XXXX XXXX XXXX XXXX Real Estate Is it or Isnt It? XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX 2Q Results XX/XX/XXXX XXXX : XXXX XXXX and XXXX XX/XX/XXXX XXXX XXXX XXXX Latticework XX/XX/XXXX XXXX XXXX XXXX XXXX Buys XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Member number XXXX Contract number XXXX Arizona XXXX XXXX US Collection points purchased XX/XX/XXXX at XXXX XXXX XXXX XXXX Total purchase price {$29000.00} Amount financed {$24000.00} Current balance {$20000.00} Interest rate 15.99 % XXXX down payment {$4500.00} Maintenance fees {$1600.00} XXXX paid in full purchased in XXXX, Arizona XX/XX/XXXX XXXX said she is a silver member, but she must be temporary Silver because Silver is XXXX Agent was XXXX XXXX Agent sales number XXXX XX/XX/XXXX TO : XXXX XXXX Advocacy XXXX for violating XXXX Code of Ethics XXXX XXXX at XXXX BCC to XXXX XXXX XXXX XXXXXXXX XXXX XXXX is asking for a loan cancellation and full refund for her XXXX point purchase due to deceit, concealment, violation of trust and bait and switch defined as White Collar Crime by the FBI. The agent said that if I submitted 3 referrals per year then that would waive my maintenance/annual fees. There are many other misrepresentation listed below. Due to automatic denials based on misrepresentations, I have advised XXXX to file a complaint with the BBB, FBI at IC3.gov and XXXX for violating XXXX Code of Ethics one week from the date of this submission and then the FTC, NV AG and AZ AG as well as with the Nevada State Real Estate Division against sales agent XXXX XXXX . Thank you for your consideration. XXXX XXXX In XXXX words : Last year we went to XXXX and stayed at XXXX XXXX. The sales agent said the timeshare would be tax deductible like mortgage interest, that the deal is so great that if she was n't already an owner she would take the deal she was offering me. There was a " free '' trip but I had to pay {$1000.00} before I could even book the trip. I was never told of the 5 day cancellation policy. ( NOTE from XXXX : It was in the contract so you will be told you should have read it ) I did n't have the money for a down payment so she " talked to her manager '' who decided they could put the down payment on their credit card and finance the rest so double interest charges. She also told me that I could easily get a personal loan or like a home equity loan to refinance it so that the interest was less. She claimed the interest rate on what XXXX financed would be no higher than 13.99 % when in fact it is 15.99 %. ( Note from XXXX : You will be told it was in the documents. Many dont know their interest rate until they get the loan paperwork in the mail due to sales presentation exhaustion ). I called to ask questions after we returned home and I actually had time to look at the paperwork. It was Day 6 since signing so I could n't cancel, and no one had any answers for me when I asked about the financing and interest rate. They fly through signing the paperwork with a different person and your selling agent is never to be seen again. ( This is why recording the QA session as part of Clarity only harms the consumer as it strengthens XXXX position in court or arbitration ). I felt very rushed and pressured throughout the entire process. I told her I wanted to take the offer back to my room and think about it. She told me that if I left before buying then she could not offer me the deal I was getting. I have a hard time using the timeshare because everything is always booked. Original message from XXXX Hi, thank you for taking the time to talk to me. So I had originally purchased the sampler from XXXX. Never really used it until last year we went to XXXX and stayed at XXXX XXXX with family. So I had to do the presentation thing. Well the agent who was selling to me told me all kinds of things like the timeshare would be tax deductible like mortgage interest, that the deal is so great that if she was n't already an owner she would take the d al she was offering me, there was a " free '' trip except come to find out I had to pay {$1000.00} before I could even book the trip, I was never told of the 5 day cancellation policy, then when it came to financing I had to put a down payment down. Except I did n't have a down payment so she " talked to her manager '' who then decided that they could put the down payment on their credit card then they could finance the rest so double interest charges. She also told me that I could easily get a personal loan or like a home equity loan to refinance it so that the interest was less. She claimed the interest rate would be no higher than 13.99 % when in fact it is 15.99 %. I called to ask questions after we returned home and I actually had time to look at the paperwork. It was Day 6 since signing so I could n't cancel, and no one had any answers for me when I asked about the financing and interest rate. They fly through signing the paperwork with a different person and your selling agent is never to be seen again. I felt very rushed and very pressured throughout the entire process. I told her I wanted to take the offer back to my room and think about it. She told me that if I left before buying then she could not offer me the deal I was getting. I have a hard time using the timeshare because everything is always booked.
|
| 06/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On and/or around XX/XX/XXXX, the Complainant discovered an erroneous charge on the Barclay account for the amount of {$71.00}, made on XX/XX/XXXX, from merchant.
Therefore, Complainant opened a dispute claim through credit card Dispute Department ( Case # : XXXX ). Complainant contents that merchant erroneously charged Complainants Mastercard {$71.00}, for a service that was under a false account and under an address in error. In fact, according to merchants Customer Care/Services determined that the account was not established and was non-existent and should not have generated any charges for the non-existent account and against Complainant. During repeated phone conversations between the merchants various operators, merchant stated to refund Complainant {$71.00} immediately and/or by XX/XX/XXXX.
Notwithstanding, merchant had failed to refund the Complainant for said {$71.00} and as promised by the merchant. Based upon a priori circumstances, merchant is a complex service and comprised of various sectors and levels when faced with customer service. According to merchant, there are more than one customer service representative and more than several sectors to each merchants client. Therefore, it is common for merchant to make a simple error as information is mixed up, through various channels in the business service sector. Merchant contents that once an error is identified through its quality control department, merchant will make all necessary adjustments to correct the error.
In this case, the error was discovered by Complainant however, merchant failed to make proper correction/s for their own error and failed to refund Complainants Mastercard ( {$71.00} ). As Complainant presented this matter to the merchant, merchant stated that a refund would be provided within a week and/or up to a months time. Despite merchants statement/s, merchant NEVER refunded Complainant.
Therefore, Complainant opened a dispute claim with Respondent Mastercard Dispute Services in an effort to rightfully reverse the erroneous charge/s back to merchant. Respondent credit card dispute investigated Complainants claim and during a phone conversation on XX/XX/XXXX, Respondent investigator requested any proof that service was not rendered on the account and that Complainant did not authorize any service on the account.
Hence, on XX/XX/XXXX Complainant provided Respondents Dispute Department with the following to support Complainants claim/s thereof, EXHIBIT 1 - Renters contract Complainant resided in XXXX until XX/XX/XXXX and moved to XXXX at XXXX XXXX XXXX EXHIBIT 2 - Utility Bills show that Complainant resided at an address of XXXX XXXX from XX/XX/XXXX XX/XX/XXXX ( Complainant moved from XXXX XXXX on XX/XX/XXXX ). Therefore, evidence shows that Complainant NEVER resided at XXXX XXXX XXXX as merchant wrongfully claim/s, EXHIBIT 2 - Utility Bills show that Complainant resided at an address of XXXX XXXX from XX/XX/XXXX XX/XX/XXXX ( Complainant moved from address on XX/XX/XXXX ), EXHIBIT 3 - Text messages show that Complainant refused service at address in error, XXXX XXXX XXXX, EXHIBIT 3a - Recorded phone conversations between Complainant and Merchant Merchant admitted error and promised to reimburse charge for {$71.00}, EXHIBIT 4 On XX/XX/XXXX, Complainant provided Respondent with details proving that Merchant was in error and charged Complainants account based on frivolous claim/s, and, EXHIBIT 5 On XX/XX/XXXX, Complainant provided Respondent with additional information details proving that Merchant was in error and charged Complainants account based on frivolous claim/s.
The documented evidence provided by the Complainant and delivered to Respondent Dispute Department, Respondent did take into consideration supporting documentation and failed to include the evidence that would disprove merchants claim/s and support Complainants position in the case overall. Evidence provided by the Complainant such as ; Complainants Renters Agreement, Utility Bills and Text Messages prove that Complainant did not authorize to service the address in question ( XXXX XXXX XXXX XXXX ). Text Messages, Recorded Phone call conversation/s between the merchant and the Complainant prove that Complainant did not authorize and/or refused any service at the address in question yet, the merchant proceeded to create and generate a bill as if service were rendered at the error address from XXXX of XXXX and through XX/XX/XXXX. During recorded statement/s between Complainant and/or merchants service operator/s, merchant admitted that merchant was responsible for the error and merchant would reimburse Complainant {$71.00} on and/or before XX/XX/XXXX. Furthermore, merchant admitted that merchant mistakenly billed the Complainant {$71.00} identified a wrong address of XXXX XXXX XXXX XXXX.
According to the Respondents Dispute Department, by conjecture it appears that during Respondents investigation into the dispute claim, merchant purposely misled and provided false information to Respondents despite evidence gathered and collected by Complainant that would prove otherwise. At any regard, merchants tort feasance represent a level of depravity and prevarication in this case. Therefore, Complainant has followed through and opened a separate Consumer fraud case against merchant and currently seeking a third-party assistance into this separate case matter.
Despite the overwhelming evidence to support Complainants claim, Barclays Dispute Department closed the dispute case based on merchants terms and conditions. Notwithstanding, the Respondent failed to take into consideration the preeminent factors and circumstances of the case. Instead, Respondent Dispute Department based their determination on a non sequitur in reference to merchants terms and conditions. Furthermore, on the basis of Respondent 's determination, the " merchant 's terms and conditions '' DO NOT SUPPORT MERCHANT 'S CLAIM WHATSOEVER! THE FACT STILL REMAINS THAT MERCHANT CREATED AND ENACTED UPON A FALSIFIED ACCOUNT AND/OR " ACCOUNT IN ERROR '' THAT WAS USED TO WRONGFULLY CHARGE AGAINST CLIENT AND ILLEGALLY TAKE CLIENT 'S MONIES UNDER FALSE PRETENSE/S. Hence, Respondent 's reference to merchant 's terms and conditions do not support nor satisfy any reasonable reasoning to disprove Complainant 's claim and/or " close '' Complainant 's dispute case thereof and/or hereof.
Although Complainant provided the Respondents Dispute Department with viable evidence in support of Complainant, the Respondent failed to follow the basic standard of principles when evaluating, analyzing in determining a justifiable decision based upon preeminent factors and/or viable evidence to consider in parity. Complainant admonishes the fact that a decision that is based upon nonpareil terms and conditions only presents a level of quandary to the investigating party ( Respondents Dispute Department, et. al. ) and opens a grievance pertaining to ( but not limited to ) ethical and/or moral conduct under merchant fair business practices and standards, under Federal and State regulatory statutes thereof and/or hereof. With respect to investigating any and/or all fraudulent claim/s, careful attention must be given to the strict procedural requirements under Federal regulatory mandates that involve the investigative processes and/or procedural practices overall. Concomitant to Federal and State guidelines against fraudulent charges by the merchant, a decision that is proven to be nonpareil and/or based upon frivolous reasoning corollary may and/or may not impede upon the Consumers rights overall.
( Note : Merchant is engaging in illegal activity under falsified pretense by charging and taking monies from Client. ) Complainant asked merchant to disengage in illegal, fraudulent charges against complainants account and to lawfully return both credit/s of each at {$71.00} ( combined total of {$140.00} ) back to complainants Mastercard account and owed back to the complainant.
|
| 07/31/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I contacted my bank Barclays about a refund with XXXX for {$57.00}, I never received. I returned the item in store on XX/XX/2023 at XXXX ( XXXX security camera can confirm ) and even took a picture of the item being in store before leaving because the lady did not give a receipt since it was originally ordered online ( picture I provided Barclay thats shows I dropped off the item, even shows XXXX items and Customer Service Desk in the background ). After a month went past, I reached out to XXXX, who told me to open a dispute with my bank. I did and after opening one, over two weeks go by & I dont hear anything from Barclays about it even though I forsure provided proof. I contact Barclays & speak to a manager who tells me they reached out to XXXX & confirmed it was returned and I would see a credit in a few days. A few days go by & I dont see a credit, I receive a letter in the mail after asking the manager that day to re-send the letter that he said was apparently sent out to me about a credit. When I received the letter, the letter stated the opposite and stated Barclays investigated and XXXX refunded me on XX/XX/2023 for {$17.00} and my dispute is considered closed but in my favor. I was completely confused from this letter because 1. I NEVER received a credit for {$17.00}, 2. There is no activity on my account at all on XX/XX/XXXX, XXXX. How is it considered closed when I paid {$57.00} for the item and not {$17.00}, so even if they refunded me {$17.00} in which they didnt, that still doesnt equal to {$57.00} how can you even give less than half a refund when I returned the whole thing which was one item and that one item was a mattress topper. Barclays claim to have investigated the issue with XXXX but it seems as though they didnt. I receive a letter dated XX/XX/2023 about how they were going to investigate and then on XX/XX/2023 it was all completed within such a short period of time.
I called on XX/XX/2023 about this letter because not only does it state the complete opposite of what I was told, its filled with lies. Barclays did NOT investigate this transaction at all, and most likely thought I would just accept the letter and move on, or completely forget. I never received a refund from XXXX for that amount on that day, I researched my account looking for it and there is NOTHING of the sorts, I double checked bank statements and transaction history. On XX/XX/XXXX, after calling Barclay multiple times about this letter and to explain to me why they did not actually investigate this and why the XXXX would they say I was refunded on this certain day and I actually wasnt. I asked the representative to find the transaction on my account to confirm with the letter I received and she couldnt and stated she was confused on why I received the letter as well.
I asked this dispute representative to put me in touch with a Manager to get to the bottom of this and also re-open my dispute and actually investigate it because as of XX/XX/2023 I still dont have the refund of {$57.00} not even a partial refund from it and I dont have the product. The merchant CAN NOT keep the product and keep my money as well. Every representative refused to allow me to speak to a manager and stated one wasnt available, even though they were unable to figure this out. I asked for them to set up a call back with a manager because this letter is inaccurate. The representative who refused a manager then told me on the phone that a entirely different charge for a completely different purchase from XXXX which amounted in {$16.00} on XX/XX/2023 and a different one for {$0.00} was the refund that I was owed from the dispute of {$57.00} and refused to listen when I stated multiple times its not, that was an entirely different purchase and XXXX still owes me {$57.00}. I also asked for proof of this information and if that is what XXXX is claiming and not just the representative herself, to provide ME that documentation that shows what she is claiming is coming from XXXX themselves because at this point its all he/she said. Barclay Mastercard is basically speaking on behalf of XXXX without showing ME the customer any proof of communications with XXXX. I would like all proof and the receipts XXXX have apparently provided to Barclay that shows the {$16.00} & {$0.00} are directly related to the original charge of {$57.00} because if an investigation was actually done & Barclays reached out to XXXX they would give me the supporting documents that were used to verify I was refunded but BARCLAY CAN NOT DO THAT BECAUSE THEY DID NOT ACTUALLY INVESTIGATE.
I am making this complaint to have the company that closely monitors Banks contact Barclays so they are AWARE of what Barclays is doing, have Barclays re-open my dispute, and also provide me all the documentation that the merchant provided to support the {$17.00} that was apparently refunded to me. Once again I have NOT received a refund from XXXX, I bought a mattress topper for a total of {$57.00}, I RETURNED the mattress topper that cost {$57.00} but have yet to receive that refund to my Barclays account. I also have yet to receive a call back from Barclays as of XX/XX/2023 even though I was told someone would call me back after being refused a manager multiple times on XX/XX/2023. I called at least six times on XX/XX/2023 trying to get this resolved and at this point XXXX is refusing.
As of XX/XX/2023 I tried reaching out to Barclays again about the issue. I reached out to their billing disputes department and regular department by calling XXXX which is the number listed on the letter and called XXXX which is listed on the back of my card. Ok today XX/XX/2023 the associate I first spoke too acted clueless on what I was talking about, so I once again asked for a manager where I was put on hold for a long time & then I get told either the manager isnt available or the associate tried to relay a message of what the manager apparently said, even though I have asked multiple times to speak to one MYSELF, as the regular associates employee, XXXX who works in the disputes department, I spoke to on XX/XX/2023 could not get manager on the phone after asked for one more than two times and stated it takes 48-72hrs for a call back. When I called multiple last week and more than 72hrs have passed.
I am also attaching pictures of the original letter I received, and also the same letter I received again after asking the associate to mail it out to me again, the day I asked this was on XX/XX/2023 as the first one hadnt showed up yet. The reprint of my statement is not actually my statement it was the letter about the {$57.00} being in dispute.
Please also note, I am attaching pictures of my call log, of me speaking to Barclay on XX/XX/2023 where I was told the {$57.00} would be credited to my account within a few days. The same number I called, is the same number on the back of my card.
Please also note the dates of the letters I received of Barclay closing my case & saying I was issued {$17.00}, it is dated XX/XX/2023 a day before I spoke to an associate who never once on XX/XX/XXXX mention anything about what the letter said nor did he ever state I was already apparently credited, I wasnt told the dispute was closed either on this day even though on his end he could see this letter as he was the one that told me a letter was sent out & I simply requested it to be sent again because I did not know. This employee willing withheld this information from me while I kept asking when did Barclay speak to XXXX, when will I receive something stating Im being credited the {$57.00}, I can see now all the questions I asked this associate he just lied because why not mention & say whoever investigated the issue apparently said I was credited already.
I would advise ALL Barclay card holders when filing a dispute with this XXXX disgusting company to get ALL documentation & communication that went into investigating the dispute as it is our right.
|
| 09/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Barclays is not resolving my dispute and not being responsible.
I am XXXX XXXX XXXX, have a XXXX score of XXXX and have never done a chargeback with Barclays. Here is what happened : I paid XXXX ( XXXX ) XXXX ( online video and animation service ) {$6200.00} between XX/XX/XXXX to XX/XX/XXXX. I paid another {$1400.00} between XX/XX/XXXX to XX/XX/XXXX. Total {$8000.00}.
The merchant would not do work unless prepaid.
All work was part of a Phase 1 campaign due the first week in XXXX XXXX - invoices document most detail clearly. I have a signed document from XXXX as part of a campaign rollout for a project that was to include XXXX characters, segments, XXXX wife XXXX, etc. Again, the invoices and emails, support chats and all I provided to Barclays lays it all out and is clear.
XXXX and rigging animation services are expensive and also require significant time ( so I trusted the merchant and used XXXX as a layer of protection from a previous experience with a service, unrelated ). Online they claim to work with XXXX, XXXX XXXX large companies and they told me they have a studio that works with XXXX. The signed XXXX I got from them says they have 11 years of experience, 825 clients, 59 employees, and completed 3,288 projects. They are located in XXXX, allegedly. I am in Oregon.
XXXX did not deliver any of the 3-D promised projects ( animated video ) or anything in time for our agreed deadlines. Bottom line, XXXX never delivered the entire Phase 1 marketing as agreed. There was some initial turnover in staff at XXXX ( they said promotions ), so I gave them the benefit of the doubt to continue as I needed the Phase1 asap and too far in to stop and find another service.
Finally, after only getting two complimentary '' XXXX videos where I provided voiceover and all video at my expense, I could not wait any longer.
This is an excerpt from the SIGNED Phase 1 proposal text from XXXX XXXX XXXX to me : Our phase 1 strategy will lay our foundation to build out phase 2 in a rapid and focused manner. We will never sacrifice quality in return to release something that does not meet our high standards. With that in mind, we anticipated having a rollout of phase one in the first week of XXXX. We talk to XXXX multiple times every day, so we are working hard to get this phase one done. We look forward to earning your trust, not by words but by results. Let 's light this rocket together!
Here is the online chat with the COO XXXX XXXX ( my very first contact in XX/XX/XXXX ) of XXXX who signed the doc for a XXXX delivery ( given to Barclays as well ) : Visitor XXXX ( XX/XX/XXXX ) *online-chat* I can not get ahold of anyone XXXX - remember all the calls- I have paid, nothing done, now on the verge of getting fired. We have time to salvage, but need to talk asap - no one reponds to me at all. What is happening? I did not do anything wrong, just keep paying- I am reasonable, you know my XXXX- please call me asap ( XXXX ) XXXX XXXX Can I fly down tomorrow to meet you?
( XXXX ) XXXX XXXX Seems like you guys no longer care about me... we were best of friends when I started ( XXXX ) XXXX XXXX I paid all bills - immediately ( XXXX ) XXXX XXXX from my own pocket ( XXXX ) *** XXXX XXXX left the chat *** ( XXXX ) XXXX XXXX what?
( XXXX ) XXXX XXXX you just left?
( XXXX ) XXXX XXXX you told me I could trust you XXXX XXXX, here is part of the email I sent to XXXX from XX/XX/XXXX : From : XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Subject : proposal - please reply asap Hi XXXX XXXX I have tried repeatedly to make contact to no avail. We really have 2 options at this point.
One simply refund all monies. I have lost status with my group and have vouched for you beyond your understanding based on our conversations. I am the same guy never hard to communicate with.
Two Into small chance we want to work on healing our relationship and retaining me as a client quietly, I recommend we complete some baseline Annex work and eliminate half the paid order. This gives you an out. I need the XXXX and XXXX cadet content as listed below : 1. I am assigned a PM who is not new 2. You explain to me in detail what happened so we both understand and can build trust I am willing to work past if I know real truth, even if bad.
3. I have access to the creative team instead of a constant back and forth filter it would save us all time.
Ultimately, nothing changed and I lost my job and salary as I was not able to deliver and a {$10000.00} bonus just for context.
My main contact kept changing from XXXX, to XXXX to a new guy named XXXX. XXXX sent some 3D drafts and I was encouraged to continue. Then they all disappeared- XXXX, XXXX and XXXX along with the XXXX XXXX whom I spoke to initially as well.
After several calls, I was told verbally by the project manager that all of those workers as well as the CEO ( XXXX who also talked to me at the beginning ) were gone : fired for fraud.
So I was not going to get anything delivered unless new people started over. Who would reasonably continue?
At this point, they assured me verbally that they would refund my money call my bank and they would handle.
Apparently, that was also a lie. Barclays told me that the merchant delivered work. I assume they mean the two complimentary videos? There was not one 3-D item completed and what I paid for as Phase 1 due in XXXX never arrived. Not one thing and I can detail as shown in invoices and in emails.
I lost my job over this. Now Barclays is denying a refund, claiming several things : XXXX. Barclays first sent a letter that they investigated and they say the merchant says they delivered how? I can not prove that something didnt happen The FTC states I am not required to prove innocent I simply want them to refund they did not do anything. Put my payment history, credit and the ridiculous amount of work and hoops I am doing here against their actions it is unfair.
2. I called the Barclays XXXX office. XXXX there said they would look into it. No updates.
3. Today I get a letter Despite our best efforts, we were unable to obtain a credit for you from the merchants bank, and we must now consider the matter closed. How is that even my fault? I used XXXX and Barclays for the added layer of protection isnt that part of the 25 % interest and fees this card charges. I have XXXX power in this relationship and it is so wrong. My balance with Barclays would be a credit after this refund but now I owe all this for no delivery and lost my job??
XXXX appears to be straight up scammers. No one has looked at the correspondence and contact me in detail. I offered to travel - who does this when they are at fault? I reported to Barclays as soon as I saw the issue after asking for a refund from the merchant to no avail. Their entire team at XXXX working with me vanished.
Again, per my last contact, I was told they would refund the money, just call the credit card company, they will not dispute. They said that they fired all my contacts for fraud as I asked over and over where everyone is They also said they would give me 50 % off next project if I had one. No ne would trust that.
Bottom line, they took my money, delivered unusable content as drafts and then their team left. They missed every deadline and simply did not deliver on promises work gave me a complimentary 2-D 60 sec video 2x that was it. 100 % theft and Barclays has a fiduciary responsibility to me to refund for fraud. I have all documentation that a reasonable person can review. Is this what thew FTC and CFPB envisioned for consumer rights?
I will visit whatever local office or travel to resolve this if you need me to do so. I can not afford to be swindled out of {$8000.00}. Barclays is trying to stall me so I go away, in my opinion. I will be contacting my State senator next. Then proceed based on advice.
|
| 06/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
This is a detailed recounting of the events that have transpired over the course of the last 9 months, and a reporting of the serious malpractice by the Barclays fraud department.
PRECURSOR : I signed up for the BarclaysUS card back in late XXXX because they had a special promotion with XXXX where you didnt have to pay interest for a full 12 months. I purchased a XXXX and payed it off over the next year. Thats the only transaction I ever made with the card, and the account was unused from late XXXX until XXXX of XXXX. I kept it open because apparently thats better for your credit score.
On XX/XX/XXXX two withdrawals were made at a XXXX XXXX XXXX in XXXX, Colorado. One withdrawal for {$300.00}, and a second one a few minutes later for {$500.00}. These withdrawals were not made by me, and I didnt find out about them until a month later when I received a notice from my credit score app letting me know that my score had dropped due to a late payment.
Upon finding out, I immediately reported the fraud to the fraud support team, they credited my account, and an investigation ensued. In XXXX I received a letter stating that the investigation had closed and NOT been resolved in my favor, with the reasons being unclear. I called to get more details on the case and investigation, which they couldnt provide. They advised me to submit a formal statement of fraud along with a police report if I wanted to dispute their decision.
I did some of my own investigating and was able to pry the zip code of the ATM in question from one representative ( after multiple told me that either no info existed or that they were not allowed to give me that info ). Theres only one XXXXXXXX XXXX in that zip code, which I called and they were able to confirm that they had record of the withdrawal in question. They also confirmed that they had security footage of the ATM, but that they were only able to disclose it to the police or other official party such as Barclays. With all this info I filed a police report, and nothing was done. They didnt care enough to do anything. Nonetheless, a report was filed.
MAIN INCIDENT : With the police report and info about definitive security cam footage, I sent BarclaysUS a formal statement of fraud in XXXX. After faxing this I called to make sure they received it, to which they said they had and that my account would be flagged for review by a supervisor to look into it again. This never happened. I called in about two weeks later and they said they had no record of me sending anything in, but once I gave them the exact date that I had sent it in they were indeed able to locate it.
In early XX/XX/XXXX I received a letter stating that the case had been closed in my favor, and that the money would be returned to my account. I was initially quite relieved, but a week or so later, the money had not been returned and I was still being charged late fees. I called in to see why, and they said that the letter was sent in error, and that the case had actually been closed not in my favor ( again ).
When I asked if my additional documents had been reviewed, they said they had not received any documents. I had to again point to the exact date for them to locate it. They reopened the case again, saying that they would again flag the documents for review by a supervisor. This cycle repeated, with them closing the case due to not being able to find my documents. Each time the case was closed I called and they told me they had received no documents. Each time I gave them the date and they were able to find them, and they said they would flag the documents once again.
Theyve now reopened my case about 5 or 6 times from XXXX until XXXX, each time somehow still being oblivious to the documents, and closing it. They still, after 7 months of investigation, have not reviewed my documents or looked into the security footage. To me this seems like a massive violation of my previous trust in this company with my finances. It also seems like serious malpractice in my opinion.
MORE INCIDENTS : In between all of this there have been numerous other problems. For one, I have not been able to speak to a supervisor or manager, despite asking on at least 15 separate phone calls. Apparently there isnt ever one available, and the only way to talk to one is by scheduling a callback. The problem is I started requesting them months ago and Ive never gotten one. At first I was told manager callbacks happen within a few hours ( a complete and utter lie which I was told many times ). Lately theyve been saying manager callbacks happen within 10 business days. I work from home, and have my phone on ring always. I also check my missed calls. Nothing.
The fraud support team is also for some reason the only department at Barclays that seems to not care at all about this issue. All the other departments Ive been on the phone with regarding this issue have been have been very empathetic and helpful. Even though theres nothing they can really do since its not their department theyve filed complaints for me and tried to come up with alternate solutions. Quite a few of them expressed shock upon hearing my situation and my dealings with the fraud department. In complete contrast, the fraud team could not care less, repeats scripts, consistently lie, and essentially stonewall me until I give up for the day.
At this point I tell them Im upset because 6 months later my documents or footage havent been looked into because of an apparent error with their file system, they say theres nothing to do other than flag it for review by a supervisor again. Then I tell them that theyve already done that many times and it doesnt seem to be working, and they say theres nothing else to be done. Their reply to all of my qualms is mmmm, Im sorry Mr. XXXX, there is nothing I can do for you. Over and over until I give up and accept the review by a supervisor option.
UPDATE XX/XX/XXXX : Today I finally got a supervisor call back. He was very deceptive. At first he told me that the specialty team ( the people in charge of actually investigating ) had reviewed the documents in XXXX and still ruled not in my favor. I told him I didnt think that was the case since I had recently spoken to multiple people saying they hadnt been reviewed. After a lot of pushing he admitted that he didnt actually know, he was just assuming. He finally went to look at the documents himself and couldnt find them. He then changed tone and told me that my documents actually hadnt been reviewed because they hadnt been faxed to the right department ( it was faxed to collections, apparently ). The specialty team cant see those documents. The thing is, I faxed the documents to the number that a fraud support representative gave me. So they gave me the wrong number. I also dont understand how after 5 months and dozens of reps looking at those documents ( but struggling to locate them at first ), no one mentioned that. Ive had them re-flag the files so many times. There have been so many problems locating them. This should have been noticed a long time ago. Just goes to show how little anyone in that department cares.
CONCLUSION : That about wraps it up. Because of this incident my credit score is down over 200 points from 790 to about 580. This is my first ever negative mark. I've re-faxed the documents to the new fax number and am still awaiting an update. This whole situation has been unbelievable. They've denied my case so many times without actually reviewing my documents. The reason they haven't reviewed the documents is because of an error on their end that went unnoticed for 6 months despite constant calling. They have continually lied straight to my face on most calls just to get me off the phone. This kind of thing shouldn't be allowed.
|
| 02/24/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
Older American |
|
Follow-up response to Barclays response of XX/XX/XXXX ( attached ) to CFPB Complaint XXXX of XX/XX/XXXX : Dear Barclays Representative, Thank you for the prompt response to my initial Consumer Financial Protection Bureau ( CFPB ) inquiry. And thank you for clearly stating what Barclays protocols are and that they were followed. But as you did not address my second fair resolution recommendation, it is clear that you have missed the critical point.
Technically, as you stated, all the existing protocols and processes were followed by Barclays personnel. But to state it directly, so that there is no misunderstanding, Barclays internal processes are inadequate when something goes awry. But they can be improved. The processes currently contain Single-Point-Failures and when those failures occur, they can cost your customers XXXX XXXX of dollars and severe degradation of their credit ratings which can lead to many other significant negative consequences. Let me explain from a technical perspective.
First off, I want to clarify that I am not some annoying pest. I am a professional system designer that has lead the design of many complex aerospace systems as well as internal operating procedures and processes. That is why the Single-Point-Failures in Barclays internal processes are readily apparent to me. I am not trying to criticize Barclays, I am just acting as an outside non-advocate reviewer that has identified some escapes made by your process designers and providing recommendations on how to correct them. If Customer service is very important to us, as your CFPB complaint response states, then you should seriously consider the findings of this review, and proactively implement process improvements to eliminate the potential erroneous negative consequences for your customers.
Understanding the Single-Point-Failures : " " Email is an inherently unreliable system. It is much better than it was, but with the onslaught of spam and countering spam-filters, emails may technically be received by the recipient but never seen. There are several other ways that email may not be received or seen, but spam filtering is a common one. It is because of these endemic complications with email that it is essential to establish a bidirectional email communication link before relying on it for critical mailings.
The Barclays program to minimize internal costs by defaulting to email delivery ( paperless statement notifications ) is a valid attempt at improving efficiency, but it needs to be established with a reliability level appropriate for the consequences of failure. The current processes function fine when everything goes right, but they also need to be designed for potential failure conditions. Sending billing statement notifications via email have the potential Failure Mode of not being received and/or read by the customer for several reasons. If there is no other means of providing this information to the customer ( which there currently is not ), this communication approach has a Single-Point-Failure potential that will result in an interest charge and a late fee to the customer. And this is the worst kind of Single-Point-Failure because it is Unannunciated to both the sender and recipient, and thus it can be repeated over and over again, which is exactly what happens. The subsequent email communication failures have a 100 % probability of occurring since whatever caused the initial email communication link to fail is still in existence and the emails repeatedly go into a black hole. After two or three of these failed billing statement notifications, the Barclays process automatically reports the delinquency to the Credit Agencies and ruins the customers credit rating, which is a very significant consequence.
In the CFPB response that Barclays provided, it is stated that Barclays notifies the customer before sending negative reports to the credit reporting agencies by including information About Credit Bureau Reporting on the back of the never received emailed billing statements. The failure to notify the customer before reporting them to the credit agencies is obviously subject to the same Single-Point-Failure that not receiving the billing statement is. This failure to notify is a Common Cause Failure as it will always occur when the initial Single-Point-Failures occur.
Process XXXXedesign to Eliminate the Single-Point-Failures : " " What the current Barclays process is missing is Redundancy. It relies on only one unreliable and never verified system of communication. And that process can result in two levels of consequences to the customer ; an interest charge and late fees which have a negative financial impact, and detrimental credit agency reporting which can have serious financial and life altering impacts to a customer. The amount of Redundancy for each of these consequences can be different, but it needs to be appropriate for the level of significance.
First off, if email is to be utilized for billing notifications, then a test email needs to be sent to the customer and returned to Barclays to establish a closed-loop email communication link. Barclays does this for the US Post Office mail communication link and the Telephone communication link when they mail the credit card to the customer who then validates that it was received by activating it via telephone.
Secondly, just because an email link is established, it does not mean that the customer will always receive the paperless statement notification. Depending on the level of Customer Service quality that Barclays wants to establish, a follow-up USPS mailed invoice or a telephone call would provide an independent second communication link to eliminate the Single-Point-Failure of one emailed paperless statement. Dual Redundancy is the appropriate level for the interest charge and late fee consequence.
Thirdly, if two or three paperless statements are not responded to and it is nearing the timeframe to provide a delinquency credit agency report, the consequence to the customer is significant enough that at least three independent means of communicating to them should be performed ( USPS mail, Return-Receipt mail, Telephone Call or Text, etc. ), or until an actual customer connection is made. It is essential that the customer be aware that there is going to be a negative credit agency report filed and given the chance to rectify the situation before the detrimental report is made. Triple Redundancy is the appropriate level for this consequence. In a world of cold and indifferent automation, reaching out to the customer would be a respectful and decent human courtesy.
Conclusion : " " Hopefully my point is now clear on Barclays culpability in the unnecessary injurious credit bureau reporting that I, and undoubtedly several other folks, have experienced. And hopefully it is also clear that I am not trying to be hostile and am genuinely trying to help Barclays improve their customer service and consequent customers experience. Ideally, Barclays will see this letter as valid customer feedback, and will adapt to the current era of striving to provide an exceptional customer experience by proactively taking the recommended process design changes seriously.
Please share this letter with XXXX XXXX.
Thank You.
P.S.
As an indication of how readily Single-Point-Failures occur in Barclays processes, the letter from Barclays that was allegedly sent to me on XX/XX/XXXX was never received. The mention of it in Barclays response to this CFPB complaint was the first I have ever heard of it. If it was sent via email, you just reaffirmed my point about the unreliability of email. It also was not attached to the CFPB response as was stated, so I still do not know what it said.
|
| 01/17/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Older American |
|
Hello. Our names are XXXX and XXXX XXXX, and we need your help with escaping from a financial deathtrap that we find ourselves in with tXXXX XXXX XXXXllowing companies : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX a non-bank lender of consumer loans for the purchase of timeshare interests.
XXXX. XXXX the issuer of XXXX XXXX XXXX XXXX XXXX.
In the XXXX, we purchased a one-week timeshare in XXXX XXXXXXXX XXXX We happily used it for one week every year for decades. As of XXXX, our only financial obligation for this timeshare was a maintenance fee of approximately {$2000.00} every year, which equated to about {$160.00} per month.
XX/XX/XXXX : ENCOUNTER WITH DIAMOND RESORTS On XX/XX/XXXX, we were on vacation in XXXX XXXX, and we were contacted by XXXX XXXX to attend a presentation the following day at breakfast. At that presentation, a XXXX representative told us that our one-week timeshare ownership structure at XXXX XXXX would soon no longer exist and that we needed to purchase points to continue vacationing. He said points were more valuable anyway because they could be passed to our children. The salesperson spoke very fast and gave us many documents to sign, without allowing us time to read them over. At the time, we were ages XXXX and XXXX. We are now ages XXXX and XXXX.
Shortly after our vacation, we suffered many health problems ( discussed below ). XXXX and Barclays sent bills and we blindly paid them because we had too much else going on to question why they were asking for so much money. Only recently were we able to sit down with our son and go through all the XXXX paperwork. After doing so, we now know that the documents we signed on XX/XX/XXXX, obligated us to purchase XXXX XXXX points for the price of {$80000.00} plus {$3000.00} in closing costs. The paperwork shows that the XXXX points were paid for as follows as reflected in the enclosed ATTACHMENT XXXX, which includes : ( a ) {$8200.00} trade-in credit for our XXXX XXXX XXXX XXXX that we would have kept if we werent told it was going away ), ( b ) {$11000.00} on a Barclays card with a 19.99 % interest rate, and ( c ) {$63000.00} in a XXXX XXXX loan with a 14.3969 % interest rate.
LATE XXXX : HEALTH COMPLICATIONS Shortly after our XXXX XXXX vacation XXXX XXXX was diagnosed with XXXX XXXX and was told he would be undergoing XXXX treatment between XXXX and XXXX. In XX/XX/XXXX, XXXX underwent XXXX XXXX XXXX. Enclosed at ATTACHMENT 2 is a letter from our doctor XXXX XXXX XXXX XXXX, which details our health problems and explains that we are unable to travel.
A few months after XXXX XXXX XXXX, we called XXXX and explained that we could not afford to pay the bills they and Barclays were sending us ; that we did not understand how we became obligated to pay them ; and that we could not travel even if we wanted to due to our health problems. We were told that getting out of the purchase would be very difficult. We spoke with XXXX Transition Department and were told to apply to the XXXX XXXX XXXX XXXX Department. We were told we would need to submit many different medical documents and financial records. We did not understand what we needed to do so we called back. Each time we called, we were more and more confused about how to apply for a hardship and our time and understanding was, and is, limited due to our critical health problems and our age.
We are hoping that reaching out through the CFPB will help resolve things quickly so we may have some peace as we work on improving our health.
WHAT WEVE PAID FOR SOMETHING WE NEVER WANTED, NEVER USED, AND WILL NEVER USE Despite not understanding how we ended up owing such a large amount of money or how a credit card was opened in our name, while we were going through our major health complications in late XXXX through XXXX, we paid the amounts seen on the document enclosed as ATTACHMENT XXXX. During that time, we did not have the time or energy to question everything and were afraid of what would happen if we did not pay all the bills we received. Only recently were we able, with the help of our son, to piece everything together. In total, we have paid {$36000.00} for something we never wanted and that we have never, and will never, use.
XX/XX/XXXX : UNEXPLAINED CHANGE IN INTEREST RATE AND PAYMENT AMOUNT We would also like to know why the monthly payment XXXX XXXX asked us to pay changed in XX/XX/XXXX. The Truth in Lending Act Disclosure given to us in XXXX ( enclosed as ATTACHMENT XXXX ) showed that our monthly payment would be {$990.00} with an interest rate of 14.3969 %. This is the amount statements show we were billed ( and paid ) monthly in letters received from XXXX XXXX through XX/XX/XXXX.
The new monthly amount ( {$1000.00} ) was reflected in a letter from XXXX XXXX dated XX/XX/XXXX ( enclosed as ATTACHMENT XXXX ). The letter displayed a list of possible explanations for the change in payment amount but none of those reasons applied to us. Specifically, all the reasons related to a change in how payments were made, including terminating participating in a SurePay Plan, closing a designated bank account, not maintaining a sufficient balance in the designated bank account, stopping payment on the SurePay Plan, revoking the SurePay Plan authorization, and not making payments on the SurePay plan when due. None of these reasons apply to our situation because we never signed up to pay via the SurePay Plan.
While we now see that a box on the TILA disclosure is checked that mentions SurePay, we were never provided a SurePay Plan ( whatever that is ) to fill out and every monthly payment weve ever made was initiated by XXXX after receiving a monthly statement. Why is XXXX allowed to put one payment amount and interest rate in an official disclosure and then just change it months later?
WHAT WE ARE ASKING OF XXXX AND BARCLAYS We recently received a letter dated XX/XX/XXXX, which states that our current balance for the Diamond loan is {$61000.00}. It was just {$58000.00} in XXXX. We think the balance on the Barclays card is around {$8200.00}. Weve paid these two companies {$36000.00} for absolutely nothing. Money that we desperately need to use to care for ourselves in our old age.
We are asking for the following : XXXX. Barclays : a. Return to us {$6200.00} that weve paid them.
b. Cancel any remaining balance.
c. Remove any negative credit reporting.
XXXX. XXXX : a. Refund to us the {$30000.00} weve paid them.
b. Cancel any remaining balance and memberships.
XXXX. Return to us either our XXXX XXXXXXXX timeshare ( so we can gift it to our children ) or the additional {$8200.00} at which XXXX valued our XXXX XXXXXXXX timeshare when they told us it was going away.
d. Remove any negative credit reporting.
e. Take back their timeshare.
If XXXX and Barclays refuse to do the above, we want them to explain to us ( and to the CFPB ) : XXXX. Why XXXX told us that our XXXX XXXXXXXX timeshare was going away and that we needed points to continue to vacation when we were there in XX/XX/XXXX. We now realize this was probably a lie.
XXXX. Why XXXX decided to change the interest rate and payment on the XXXX loan nearly a year after they made a TILA disclosure reflecting a different payment and interest rate amount.
XXXX. Why we were not given proper information about the opening of a Barclays credit card.
XXXX. How much money they were paid when someone else used our timeshare interest in the past two years when we were unable to use it. We think they need to pay that money to us if they dont give us a refund.
Thank you to the CFPB for your assistance. And thank you in advance to Diamond and Barclays for helping to fix this situation and improve our lives.
Sincerely, XXXX and XXXX XXXX
|
| 01/07/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
To the best of my recollection, I used a subsidiary of XXXX XXXX, Incorporated, on Monday, XX/XX/, in XXXX, Vermont, to make one reservation for one hotel room for one day at XXXX XXXX in XXXX, XXXX, XXXX. That subsidiary of XXXX XXXX, Incorporated, is called XXXX. Also, to the best of my recollection, I certainly clicked on a computer icon in which I wanted to have a guaranteed refund for my hotel room reservation because I was worried about the possibility that I would be detained at the XXXXUnited States border due to the allegedly random searches of the XXXX Border Services Agency . In fact, according to my United States passport book I certainly visited XXXX on Saturday, XX/XX/, which happens to be on the same day I participated in the physical tests required to potentially become a New Hampshire State Trooper. On Saturday, XX/XX/, members of the XXXX government purportedly detained me in XXXX based on their claim that I was being randomly searched. Since this ordeal took up a lot of my time, I do remember quite clearly that in the future I wanted to reserve a hotel room in XXXX in which I would receive a guaranteed refund for my hotel reservation when or if I would have to endure a supposedly random search at the XXXX-United States border . So, even though I don't claim that I have a perfect memory, I do remember that I definitely chose to accept the option in which I would be given a full refund if I could not get to my hotel for some reason or reasons that would not be my fault in a legal manner. Moreover, my decision to choose to get a full refund for my hotel room at XXXX XXXX is very similar to my decision to buy car insurance for the cars that I rent for personal reasons and/or when I am on a business trip. I also wish to include part of the electronic mail that I sent to the XXXX XXXX on Sunday, XX/XX/XXXX : " It was my goal to arrive in XXXX, XXXX, in the evening or at night on Monday, XX/XX/. Moreover, I was detained at the XXXX XXXX border for no legally valid reason on Monday, XX/XX/2023. The end result of this detention was that my time was wasted because the XXXX XXXX XXXX XXXX found absolutely nothing illegal while I was detained, and the XXXX XXXX XXXX XXXX claimed that I was being randomly searched. Therefore, by the time I left the XXXXUnited States border, it was around XXXXXXXX XXXX. or XXXXXXXX XXXX. to the best of my recollection. The XXXX XXXX was going through construction and/or there was ongoing construction near the XXXX XXXX on Monday, XX/XX/, and on Tuesday, XX/XX/. Furthermore, the XXXX XXXX was dimly lit which made my endeavor to find the XXXX XXXX even harder. In addition, I should mention that I'm an American citizen and that my Global Positioning System device or GPS device only works properly in the United States of America. Also, to the best of my recollection, I only had minimal access to the internet on my laptop and on my cell phones. As a result of these problems, I most likely arrived at the XXXX XXXX at around XXXXXXXX XXXX ( XXXX ) or XXXXXXXX XXXX ( XXXX ) on Tuesday, XX/XX/2023, and to the best of my recollection I made a legitimate attempt to enter the XXXX XXXX on Tuesday, XX/XX/2023, at around XXXXXXXX XXXX ( XXXX ) or XXXX XXXX ( XXXX ). However, there was no one there to open the door for me or at least no one made the attempt to do so. It is certainly not my fault that no one made the effort to allow me to have access to the XXXX XXXX at that time. To the best of my recollection, it was around XXXX XXXX ( XXXX ) or XXXX XXXX ( XXXX ) on Tuesday, XX/XX/, that I spoke with a lady who is ethnically XXXX. She claimed to be an employee of XXXX XXXX. One of the concerning observations I made while having a conversation with this lady in XXXX was that her responses to me were very scripted. In other words, after I explained the details of my ordeal concerning my objective to stay in one room at the XXXX XXXX, this female employee couldn't care less about the problems I endured ( in my opinion ). When I was speaking with this female employee, I was kind enough to offer to stay at the XXXX XXXX the next day to make up for my first attempt to stay there, but this female employee informed me that I would be charged for two days rather than one day if I made this decision. Consequently, I decided to politely escalate this matter and speak with the manager. This female employee explained to me that the manager would be ready to speak with me in about twenty to thirty minutes ( to the best of my recollection ), and I agreed to meet with the manager at this time. When I met the person who claimed to be the manager, I would argue that I had the same callous experience as I had with the female employee. The manager is a XXXX XXXX with dark hair ( to the best of my recollection ), and he started an argument with me while expounding that I would never get my money back under any circumstances. '' The amount that I was charged using XXXX was {$76.00} for this hotel reservation at XXXX XXXX ( which is an amount in American dollars ). Based on my knowledge of the law, I am legally entitled under both the laws of the United States of America and XXXX to receive a full refund in the amount of {$76.00} immediately because that amount of money was stolen from me by XXXX XXXX XXXX XXXX XXXX, Incorporated, and/or Barclays, XXXX XXXX
To the best of my recollection, on Friday, XX/XX/2023, I made a reservation with a company called XXXX XXXX XXXX. In addition, the company 's internet website is located here : XXXX XXXX XXXX. Once again, I made a reservation with XXXX XXXX, Incorporated, and I specifically made that reservation using XXXX XXXX, Incorporated 's subsidiary, XXXX. It was actually on Monday, XX/XX/, that I received a phone call from a lady who claims that she is called XXXX, and she also claims that she works for XXXX XXXX XXXX in XXXX XXXX, California. I am able to provide the United States government with evidence that my cellular phone received a phone call from a lady who claims she is XXXX when I was at XXXX XXXX International Airport on Monday, XX/XX/. The lady who claims she is XXXX informed me at about XXXXXXXX XXXX ( Eastern Standard Time ) that she has decided as a representative of XXXX XXXX XXXX to cancel my reservation. I informed this lady who claims that she is XXXX that she had no right to simply cancel my reservation for one automobile. I told this lady who claims she is XXXX that a lot of flights from XXXX to other cities were cancelled or delayed because of the weather that day in the XXXX United States. I also explained to her that if she is going to cancel my reservation, I am entitled to a full refund. That refund is in the amount of {$330.00}. I am ready to provide evidence to the United States government that XXXX sent me electronic mail on Monday, XX/XX/, at XXXXXXXX XXXX. ( Eastern Standard Time ) in which the following message was conveyed to me : " We regret the inconvenience this has caused you and would be happy to reimburse your reservation. '' I am able to conclude that XXXX XXXX XXXX, XXXX XXXX, Incorporated, and/or Barclays, XXXX XXXX legally owes me {$330.00} for the XXXX XXXX XXXX reservation that a lady named XXXX chose to cancel on me.
My legal argument which is based on the evidence is that I am owed a total of {$410.00} for the amount of money that was stolen from me considering that {$76.00} plus {$330.00} is equal to {$410.00}. I am also willing to begin a process of litigation against XXXX XXXX, Airport XXXX Rental, XXXX XXXX, Incorporated, and/or Barclays, XXXX XXXX for my legal rights and on behalf of others in the form of a class-action lawsuit. Therefore, I, as well as others, deserve justice.
|
| 12/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Older American |
|
Hello. Our names are XXXX and XXXX XXXX, and we need your help with escaping from a financial deathtrap that we find ourselves in with the two following companies : 1. XXXX XXXX XXXX XXXX XXXX, XXXX a non-bank lender of consumer loans for the purchase of timeshare interests.
2. Barclays the issuer of Diamond Resorts International World Mastercard.
In the XXXX, we purchased a one-week timeshare in XXXX XXXX XXXX We happily used it for one week every year for decades. As of XXXX, our only financial obligation for this timeshare was a maintenance fee of approximately {$2000.00} every year, which equated to about {$160.00} per month.
XX/XX/XXXX : ENCOUNTER WITH XXXX XXXX On XX/XX/XXXX, we were on vacation in XXXX XXXX, and we were contacted by XXXX XXXX to attend a presentation the following day at breakfast. At that presentation, a XXXX representative told us that our one-week timeshare ownership structure at XXXX XXXX would soon no longer exist and that we needed to purchase points to continue vacationing. He said points were more valuable anyway because they could be passed to our children. The salesperson spoke very fast and gave us many documents to sign, without allowing us time to read them over. At the time, we were ages XXXX and XXXX. We are now ages XXXX and XXXX.
Shortly after our vacation, we suffered many health problems ( discussed below ). XXXX and Barclays sent bills and we blindly paid them because we had too much else going on to question why they were asking for so much money. Only recently were we able to sit down with our son and go through all the XXXX paperwork. After doing so, we now know that the documents we signed on XX/XX/XXXX, obligated us to purchase XXXX XXXX points for the price of {$80000.00} plus {$3000.00} in closing costs. The paperwork shows that the XXXX points were paid for as follows as reflected in the enclosed ATTACHMENT 1, which includes : ( a ) {$8200.00} trade-in credit for our XXXX XXXX XXXX XXXX that we would have kept if we werent told it was going away ), ( b ) {$11000.00} on a Barclays card with a 19.99 % interest rate, and ( c ) {$63000.00} in a XXXX XXXX loan with a 14.3969 % interest rate.
LATE XXXX : HEALTH COMPLICATIONS Shortly after our XXXX XXXX vacation , XXXX was diagnosed with XXXX XXXX and was told he would be undergoing XXXX XXXX between XXXX and XXXX. In XX/XX/XXXX, XXXX underwent XXXX XXXX XXXX. Enclosed at ATTACHMENT 2 is a letter from our doctor , XXXX XXXX XXXX, which details our health problems and explains that we are unable to travel.
A few months after XXXX XXXX XXXX, we called XXXX and explained that we could not afford to pay the bills they and Barclays were sending us ; that we did not understand how we became obligated to pay them ; and that we could not travel even if we wanted to due to our health problems. We were told that getting out of the purchase would be very difficult. We spoke with XXXX XXXX XXXX and were told to apply to the XXXX XXXX XXXX XXXX Department. We were told we would need to submit many different medical documents and financial records. We did not understand what we needed to do so we called back. Each time we called, we were more and more confused about how to apply for a hardship and our time and understanding was, and is, limited due to our critical health problems and our age.
We are hoping that reaching out through the CFPB will help resolve things quickly so we may have some peace as we work on improving our health.
WHAT WEVE PAID FOR SOMETHING WE NEVER WANTED, NEVER USED, AND WILL NEVER USE Despite not understanding how we ended up owing such a large amount of money or how a credit card was opened in our name, while we were going through our major health complications in late XXXX through XXXX, we paid the amounts seen on the document enclosed as ATTACHMENT 3. During that time, we did not have the time or energy to question everything and were afraid of what would happen if we did not pay all the bills we received. Only recently were we able, with the help of our son, to piece everything together. In total, we have paid {$36000.00} for something we never wanted and that we have never, and will never, use.
XX/XX/XXXX : UNEXPLAINED CHANGE IN INTEREST RATE AND PAYMENT AMOUNT We would also like to know why the monthly payment XXXX XXXX asked us to pay changed in XX/XX/XXXX. The Truth in Lending Act Disclosure given to us in XXXX ( enclosed as ATTACHMENT 4 ) showed that our monthly payment would be {$990.00} with an interest rate of 14.3969 %. This is the amount statements show we were billed ( and paid ) monthly in letters received from XXXX XXXX through XX/XX/XXXX.
The new monthly amount ( {$1000.00} ) was reflected in a letter from XXXX XXXX dated XX/XX/XXXX ( enclosed as ATTACHMENT 5 ). The letter displayed a list of possible explanations for the change in payment amount but none of those reasons applied to us. Specifically, all the reasons related to a change in how payments were made, including terminating participating in a XXXX XXXX, closing a designated bank account, not maintaining a sufficient balance in the designated bank account, stopping payment on the XXXX XXXX, revoking the XXXX XXXX authorization, and not making payments on the XXXX XXXX when due. None of these reasons apply to our situation because we never signed up to pay via the XXXX XXXX.
While we now see that a box on the TILA disclosure is checked that mentions XXXX, we were never provided a XXXX XXXX ( whatever that is ) to fill out and every monthly payment weve ever made was initiated by us after receiving a monthly statement. Why is XXXX allowed to put one payment amount and interest rate in an official disclosure and then just change it months later?
WHAT WE ARE ASKING OF XXXX AND BARCLAYS We recently received a letter dated XX/XX/XXXX, which states that our current balance for the XXXX loan is {$61000.00}. It was just {$58000.00} in XXXX. We think the balance on the Barclays card is around {$8200.00}. Weve paid these two companies {$36000.00} for absolutely nothing. Money that we desperately need to use to care for ourselves in our old age.
We are asking for the following : 1. Barclays : a. Return to us {$6200.00} that weve paid them.
b. Cancel any remaining balance.
c. Remove any negative credit reporting.
2. XXXX : a. Refund to us the {$30000.00} weve paid them.
b. Cancel any remaining balance and memberships.
c. Return to us either our XXXX XXXX timeshare ( so we can gift it to our children ) or the additional {$8200.00} at which XXXX valued our XXXX XXXX timeshare when they told us it was going away.
d. Remove any negative credit reporting.
e. Take back their timeshare.
If XXXX and Barclays refuse to do the above, we want them to explain to us ( and to the CFPB ) : 1. Why XXXX told us that our XXXX XXXX timeshare was going away and that we needed points to continue to vacation when we were there in XX/XX/XXXX. We now realize this was probably a lie.
2. Why XXXX decided to change the interest rate and payment on the XXXX loan nearly a year after they made a TILA disclosure reflecting a different payment and interest rate amount.
3. Why we were not given proper information about the opening of a Barclays credit card.
4. How much money they were paid when someone else used our timeshare interest in the past two years when we were unable to use it. We think they need to pay that money to us if they dont give us a refund.
Thank you to the CFPB for your assistance. And thank you in advance to XXXX and Barclays for helping to fix this situation and improve our lives.
Sincerely, XXXX and XXXX XXXX
|
| 01/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
In XX/XX/XXXX, I purchased a prepaid car rental through XXXX for a car rental in XXXX XXXX, FL.
On XX/XX/XXXX, I paid the full balance of {$230.00} ( amount of the car rental ).
On XX/XX/XXXX, I received a car from the car rental company ( XXXX ) in XXXX XXXX that looked like they retrieved it out of a swamp, i.e., doors where the tape had taped the door shut, and it smelled as if somebody had tried to XXXX themselves by smoking with the doors shut and the windows rolled up. We could barely ride to the XXXX with the windows down, whereupon we purchased vent deodorizers along with spray to neutralize the smell inside the vehicle, and sprayed the ceiling, posts, doors, carpet, and seats within the vehicle. We walked around while the car sat with the windows down until it dried and we could get back into the vehicle.
On XX/XX/XXXX, I contacted the rental car company which refused to answer their customer service calls, and had no online process. I went back through XXXX and explained the problem. I should have received a full refund, but anything at this point would have been a plus since I prepaid for this vehicle and they totally took advantage of me.
On XX/XX/XXXX, XXXX was able to provide me a {$50.00} credit back to my credit card after they spoke with XXXX. This was better than nothing. I saw this credit on the following XX/XX/XXXX statement. I did not request a refund as I had every intention of using the card again in the next 60 days.
The balance was {$0.00} with a credit balance of {$50.00}. On XX/XX/XXXX, the statement reflected a credit given on XX/XX/XXXX with a statement credit balance of {$50.00} on the XX/XX/XXXX statement. Same on the XX/XX/XXXX statement. However, their website reflected a credit balance still, so I wasnt concerned. Their website is very confusing with the credit balance versus the transaction balance.
Then on XX/XX/XXXX, they state on the statement that they mailed a check to me which never arrived at my home.... Ever, and still has not.
On XX/XX/XXXX, I had charged {$99.00} for a Wyndham Owners Weekend event, thinking that I would be able to utilize the {$50.00} credit towards this, since I had not knowledge that they arbitrarily mailed a check, which still has not arrived.
On XX/XX/XXXX, I called their customer service number regarding the confusion on their website about the {$50.00} credit balance and resulting {$0.00} balance showing, and the fact that they are now showing me owing them {$99.00}. I waited on line no less than 30 minutes due to call volume. Finally, a live female voice comes on the line, states that computers are down, information is not available, and call back, later and she then hangs up before I can say a word. I pay the {$49.00}. I also send a message through the message center regarding my credit balance. I have alerts set up on this account for just about everything. No response came to me via phone, text, nor e-mail. They just left a response online on the account which I did not see.
On XX/XX/XXXX, I receive an e-mail message that my payment is coming due for {$50.00}, and that {$27.00} is the minimum due. I call again, and wait on a representative. I called the dispute line.
On XX/XX/XXXX, I spoke with an XXXX regarding the XX/XX/XXXX check that was allegedly sent to my address which never arrived, that the statement credit only showed up on the XX/XX/XXXX statement the first time, and that this really did not fall in line with credit card company procedures for issuing a refund which never occurs in less than 60 days, and that at the time that I had made the {$99.00} charge, the online transaction portion was still reflecting a {$50.00} credit. She had me hold on line for 20 minutes while she was supposedly resolving this for me. According to her they were cancelling the check and mailing me the {$50.00}. I should receive it in the mail in 7-10 days.
On XX/XX/XXXX, I spoke with an XXXX @ XXXX XXXX., who still claimed that Barclay had sent me a check on XX/XX/XXXX. I asked to speak to a supervisor, XXXX. He proceeded to tell me that XXXX misinformed me and that she had no right to tell me that she could resolve this as the dispute would take 7-10 days to research and resolve. Apparently, customer service oversees the dispute department???. I ask about why when I wrote to them in XXXX as invited to do on XX/XX/XXXX when they hung up on me, and requested the funds why it was not researched and returned then. He had not answer. I requested that the {$50.00} be placed in dispute. He then told me that the {$50.00} was NOT in dispute at all that they had sent the check ( which never arrived - ever ). I informed him that I have not received any credit back to my account, nor received a check. He informed me that when Barclays has a debt that they pay it in a check form. This is now preposterous. It is usually back to the account in the manner in which it was paid. I have online statements. I pay via online transactions. I dont send them checks. This is absolutely ridiculous.
On XX/XX/XXXX, I then had to get online and pay the {$50.00} remaining from the {$99.00} transaction to protect my credit because I could not trust that Barclays would EVER refund my {$50.00}. After all, this was refunded by XXXX on XX/XX/XXXX, and I still did not have it, nor was able to use it in 4 months, even though Barclays claimed to have sent it to me on XX/XX/XXXX. By this time, I am convinced that Barclays or Wyndham is attempting to defraud me of my {$50.00}. I am convinced that Barclays or Wyndham or both are in serious financial difficulties if they must resort to defrauding customers or customer satisfaction refunds.
On XX/XX/XXXX, I called at XXXX XXXX, and spoke with a XXXX who placed me on hold while she pulled up my account. AGAIN verified my address for the umpteenth time ( as each person has done during these procedures and calls ), even though I had verified my name, SSN, DOB, Acct #, etc. 3 times before ever getting to speak to a representative, and then doing it again multiple times once I get to somebody. I told her my check still has not arrived. She placed me on hold while she checked resources. She provided me a case # XXXX,. Check should be reissued within 7-10 business days.
XX/XX/XXXX, I receive a letter in the mail via USPS which basically states : This letter is in response to your recent inquiry on your Wyndham Rewards Visa Card Account. We are currently unable to complete request. Please contact us at the number on the back of your card for additional details. We are available 24 hours a day, 7 days a week.
On XX/XX/XXXX, At XXXX XXXX, I call and speak with a XXXX ( female ), who informs me that they credited the {$50.00}. Back to my account. Im just stunned. I move online back over to transactions, and confirm that yes, there is now indeed, a {$50.00} credit placed back onto my account re : the XX/XX/XXXX check. I ask why as there is a {$0.00} balance on this account. She places me on hold while checking and then tells me that she has requested the check to be sent to me, and that it will be 7-10 business days.
Today is Saturday, XX/XX/XXXX. I have been attempting to either spend/utilize the credit of {$50.00} on my account, or to receive the alleged check for {$50.00} credit on my account again due to the ( XX/XX/XXXX check ) since XXXX, XXXX ( 5 months ). I feel like I am in a proverbial game of keep away. Frankly, I do not understand this. I pay my bills on time. I use my credit wisely. This is just beyond ridiculous.
Please help me get my {$50.00} back.
|
| 09/26/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
I am reporting this complaint on behalf of timeshare members who have reached out to me. XXXX XXXX is an obscure publication but we have received 150 timeshare complaints. We received the following six over the weekend. The company has responded by saying, " If something was important to you, it should have been added to the contract. '' The oral representation clause provides no means to stop deceit and bait and switch. After receiving the complaints over the weekend, I wrote this article for those facing foreclosure : XXXX XXXX XXXX It is not necessary to forward the complaints to XXXX XXXX. Nothing will happen. I am providing the information to the CFPB in the hope someday someone will care about deceit widespread and endorsed top down. I have interviewed or heard from ten current and former timeshare sales agents supporting the members ' complaints. One member in her XXXX fears she will lose her home because of a deficiency judgment, according to the person who reached out to me.
I also sent the complaints and the following note to the following individuals. Several families contacting us are financially devastated. All I can do to help them is direct them to file regulatory complaints. I would prefer you not contact XXXX. First XXXX and XXXX executives I learned wanted to accuse me of " Capping and Running '' or soliciting for lawyers. I am not compensated. I have received no compensation from any timeshare member or attorney in any form except several lawyers edit my articles. Next, I was told a XXXX attorney said I was practicing law which my lawyers say is nonsense. In other words, the goal is to behead the messenger. No attempt to my knowledge has made to correct deceitful practices. My husband is XXXX years old. I am XXXX. We were up-sold by XXXX. Our daughter lives in XXXX. We were told they were adding XXXX hotels. It would take {$12000.00} approximately in maintenance fee dollars to stay one week at the same hotel booked online for {$2800.00}, checking year round.
To XXXX XXXX, XXXX XXXX XXXX, XXXX PR firm XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX for Violating XXXX 's Code of Ethics XXXX XXXX XXXX : XXXX These are six complaints from the weekend from members who have reached out for help. XXXX refuses to help them. The response is, If it was important to you, you should have had it added to the contract or Your QA session was recorded.
I hope XXXX XXXX reads XXXX Code of Ethics after reading the complaints below. Out of 144 XXXX complaints, 139 allege they were upsold to the next loyalty level as that being the only way to sell points and the well-known XXXX cents point to pay maintenance fees, and the dueling agents from Hawaii and the mainland convincing the member they should not have purchased points from the other side of the ocean, although Hawaii complaints have slowed.
Complaints against the Virginia sales centers are increasing. In my opinion, the Virginia Attorney General, via XXXX, has no interest in pursuing complaints. Someone who worked the XXXX XXXX market for decades, hysterical over XXXX complaints warned me that the Virginia AG would take no interest.
There is no reason to send this report to XXXX. They could care less. I would like XXXX XXXX to know she is not alone. There are many telling us they will be forced to foreclose. Most can not afford a lawyer.
XXXX XXXX XXXX Complaints : # 139 - {$140.00} from XXXX XXXX through XXXX XXXX, 2017 Please help! We want to start a new class action lawsuit for XXXX XXXX XXXX. Besides the high pressure sales experience they straight LIED to us numerous times about their sampler package and are being given the round around every time I call. My husband and I could n't believe how much they lied about!
Then they went through a copy of the contract while they said our contract was " printing '' so assumed they were n't lying when they brought the real contract to find when we got home and tag through it more they were lying about that too!! After a hour tedious sales presentation where they make you feel like your not good parents for not taking your kids on vacation we were wore down by the time we did the sampler and did n't think legally they could lie pretending they went over the entire contract to find out we were just scammed into signing ... i am sure they do this to all their sampler customers so could be proven easy with some phone calls to sampler purchasers ( they also mentioned being bought out by a much larger company not too long ago but are keeping the XXXX XXXX name ).
# 140 Arizona resident When I researched what the sales agent told us we learned the sales agents lied so we cancelled.
# 141 A female in her XXXX is being helped by # 140 through the foreclosure process. She has depleted her retirement savings. She is in fear of losing her house because of a XXXX XXXX and Barclaycard payments. She can not travel so the points are useless. XXXX has been of no help. # 140 said she is contacting all their local television stations and newspapers.
# 142 We were told to buy points at the price we purchased because XXXX bought XXXX and they will raise the price per point to {$8.00}. We were not aware XXXX points are worthless on the secondary market.
Virginia Sales agent XXXX XXXX told us we would be able to refinance at XXXX XXXX at 6 % for ten years. XXXX XXXX does not offer this. Fees were not what they promised.
This is not the first complaint against XXXX XXXX. XXXX told him they will not cancel the loan and reminded him the QA session was recorded. I warned XXXX that recording the QA will only benefit XXXX. Typically, the sales agents say, dont tell anyone about this because it is not public and I could get in trouble or something similar. I have purchased points. The QA section is nothing but a checklist and by that time the buyer is so wiped out they just want it to end.
# 143 We were told to buy more points because we would be able to pay our maintenance fees with points and XXXX is starting a buy-back program next year.
# 144 is a XXXX XXXX. She is working on an article about the traveling band of XXXX XXXX XXXX.
Told the guy we were financially strapped and payments were too high. He said we needed to refinance and get " indemnity insurance '' ( has anyone heard of this? ). He was going to drastically lower our monthly payments AND we would no longer have to pay membership fees. We were ready to make it happen. Low and behold, he could n't make the payments as low as he thought, but they would still be lower than we were paying. But wait! There 's more! If we act immediately, he could almost triple our points for the low price of {$4000.00} ( which would be lumped in and our payments would be slightly lower than we are currently paying ). My husband looked at the paperwork and realized we were n't refinancing at all. We currently owe around {$12000.00}, and the new paperwork said over {$30000.00}! How can these people sleep at night?! We were talking about trying to get out of debt and the financial strain this has put on our family and they lie and deceive us to get us into more debt?! Thank goodness we ran before we signed.
When I asked the name of the resort and the agent : We have no resorts near us, so it was a group that travels around the nation to " help '' owners who ca n't attend one at a resort. It was in XXXX. The guy said he was n't a direct employee of XXXX, he was an XXXX XXXX hired by them ( to build our trust ... '' I know their dishonest methods. They wo n't tell you this, but I can because I have nothing to lose '' ).
|
| 08/17/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
To Whom It Must Concern : On XXXX XXXX, XXXX, I applied and was approved for a Barclaycard Ring MasterCard. The sole purpose of me getting this credit card is because they offered me promotional 15 months of 0 % interest on any balance transfers made within the first 45 days of opening this card. My intention was to transfer {$6000.00} from my XXXX XXXX XXXX XXXX XXXX platinum credit card to this card and pay it off with zero interest. While doing the online application for the card, there was an option to submit a balance transfer and I did so. It was indicated by a green check mark that my balance transfer had been submitted successfully and that it would take 4-6 weeks to process. On XXXX XXXX, XXXX, I received a letter from Barclay, dated XXXX XXXX, XXXX, stating my initial balance transfer was unsuccessful. I promptly called and spoke to XXXX ( Confirmation # : XXXX ) and she assured me that she would resubmit the same balance transfer and that it would be expedited to only take 7-10 business days. Even though she was unable to give me a reason as to why the first balance transfer failed, I would have to say that she was the most helpful Barclay representative that Ive spoken with to date. I patiently waited for this balance transfer to come through my XXXX account and finally, on XXXX XXXX, XXXX, my {$6000.00} balance transfer was accepted. A few days later, while making an online XXXX purchase with my XXXX checking account, XXXX informed me that debit card was invalid. I double checked the numbers and it still gave me an error. I promptly logged into my XXXX account online and was shocked to see that on XXXX XXXX, XXXX, {$6000.00} had been taken out of my XXXX credit card as a STOP PAYMENT on the Barclay balance transfer that had already been approved and accepted. This caused me to go over {$2000.00} into the negative as I had now exceeded my credit line with XXXX. This also caused a stop payment on an online purchase I had made earlier that day with my XXXX credit card, and put a freeze on my debit card and any checks coming through ( causing XXXX to not recognize the account ). I immediately called Barclay but could only be told a Manager would call me back within XXXX. Finally, on XXXX XXXX, XXXX, I was able to speak with XXXX, who stated he was a Manager with Barclay ( Confirmation # : XXXX ). After several HmmmI dont knows, he proceeded to tell me, with lack of empathy or willingness to resolve my issue, that the second balance transfer submitted on the XXXX of XXXX had been kicked back by the 3rd party who issued the check due to an invalid account number. At this point, I got XXXX from XXXX on the line, and asked if she could verify the account number with XXXX from Barclay. The account number was correct and she confirmed that there was no mistake on my part as the customer. All of the information I had given Barclay regarding the balance transfer was correct. The three of us were on that phone call for two and a half hours and the primary reason was due to XXXX lag and sheer indifference to my situation. My dissatisfaction as a customer with Barclay Bank did not seem to matter to him one bit. Not only did he never recognize the mistake that his financial institution had made ( he blamed it on the 3rd party that had issued the check ), but he never apologized for the subsequent hardship it had caused me. In fact, when XXXX asked him to send over a fax or email confirming that the balance transfer error was not caused by me, so that she could at least unfreeze my debit card and give me access to those funds, XXXX wasnt even cooperative. I have truly never experienced anything like this. Feeling defeated and in desperate need to get my accounts back to normal, I asked him to put through a third attempt on the same balance transfer, hoping everything would eventually be resolved between my Barclay and XXXX credit accounts. He read me the required recording, I verbally accepted, and then when I asked if he could guarantee that the same error would not happen again, all he could say is that there was no way to guarantee that. Still, I was hopeful that with speaking to a Manager and having plenty of notes in my account with Barclay, this would be the last time I had to speak with anyone at Barclay about an issue. Two days later, on XXXX XXXX, XXXX, I was having tapas at a local restaurant. I attempted to use my Barclay card to pay for my {$6.00} tab and my server politely advised me that my credit card had been run through twice, and twice declined. How could this be? I knew I had over {$500.00} in available funds and this is after the balance transfer had been submitted for {$6000.00}. One would typically feel embarrassed in this kind of situation but I felt relieved. I knew that this was absolutely the final straw on this Barclay account. I quickly paid my server with cash and called Barclay one last time. I was surprised to automatically be transferred to fraud protection where XXXX asked to verify my account. When I asked her why my credit card had just been declined, she told me that since my third balance transfer had not been verified, my card was put on hold. I was enraged. How could my balance transfer have not been verified when I was on the phone with a Manager for two and a half hours and he had a recording of me saying to proceed with the transfer? She said that two managers had called me the next day and I had not been able to be reached so they CANCELLED the third balance transfer. If it is Barclays policy to verify a balance transfer with a Manager call back ( which Ive absolutely never heard of ), then why did XXXX not inform me of that incoming call during our conversation? I was not under any impression that I should be waiting for a XXXX # to call me in the coming days and, like most people, I do not pick up calls from phone numbers I do not know. Just two days earlier, when I had asked XXXX if there was anything else I needed to do on my end, shouldnt he have told me that? I was a 100 % certain I had done everything right on this third balance transfer and somehow, I still failed to get my money. This is when I asked XXXX to transfer me to Barclays Cancellation Department. Up until now, having dealt with subpar professionalism, and, unenthusiastic, mediocre customer service, I was hopeful that at least the Cancellation Department would fight for me as a customer. I have good credit, I have good history with my other financial institutions, I really thought whoever I got on the line would really feel for my situation and try their best to make an effort to keep me as a customer ; to right their wrongs. I got XXXX XXXX she said her initials were : XXXX ) and much to my dismay and disappointment, it was very evident in the beginning of our call that she was not there to save customers. She seemed to be reading off of a script and after I gave her an exhausting but concise summary of what an awful experience I had had dealing with her institution, she didnt so much as let out a sigh. I believe her exact words were ok as she continued on with her script, as if nothing I said meant anything to her. There was no apology, there was no regret, there was not even an offer to make it right. Maybe I was nave to have hoped for more. It actually became comical when she restated that I would lose my promotional 45day 0 % balance transfer feature should I cancel my card, to which I replied to her that I had not received one benefit to this card and that would be quite alright.
|
| 12/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/2022 Barclay Bank received AND cashed a complete payoff check in the amount of {$10000.00} sent to them on my behalf by XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXXXXXX XXXX. That payment was never reflected on my account. Barclay Bank has continued to charge me interest since cashing my check and has continued to auto withdraw my minimum monthly payment from my account.
After becoming aware of the continued theft on or around XX/XX/2022 I called Barclay Bank. A Barclay support XXXX ( name unknown ) instructed me to send proof of payment to XXXX. That email bounced. On or around XX/XX/2022, I again called Barclay Bank to confirm/correct the email address. A Barclay support agent named XXXX instructed me to send the proof of payment to the email address XXXX. XXXX also indicated that she would place a request for the interest charges to be returned to me.
On XX/XX/2022 at XXXX, I was called directly by Barclay Bank fraud department due to suspicious activity. The fraud department agent resolved the fraud concern and requested a new card. I then requested to be transferred to the resolution department to confirm that my case had been created with Barclay Bank. The fraud agent transferred me to a general support and I again requested to be transferred to the resolution department. The agent transferred me to an agent that identified himself as XXXX, a resolution department manager.
I reviewed my complaint with XXXX and he indicated to me that the two previous support agents provided me with false information, and that he would document his concerns on my account. He further explained that Barclay Bank does not accept documentation regarding resolutions via email at all-ever, and that there is no request or form that XXXX is authorized to make regarding my interest charges. He then instructed me to fax my proof of payment, the check number, the account number, and a front/back copy of the check to the fax number XXXX.
At the conclusion of our conversation at XXXX, XXXX indicated that he has thoroughly documented my complaint and our conversation. He instructed me to call the general support number back after submitting the requested information, request the general support agent transfer me to a manager in the resolution department and ask the resolution department manager to review the notes on my file so that I would not have to continue repeating my story each time I call back in.
After the call with Barclay Bank, I contacted my financial officer ( XXXX XXXX ) to see if she could provide any support in this resolution process and provide me with the information XXXX requested from me. She indicated that she would be reaching out to Barclay Bank directly. After leaving XXXX 's office, I was advised by my attorney to contact Barclay Bank to request my complete consumer file from them and to request that Barclay Bank stop stealing money from me and to freeze all account activity, to stop charging me interest, and to stop taking my minimum payments until this case is resolved.
I again called Barclay Bank on XX/XX/2022 at XXXX, requested to speak with a resolution department manager, and requested that the XXXX department XXXX ( XXXX XXXX ID # XXXX ) review the notes on my account. She stated that there were no notes on my account regarding the issues in resolving this case. I then spent approximately 1 hour and 35 minutes again reviewing my entire case and finally getting it documented. XXXX ( Agent ID # XXXX ) indicated that it was actually XXXX that had provided me with false information and NOT the two first agents that told me to email. She indicated that she will note the misinformation on my account. She further clarified that she also noted XXXX 's failure to note and document our conversation as promised by him.
In working with XXXX ( XXXX ID # XXXX ), she created a resolution case with me on the phone. She provided me with the resolution case number XXXX. I provided her with the previous email attempts, and a front/back copy of the check that I was able to obtain from XXXX XXXX XXXX She indicated that I would need to send a letter requesting my complete Barclay Bank account file ( inclusive of all call logs, all agent ID # s, all notations on my account from calls, and the recordings of my calls ) to the fax number XXXX. I will submit a request for that file by XX/XX/2022.
I also requested if XXXX could freeze my account and payments. She indicated that she was not authorized to honor that request, but that she will submit it to some sort of escalation team, and that I should expect a call from someone on the escalation team within 24-48 hours. She also indicated that she will be requesting that the escalation team review all of my call recordings, and that she was creating some sort of complaint case for that escalation team. The escalation team complaint case number provided to me by XXXX is # XXXX. The call with XXXX concluded at XXXX.
On XX/XX/2022 at XXXX, I received a call from Barclay Bank phone number XXXX. The caller failed to leave a voicemail. In attempting to return the call, a recording indicated that the number was for outgoing calls only. I then called the XXXX call back line ( XXXX ) provided to me by XXXX at some point during our previous call. I was connected to an Agent ( name unknown ), but I could not hear her because of her poor connection. She then attempted to correct her connection issues and returned to the call, but the quality of her connection remained poor. She then placed me on hold. I believe at that time the agent, without informing me, transferred me to another agent. This alleged new support agent identified herself as XXXX ( XXXX ID # XXXX ).
XXXX indicated that she was a XXXX XXXX XXXX. She asked how she should help me. I stated to her that Barclay Bank in fact called me, and that I was returning the call. She then looked at my account notes and indicated that it was possible the escalation team was attempting to reach me, but that she had no further information. She informed me it was " above her head now, '' and that she was unable to help me. I then requested that XXXX transfer me to the escalation team or the escalation team member that attempted to contact me. XXXX indicated that she was unable to do so and that there was nothing she could do for me.
After expressing disbelief to XXXX, I asked her to confirm the current facts of the call- that Barclay Bank called me, did not leave a voicemail or return contact information, that I had in fact reached Barclay Banks XXXX XXXX call back line that customers are supposed to use to return phone calls to managers, that she was unable to assist me, that she was unable to transfer me to the escalation team or the escalation team member that attempted to call me. She confirmed my summary to be accurate. I then asked her what the next steps are since I apparently can not initiate contact. She indicated that I have to sit around and just hope for another call back from the escalation team and hope even further that I am available when they attempt to call me again at an unidentified point in the future.
I am also concerned about the annual fee being charged to my account. I am currently of the recollection that my annual fee was to be $ XXXX {$99.00}. The annual fee was not a promotional annual fee. My statement now indicates that my annual fee is {$190.00} as charged to my account on XX/XX/2022. I expect Barclay 's to address this concern as a part of my overall complaint.
|
| 02/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
A. XX/XX/XXXX : XXXX XXXX flight XXXX XXXX XXXX XXXX XXXX XXXX ) Stewardess announces XXXX free airline miles + other benefits to fill out XXXX XXXX XXXX XXXX Application before end of flight. She travels down the aisle passing out applications.
XXXX ) I fill out the XXXX XXXX XXXX paper Application : Contains my name, address, date of birth, social security number, income, mothers maiden name, my signature and the XXXX Promotion code # XXXX. ( I have attached picture of my filled out application. ) XXXX ). I hand my completed XXXX XXXX XXXX XXXX application to the stewardess who collected them as the plane landed in XXXX. XXXX anxious to get the card and use the benefits.
XXXX XXXX XXXX From : Frontier Airlines XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX EST To : XXXX Subject : Your account is now active Hi XXXX, Just a note to confirm that we've activated your FRONTIER Airlines XXXX XXXX on XX/XX/XXXX. Get to know all your great benefits at XXXX.
If you did not activate your card, please call us immediately at ( XXXX ) XXXX.
- XXXX XXXX XXXX from : From : Frontier Airlines XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX EST To : XXXX Subject : Account Alert : PIN change Hi XXXX, We're confirming your recent request to change the PIN for accessing your account ending in XXXX on XX/XX/XXXX.
If you do not recognize this request, please contact us immediately at ( XXXX ) XXXX.
XXXX XX/XX/XXXX : I read both emails very early morning, ( XX/XX/XXXX ) and dial ( XXXX ) XXXX immediately. XXXX. I state : I never received a XXXX credit card. Neither did I activate or change a PIN number. I have no information on any of this and in fact I was watching my mail for the card because I wanted to use its benefits. Representative stated : card was used., I will close it and ID fraud and send you a new card. I say, Yes, close it immediately, I did not receive any XXXX Credit Card.
- XXXX ). About XX/XX/XXXX : I received the XXXX XXXX issued XXXX. ( Card ending in XXXX ). I put it aside and Did NOT activate it.
F ). XX/XX/XXXX : I receive letter from XXXX : dated XXXX.
Account ending in XXXX.
Re XXXX XXXX XXXX XXXX : This Letter is a response to your question about a XXXX charge from XXXX # XXXX on your account. We issued a provisional credit to your account for the full disputed amount on XX/XX/XXXX while we investigated this activity. XXXX completed the investigation and found that the activity is valid. Therefore the provisional credit has been reversed and the amount owed has been placed back on your account. subject to minimum balance and interest, Questions or concerns to XXXX XXXX XXXX.
XX/XX/XXXX. I call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I speak to C : I recant the entire story.
XXXX I never received a XXXX card ending in XXXX. It was closed and fraudulent activity noted by XXXX.
XXXX ) - I received the XXXX XXXX XXXX ending in XXXX but it was never activated. This is a real big problem. Close out this account too.
XX/XX/XXXX XXXX transfers me to XXXX, account specialist. I recant the whole story again. XXXX reopened XXXX case # XXXX. She confirmed that the XXXX XXXX XXXX ending in XXXX was never activated. She said I would get a call back and that there was a XXXX XXXX XXXX in progress that was automatically generated from the XXXX card cancellation. I said, absolutely not. I dont trust this card or customer service to get it right and frankly the fact that a stewardess collected paper applications with heavy personal content tells me that XXXX XXXX XXXX opportunity for internal security breach. I requested and received phone number XXXX XXXX XXXX for XXXX from XXXX.
XX/XX/XXXX. I call XXXX XXXX XXXX XXXX to inquire about the {$720.00} purchase. A Fraud person calls me back XX/XX/XXXX while I was driving. I told the XXXX fraud person all events. Person said XXXX large gift cards were purchased at XXXX located XXXX XXXX XXXX XXXX NJ with the XXXX XXXX. XXXX was made by scanning the plastic credit card around XXXX XXXX on XX/XX/XXXX, - XX/XX/XXXX. I call XXXX XXXX XXXX XXXX XXXX XXXX XXXX for an update. I spoke to XXXX who was VERY difficult and said the XXXX case was closed because I said I had the credit card. ( What???? No first card received and XXXX card was not activated ). And as he barked orders that it was my responsibility to disprove that the {$720.00} was not mine, he said this account remained open, which I later confirmed was incorrect. ( Account was closed and the XXXX $ annual charge was removed,. I am very annoyed that this guy XXXX @ XXXX XXXX XXXX is providing such a lack of customer service.
- XX/XX/XXXX. I call XXXX XXXX XXXX XXXX XXXX to ask more questions. She referred to XXXX case # XXXX. I gave her the XXXX XXXX # XXXX updates so she could add to XXXX case which had been closed. XXXX specialist will call me and provide their documents. I gave her the rep, XXXX name and phone contact. She said it sounds like XXXX XXXX may have internal gaps and airline stewardesses should not be handling paper applications with highly confidential content, - XX/XX/XXXX. I call XXXX XXXX NJ Police XXXX XXXX XXXX. XXXX. XXXX # XXXX. XXXX XXXX. He writes up XXXX XXXX XXXX facts in Fraud Report # XXXX. Report will be released to me until XXXX days, but Credit card security can call at any time.
- XX/XX/XXXX. I call XXXX back to give updates for case XXXX and XXXX and XXXX XXXX police case numbers. XXXX XXXX XXXX says she cant take any of their information and if I have anything additional to add, send to fax # XXXX XXXX XXXX.
- So heres where I stand : I am not going to pay for fraud. I will never use Barkleys or XXXX of their products again.
I have an XXXX credit score to protect. I also have to protect my identity : social security number, mothers maiden name, my birth date, phone number, address, income and signature - all because I was a victim of fraud through XXXX. Ive now signed up for XXXX cyber security, and have locked all XXXX credit reporting accounts and am doing my best to deter the use of my private information.
Facts : XXXX XXXX XXXX has taken no responsibility for {$720.00} fraud. I have now spent hours on a problem I did not create.
**XXXX has serious security gaps in their credit card processes : XXXX ). Paper applications with confidential content should not be solicited or handled by airline employees. No security XXXX ). A XXXX XXXX XXXX PIN can be changed XXXX simply using a social security number and mothers maiden name. Low level security XXXX ). Social security number and Mothers maiden name are written on all XXXX XXXX paper applications. No security **I notified XXXX on XX/XX/XXXX, immediately upon receiving their email informing me that XXXX ) card ( ending in XXXX ) had been activated XXXX ) card ending in XXXX pin had been changed- I stated to them on XX/XX/XXXX that any charge was FRAUD as I never received the card ending in XXXX.
***a Dispute Resolution letter Referenced XXXX {$720.00} charge to card ending in XXXX made on XX/XX/XXXX, and disputed on XX/XX/XXXX.
Card ending in XXXX wasnt created at that time or activated ( then or now ) as confirmed by XXXX Acct Specialist, XXXX And- the first card never arrived.
In Mail fraud, the fraudster would NOT have access to my mothers maiden name in order to change the card pin. But my mothers maiden Name was written on the paper application and handed to the flight stewardess. I appreciate your help to resolve.
Thank you.
Sent from my XXXX
|
| 08/25/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I apologize for the wall of text ; my paragraphs do no seem to show up.
My XXXX credit card sent me some of those promotional checks with 0 % interest for X months with a 1 % fee. A month after it expired I messaged customer service and asked if they were running any promos like that. I was told that check would still be good to use and so I did. Now they are charging me interest and saying because it was cashed a month after the promo they can charge interest and they also charged a 3 % balance transfer fee instead of the 1 % What are my options here? I have what they said all in writing on my cc 's messaging system.
Customer ++++ via CSS WebXX/XX/2017 XXXX:XXXX XXXX Hi, I was sent some promotional 0 % cash advance checks a while back. I thought the offer expired XXXX XXXX, but it was XXXX XXXX. Is that promotion still available? Thank you!
Response Customer Care via Email0X/XX/2017 XXXX:XXXX XXXX Dear ++++ : Thank you for contacting us regarding your XXXX XXXX XXXX XXXX XXXX We can certainly address your inquiry regarding promotional checks on your account.
We are happy to inform you that on XXXX XXXX XXXX we sent you promotional checks to the address on file. These checks carry a promotional rate of 0 %, these checks should be processed on or before XXXX XXXX, XXXX. You can most certainly use these checks to pay select merchants or deposit them onto your bank account for cash. We hope you find this information helpful.
Your business is much appreciated and we will do our very best to continuously meet your credit card needs. If you have any other questions or concerns, please reply to this message.
Sincerely, Customer Care Customer ++++ via CSS WebXX/XX/2017 XXXX:XXXX XXXX Okay thank you, the paper I received says XXXX XXXX. It 's actually XXXX XXXX?
Response Customer Care via EmailXX/XX/2017 XXXX:XXXX XXXX Dear ++++ : Thank you for contacting us regarding your XXXX XXXX XXXX XXXX XXXX We can certainly address your inquiry regarding promotional checks on your account.
We are happy to confirm that the checks we sent to you carry a promotional rate of 0 %, these checks should be processed on or before XXXX XXXX, XXXX. We hope you find this information helpful.
We would like to take this opportunity to let you know that we are honored you have chosen us to be your financial institution. If you have any other questions or concerns, please reply to this message.
Sincerely, Customer Care Customer ++++ via CSS Web XXXX/XXXX/XXXX XXXX:XXXX XXXX Why am I getting charged a balance transfer interest and balance transfer fee? I used the 0 % cash advance check Response Customer Care via Email XXXX/XXXX/XXXX XXXX:XXXX XXXX Dear ++++ : This is in reference to your XXXX XXXX XXXX XXXX XXXX We are responding to your concern regarding the convenience check on your account.
Upon review, we see that on XXXX XXXX, XXXX we sent you promotional checks to the address on file. These checks carry a promotional rate of 0 % until XXXX XXXX, XXXX, with a transaction fee of 1 % per amount of transaction, minimum of {$5.00}, no maximum fee. However, in order for you to take advantage of this offer, checks must post to the account on or before XXXX XXXX, XXXX. Our records show that the check for {$6700.00} posted on your account on XXXX XXXX, XXXX. Thus, we regret to inform you that the standard annual percentage rate XXXX APR ) for balance transfers which is the Prime Rate of 4.25 % + Variable Rate of 15.74 %, currently at 19.99 % is being applied to this transaction.
Moreover, please note that balance transfer have no grace period and will accrue interest once they have posted to the account. Interest will continue to accrue until that balance has been paid in full. This may mean you will have a residual amount of interest on the statement following the pay off.
You may verify this transaction through the 'Transactions ' tab. To view this, select the 'Activity & Statements ' tab located at the home page. You may choose to view 'Posted transactions ' and can filter the time frame by using the drop down menu and select either transactions 'Since last statement ' or previous statement dates. We hope you find this information helpful.
Though we were not able to meet your needs at this time, please know that we appreciate your business and we are looking forward to catering to your future financial needs. If you have any other questions or concerns, please reply to this message.
Sincerely, Customer Care Customer ++++ via CSS Web XXXX/XXXX/XXXX XXXX:XXXX XXXX Do I need to call someone to sort this out? Before I used that check I asked about the promo, it is all in my previous messages on here. The response I was given was : Response Customer Care via Email XXXX/XXXX/XXXX XXXX:XXXX XXXX Dear ++++ : Thank you for contacting us regarding your XXXX XXXX XXXX XXXX XXXX We can certainly address your inquiry regarding promotional checks on your account.
We are happy to confirm that the checks we sent to you carry a promotional rate of 0 %, these checks should be processed on or before XXXX XXXX, XXXX. We hope you find this information helpful.
We would like to take this opportunity to let you know that we are honored you have chosen us to be your financial institution. If you have any other questions or concerns, please reply to this message.
Sincerely, Customer Care Response Customer Care via Email XXXX/XXXX/XXXX XXXX:XXXX XXXX Dear ++++ : Thank you for contacting us regarding your XXXX XXXX XXXX XXXX XXXX We can certainly address your inquiry regarding promotional checks on your account.
We are happy to inform you that you can most definitely take advantage the promotional checks that was sent to you. You can most certainly use these checks to pay select merchants or deposit them onto your bank account for cash. We hope you find this information helpful.
We would like to take this opportunity to let you know that we are honored you have chosen us to be your financial institution.
If you have any other questions or concerns, please reply to this message.
Sincerely, Customer Care Customer ++++ via CSS Web XXXX/XXXX/XXXX XXXX:XXXX XXXX I took advantage of the 0 % promotional check that was sent to me. I deposited it into my own bank account for cash.
Instead of the 1 % fee I was charged a 3 % balance transfer fee. Also, you have been charging me interest on the 0 % promotion.
Response Customer Service via Email XXXX/XXXX/XXXX XXXX:XXXX XXXX Dear ++++ : Thank you for contacting us regarding your XXXX XXXX XXXX XXXX XXXX We can certainly address your concern regarding the check used on your account.
We apologize for the confusion regarding the checks that was sent to you. Upon review, we see that we sent promotional checks on XXXX XXXX, XXXX and XXXX XXXX, XXXX.
Our records indicate that you have used the check that was sent on XXXX XXXX, XXXX which has 0 % promotional interest rate with 1 % transaction fee that must be completed on or before XXXX XXXX, XXXX. The check has posted on the account on XXXX XXXX, XXXX. Therefore, the promotional rate was no longer available and was not applied on the account. We hope that we have been able to clarify the situation. We hope you find this information helpful.
We would like to take this opportunity to express our gratitude for your business. If you have any other questions or concerns, please reply to this message.
Sincerely, Customer Service
|
| 06/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
My name is XXXX XXXX I am Barclays Arrival+ card holder. I am writing in regard to unauthorized charges on my account and unfair treatment by Barclays fraud investigations representatives and denial of fair investigation of my case.
In early XXXX there were unauthorized transactions on my credit card, as I found out about it I have reached out to Barclays right away and have let them know about unauthorized transactions. In that conversation I have mentioned that the card was most likely stolen from my car, thats where I believe I had it. I was asked few questions and then I think I have asked representative if I need to file police report. To what representative told me that I dont need to file it. The credit for unauthorized charges was issued. On XX/XX/XXXX I have left for my month-long business trip to XXXX, returning on XX/XX/XXXX. I have prove of my absence in my passport showing stamps of entering and exiting XXXX countries. In my absence there was a mail sent that was asking me to affidavit that the card was stolen, and that I dont know the person who did still it. I have sent that document in few days after my arrival to USA and saw that the earlier credit was reversed. Then I tried reaching Barclays in regards to that reversal, and at that time it was full blown pandemic and I couldnt reach anyone. After numerous calls I was able to reach someone at customer support and they told me that fraud investigations department is closed due to Covid-19. I have asked if I can pay this card now as I have few days left before past due date and then keep disputing charges. Customer service rep told me yes that this shouldnt be an issue and that it will not have affect on my dispute.
Three weeks ago, I was finally able to reach to fraud investigations department and spoke with XXXX. XXXX has advised me then to file a police report and send it with letter. I am 99 % sure that on first call when I reported unauthorized activity I also asked if I need to file a police report, but was told that Barclays doesnt need it. Now 3 months later Barclays is asking for police report and police says that its too late and that they cant do investigation as car was washed and most evidences where removed from car by now. In case if I even didnt ask why you waited for so long to request a police report, you deal with such situations on the daily bases and request a police report only 3 months later knowing that its too late to obtain that police report. I was supposed to be advised on first call to obtain the police report. Arent you dealing with such cases on daily bases, and if police report is one of major documents for this investigation why instead of encouraging me to obtain one you rep told me not to get one?
Then I placed multiple more calls trying to understand why this credit was reverted and how I can get fair assessment of this dispute. However, when I reached out to fraud investigation, rep told me that there was a valid charge on the account and right away I told its mistake. Right away I reviewed my account and there was a valid charge which is your annual membership fee. So yes, it is valid charge automatically charged by Barclays every year, but what I have to do with it? Then I had another call, when I tried to explain that its absurd to use automatic annual fee charge as bases to deem fraudulent transactions as authorized. Then new rep by name of XXXX told me that there were other transactions in XXXX that were not approved after unauthorized transactions and that those were deemed valid as thats what I have said to some rep on the phone. I disagree with that as I remember this conversation and that I told specifically that my card was stolen and when rep asked if those transactions were valid, I asked what she means, and she asked if the card was present when transaction were made? To what I replied probably as they have my card and the transaction would go through only with chip. In this context it was obvious that I was referring to them stilling my card and physically using it. But Barclays chose to shuffle the words and make representation that I have said that the charges made after unauthorized charges are authorized. There is a difference between card present and authorized charges, this is misrepresentation and almost fraud! Then XXXX the rep told me, why did you pay then if it wasnt you who made those charges? I wouldnt pay it if it wasnt my charges. What a great way to back the validity of the argument! Well, I paid because I care about my XXXX credit score and because I will need my credit history throughout my life and there is nothing wrong with me paying it not to be reported late and continue to pursue fair resolution of this investigation. I placed multiple other calls with Barclays and every time I was given really ridiculous reasons why these charges are valid and dispute cant be reopened. For example, I spoke with rep XXXX on XX/XX/XXXX or XX/XX/XXXX and she told me that those charges are valid because XXXX was able to verify me. When I asked how XXXX verified me, she replied that my name was on the receipt. Well, I told her that card has my name on it and my signature on the back so how does that make this verified transaction? She told me that my signature/name is verified and matching. I told her that this is impossible and asked her to review that signature, when she pulled up receipt, she told me there is no name or signature on the receipt. Then she told me that apple verified me by my social security number. And quite honestly, its just a ridiculous misrepresentation because every household has an apple product and never anybody had to verify they social security number to make a purchase at XXXX. This is huge misrepresentations and to some extend fraud if not to big extend.
All that being said, I have an extraordinary amount of stress being caused to me with this unfair investigation and misrepresentations of Barclays employees basically accusing me in fraud while misrepresenting facts and committing fraud themselves. And based on my recent conversation with manager XXXX he understood the situation and advised me to write 2 letters, one to fraud investigations department and another one to executive office. He told me that the case most likely will be reopened and will be given fair assessment. I am writing this letter to request a fair investigation and to assign a single contact person to my case that would be able to examine the entire case and listen to all phone conversations and see what really is true and whats not. Also all reps at Barclays need a better training to resolve fraud issues, however it looks like they were trained to brush clients off with giving 100 misrepresentations to back the denial of dispute. Please be advised that if you will deny me in reopening my case and fair investigation of it. I will turn to CFPB, governor XXXX and senator XXXX to protect my rights. And if they will not be able to help me, I will file a law suite against Barclays Card and sue for unauthorized charges, stress that I had to go through, loss of time, interest on my money and legal fees for attorney. Will also get the press involved telling the story of how I was mistreated and what ridiculous statements were made by your reps. All I want is fair investigation please.
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| 09/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Around XXXX on XX/XX/2019 around XXXX XXXX XXXX XXXX, MA XXXX, I crashed and totaled my car. I called around to see which towing company could tow my car home so I could deal with both the car and insurance in the morning. Only Road Assist " XXXX XXXX '' picked up. They asked me to sign a document and pay ahead of the service and that once payment was confirmed, I could go home and wake up with the car in front of my house.
Unfortunately, upon waking up at XXXX, my car was nowhere to be found.I called them to ask them where my car was. Turns out, this is a third-party towing company ( or even a fake onee ) with zero towing trucks of their own. They have since closed down their business/their phone number is filled to the brim with voicemails. They make money by having desperate people call them and then calling actual towing companies to tow callers ' car and taking a portion of the payment, which is why they ask for payment upfront. ow do I know that? Because the man that they sent to tow my car couldnt find my car and called me. I asked him what company he worked for and why he came to the site at around XXXX, when I had asked for my car to towed at XXXX. He replied that he had gotten the call from Roadside Assistance at around XXXX, strangely around the time I called them in the morning asking where my car was and not when I called them initially to have my car towed. I believe his man is probably the one that signed the receipts at XXXX with the XXXX ( check? ) signature that they are touting as me signing the receipt and paid without any issues. Even if I ever wanted to sign a quick signature, itd be at the least the XXXX portion of my signature and not a XXXX.
I XXXX to where my car was crashed at around XXXX after hearing that the man they sent couldnt find my car and in fact, couldnt find the car. I spent the next 2 hours trying to find out where my totaled car had gone, calling multiple police lines and different towing companies. It turns out police had towed my car at XXXX to XXXX XXXX yard. I had to then go there, sign, and then pay both the tow to the yard and to have my car towed to the garage to be inspected. I have attached the receipts. So not only did this company not even attempt to tow my car in the morning when I called, the person they called arrived so late that they were 5-6 hours past my car being towed.
I call the merchant politely asking for a rightful refund, as I had not received the services they had promised, and at this point I was on track to pay 3 different towing expenditures, one of which had not even seen or touched my car. They asked for a {$100.00} fee for their time and having sent out a man to the site. They did in fact send a man, yes, I wont deny that. But they sent the person 5-6 hours after my car got towed and then did not do anything. Is that my fault that I have to pay for their negligence and lousy work?
At this point, I opened up a dispute case with my credit card company, Barclays US, who unfortunately had just as much negligence on their part handling this case. After getting off the phone with Barclays, they said they would handle it. I did not hear from them until 3 months later, XX/XX/XXXX saying that they had decided in the merchant 's favor. Not once did Barclays US ever communicate to me, by mail, phone, or email asking me for my evidence. Our only interaction was late XXXX when I opened up a dispute on the transaction. The XX/XX/XXXX letter, dated XX/XX/XXXX, said I had 10 days to reply with my counter evidence to the merchant 's " evidence. '' I've since have been trying to get Barclays to reopen the dispute but they refuse to since I replied " too late. '' The merchant sent in forged signatures and a " job completed '' screenshot of their logs.
I received a service call from Mr. XXXX XXXX, arrived at his location and provided him with the price and scope of the service prior to starting. He agreed to our terms of service and authorized the work, I completed the job to the customers satisfaction and he signed the attached receipt and paid without any issues.
Yes. He did indeed receive a service call from me, Mr. XXXX XXXX. This proves that he never once saw my credit card in person nor me in person as we only had contact over the phone and he had misheard my name. No, he did not arrive at my location and provide me with a price. He told me the price over the phone and that I had to pay online prior to him getting a person out to my location. No, he did not actually come out in the end, he hired another towing company to do so the next morning. He did not complete the job as my car did not end up in front of my house. I did not sign the attached receipt because I was never there at XXXX. I had come only after the man they sent couldnt find my car and went home. The only person that signed that receipt was probably the towing company they had hired. I was asked to pay PRIOR to starting, simply look at the time when the credit card was charged. Also paid without any issues? I contacted him with many issues after the job was complete. This company must be withholding the multiple phone calls I had asking where my car was, asking if they could cancel their lousy service, and asking if they could cancel the charge because they didnt even touch my car and that it had been towed by police. He did not attempt to call me of recent. In fact, they were rude when I originally had called for a refund before the dispute.
A copy of a job complete from their very own system? Of course, theyre going to mark it off as complete and not incomplete. It is absurdly biased evidence. Also note that they admit that I called at XXXX and they completed their job at XXXX. Really? 8 hours later? My car got towed at XXXX.
The fact that my car ended up at XXXX XXXX in XXXX XXXX is enough proof that this company never touched my car. There would be no chance that I would purposefully tow my car to XXXX XXXX yard, to tow it back home only to dispute my charge with this company. I wish there was a way to have these indecent people punished. I should honestly be taking {$200.00} from them instead of them trying to. They have intentionally fabricated fraudulent evidence in a shameless attempt to deprive me of my funds and honestly should be prosecuted in one way or another.
Please see attached copies of my signature and copies of the receipts of my car actually being towed by XXXX XXXX at XXXX. The Merchant claims my car was towed at XXXX. I have been scammed by this lousy " towing company '' and Barclays US has been a negligent bank that won't stand up for its customer. I have asked Barclays to reopen my case 3 separate times but they have insisted that I have replied too late.
Simply said, they sent a letter dated XX/XX/XXXX, after allowing the merchant to respond, I received it XX/XX/XXXX and replied XX/XX/XXXX, but Barclays just insists that I replied too late. I never had a chance to present my evidence or case and feel I have been unfairly scammed by two different companies. I have asked for certain documents from Barclays US but while they insist theyve sent it, its been months since. If you could, please ask Barclays US for the merchant 's " evidence. '' and compare their times, dates, receipts, and signatures to what I have attached.
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| 02/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Delay in processing application
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Web |
Servicemember |
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On XXXX XXXX I applied online for an American Airlines Advantage Aviator Red World Elite Mastercard issued by Barclays and provided all requested information. Approval odd were excellent, and I had several preapproval offers options from multiple other cards issuers to include other AAdvantage card. I have excellent credit and no issue obtaining credit elsewhere. I received a letter on XXXX XXXX from Barclay stating they need a Driver License/State/Gov ID, Social Security Card, current utility bill and bank statement to verify my address and had 30 days from date of letter ( XXXX XXXX ) to provide. The form letter had no phone number, no email address, no contact name, just a po box address to mail documents. This should have been my first flag, it just didn't feel right ; I attempted to call the customer service number on the website, but its a series of prompts that will not take you to a live person. I called the number for application status, that initially told me to reference a " my status app link ''. I called back and got a live person who would not help me unless I submitted another credit application. I explained that I already have one, and she stated the system does not allow them to see applications already in process and that I can process a new one over the phone... why would I do that and take another credit hit. I tried two other numbers and finally got a live person when I called the fraud office. I spoke to them in detail about my concerns and was given a fax number to use and list of acceptable documents to verify identity and address. I faxed over clear & legible documents along with my contact info to confirm receipt. I called back a couple of days later and they still could not provide an update or confirm receipt. I was directed to XXXX the package which Barclays received on XXXX XXXX As the fraud rep directed, the package included the original letter, a letter asking them to contact me upon receipt, a copy of my military ID, copy of Passport, a Property Tax Statement, a water Bill XXXX and a XXXX XXXX statement. ( Note : I did not have to provide this much information when I bought a house or car last year ). They did not follow up or contact me as requested, so I called them on XXXX XXXX, was bounced from person to person until I reach the security department, who then proceeded to tell me application was still on hold and they need more information and I now need to provide a a front and back copy of my social security card and current IRS 1040 document to further prove my identity as my military ID did not have my date on birth. I told them that should not matter as the DOB was on the passport which is legal proof of identity under the Real ID act. I was then connected to another representative, where I had to explain everything again. They assured me documents were for identity and not proof of employer or income. I explained that this was a lot of PII data that they are collecting, especially when documents already provided 100 % match info on credit report. I also wanted to know how PII was being protected under this process, Barclays answer was we will shred it when final decision is made or 6 months whichever comes first. I asked them to send me a letter stating why they needed more information as a SSN card is not considered legal proof of identity, and off course they refused to provided. I asked why a notice was not already sent as they had my identity documents for two week already, rep stated they only send one letter per applicant ( either a denial or request for information ) and had I not called back in, they would have just timed out my application & denied me with no further contact. Rep then proceeded to tell me they require this information from all applicants and it was standard business practice for identity verification. I immediately googled and no where could I find that this was a standard practice, to the contrary another Barclays site listed the same documents already provided as acceptable. Reached out to a few friends who have this card, and they were never asked for this information. I asked Barclay rep was there something in my profile triggering this, I would like to know so I can fix it and not have to go through this with another creditor. I was told they don't have to provide me with that information and that they can just deny the application if I wont provide them with a front and back copy of SSN card and/or 1040. ( note : the back of the card says protect card, prevent misuse, keep it in a safe place and never carry it with you ). If I had not found the Barclay 's number myself, I would swear this whole process was a fishing scam ; since when is a passport not considered ID, Military ID stop having DOB on them 15 years ago, a 1040 is not proof of identity as any one with XXXX XXXX can doctor a 1040. There is no legal requirement to even provide a social security number on the application, so how can they base approval or denial on not providing the actual SSN card. I asked why I could not use the identity verification app like other CC companies ( website says they have one ) I was told that was for current customer only despite the fact website clearly states for New Barclay Consumer wishing to apply for services. I was given yet another po box to mail updated document. I believe I am being profiled based on demographic information on the report ( military status, residential addresses, etc. ) as they wont disclose why I am being flagged. It almost seem like they are trying to make process difficult so I will give up which will give them justification to deny me. I have a 750+ credit score, 15 years of positive trade line, card utilization under 19 %, no late payments, great debt to income ratio, two inquires, no collections, so what's the issue. I have a high level government clearance and know the risk associated with collecting this much PII from one person ; If I had not called in, that paperwork would sit 6 month prior to being destroyed, who does paper anything in this day an age, and everything they are asking for now can be " dummied up '' by a 13 year old. There was no option to elevate my issue or appeal the decision, either send the documents requested or don't. Again, the fact that I provided valid and recent identity documents as listed on the website/letter that did not clear the flag, coupled with the fact that they will not disclose what generated the flag over the phone or in writing leads me to believe there is a unfair process at play that needs to be investigated and corrected or organization sanctioned for its perceived profiling practices. I would have preferred an upfront denial over this current practice which puts my identity more at risk than issuing the credit card would have. If this " identity validation practice '' is part of the screen out process for certain " flagged group of consumers '' I would advise military, divorced women, minorities, and anyone choosing to live in an " up and coming or investment neighbor '' to proceed with caution, you may be wasting your time and end up with a credit inquiry and no card. I now have to go put a lock on my credit just in case my data get comprised internal to Barclays.
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| 08/22/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hello CFPB, Case XXXX XXXX XXXX XX/XX/23 I am having an issue with this card company Barclays. I have done everything with in my rights and I am legally due a refund and I will explain why for both parties to review. This is in regards to case id XXXX Barclays bank. Order number for XXXX is XXXX. This has caused an enormous amount of stress on me. I purchased an I phone and received the wrong merchandise. I filed a dispute with my bank and they are denying my claim for order Apple XXXX XXXX XXXX XXXX XXXX Unlocked Brand New Sealed XXXX XXXX XXXX Gold Box '' because they are stating the following. They do not receive text like messages as proof this makes no sense because XXXX website via computer or via is phone like to obtain the proof I logged in with my phone to the XXXX XXXX to report the incident and in XXXX Policy it clearly states report any issues via website or via app and in this case I reported the issue with in the website on my phone and snap shotted the conversation showing date/time of interaction with XXXX. Barclays is stating they dont accept that which is not a valid reason because XXXX website is designed like that. If XXXX states to report that way then Barclays must accept this as a form of proof because XXXX does accept images like that and that is my proof that the issue was reported with in the time frame allowed by XXXX per there return policy which states the following. If you receive an item that is not in the condition described in the listing, you may file a return request within 3 days of delivery of the order. Please note that you will not be able to file a return request for an order if you have already accepted the order. according to USPS tracking number and XXXX XXXX tracker tracking number XXXX shows delivered on XX/XX/XXXX @ XXXX and the issue was reported on XX/XX/XXXX XXXX which was well with in the allowed time by XXXX per there policy. I was at work until XX/XX/XXXX once I got home from work thats when it was discovered. I drive a truck and I was at work once I got home it was immediately reported via website on my phone. Another reason Barclays is denying is because they are stating I did not report the incident on time. Yes I sure did report it on time. It was reported the 2nd day and I had 3 days to report it. Per XXXX policy states I report by the app or website which I did. They also state report any issues with in 3 days which I did in 2 days. Another reason why they are denying my claim is they are stating the merchant never agreed to refund you. THIS MAKES NO SENSE. I absolutely DO NOT CARE IF THEY AGREED OR NOT. Here is why. I ORDERED A XXXX XXXX XXXX XXXX XXXX XXXX Unlocked Brand New Sealed XXXX XXXX XXXX Gold Box '' IS THAT WHAT I RECEIVED? No! I never agreed to pay {$2000.00} for a XXXX box! I paid {$2000.00} for a phone! What ever happened in transit or with in that time frame is OUT OF MY CONTROL! I have proof of what I received! I NEVER BOUGHT A XXXX!!! I PURCHASED A PHONE! Therefore I AM DEEMED A REFUND! Legally I am owed a refund! I DID NOT PAY XXXX XXXXXXXX for that ITEM I ORDERED A PHONE! No where in my receipt does it state I will be receiving a XXXX! It states a XXXX and thats because thats what I ORDERED! I have proof and XXXX asked to see the pics and I showed it to them! They are violating there policy! I received the wrong and I reported it in the website browser with in 3 days. I have done everything with in XXXX policy and legally I am owed a refund BECAUSE I DID NOT PAY {$2000.00} for XXXX box. Barclays and XXXX are refusing to resolve this when I have done and sent them all kinds of proof/images/conversation proof and both parties are holding me responsible by not issuing my refund that owed to me. I never agreed to pay for XXXX. I never ordered this. I ordered a phone. Legally I owed a refund. Thats like ( example given ) XXXX order a blue t-shirt and receiving a book and me not resolving it. How is that XXXX fault? If the issue occurred outside of his control thats not his fault but yet me holding him responsible. Barclays and XXXX are holding an innocent consumer responsible for an issue that was outside of my reach and I did everything in the time frame allowed and given yet Barclays and XXXX are holding me responsible for an issue that I had no control over. The reasons for denying this claim makes no sense and I keep informing them and sending them my proof however they are not getting this issue rectified. This concern has caused an abundance amount of stress on me. I have tried several times and have sent all the proof they are yet resolve this. Once again I have all the proof what I ordered and I have proof what I received. I followed XXXX policy. Barclays is also stating XXXX never agreed for a refund nor did they send you a return label. That makes no sense!! XXXX policy states report any issues with in 3 days and I did. Whether they sent me a return label or not does not change the fact that I HAVE PROOF WHAT I ORDERED. I never ordered a XXXX. On my legal document which is my receipt it states what I ordered. I never paid {$2000.00} for a XXXX box. Whether the issue occured while in transit or on delivery XXXX thats NOT MY FAULT NOR IN MY CONTROL! Whats in my control is whether I follow the process that XXXX stated which I have because I CONTACTED THEM ON TIME ALLOWED BY POSHMARK! Thats in my control! I have no control over what happens to my package while in transit! I am deemed and owed my refund legally. I never paid for a XXXX box. If this issue is not rectified my next course of action is to report this issue to the XXXX department of CA because I as a consumer offered {$2000.00} XXXX and received a wrong item. I never agreed to pay for a XXXX box. Please resolve this issue. Once again what happens in transit has absolutely nothing to do with me nor is it in my control. I am owed my refund. I am wrongfully being denied a refund that is legally owed to me. I filed a return request on time ( 2nd day ). It does not matter if XXXX did not send me a return label does not change the faxt that on my receipt it states XXXX and I did not receive that. Show me proof that states you XXXX receive a wrong item? I do not see anything like that on the receipt that was generated by XXXX. I did everything I was told to and yet Barclays and XXXX both are refusing to help me in this matter. I have sent all the proof Barclays needed yet they are not legally helping me. The package was damaged and tampered with and my actual item was stolen and Barclays and XXXX are refusing to refund me. I never ordered XXXX. I ORDERED A PHONE AND MY PACKAGE ARRIVED DAMAGED TO ME AND I HAVE PROOF! PER XXXX POLICY I HAVE 3 days to report any issues after delivery via XXXX app or via website and I reported it via XXXX site from my phone which I have every right to since XXXX clearly states I can report via the app or on website however Barclays is claiming they do not accept snap shots. This makes NO SENSE BECAUSE I AM ALLOWED TO REPORT VIA APP OR WEBSITE ACCORDING TO XXXX POLICY WHICH I WILL ATTACH! Thank you.
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| 06/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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On XX/XX/2023 we requested an {$8000.00} payment be sent to Barclays Bank from XXXX XXXX. The payment was sent via XXXX and the check was written by XXXX XXXX XXXX XXXX. The payment was supposed to be applied to the balance on our Navyist Rewards XXXX XXXX account. The address and name associated with our Barclays account was listed on the check from XXXX XXXX XXXX.
According to Barclays Bank, the {$8000.00} check cashed on XX/XX/2023 and posted to their general ledger as a " non-conforming payment '' since no payment slip was enclosed with the check.
Barclays provides the following information for " non-conforming payments '' on the back of their statements : Mailed Payments : A conforming payment received by us by XXXX XXXX XXXXXXXX will be credited to your account the day of receipt. A conforming payment is a payment that : XXXX ) is mailed with the payment coupon included with this statement or printed from oldnavy.barclaysus.com to Barclays, XXXX XXXX XXXX XXXX, PA XXXX ; and XXXX ) is in the form of a single, non-folded check or money order made payable in U.S. dollars from a U.S. based institution. Any payment that does not meet these requirements, or any payment with multiple checks or money orders, additional correspondence, staples, paperclips, etc. will be considered a non-conforming payment, which may delay the crediting of the payment for up to 5 days.
On XX/XX/2023 the {$8000.00} payment had not posted to my Barclays Navyist Rewards World Mastercard account On XX/XX/2023 I contacted Barclays via online chat to inquire about the payment. I have copies of all online chats to prove the exact nature of the conversation. I told the customer service rep the issue and provided the dollar amount of the payment and that it was coming from XXXX Bank. The customer service rep requested the check number and bank routing and account number in order to open an investigation. I informed the customer service rep that I did not have access to that information since the payment was sent by XXXX XXXX XXXX XXXX via XXXX and not directly from XXXX Bank.
On XX/XX/2023, I contacted Barclays via online chat to inquire about the payment. I told the customer service rep the issue and provided the check number from the payment that was cashed by Barclays on XX/XX/XXXX. The check number was sufficient proof of payment information for Barclays to locate the payment on their general ledger and make it a " conforming payment ''. Barclays provided a case number and said it will take 30-60 days for the investigations team to respond. The customer service rep stated that all fees and interest will be waved until the payment is found. I provided XXXX phone numbers to contact me back at with any updates.
On XX/XX/XXXX a provisional credit for {$8000.00} was applied to my Barclays Navyist Rewards World Mastercard account On XX/XX/XXXX, I received a letter from Barclays stating that the proof of payment needs to be sent via fax to XXXX or the provisional payment would be removed. Examples of proof of payment : front and back copy of cashed check, Money order receipt, Electronic Funds Transfer.
On XX/XX/2023 XXXX XXXX faxed a Declaration of Payment with a copy of the original check front and back and the XXXX Case ID to Barclays fax number XXXX and mailed a physical copy to XXXX XXXX, XXXX XXXX XXXX XXXX DE XXXX.
On XX/XX/2023, I contacted Barclays via online chat to inquire if they received the declaration of payment. The customer service rep stated that a case had been opened with the investigations team but it will take another 30-60 days for a response and they could not confirm if the investigations team had received the declaration of payment. The customer service rep stated they will add notes for the investigations team that XXXX XXXX had faxed the declaration of payment. I requested contact information for the investigations team and they were not able to provide it. The customer service rep stated the investigations team will send a letter when the payment is found.
On XX/XX/2023 I received a letter from Barclays Bank stating that they had not received proof of payment and the provisional credit was removed from my account.
On XX/XX/XXXX I filed a complaint with the CFPB ( ID XXXX ) On XX/XX/XXXX the CFBP complaint was closed by Barclays with an explanation. The explanation was that the investigations team completed their investigation and was not able to locate the payment. Barclays Office of the President representative requested proof of payment be faxed to XXXX in order to continue the investigation.
This explanation was also provided in a XX/XX/XXXX letter from the Barclays Office of the President representative.
On XX/XX/XXXX I received a voicemail from Barclays Office of the President representative requesting a callback I spoke to Barclays Office of the President representative several times over the following weeks regarding the missing payment. I told him that proof of payment was provided on XX/XX/XXXX. He denies that the proof of payment was received by Barclays at any time and requested proof of payment be emailed to him.
On XX/XX/XXXX I emailed XXXX the proof of payment that was originally sent by XXXX XXXX via fax and USPS on XX/XX/XXXX.
The Barclays Office of the President representative apparently located the payment and stated that the payment was sent back to XXXX by Barclays I have tried to contact XXXX and can not find anyone to help me with this matter.
I have contacted XXXX XXXX and they claim that Barclays still has the money The Barclays Office of the President representative stated that interest and fees that were previously promised to be waived would now be reinstated since I did not provide proof of payment in the required time frame The Barclays Office of the President representative has continually stated over the phone that Barclays does not have the {$8000.00} and there is nothing they can do to help.
I requested to be contacted by a supervisor from Barclays Office of the President and a summary of their investigations findings to be provided to me in writing.
A Barclays Office of the PresidenXXXX supervisor called me on XX/XX/XXXX stating they would look into the missing payment and if the fees and interest can be waived.
I can not reach anyone in Barclays Office of the President as of XX/XX/XXXX to check the status of the missing payment It has been 75 days since Barclays cash the {$8000.00} check and posted it to their general ledger.
Neither Barclays, XXXX, XXXX or XXXX XXXX are able to locate the {$8000.00} at this time.
My Barclays account is passed due and I am getting several calls a day from their collections department.
I have invested 10 + hours into figuring out where the {$8000.00} went and am hitting a dead end in every direction I turn.
My credit score has been negatively impacted since the credit utilization on my Barclays Navyist Rewards World Mastercard has remained high.
I am desperate and exhausted. Please help me.
|
| 12/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
In early XXXX I called Barclays customer service to inquire about the approximate date I would be receiving my replacement XXXX, since my old card was due to expire in XX/XX/2022. I was proactively ensuring that I would receive the new card before my move date of XX/XX/2022. The rep whom I spoke with said that they could not track the card once it was mailed out but that the bank always mailed out replacement cards to be received by the customers before the old cards expiration.
I never received my replacement card prior to the cards expiration.
I moved from XXXX XXXX XXXX XXXX XXXX in late XX/XX/2022 and changed my address via my Barclays ( XXXX ) XXXX online account. I received a letter from Barclays dated XX/XX/2022, asking me to call the number listed in the letter to verify the change made to my account. I called on XXXX, XX/XX/2022, and spoke with a representative XXXX XXXX XXXX who confirmed the information.
Immediately after that call, I was unable to access my online account. I called customer service that same day XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke with another representative ( XXXX ). I explained that I could not access my account and that prior to my call with XXXX, I had accessed it with no issue. XXXX was unable to help and told me that I should try accessing the account later and call back if I continued to experience the issue.
On XXXX XX/XX/2022, I called Barclays XXXX customer service and spoke with XXXX. XXXX tried resetting my password and setting up new online access. None of his troubleshooting options resolved my online access issue, and he told me that the issue was with the banks website.
I called and spoke with XXXX in the Barclays XXXX assistance department on XXXX, XX/XX/2022, at XXXXXXXX XXXX EST. I explained my issue in detail and mentioned that she was the fifth representative I had spoken with about the problem. XXXX attempted to retrieve and reset my password, despite my telling her that this method had already been attempted unsuccessfully. The attempt failed, so XXXX transferred me to an Account Specialist by the name of XXXX at XXXX XXXX EST. XXXX explained that the account access issue probably had to do with my expired Barclays XXXX.
The cards expiration date was XX/XX/2022. XXXX mentioned that a replacement card had been issued. Since I never received the replacement card, XXXX canceled the replacement card number and issued a new card. She explained that I would receive the card within XXXX - XXXX business days. She also told me to call Barclays before attempting to access my online account, in order to activate the new card.
I received the new card and called Barclays, as instructed by XXXX, on or around XX/XX/2022.
I spoke with a representative by the name of XXXX at XXXX XXXX EST. I explained the entirety of my issue to XXXX and asked to have the new card activated, but also to escalate my online access issue. XXXX did not escalate the issue and attempted to problem-solve, repeating the same exact steps that had previously been taken by the other representatives. The issue was still present, and XXXX had no solution.
Again, I asked XXXX to escalate the issue to technical support. Instead, she opened Complaint Case # XXXX. I asked her how long it would take to resolve and when I could expect a call. She said that the issue would be investigated and that I would receive a letter about the root cause of the issue via regular mail. I never received a follow-up call, letter, or email from Barclays.
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX EST, I received an email notification from XXXX XXXX- a service that offers free insights into credit scores, reports and personalized financial information. The notification was to inform me that an account listed in my credit report had been closed, and my credit score was affected. When I logged into my Credit Karma account, I found out that the closed account referenced was the Barclays XXXX account which I had been having issues with.
I called Barclays at XXXX XXXX EST on XXXX XXXX XXXX XXXX, and spoke with XXXX. Once again, I had to repeat every detail of my ongoing issues with Barclays spanning XXXX months. XXXX was unable to assist and said the account was closed. She could not even find the complaint case that had been supposedly opened in late XXXX. I told her I was deeply frustrated and needed the call escalated to a supervisor.
XXXX transferred me to XXXX at XXXX XXXX EST. XXXX said that nothing could be done because the account was closed. I said I was not accepting that and needed the call escalated.
XXXX transferred me to XXXX at XXXX XXXX, EST. After I explained my case to XXXX, she said that there was nothing that could be done and that my account could not be reactivated because the bank had closed it.
I told XXXX I had not received ANY communication from Barclays related to my Barclays XXXX account for months, and the account was closed without my authorization or prior notice.
XXXX proceeded to state that a letter has been mailed on XX/XX/2022 ( 5 days prior to my call with her ), and she read the letter out loud.
I told XXXX that I had not received that letter. Out of curiosity, I asked XXXX how the letter was delivered if electronically or via regular post. She said it had been mailed. I asked what address. She replied XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In exasperation I responded with that is yet another complaint I have to add to my list of complaints. I told XXXX that the XXXX XXXX address was my old address, and no correspondence should have been mailed there because I had changed my address with Barclays when I moved FIVE MONTHS prior to our phone conversation. Additionally, my account had been set up for paperless communications, and up until XX/XX/2022, I had been receiving all relevant account information via email ( I have all saved emails from Barclays as proof ).
XXXX response was for me to write a complaint to Barclays XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX
I said I would be complaining to the Department of State, Consumer Financial Protection Bureau, Federal Trade Commission, Better Business Bureau, and Attorney General about Barclays credit card services ineptitude and incompetence in their business practices.
Upon reviewing my credit reports, I found that my credit score had decreased due to the unauthorized closure of my Barclays XXXX account, the same account I had been experiencing issues with since XX/XX/2022. I did not authorize the account closure. I did not receive notification from Barclays informing me that the account would be closed. I did not receive a follow-up call from my last phone call about the long-running account access issue.
My credit score was affected because of Barclays inaction. To resolve the problem, I would like my account reactivated and the online account access issue fixed. Once my account is reactivated, I would like Barclays to report this change to XXXX, XXXX, and XXXX immediately.
|
| 05/06/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
On or around XX/XX/XXXX I purchased 2 free hair products from XXXX XXXX stating I only had to pay shipping and handling with no obligation. I was charged on XX/XX/XXXX {$3.00} and {$4.00} and put it on my XXXX Barclay Bank Mastercard. I paid my bill in full on XX/XX/XXXX. I received my free products and wasn't impressed so basically forgot about them. Unbeknownst to me XXXX had either hacked, sold or given my credit card information to other companies. On XX/XX/XXXX I was charged {$88.00} from XXXX and {$84.00} from XXXX on the same day. I had been paying my bills and didn't recognize the charges but I buy quite a few things online and decided I better go through my files to see what it was I purchased from those companies. I paid my bill in full for the amount of {$170.00} on XX/XX/XXXX. On XX/XX/XXXX I was charged {$94.00} from XXXX and on XX/XX/XXXX I was charge {$90.00} from XXXX. I had received 2 separate packages in the mail during XXXX with XXXX return label so I immediately sent them back from the post office Return to Sender unopened. On XX/XX/XXXX I was charged {$94.00} from XXXX. On XX/XX/XXXX I called the number to XXXX not sure what that first charge was for after looking through all my files to see what I had purchased thinking it might have to do with my insurance and found out after talking to a lady that it was for hair products. I hadn't ordered anything so I told her I had not purchased anything and I wanted to file a dispute to get the money credited back to my account because I though the credit card had been hacked. She said she was sorry and offered to send me a {$100.00} gift card all I had to pay was {$5.00} for a shipping charge. I told her no I just want the the charge to be credited back to my account. She got all my information and said she would make sure to take care of it. On XX/XX/XXXX I was charged {$94.00} by XXXX again. By this time I had figured out what was happening and had called Barclay Bank. I told the gentleman I spoke to that I had some fraudulant charges on my card and I needed to cancel it and get a new card. He told me not cancel my card that they would take care of it for me. He took all the information on all the merchants that I had been billed by and said he would file disputes. By this time I was paying close attention to my statements and started filing disputes on charges I didn't recognize. I didn't want to ruin my credit rating so I paid my account in full on XX/XX/XXXX in the amount of {$380.00}. I had a few charges on there for items I had purchased myself. Barclay Bank sent me letters on all the disputes that I had either discussed with one of their dispute representatives or had filed myself online stating that they were referring my transactions to dispute specialists. While they notified the companies of my disputes they issued provisional credits on my account for the amount of the disputed transactions which would appear on my next billing statements. But they said if the merchant was able to validate the transaction they may re-bill and could do it within 90 days and provide an explanation to me along with copies of relevant documentation. My XXXX bill cycle ended on XX/XX/XXXX and I was credited $ {$88.00} from the XX/XX/XXXX transaction from XXXX, {$94.00} from the XX/XX/XXXX transaction from XXXX, {$94.00} from the XX/XX/XXXX transaction from XXXX and also {$90.00} from the XX/XX/XXXX transaction from the same company. On XX/XX/XXXX I received a letter from Barclay stating that my dispute regarding the amount of {$84.00} with XXXX which posted to my account on XX/XX/XXXX they were unable to pursue because the chip on the card was read and validated during the authorization process or the card was present and the CVV confirmed. The card was not present and so the chip wasn't read and the CVV was given to XXXX to order my 2 free hair products. They suggested I contact the merchant directly to see if there were other options to resolve the claim. I called the number I got off my bank statement numerous times and would get put on hold then hung up on. This went on for a few weeks then finally I talked to a gentleman named XXXX. I told him the situation and he was able to pull up the information on his computer and the supposed date of purchase, the card number and my name. He told me he'd try to take care of it but for me to first try and call another number he gave me which was XXXX which handled the accounts. I tried calling them several times but with no response. I called XXXX back on XX/XX/XXXX and he told me all of their accounts had been given over to another company. He told me to call the number he had previously given me again so this time I did and was successful and getting connected. I talked to a gentleman who told me he didn't have XXXX as one of their accounts and he had no information that could help me. I called up Barclay and talked to XXXX one of the dispute specialists on XX/XX/XXXX and he told me to send a letter to the department about what had transpired and re-file my dispute which I did on XX/XX/XXXX. On XX/XX/XXXX I got a letter back from Barclay concerning the XXXX charge stating after further review they were not able to assist me with obtaining credit to my account because " we are outside of the permitted time frames to continue this claim through the dispute department. We encourage you to pursue credit by contacting the merchant directly. '' So that put that one to bed since no one even knows what or where or who XXXX is and I'm stuck with a {$84.00} charge. On one of the last disputes I filed with them at the beginning of XXXX I told them I wanted a new charge card since this one had been compromised. It was sent to me around the end of the month but I still have not activated it. I got my XX/XX/XXXX billing statement and had an {$89.00} charge from XXXX on XX/XX/XXXX which they immediately credited my account, another one from the same company for {$89.00}, On the XX/XX/XXXX they credited to my account and 2 more, one of XX/XX/XXXX from XXXX for the amount of {$89.00} and on XX/XX/XXXX XXXX for {$89.00}. I filed a dispute on both of these charges then called the bank since I had had a replacement charge card sent out and didn't receive it until the end of XXXX. The woman I talked to told me that the charge had gone through because the computer transferred the charge from my old card to my new one. I asked why it did that since this was the reason I got a new card to begin with to stop these fraudulent charges, she couldn't give me a good answer. I still haven't activated this card. On my XX/XX/XXXX statement, the XXXX charge of {$89.00} made on XX/XX/XXXX was credited back to my account the same day it was charged but not the last charge that was made by the computer error on XX/XX/XXXX XXXX for the amount of {$89.00}. I was sent two more packages from XXXX in XXXX that I sent right back from the post office unopened 'return to sender '.
|
| 09/22/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
In XX/XX/XXXX we went to a Timeshare presentation in California and bought the smallest points timeshare they had available, XXXX points. We were told we had to go to a new member orientation within 90 days that would explain our benefits and membership. To guarantee we go they require a {$49.00} deposit and we would receive the money back when we go to the presentation. Also for going/buying a timeshare we received a 3 day/2 night at a resort where the orientation would be held. After the presentation we were not given our money back we were given a XXXX gift card.
We went to the orientation in XXXX, VA on XX/XX/XXXX. We were met by XXXX our rep ( later find out she is a sales agent ) She also has us bring our XXXX son with us, I asked about the daycare in the pamphlet they had and she said its in another building and most people dont want to bring their children. She tells us about some of our benefits, then proceeds to tell us that XXXX was just recently bought out by XXXX, and pricing will be changing. With this being the case, our XXXX points really cant do much. Also, they could only guarantee the purchase rate of {$6.00} per point for the next 18 months, after that XXXX will be raising the price.
The sales manager XXXX came in at this time to explain that we got a deal when we bought the last timeshare and we have equity in our points ( something that never happens according to him ). And because of that we could buy an extra XXXX points for only {$3.00} per point. We were slightly hesitant because we just made a major purchase a few months ago and are now told that what we have doesnt mean anything. The thought in the back of my head was the sales person in CA. had to know they were being bought out, now we are stuck with useless points.
We were then told about the Barclays credit card which is a way to help offset some of the assessment/maintenance fees. I then asked at that time if something can be done about the assessment fee that I already paid, because I did n't want to double pay. XXXX said he would look into it. We had our credit checked and we were approved for the Barclays card which would give us 0 % interest for 6 months that we could put the down payment of {$2500.00} on.
Then XXXX told us the additional money would go through a company they use however the payment would be {$390.00} a month for 10 yrs. because they have very high rates, he then added however with our credit scores we would be eligible for a loan with XXXX and their rate is 6 %. That would drop our payment to {$250.00}, which is more affordable. We decided to move forward because we felt like it was the best option, we could handle a payment of {$250.00} and it would be better than basically throwing the XXXX we just spent on the original XXXX timeshare points away. Again, we were told that prices were rising, our current amount of points were useless and XXXX went on about what a great deal we were getting with this purchase. We figured we would take the money out of savings for the next two years until our daycare bill went down. We honestly felt like we had no other choice.
We were then brought over to XXXX the QA Rep, to go over the paperwork. We had to stop several times, because she was explaining things to us very differently regarding how the Barclays card worked and it paying the assessment fee. We even had XXXX come back and explain it all again and he explained it wrong in front of XXXX and XXXX had to correct him. Now the Barclays card wasnt going to pay the assessment fee like we planned, this was right around the time of them telling us that we could use the bonus points that we received from this purchase to go to Hawaii on a dream vacation. So, we were very excited about that, and we were trying to look at the good that will come out of this. Us going on the dream vacation, the extra benefits that the other timeshare didnt give us, more points to travel with. We could deal with paying the assessment fee differently than what was originally explained. I also confirmed with XXXX at that time that we were going to look into crediting the maintenance fees I had already paid, so that could help with the first years assessment cost. Also during that conversation, we were told that the deal we were getting at {$3.00} per point was only good for that day and if we decided to come back the deal is off. We felt very pressured, defeated, overwhelmed, confused. Not to mention we had been there almost 4- 5 hours with our XXXX son. We decided to go forward because we could get the payment down when we refinanced the loan with XXXX and we were concerned that we had wasted money on the previous timeshare purchase. When we got home from vacation, we had my sons birthday party, I had a work trip, so by the time I had a chance to look into refinancing the loan with XXXX it was past the rescission period. XXXX does not offer a 6 % rate for a 10-year Timeshare loan ( it is not that we did n't qualify, it is NOT a product that they offer ) Nor does any other lender. We were okay with refinancing with another lender. We also looked into taking out Equity on our house to lower the payment, however we just bought our house so we didnt have enough Equity.
We had not received any correspondence in regards to the assessment fees from XXXX. There was contact information in our sales paperwork for XXXX, the VP of Sales, stating he will respond to every call or email within 24 hours. I emailed him on XXXX/XXXX/XXXX. I also called him a few days later saying if I did n't hear back I would contact the BBB. He left me a voicemail on XXXX saying he would contact XXXX. XXXX called me back on the XXXX said that he is actively working on the assessment fees and he more or less got reamed out for letting us know about the 6 %, and also to get the 6 % he would have to high up in the financial chain. I told him to proceed with it. I have several texts in this time going back and forth with XXXX. I let XXXX know via text onXX/XX/XXXX that I am done and I want my money back from the timeshare. He said " my VP of Sales will be reaching out to you this afternoon to discuss options. '' I did not receive a call. I emailed the VP on XX/XX/XXXX and I also called him on XX/XX/XXXX. I saved all my text messages from XXXX. XXXX never returned any email or call in his 24-hour promise. Spoke with Finance XX/XX/XXXX and XX/XX/XXXX. Spoke with XXXX in Hospitality on XX/XX/XXXX and received email on XX/XX/XXXX, emailed her back twice on XX/XX/XXXX received an email back from her stating they are not willing to do anything to cancel the timeshare. XXXX has also failed to respond to the BBB. Our next loan payment is due on the timeshare and on the credit card ( we are currently overdue on the credit card ) This is going to start hurting our credit. We have been actively trying to resolve this since the beginning of XX/XX/XXXX.
|
| 01/12/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
XXXX/XXXX/XXXX I discovered a negative account with Barclays Bank XXXX ( Delaware ) on my credit reports, which had apparently went into collections and onto the reports in XXXX. Prior to XXXX XXXX, XXXX, I was n't aware it existed. I then called Barclays to dispute ownership of the account.
XXXX/XXXX/XXXX I initiated a dispute with all three credit reporting agencies, regarding the Barclays account.
XXXX/XXXX/XXXX I filed an Identity Theft Report with the Federal Trade Commission and proceeded to follow the outline of steps to follow which they provide in cases of credit card fraud.
XXXX/XXXX/XXXX I received a reply via email from a Barclays employee, XXXX XXXX.
XXXX/XXXX/XXXX I sent a response to XXXX XXXX and also attempted to reach him on the phone over the next two days with no luck.
XXXX/XXXX/XXXX I called Barclays again and spoke with a women who said she worked in the Fraud Department whose name sounds like, " XXXX. Which oddly enough is a name that recently came up came up when dealing with a problem that I recently had with XXXX XXXX, in which I was sent a replacement card from them, with an account number belonging to someone else, with the name of " XXXX '' from Missouri. I asked her what the dispute process entailed, requested a copy of the cardholder agreement and application, as well as the full account number. I was told to fax in the request for a copy of the records, and to send, by standard mail, the nature of my dispute and any supporting documentation. " XXXX '' said Barclays would initiate a Fraud Investigation after receipt of the documentation.
XXXX/XXXX/XXXX I sent a notarized letter to Barclays via USPS certified mail, included the FTC report I 'd filed, the explanation, and also requested a copy of the the records. My return address was included.
XXXX/XXXX/XXXX I received a return receipt via USPS mail, with a stamped signature by XXXX, from Barclays, indicating they received the documents. Barclays did n't contact me via phone or email.
XXXX/XXXX/XXXX I called Barclays to check on the status of the fraud investigation and when I could expect the records to arrive that Id requested. I was told they completed the investigation and it was determined that the account was not opened in a fraudulent manner, that I 'd exhausted all of my options and there was nothing more I could do to get the copies of the records I 'd requested. I called a different telephone number associated with Barclays and spoke to XXXX, who requested I send her a copy of the FTC identity theft report I 'd filed.
XXXX/XXXX/XXXX I emailed XXXX the report, which encrypted with a code, as it was sent to a general inbox and not directly to her. I called her extension, left a voicemail with the code.
XXXX/XXXX/XXXX I got a call from XXXX XXXX which I missed, he left a voicemail.
XXXX/XXXX/XXXX I called XXXX again and left a voicemail asking for confirmation that shed received the email I sent on XXXX/XXXX/XXXX. She said she never got the email I sent or the voicemail, and that XXXX XXXX was the person who is in charge of handling the fraud investigation, but she would be available to assist if needed. I spoke with him about everything that 'd happened to date. I reiterated that the account was not mine and again made a request for copy of the records from Barclays Bank. I asked why I never received the records I requested in the notarized letter Id sent nor a reply of any kind from Barclays, he said that the records were mailed, but to a different address. He asked for my mailing address and told me that Barclays would send me a copy of the credit card application as well as the full account number. I asked how Barclays reached the conclusion that the account was mine and continued to ignore my insistence that I never applied for a line of credit with their bank, and was told that the they check the validity of the information a person supplies on a credit card application, by looking at public records.
By this standard Barclays makes it extremely easy for anyone that simply checks public records, which are readily made available to the masses, to take the information they find, and use it in a fraudulent manner. As is the case here.
XXXX/XXXX/XXXX I filed a complaint with the BBB against Barlclays Bank XXXX.
XXXX/XXXX/XXXX I received copies of the account statements and credit card application, via XXXX from XXXX XXXX of XXXX, sent from XXXX, ME. The format of the application looks odd. It 's missing information and also contains a slew of wrong information. The telephone number listed never belonged to me, nor the email address, mothers maiden name is wrong, the location associated with the IP address stamp, from where this online application was filled, is a place I 've never been, there 's no employer information, the physical address listed is a place I have n't lived at for years prior to the application being filed, which I can provide proof of.
Over the next few days I continue to receive paperwork from Barclays via USPS : two determination letters dated XXXX/XXXX/XXXX, in response to the BBB complaint I 'd filed, that state, after their fraud investigation I was found not responsible for the reported fraudulent activity and to allow up to 30 days for the Credit Reporting Agencies to remove any fraud related information from your credit report. The second letter says, Barclays Bank Delaware XXXX XXXX XXXX is requesting a trade, which was opened on XXXX for XXXX XXXX, to be deleted or suppressed. The above-mentioned person did not apply for or have knowledge of this credit card account.
I continued to get mail from Barclays which I assumed were sent in error because of the determination letters I 'd been sent.
XXXX/XXXX/XXXX XXXX XXXX XXXX of Barclays composed a letter which says, " '' I am in receipt of the correspondence forwarded to Barclays Bank Delaware ( " XXXX '' ) from Better Business Bureau ... '' XXXX/XXXX/XXXX, XXXX XXXX from Barclays, sent a letter which says, " I am in receipt of the correspondence forwarded to Barclays Bank Delaware ( " XXXX '' ) from Better Business Bureau ... '' XXXX/XXXX/XXXX, XXXX, XXXX XXXX from Barclays, sent a letter which says, " I am in receipt of the correspondence forwarded to Barclays Bank Delaware ( " XXXX '' ) from Better Business Bureau ... '' A couple weeks later I mailed copies of the determination letters, along with other documentation to all three Credit Reporting Agencies.Two which have replied, one which sent me a research request form, and both still retain the Barclays account on record.
XXXX/XXXX/XXXX I called Barclays and requested to speak to someone in management and was told " XXXX would get in touch with me the next day. '' She did n't, and I dont think anyone from Barclays is going to contact me to resolve this matter.
|
| 11/26/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Timeline for fraud on Barclays XXXX XXXX, XXXX XXXX Some weeks before this fraud was committed, perhaps in XXXX, I received a form letter from Barclays that said that a batch of credit cards that had been sent out in the prior months had problems with the new chips embedded in them. Therefore, they would be sending out new cards.
On XX/XX/XXXX, I received an email notice that my new card had been activated. I read it around XXXX XXXX
I had received no card. When I read the email, I called Barclays. I reached a young woman who did not seem to know what she was supposed to do. She said she understood that had not received the card and wanted to seek advice. She put me on hold. I waited for forty minutes and she never came back ( see screenshot ). I had a meeting and then need to meet family at an art fair. I thought, well, at least I reported it, and they froze it.
I then received an email that the pin had been changed. I called immediately upon reading it, after arriving home.
I called again, and reached someone more capable ( I thought ). She confirmed that they had failed to freeze it after I reported that I had not received it. She said the thief had attempted to use the card. I asked if the thief had somehow gotten into my account online and made the charges there. She said, no, this was a physical transaction with a chip and pin card. I said that they must have stolen it from my mailbox, since I had never received it. She said that it was no problemit was outside my usual area and they had flagged it ; she opened a fraud case. I should not be responsible for the charges. We spoke at XXXX for about 11 minutes ( see screenshot ). She said she would cancel the card and send me a new one. I received the new one a few days later and activated it.
That night, I filed a report with the post office that the card had been stolen, I assumed from the mailbox.
I received a note that the report had been received.
I have heard nothing further from the Post Office. On XX/XX/XXXX, I received two letters from Barclays, both posted XX/XX/XXXX.
One said I had been found not responsible for the charges, and the other said that I was responsible for them and have charged them to the new accountwhich did not exist when the charges were made. I checked my account and found that not only had they charged the thefts to me, but also they had charged late fees. I called on XX/XX/XXXX at about 2. I admit, I was not particularly nice, which I regret. I demanded to know what was going on. The man I spoke to said the card had never been reported as stolen and I must be responsible because the chip and pin can not be faked. I reiterated the original conversation and said I had been quite clear the card was stolen. He said it was marked missing. I was furious. He said he would reopen it as a fraud investigation and told me to fax (! ) or snail-mail my document showing I had reported it to the post office, etc. I then called XXXX to file a police report. They have assigned the report number as XXXX.
XXXX said I would have to also file in XXXXthe postal theft was in XXXX jurisdiction, but the fraudulent use was in XXXX. I called on Tuesday XX/XX/XXXX. XXXX PD refused to file the report ; they said it had to come from XXXX I called XXXX who advised me to wait until their report posted and then we could forward to XXXX.
I also spent quite a bit of time online updating Barclays information. Then, I received a notice that my phone number for the account had changed.
I had not changed the phone number, but I might have confirmed it. I also noticed the amount was still showing as fully owing. I called Barclays AGAIN at noon Tuesday the XXXX. I reached the fraud investigation unit, who told me that the person I talked to the day before had never reopened it as a fraud claim. I said, you mean, he lied to me? The man I spoke to said yes. I reported AGAINthat the fraud case needed to be reopened. I said I wanted to talk to a supervisor. He said he would put in a request for one to call, but it might be several days. He then said I needed to talk to securitywhich is oddly, a different unit than fraudabout the phone number issue.
At security the person I talked to was genuinely helpful. She said the phone number had not been changed, but she thought ( perhaps ) someone had tried to? She said she would escalate the prior request for a supervisor callback, so I could talk to a supervisor sooner ( the prior person had indeed made the request ). She added a verbal password to my account. Finally, I asked to her freeze the card. She said she did.
My XXXX timeline shows I was in XXXX all day on the XXXX. I worked from home, and then went to an appointment with family within XXXX.
Likewise, the day before and after, I was in XXXX, working from home. But the card was used physically in XXXX -- at least a XXXX hour drive agway -- on the XXXX. I could not physically have been in XXXX and in fact have not been in XXXX for some years. My XXXX timeline confirms this.
The two transactions were at XXXX XXXX XXXX XXXX XXXX. The first was for XXXX and the second was for XXXX at the same addressan address that shows up on XXXX as a mall. The Merchant Category is Financial Institution. These were taken as cash withdrawals. If they were taken from an ATM, perhaps there would be pictures? The only financial institution I see at that address is a XXXX XXXX, but I suppose it might have taken place at an ATM? It seems very odd that the statement lists only the address, the business type, and not the name.
I would also like all of the recordings from my interactions with Barclays.
I am beginning to wonder if there is a larger scale fraud issue here. A large number of cards are to be reissued because of chip problemsproblems which I did not have with my card, incidentally -- and somehow a thief just happens to pick it up out of my mailbox on the day it arrives? Seems oddas does Barclays handling of the problem subsequently. Maybe the card was stolen before it ever reached my mailbox? Maybe more than one was taken? I would be interested to know when this tranche of cards was printed, was shipped, and from where, through what relay points. I would also be interested to know if any other cards in that batch turn up in fraud cases.
Tuesday XX/XX/XXXX at XXXX XXXX, I received a call from Barclays. I was hopeful that it was the supervisor getting back to me. When I answered, it was an automated notice that my account was past due.
With interest and now late payment fees, Barclays is now dunning me for XXXX. I would like that debt wiped out. I would also like an apology and an investigation into how this was handled so badly. Barclays has wasted an enormous amount of my time.
|
| 09/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
Servicemember |
|
My husband and I both have over 20 years of military service to our names. We have been put through the ringer with XXXX XXXX. XXXX has XXXX XXXX XXXX XXXX XXXX and I don't know how much time I'm going to have left with him nor should we be stressing about this criminal company. Please read the following : SUBJECT : XXXX XXXX We are writing in reference to two contracts that we hold with XXXX XXXX XXXX in XXXXXXXX XXXX
We believe that XXXX has misinformed us into signing these contracts. I have a contract that has an exorbitant cost of purchase on it and did not realize until the first payment was charged to my credit card for loan and maintenance fee it was something I could not possibly pay.
We were on a party weekend and were wined and dined and on the last day, breakfast was served and a new presentation was given. After the presentation you are always greeted by a sales person who tries to sell more points to you. This time the person who took us back to the room where they try to get you to buy more points ( using high pressure tactics ) introduced himself as a finance manager from cooperate and was assigned especially to us to help us get the most for our money. He told us that we needed to upgrade to a deeded contract as the maintenance fee on our current contract was going up to {$750.00} a month shortly and we were not getting the best deal for our money right now. He did a lot of math on a piece of paper ( wished I had it ) to show how we were in a position to upgrade to a deeded property at XXXX XXXX and we would own it. He said there was only possibly one unit left in the complex to purchase as they all had been sold, but there were clients there now who were thinking about upgrading to presidential status and theirs would be available for us. I guess they upgraded as about hour later XXXX XXXX comes back and states you are all set it is yours and now you have deeded property here and XXXX XXXX points. I will also give you 2 airline tickets to anywhere in the US with this purchase. Airline tickets next happened as they might have been free but it wasnt for XXXX proprieties and you needed to stay on the airline proprieties at XXXX XXXX a night. We were also told that we could rent this property to help offset maintenance fees, and use points to pay maintenance fees. Needless to say we signed another contract without totally looking at figures as he was continually talking while we were signing. XXXX said at end of signing any questions call me and I will be happy to help. Never heard or got a hold of him again. I called numerous times when I realized that this contract was something we couldnt possibly pay. You cant even get to that department by phone.
When XXXX rolled around and I saw the loan payment was {$1200.00} and maintenance fee was {$560.00} that they put on auto pay to my credit card I immediately knew I could not pay this. At this point I called corporate and they said there was nothing they could do. No one would help and I was given XXXX XXXX XXXX to try and rent my points. I transferred XXXX points to their vacation plan through XXXX XXXX XXXX to rent these points and I would get 60 % and they would get 40 %. I had 14 days prior to date of rental to cancel ; I never heard from them so I cancelled all points and took them back. I tried getting XXXX, the salesperson, to call me with no success. I left messages with the business office to have anyone call me back about this contract with no response. After spending all of XX/XX/2020 on this we decided to book a few days there as we knew from past experience we would have to attend one of their presentations and we could get their attention that way.
On XX/XX/2020 we meet with the assigned person to our account that day after the presentation. We had our contract and told him we needed to speak to someone about getting out of it as we couldnt make these payments. A XXXX XXXX and XXXX XXXX came and talked with us. At first they said nothing could be done and with this, I said I cant pay this in a room of other potential buyers. They said can you wait a minute we will be right back. Upon returning they said they needed to talk to some other people and go back to our room and they would contact us. We were to meet them the next day. Greeted by XXXX XXXX in the lobby the next day the solution was to take XXXX entirely off the current contract and give him his own contract for a short period based on his current health issues XXXX XXXX XXXX XXXX XXXX ) we could file for a hardship and get out of the contract through XXXX. In order to do this XXXX needed to be removed from the current contract and just have it in my name. Pay off my contract with money already paid on other contracts and the remainder owed would be put on a contract solely with XXXX as owner. They would also reduce my contract to XXXX points based on money already paid. This sounded feasible at the time but I ( XXXX XXXX was not allowed to go upstairs as they did not want me involved or seen with XXXX at this point. With this contract solely in his name he would be able to claim hardship based on medical condition and get out of contract.
The new contract was written for {$51000.00} with {$45000.00} already paid from previous contracts. A charge of {$5000.00} was sent to XXXXXXXX XXXX for a loan with a 6 month interest free. XXXX XXXX credit cards were also charged for down payment {$5700.00}, and {$650.00}. An auto pay was set up for {$750.00} for remaining loan and {$110.00} for maintenance fee. My deed was retuned and a new contract was written on XX/XX/2020 with me as sole owner of property.
When a three month period came and I called XXXX about starting XXXX process, he said nothing was being forgiven because of XXXX. I called again at six month period was told the same thing. On the one year mark I text XXXX XXXX and said I am through I cant pay this any longer and what was I suppose to do, XXXX was bankrupting me. He said call Finance and they would help me. Finance said there was nothing they could do, sell it. Next stop was XXXX which was supposed to be the hardship route. Called XXXX and a girl name XXXX said she was sorry to hear XXXX satiation and would call back in a few days. She gave us her phone number and we have never heard from her again. We have left messages with other employees for her to call, she was either on another line or away from her desk. I again reached out to XXXX and he said we could always walk away and not pay. I said I did not want to ruin my credit rating over XXXX and his reply was at your age what difference does it make.
At this point we finally realized XXXX didnt care and it was time for us to take more drastic measures on our own.
XXXX XXXX
|
| 12/27/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I was in XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX with some friends from XX/XX/2018 to XX/XX/2018. On XX/XX/2018 around XXXX XXXX to XXXX XXXX my friends and I went to a tour with XXXX XXXX XXXX to see one of the hotels that they have for their customers V.I.P. in XXXX, XXXX XXXX, XXXX XXXX. We returned to XXXX XXXX XXXX after XXXX XXXX ( I dont remember the exact time ). The tour guide, or the representative of the XXXX XXXX XXXX that took us to the tour took me to the office because I was interested to know the prices for the membership. He found another gentleman that started to inform me about the prices of the membership. Most of the prices were very expensive. I remember that I informed them that I was a victim of a robbery and because of that I am registered with credit report ( XXXX ) and I have a LOCK on my credit.
I dont remember how the conversation started, but a credit check of {$3000.00} was initiated. I got involved and I gave them my information including my social security to check my credit. In less than 15 minutes this man ( not the tour guide ) returned with two forms of credit cards saying that I was accepted for two credit lines. One for {$11000.00} and the other {$8000.00}. I was very surprised about these two credit cards when in fact my credit has a LOCK in the United States.
These men started talking to me about a penthouse deal. They mentioned that I can do business in XXXX, XXXX, etc. renting the penthouse. I mentioned to them that I was not a social media person, and I can not do that. I was so involved that I ended up signing some documents. I remember that one of the requirements was to put my initials in one book. I asked the woman who brought the book what information was contained in the book. She said that was the club information. When I put my initials on each page she took the book and I said to her if she was not going to give me a copy. She replied that the information was on the CD. When I left their office is was dark.
Next day on Sunday, XX/XX/2018 around XXXX XXXX I went to XXXX XXXX XXXX to talk to them regarding the deal of the penthouse that they gave me. I saw the man ( Not the tour guide ) that worked with me the day before and I said to him that I wanted another deal or something more reliable for me because usually I travel by myself or with my mother and that a penthouse was too much for me. He said customer service is the one in charge and they would make the changes. He sent me to a office to talk to customer service by phone because there was no representative of customer service in the resort.
When I was in the office, they communicated me with a representative of customer service.Her name was XXXX. I explained to this lady that I wanted to change from penthouse to something more reliable. She said that she will check with her superiors and put me on hold. After a while she returned and said that her superiors said NO and that she can give me a village deal for the same price. I told her no and that I wanted something more reliable and affordable, because I have student loans, bills, among other things to pay. She kept saying NO and saying Yo No Entiendo which means I dont understand in XXXX. I started to feel uncomfortable because is was not even 24 hours that I got involved with the XXXX XXXX XXXX and this was how they were behaving and treating me. At one point this lady said to me YOU ALREADY PAID. I said to her excuse me and she said it again and mentioned that I have a contract with them and an agreement. I said to her that I will call the Bank and cancel the transaction.
I left the office and went to my room in the resort and from my cell phone I called the the phone numbers of the paper that they gave me. I remember that I made the calls around XXXXXXXX XXXX on that Sunday, XX/XX/2018. The first bank that I called was XXXX XXXXXXXX XXXX. I explained to the person that I spoke with what happened and she mentioned that the payment was pending that she could not cancel the transaction of {$7600.00}, but she said to call in 24 or 48 hours. Then I called Barclays Bank ( according to the phone that was on the papers ) I explained to the person that I spoke with what happened and he was able to cancel the transaction of {$11000.00} and I told him to close the credit card.
Next day Monday, XX/XX/2018 I called XXXX XXXX XXXX to cancel the {$7600.00}. I explained to the rep what happened, and she closed the card and canceled the payment. Then I called Barclay Bank to be sure that the {$11000.00} transaction was canceled. So the payment of {$11000.00} was canceled and the balance was {$0.00} balance.
Next day on Tuesday, XX/XX/2018 I called Barclay Bank and XXXX XXXX XXXX just to be sure that those transactions were canceled. When I spoke to the person at Barclays Bank the account was {$0.00}. The operating system of XXXX XXXX XXXX said that I have a balance of {$7600.00}. I Called again to XXXX XXXX XXXX and asked what happened and they said that the money is pending, and they have to open a dispute. A dispute investigation was opened and would take about a month. Eventually XXXX XXXX XXXX found that XXXX XXXX XXXX committed a FRAUD and credited {$7600.00} to me.
Two or three weeks after the dispute was close with XXXX XXXX XXXX I received a bill from XXXX Barclays credit card for {$11000.00}. I called to inquire about the credit card. I asked the person who answered the location and she said that they were in XXXX. I explained to her that I canceled that payment, but I received no help from her. I called Barclays Bank and explained what happened to the lady that spoke to me. She did a three ways conference call and called the XXXX credit card and asked the person who answered that cancel the payment and why that money was not refundable back to the bank. The man whose answered the phone did not know what to respond and transferred the call to another line. An answering machine answered, and I left a massage ( I am still waiting for a call back ). Due to this, a dispute was open. During the investigation I called once. I called to get an update of the dispute, but they said that they were still investigating. Then a day before XXXX I received a letter from Barclays Bank saying that the dispute was found in the favor of the XXXX XXXX XXXX and I was expected to pay them {$11000.00}.
With all due respect we are talking about {$11000.00} that I did not eat, drink, or did anything, not {$100.00}. Some people are very UNSCRUPULOUS. I dont know where they are connected, but I know that they are using my name to get money. Sadly, I know that I am not the only victim. But I pray that all this Pandora Box will open and expose the wrong doings to the light.
|
| 04/10/2020 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Advertising
- Changes in terms from what was offered or advertised
|
|
Web |
|
|
I am writing to seek assistance in my dispute with XXXX XXXX and associates ( XXXX XXXX XXXX ) who has defrauded me through misrepresentation of their product which was purchased on XX/XX/XXXX utilizing both XXXX XXXX XXXX by XXXX XXXX XXXX and RCI Elite Rewards Mastercard by Barclays Bank.
I would like to mention that I am no stranger to owning timeshare properties. I have owned a separate property in XXXX for over 10 years so I am familiar with the pros and cons of having one. In this instance, XXXX XXXX ( XXXX ) by way of both XXXX XXXX XXXX and RCI Elite Rewards Mastercard, companies within the vacation exchange industry, absolutely defrauded me. I was offered both credit cards during a meeting with XXXX on XX/XX/XXXX and was charged {$15000.00} on the XXXX XXXX and {$2900.00} on the RCI Elite MC. I am very much a victim of their intentional fraud and misrepresentation of the product and our agreement.
During my initial meeting with XXXX on XX/XX/XXXX, XXXX XXXX after negotiating my desired terms, I was verbally informed by XXXX that my contract would include NO Black-out dates and among other features, accomodations at the XXXX XXXX XXXX section of the resort would be accessible to me for 1 week each year for the next 10 years. XXXX also stated that each time I visited the resort, the money that I would spend to book the dates would go into my personal travel account called XXXX XXXX. These specified features were discussed in detail, and I made it unequivocally clear that these were part of my bottom line if I were to purchase a XXXX property. To be clear, the fraud and misrepresentation is in XXXX 's failure to speak to any of the very restrictive limitations of each of the aforementioned features.
The No Black-Out date feature I was unaware, is only available to me thru XXXX XXXX company with XXXX level status and not directly through XXXX XXXX. This severely affects my chances to book dates during the holidays because clients who are able to book directly thru XXXX XXXX have the option to make reservations 5 months in advance while XXXX XXXX members can only make reservations 1 month in advance. In addition to that, my XXXX status is only available for 2 years before its downgraded to XXXX status which does not contain the No Black-out date feature. This was not at all explained to me and was not part of our agreement. They roped me in with the No Black-out date feature but failed to mention anything about being downgraded to XXXX status or having to pay to maintain XXXX status.
As I mentioned, I was granted an option to stay at the XXXX XXXX XXXX campus, that's currently under construction, for 1 week annually for a 10-year period. However, after reviewing and discussing my contract with two separate representatives at XXXX XXXX, I have gotten two different explanations, neither one I agreed to. One representative stated that I was only granted 1 week ( and not 1 week each year for 10 years ) that I could use those accommodations. Another representative stated that I only had access to the resort for 10 years from the date of the contract so if for example, they do not complete the park until XXXX, I would only have access for 7 years. Both very misleading.
Lastly, based on our agreement, I was told that each time I visit the resort I would pay a certain amount depending on room size. The money I pay to book would transfer into a travel account thru XXXX XXXX which would be converted into credit that I could use to purchase a wide variety of items. This feature sounded great because even though I would be paying to book the room, I would not be losing the funds. After reviewing my contract, I called XXXX XXXX and I was told that I only had that feature for 1 year and afterwards I would have to pay for different package options to keep it. This was not part of our agreement.
At the close of my meeting, which lasted several hours, with XXXX, and expressly after being assured of my requested terms, I signed the contract and then asked for a copy for my review. I was not informed that I had 5 days from the date I signed to review and cancel. Instead of giving me a copy on sight, XXXX insisted on mailing it to my home address in Maryland. I only agreed to not walking out with a paper copy because XXXX stated that they would email me a version of the contract so that I could review it immediately. I believe these interactions may have been audio recorded.
To date, I have never received a copy of the signed contract via email from XXXX. Further, I did not receive the contract in the mail until close to 4 weeks after I returned from XXXX, and well after the 5-day review period. It was not until I received the contract in the mail that I was able to review the contract and read the many discrepancies between what XXXX stated to me at the time of signing. I immediately contacted XXXX and explained to them my issues. They were however unwilling to right their wrongs or adjust their breech of agreement. They stated that I had 5 days from the signing date to cancel. I now see why they were so insistent not handing me the physical contract and failed to email me a version so that I could review it. The contract took weeks to arrive. I also believe that XXXX XXXX XXXX and RCI Elite Rewards Mastercard facilitated this defraudment.
The agreement with XXXX also included me selling my old Timeshare through XXXX XXXX XXXX XXXX. They contacted me to complete the second part of the agreement charging {$4100.00} to the RCI Elite MC before I received the contract from XXXX XXXX.
I have been persistent in my fight against this injustice towards me by making the necessary phone calls, emails to the companies and even sending certified mail to both XXXX XXXX XXXX by XXXX XXXX XXXX and RCI Elite Rewards Mastercard by Barclays Bank. XXXX XXXX XXXX is in the process of investigating the matter, Barclays Bank however has closed their investigation in favor of XXXX. I and am willing to take it as far as I can to achieve justice. I am however currently working in the XXXX XXXX XXXX at XXXX XXXX XXXX Hospital in XXXX XXXX and am absolutely overwhelmed in this war against this pandemic. I do not want to my lack of attention to this matter to allow me to lose ground. I sincerely hope that this bureau will further review this incident and will be able to help me and to be a protector against consumer fraud.
Barclays Bank XXXX. XXXX XXXX XXXX DE XXXX Billing Dispute Case # XXXX Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Dispute XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ext. XXXX
|
| 03/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
On XX/XX/XXXX I applied for and was denied for by Barclaycard US for the XXXX XXXX credit card. I was debating on whether I should accept a pre-selected offer from XXXX XXXX XXXX for their Cash Rewards XXXX or the XXXX XXXX card. I have been weighing and evaluating on which card would make more sense for my type of spend, and being that I commute using XXXX a lot to go to work and dining out quite often. It made more sense for me to go with the XXXX XXXX from Barclays. Since XX/XX/XXXX, I have been doing my research about the company, about the card and reviewing my credit reports each time and made sure that I checked off all the possible boxes. I have read, and researched their terms and conditions, which made NO mention of the credit criteria and factors they would review to consider one for a credit card account. I pride myself for keeping my credit profile in check, though it maybe young, I have displayed flawless payments and management of my finances. It came as a surprise that they denied my application. I was denied because I did not have a long credit history. And that even a small starting limit was not an option. I have called and reached out to their credit analyst four times or more to plead my case and begged them to reconsider me on the basis of my responsible management of my accounts throughout the full 1 and a half years that I have been using credit cards. During the call for reconsideration, they have asked me the following : Q : How long have you worked with your current employer My answer was I have worked for the company since XX/XX/XXXX. I was hired in XX/XX/XXXX and started working officially on XX/XX/XXXX till present.
Q : Why did I only start with credit in XX/XX/XXXX?
Prior to XX/XX/XXXX, I have opted to live and pay for my bills in cash. Paid everything through my debit card. Then XX/XX/XXXXcame and I decided to move out of apartment sharing and opted to live alone and tried to qualify for a rent controlled apartment in New York. I was repeatedly declined because I did not have credit history. So since then, I have actively tried to find ways to kick start my credit journey. But still took my time since I did not know how to start it. I thought that having a bank account and an internet bill at the time would build me a credit history of some sort. I knew nothing about credit management. Until an work colleague suggested I tried to apply for a credit card to start a history and since then, I tried, but just like my apartment applications, I was being denied for having no credit history. I had no one guiding me, until I decided to go to my bank XXXX XXXX to inquire, and was told that I can open a secured credit to start building some history. Which I did and since then, I had only had stellar payment history with them, they graduated my card, and within the year, I was able to successfully acquire new trade lines, all of which had flawless payment history. One year since opening those accounts is when I decided to apply for this card managed by Barclays.
Q : Multiple Credit Inquiries I explained to them that as someone starting off with credit, I had no choice but to try and apply for accounts to see which one I would get approved for. It was my understanding that inquiries should only affect the consumers report for one year, and that although the inquiry will stay on the report for two years, lenders would only consider the most recent inquiries on the report, and to my recollection, I had aged of all inquiries on that report the last being XX/XX/XXXXwhen I applied for and was approved by XXXX XXXX. They questioned my 6 inquiries with XXXX which were all from XX/XX/XXXX.
Q : I have XXXX available credit limit, then why do I have 0 % Utilization?
I use all of my existing cards, about 20-25 % of the available credit and pay them down before the statement closes. As that is easier for me in terms of allocating funds and managing my finances. I want to pay down stuff when I already have the money for it. And all my other credit card companies seem to appreciate that. I also explained to them that my spending is usually for Groceries, occasional dining and commute/travel since I always have to take the train in to work. But I just pay them down since that is how I like to handle my accounts. I did not think that it would be seen as a negative.
Bottomline, they denied me for my length of credit history. Age of my oldest account is 1 year and 6 mos. And the Average age of all my accounts is 1 year. There was no mention of that in their webpage nor terms and conditions. They did not mention anything that if you had limited or x number of mos. or years of credit history, please wait until x number of years before you apply for a Barclaycard. If I knew that they would look down upon people with young credit profiles. I would not have wasted an inquiry and could have given that inquiry to a lender that would see the work I have done with my credit history and appreciate it, not to be grilled by and be discriminated against because my credit history is not long enough. I review factors, and it was my understanding that the positives on my credit report outweighed the age of my credit history. I wish I did not waste the inquiry. My goal was to strengthen my credit profile and not tarnish it. This year I planned to apply for that one XXXX card as that is the only thing missing among my trade lines and I do groceries a lot at Costco which sadly takes nothing else but a XXXX XXXX card, which is why I had opted to apply for one this year. Waited a whole year for it, just to get denied. And the sad part was that, it was Barclays that I chose to build a relationship with. I could have qualified with XXXX XXXX XXXX, and now, I have to hold off and age the inquiries again, before I could apply with a different bank. Financial institutions should really give some base line criteria from the get go, so that consumers can review them and make their determination whether to apply or not. I did not know that they needed people with long credit histories. At least XXXX XXXX would break it down on their page and differentiate their criteria for each of their Credit card products.
I have attached a copy of my credit reports and the terms and conditions I pulled and read prior to applying for the Barclays card. On my report you would see the positive factors and the negative factors. They pulled my XXXX report, but sadly, the work I had on all my accounts did nothing for them to reconsider my application.
|
| 10/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Barclays Credit Card Case ID # XXXX This is a summary. More detailed information will be uploaded.
XX/XX/20 A vendor called XXXX XXXX XXXX XXXX XXXX charged my Barclays Credit Card {$1200.00}. The following week, I called my Sales Representative ( XXXX XXXX XXXX ) and followed up with a call to the Company itself to explain that I need to return the merchandise due to the New York City shutdown as a result of Covid-19. In the end, they refused to accept my return. I called Barclays to open up a dispute claim and I was directed to go on-line which I did and opened the dispute claim.
XX/XX/20 I received a letter from Barclays Dispute Department stating unfortunately, we were unable to obtain credit on your behalf because we can not override the merchants policy in regard to a return/cancellation. I immediately called Barclays Dispute Dept. and explained that there is no return policy on either of my receipts ( 1. Credit Card Receipt and 2. XXXX XXXX XXXX computer printout receipt ). I also stated that I looked at last years receipt and there was no return policy listed on that one as well. Barclays then reopened the claim.
XX/XX/20 Received another letter from Barclays Dispute Department, this time stating The merchant has since supplied documentation that details what the transaction represents. Unfortunately, we are unable to further pursue credit on your behalf for this particular transaction. What does this mean, or have anything to do about a return policy on the receipt? I again called Barclays and spoke to XXXX who said, You cant keep the merchandise and receive a credit. I said, I know, but the company refuses to take the return. Again, it does not state any return policy on either of my receipts. She said send XXXX XXXX XXXX XXXX whatever merchandise you have, make sure you get copies of all shipping documents, receipts, and put your case ID number on everything and fax it to XXXX ( Dispute Department Fax Number ). You must do this within 10 days for the dispute claim to stay open. I asked, what about the XXXX of XXXX holiday?. She said, that day will be excluded. I thanked her for resolving the issue.
XX/XX/20 Purchased shipping boxes. {$27.00} XX/XX/20 Shipped merchandise. {$26.00} XX/XX/20 Faxed Barclays Dispute Department all receipts, shipping documents, a letter outlining return of 192 packages @ {$3.00} equaling {$570.00} with the ID Case Number on each page as XXXX instructed.
XX/XX/20 Verified package was received by XXXX XXXX XXXX XXXX, XXXX through XXXX tracking number.
XX/XX/20 Received another letter from Barclays stating that they are increasing my line of credit to {$15000.00} ( I did not request this and plan on closing any Barclay Credit Cards once this dispute is resolved ). I just want my {$570.00} credit.
XX/XX/20 Received two letters from Barclays Dispute Department. First letter dated XX/XX/20 dated Merchant has not violated the terms and conditions of the contract. Again, what does this mean? This has nothing to do with not having a return policy on either of my receipts from this year or last year. Besides the fact that {$570.00} worth or merchandise has been shipped back to XXXX XXXX XXXX XXXX and is now in their possession.
The second letter dated XX/XX/20 stated unfortunately, we were unable to pursue credit on your behalf for this particular transaction ( s ) for the following reasons : the chip on the card was read and validated during the authorization process or the chip was present and CVV confirmed. What does this mean? First or all, this was a phone order, secondly, what does this have to do with not having the return policy on any of my receipts, lastly, now I no longer have the merchandise in my possession. The vendor, XXXX XXXX XXXX XXXX XXXX XXXX has had the merchandise for 3 months now ( per XXXX at Barclays request ).
I subsequently looked up via the internet and located the phone number of Barclays US Headquarters in XXXX for the Presidents office. I called the phone number listed for the Presidents office voicemail and left a message of who I was, and a description of the unbearable situation Barclays has put me in with this credit issue.
My husband also looked up Barclays on the internet and found a number of forums in both XXXX and the US that discussed how Barclays had a number of negative to horrible reviews from customers and that they do not take care of customer return issues, period.
The next day, XXXX from Barclays Presidents Office called and I explained the issue. She said that she would call me back.
XX/XX/20 I received a voicemail from XXXX. She said This is XXXX XXXX calling from Barclays Office of the President and this message is for XXXX I will follow-up with you with a letter. Thank you.
I have to this date, never received a letter or phone call.
XX/XX/20 Today, I was called by Barclays Collections. Once again, I tried and no luck! Today, after talking to four different people, I was told, unfortunately, we can not credit your account because the amount of the transaction is not the amount of the return. I stated, I do not have the merchandise, it was returned three months ago to the vendor, so open up a dispute claim for {$570.00}. They said they can not do that. I hung up and was completely flabbergasted.
I am requesting that this is corrected once and for all. I am due {$570.00} credit in addition to my interest/late fees. I am writing a check today, XX/XX/20 for {$37.00}, which I believe is the difference.
XX/XX/20 Found another phone number for the Corporate Office. Left a message for XXXX XXXX ( XXXX, XXXX ). No response.
Five excuses over six months without my {$570.00} credit with merchandise being returned to vendor over three months ago : 1. Unfortunately, we are unable to obtain credit on your behalf because we can not override the merchants policy in regard to a return/cancellation.
2. The merchant has since supplied documentation that details what the transaction represents. Unfortunately, we are unable to further pursue credit on your behalf for this particular transaction.
3. Merchant has not violated the terms and conditions of the contract.
4. Unfortunately, we were unable to pursue credit on your behalf for this particular transaction ( s ) for the following reason, The chip on the card was read and validated during the authorization process, or the chip was present and CVV confirmed.
5. Unfortunately, we can not credit your account, the amount of the transaction is no the amount of the return.
|
| 06/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Barclays Bank, XXXX and XXXX are collaboratively and continually in violation of the federal Fair Credit Reporting Act ( FCRA ) for FALSE and FRIVOLOUS reporting and their continuous refusal to remove their FALSE AND FRIVOLOUS report which destroyed, causing damages, my otherwise Excellent credit stature.
In XX/XX/XXXX, Barclays Bank inaccurately reported to XXXX and XXXX that my account was 30 days late for {$19.00}, when in reality it was merely a shortage of on-time remittance by {$4.00} and only because Barclays wrongfully refunded my credit balance without my request which caused the shortage and they further failed to notify me or send me a Notice of Short payment which if they did, could have easily been paid instantly on the same day. In lieu of a legal notification, Barclays levied a 111 % Late Fee of {$4.00} which increased the shortage due to {$9.00}.
Because of Barclays false adverse reporting to the credit bureaus, even for such a minimal amount of {$4.00} ( or {$9.00} or {$19.00} ), my credit score plunged by XXXX points from XXXX ( EXCELLENT ) to XXXX ( Good ). The credit scoring system of XXXX and XXXX is defective.
XXXX XXXX XXXX XXXX XXXX : the law does not care for small things ; the law does not bother with trifles. Barclays reporting to the CRAs of an insignificant dollar amount of {$4.00} ( or {$9.00} or {$19.00} ) is considered FRIVOLOUS by law and should not even have been reported to and by XXXX and XXXX in the first place. Something or some act which is de minimis in interest is one which does not rise to a level of sufficient importance to be dealt with judicially. Trifles, or matters of a few dollars or less. 121 F. 2d 829, 832. A crime which is de minimis may be dismissed under the Model Penal Code and similar statutes. Model Penal Code Section 2.12 Paying late is not even a crime. But Barclays Bank and XXXX XXXX XXXX are treating it like it is. Therefore, based on de minimis doctrine, this petty reporting ( even assuming it were accurate, which it is NOT ) should be deleted immediately.
Please also take note that this incident happened during the time-period when the Global Coronavirus-19 pandemic was still ongoing, when the US government, being very considerate, initiated the FORGIVENESS of loans and imposed the EVICTION MORATORIUM and the FORECLOSURE MORATORIUM, when utility companies like the Gas Company posted OVERDUE BILLS FORGIVENESS on its website, when banks ( except Barclays Bank ) were not charging or were waiving late fees and interests for REAL late payments. Yet, why was Barclays the only contrarian bank that is doing the exact opposite of governmental actions and continuing to report a trivial and fake information that is in violation of the federal Fair Credit Reporting Act ( FCRA )?
Background : In XXXX, My Wyndham Rewards Visa credit card issued by Barclays Bank was recommended to me by my Timeshare company, XXXX ( whose name is imprinted on the card, implying their affiliation ), and I only accepted it, so Worldmark could automatically charge my quarterly maintenance dues every XXXX day of XXXX, XXXX, XXXX, and XXXX, and in turn, my Bank was set up to AUTOPAY Barclays on the XXXX ( 2 days before the XXXX due date ) every XXXX, XXXX, XXXX and XXXX.
Please take note, that due to my excellent credit standing, I am one of the very few owners who still pay the maintenance dues for years XXXX and XXXX even though the resorts were closed in XXXX and partially in XXXX, even though my scheduled vacations were cancelled and my unused points were forfeited due to the Covid-19 pandemic. I wonder why the XXXX XXXX XXXX XXXX did not impose a Maintenance Dues Moratorium in XXXX and XXXX when the resorts were closed and no maintenance dues were actually paid by the Timeshare companies like XXXX and XXXX XXXX ( my other timeshare ). Other owners just stopped paying by themselves during XXXX and XXXX, except me.
All my accounts are set up on AUTOPAY, so I am never late with any company ( as you can verify from my credit reports for the past three decades ), including Barclays. In my first year with Barclays in XXXX, I had always overpaid and ended up with CREDIT BALANCES, and I never, never called them to ask for a refund of my credit balances. But for the first time on or about XX/XX/XXXX, without my request, Barclays suddenly refunded my credit balance from my May overpayment, which therefore caused my next payment to be short by {$4.00}. I was not aware of the refund or the resulting shortage because I never received my statement or any notice, by phone, email, or mail, which if they had communicated with me, I could have paid INSTANTLY way before it became overdue and assessed a 375 % late fees.
Additionally, on top of the late fees & interests and the unnecessary ADVERSE REPORTING to the CRAs by virtue of the De Minimis doctrine, for a minute {$4.00}, again without notification, Barclays surreptitiously suspended my card and declined the charge of {$180.00} made by their supposed affiliate Wyndham on XXXX.
In XX/XX/XXXX, I received a phone call followed by a first-time-ever dreaded collection letter from XXXX, attempting to collect the {$180.00} plus late fee and interests. Barclays Bank also managed to destroy my perfect payment history of two decades with XXXX. XXXX was also the only time I found out about the {$4.00} shortage and the very HARSH actions undertaken by Barclays bank in the year of the continuing Coronavirus pandemic.
Instead of me paying {$180.00} directly to Wyndham on XXXX up to XXXX without penalty, the money was still automatically paid by my bank, as scheduled, to Barclays on XXXX, two days BEFORE the banks XXXX DUE DATE. In XXXX, their alleged 30 days late amount was still at {$9.00} ( $ XXXX late fee ) and NOT {$19.00}, as they erroneously reported to the CRAs ( which would have been the correct amount only if paid late - AFTER XXXX ). And I ended up with a huge CREDIT BALANCE of {$160.00} with Barclays Bank since XXXX which, IRONICALLY, they kept and used my money for three months ( up to XX/XX/XXXX ), despite my request ( this time ) in XXXX for a refund and they never paid me any interests, like the 375 % interests & fees they charged me for a mere {$4.00}.
Yet, instead of reporting a ( {$160.00} ) CREDIT BALANCE on my credit reports in XXXX, XX/XX/XXXX, and XX/XX/XXXX, Barclays erroneously reported a XXXX balance, and they still failed to remove the erroneous {$19.00} - 30 days late negative report.
|
| 02/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
Older American |
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Summary : Barclays never tried to notify me before sending negative reports to the three Credit Reporting Agencies and ruining my credit rating. If they had, the issue, caused by simple miscommunication, would have been immediately resolved.
The Background : In XX/XX/XXXX, I received a new Barclay 's Ring Mastercard with a credit limit of {$30000.00}. The high credit limit is due to the fact that I have always had a stellar credit rating over the last 40 years.
In XX/XX/XXXX, I tested out the credit card and made four nominal charges totaling {$170.00}.
On XX/XX/XXXX, I received a USPS letter from Barclays ( dated XX/XX/XXXX ) stating that my account was three months past due. This was the first notification that I received from Barclay 's for the XXXX charges since no invoices were received. Within an hour of receiving this letter, I called Barclays and had an eCheck issued to them for the {$170.00}, plus {$6.00} in interest, plus {$87.00} in late fees. Total = {$260.00}.
The promptness of my response to paying off the debt once I became aware of it, is indicative of my previously established habits that have resulted in having a stellar credit rating. I always pay my credit card charges promptly.
During the conversation with the Barclay 's representative, they informed me that Barclay 's had already submitted negative reports to the three Credit Reporting Agencies ( CRA 's ) in regards to the nonpayment of the initial charges. This is the crux of my CFPB complaint. Barclays never tried to notify me before sending negative reports to the three Credit Reporting Agencies and ruining my credit rating. If they had, the issue, caused by simple miscommunication, would have been immediately resolved.
The Problem : The root cause of the problem was that Barclay 's submitted the credit card invoices via email instead of regular USPS mail. The invoices were never received by me, because Barclay 's never verified a proper email communication link with me.
When Barclays sent the physical credit card, they established and verified a valid USPS mail communication link with me. When I called in to Barclays to activate the credit card, a valid Telephone communication link was established. However, Barclay 's did not utilize either of these validated communication links to provide the invoices. Instead, they used an unverified method, email, which did not have an established bidirectional communication link. In later conversations with Barclay 's escalation manager, she speculated that the invoices probably went into my email spam folder. That is probably what happened, but she also said that it was my responsibility to check the spam folder for the invoices which is a completely unrealistic expectation.
The Follow-Up : When I was speaking with the Barclay 's representative on XX/XX/XXXX, he provided me with the address to dispute the credit agency claims - Barclays Credit Bureau Dispute Department.
On XX/XX/XXXX, I submitted a letter to Barclay 's Credit Bureau Dispute Department explaining the problem ( as I have noted above ), and requesting that they reverse the negative CRA reports as they were a communication mistake.
On XX/XX/XXXX, I received a short form letter back stating that, " ... our investigation confirmed that your account is being reported accurately ''.
On XX/XX/XXXX, I submitted a second letter to Barclay 's Credit Bureau Dispute Department stating that their initial conclusion of, " ... reported accurately '' is technically correct because Barclay 's did not receive payment. But that was not the the reason I appealed. My appeal was because Barclay 's is culpable for the miscommunication that caused the late payments. Because of that, they should take responsibility for their error and reverse the negative CRA reports. I also emphasized that they had the means to communicate with me via USPS letter BEFORE they sent the negative CRA reports, but they chose to report me first and then send me the letter I received on XX/XX/XXXX.
On XX/XX/XXXX, Barclays sent the exact same form letter to me that they sent on XX/XX/XXXX with the same words that, " ... our investigation confirmed that your account is being reported accurately ''. No acknowledgement whatsoever of what was in my letter or any recognition of XXXX 's culpability.
On XX/XX/XXXX, I posted a message on Barclay 's website asking for help. I was contacted by phone a couple days later and explained the situation whereas I was given a Manager 's name to contact. After speaking with her, she said that she couldn't do anything but reopen my case, and referred me to an Escalation Manager. I spoke with the Escalation Manager and she said that she could not remove the delinquency because Barclays had not received an " undeliverable email '' notification when the invoices were sent to my email. Thus, they assume the emails went through and if the invoices went into my spam folder that it was my responsibility to find them there. She then provided me with the address of the Office of the President to escalate the matter to.
On XX/XX/XXXX, I submitted a letter to the President of Barclays explaining the situation and the simple miscommunication, pointed out how the internal policies prevented the Managers from removing the CRA delinquency reports and requested that he have his team retract the negative information that was sent to the CRAs.
On XX/XX/XXXX, the President 's Assistant called me and left a voicemail on my phone with her name and extension. I promptly returned the call but was sent to voicemail. No return call. I called twice the next business day with no return call. Three times the following day with no response. 16 additional calls were made over the next several weeks leaving messages for both the President 's Assistant and the Office of the President 's voicemail, with no responses.
On XX/XX/XXXX, I submitted a second letter to the President of Barclays informing him of the several unanswered calls that have been made and requesting that he please address my concerns. No response has been received. I have made several calls to the Office of the President over the last couple of weeks and all went to voicemail with no call-back responses.
On XX/XX/XXXX, out of total frustration on what should have been a very simple issue to resolve, I am submitting this complaint to the Consumer Financial Protection Bureau.
Thank You for your help.
|
| 04/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
After sustained economic hardship stemming from the 2 hurricanes ( Irma and Mara ) that hit XXXX XXXX in XX/XX/XXXX and the COVID lockdown, I have made every attempt to get back on my feet. During the past 2 years I have made steady progress, paying off almost all the debt incurred during these past years. Once I felt I had payed off enough of my credit card debt with two different companies and could work something out, I reached settlement agreements with both of these.
The first agreement was a 4 payment plan that would pay off around 55 % of the debt at the moment, I held up my end of the deal and after the last payment I received a letter from them confirming that " We received your final payment, and you have completed the terms of your settlement agreement. ".
Nonetheless, I never received any such communication from the second credit card company. After complying with a 3 payment plan ending in XX/XX/XXXX, I proceded to call them and ask why. I was then told that I hadn't complied with the agreement, which I completely disagreed on. After many, many phone calls and many, many hours devoted to solving the mystery ; I was told that the 2nd payment was made for {$300.00} instead of {$350.00} and therefore, I had failed to complete the settlement. They said that they would open an investigation and get back to me with the results in 24-48 hours. They never got back to me.
I proceded to call again and -after the mandatory 2 hours and 4-5 handoffs from one agent to another and from one department to another- I was told that they had listened to the recording of our initial phone call and that the agent had said the amount agreed for the last payment was in fact a {$350.00} final payment. They added that I had only payed {$300.00} and was in default. Since I never made any payment myself because it was automatic deductions from my bank account, I let them know I was in complete disagreement and would call back at another time as I'd already spent hours that day on the phone in an attempt to clarify the situation.
I called again and again and finally on the XXXX of XXXX, XXXX, after I spoke to more than 6 agents I was handed off to a Supervisor who, once he learned that I wasn't making payments at all rather undergoing automatic deductions in my bank account ; said he would find a resolution to this case. He said he would try and do so before that Friday because he would be out on paternal leave after the end of that week. He continued to say that otherwise I would receive an answer before the XXXX of XXXX, XXXX. I never got an answer that time either.
To my great surprise, I received a letter from said company billing me for the account 's balance ( the same amount that would be condoned after making the agreed 3 payments ). I called again today Monday XX/XX/XXXX. I spoke to 4 different agents, I spent approximately 4 hours on the phone. I was told the would reopen an investigations they felt that my case had been mishandled. I went ahead and asked they stop their collection attempts and any reporting to credit agencies until the investigation was clarified. I was told that they wouldn't do that. I asked when I would have an answer to the investigation, since I have increased my credit score by approximately XXXX points in the past months and would not want to put that at risk. I was again told, they couldn't give me a date.
I asked for the name and phone number of an agency or organization that I could contact in order to file a complaint, I was denied that information and told to go get it on my own by the rude, disrespectful, impatient collection department supervisor.
Here are the facts : 1 ) I had a credit card with the company.
2 ) I had a debt with said company.
3 ) I reached a Settlement Agreement with them.
4 ) I received a letter from them stating the following : " Hi. We are confirming your authorization to deduct funds from your bank account to pay your XXXX Rewards Mastercard Account.
Here are the details of those payments. Please keep this letter for your records.
XXXX {$600.00} XXXX {$300.00} XXXX {$310.00} '' 5 ) I kept my end of the deal and kept sufficient funds in the bank account I offered for the automatic deductions agreed upon in our Settlement Agreement.
6 ) The 3 payments were deducted from my bank account.
{$600.00} on XXXX XXXX, XXXX reference # XXXX {$300.00} on XXXX XXXX, XXXX reference # XXXX {$310.00} on XXXX XXXX, XXXX reference # XXXX XXXX ) After not receiving a statement from them confirming full payment as per our agreement, I called them. They stated I was in default for not complying with the right amount in the 2nd payment. I explained our agreement was made so that automatic deductions were made, they took the money from my bank account. I didn't make a mistake in payment, they made a mistake in deduction. told them I even had a letter from them saying the 2nd payment was for {$300.00}.
8 ) They have told me that they agree with my interpretation but they can only ask to reopen the case. Case was reopened today.
9 ) I asked they stopped collection attempts and especially reporting to credit agencies, as the case was being investigated. They denied my petition.
10 ) Any negative remark to credit agencies will most definitely interfere with my credit score progress and on-time payment history.
11 ) I ask you listen to my complaint and provide assistance, an adversative procedure within the Credit Card company 's bureaucracy is a one-sided process with next to nothing in terms of recourse or options for a consumer.
12 ) This establishes a very dangerous precedent for consumers when confronted with Credit Card companies where they -even when charged with the responsibility of making the proper deductions- can purposefully deduct any smaller amount with the aim of putting your Settlement Agreement in default. This would cause the following : baiting consumers into agreements that involve making payments totaling approximately half the debt in just 3 months with the false promise of erasing full debt. Going after those same clients and asking for the remaining balance based on a false premise of breach of contract.
13 ) In my case the deduction was a mere {$50.00} less than what they say it should've been. Nobody in his right mind would pay 50 dollars less on a {$1200.00} balance and risk paying more than twice as much later.
|
| 01/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I am writing to submit a complaint about the dispute process on my Uber Credit card with Barclays. The initial charge concerned was for {$430.00} on XX/XX/XXXX with XXXX. This was for the purchase of a plane ticket, which was canceled on XX/XX/XXXX because of the coronavirus. Initially, the company promised a refund of the ticket, but it never sent my refund despite my efforts to request one.
After a few months of trying to pursue a refund with XXXX, I decided to escalate the situation by disputing the charge on my credit card. I sent my dispute letter in XXXX of XXXX. Since XX/XX/XXXX, Barclays has failed to investigate my case properly and issue a refund for the purchase. Each time I have called or received written communication from Barclays, the representative has given me information that contradicts what was previously said. Each time, the representative has told me that the previous agent at Barclays was incorrect.
I have made a good faith effort to resolve this issue, first by communicating with the merchant and then by calling and writing to Barclays. I believe Barclays and its agents/representatives have been intentionally deceptive by providing me contradictory and/or inaccurate information. They continue to delay my case and have failed to resolve the issue, and I believe Barclays simply intends to wait it out until I stop pursuing my dispute.
To provide context for my complaint, I am providing a detailed timeline of my correspondence with Barclays. This timeline is based on the notes I took during/after each phone call and the written letters I have received. I can also provide copies of the letters received from Barclays.
( approximately ) XX/XX/XXXX : I sent a letter to Barclays to open my dispute case.
Letter dated XX/XX/XXXX : I received a letter from Barclays indicating they received my dispute letter and that it would follow up if additional information was required.
Letter dated XX/XX/XXXX : I received a letter from Barclays identical to the one sent on XX/XX/XXXX.
Letter dated XX/XX/XXXX : I received a letter stating my dispute case was closed because Barclays did not receive enough documentation. The previous letter ( XX/XX/XXXX ) indicated Barclays would ask for any documents necessary, yet I never received this request.
Call around late XX/XX/XXXX or early XX/XX/XXXX : I called Barclays to follow up on the letter from XX/XX/XXXX. I explained that my case was incorrectly closed because I never received a request for additional documents. The representative instructed me to send another letter with copies of my correspondences from the merchant. I sent this letter around XX/XX/XXXX.
Call on XX/XX/XXXX : Since I had not heard back about my letter from XX/XX/XXXX, I called Barclays to follow up. The representative told me that the case was re-opened based on the information in my letter sent around XX/XX/XXXX. The representative said that Barclays would contact the merchant, and the merchant would have 90 days to respond. The representative said that if the merchant did not respond by XX/XX/XXXX ( the end of the 90-day period ), then I would receive a refund to my account. The agent assured me I would receive this refund by XX/XX/XXXX.
Letter dated XX/XX/XXXX : I received a letter stating my case was closed because it was outside the timeframes to continue this claim.
Call on XX/XX/XXXX : I called Barclays to follow up on the letter from XX/XX/XXXX. I spoke to 4 representatives because my call kept being dropped. I informed the representative about the promise to receive a refund by XX/XX/XXXX ( See call on XX/XX/XXXX ).
The first two calls were dropped.
Representative 3 ( call 3 ) : Told me that the case was closed due to the time frame for the case having elapsed. This representative said that the previous representative ( from XX/XX/XXXX ) was incorrect about promising the refund.
Representative 4 : This person told me that the case had been wrongly classified. It was classified as a lack of refund/credit, and the case needed to be re-classified as a no services/product received. The representative said she was escalating the case and I would hear back within 8-10 business days.
Call on XX/XX/XXXX : I called Barclays since it was the end of the 8-10 business day time frame and I had not been contacted. The representative told me more time was needed, and I should call back on or after Friday ( XX/XX/XXXX ).
Call on XX/XX/XXXX : I called Barclays to follow up about my case as directed by the previous phone call. I spoke to three representatives. This phone call lasted 53 minutes.
Representative 1 : Put me on hold while reviewing the case. When the hold ended, I was suddenly speaking to Representative 2.
Representative 2 : He said that he saw my case was escalated and he would make a note that I called. He said I needed to wait for the case to be reviewed and he would forward me to someone else to speak to.
Representative 3 : He completely contradicted Representative 2. He said the case had been closed on XX/XX/XXXX and I needed to send a letter in order to reopen the case. This was the opposite of Representative 2, who said the case was in the process of being escalated. Representative 2 also said that the information I was provided by other representatives at Barclays was incorrect. On several occasions, representatives have contradicted previous representatives and indicated other Barclays agents were incorrect.
Summary I am submitting this complaint because Barclays has offered several competing and contradictory explanations for my situation : the refund will be issued XX/XX/XXXX, the case is being escalated, the case is being closed, etc. At each step, I have followed the directions of the Barclays representative with whom I spoke, and when Ive followed up on those directions, the new representatives says the previous one was incorrect. The representatives/agents at Barclays appear ill equipped or inadequately trained to review my case and provide me the correct information for how I can proceed.
I have spent approximately 4 hours on the phone with Barclays trying to resolve my dispute case. I believe these practices are deceptive and an effort to make me, the customer, drop my case. This is a clear breach of the dispute process laid out in the terms and conditions of my Barclays credit card.
|
| 06/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
To Whom it May Concern ; Im a client of Barclays Bank Delaware ( the Bank ). I believe the Bank has violated several Regulation E citations as it relates to transaction dispute process, as well as the Bank engages in unfair, deceptive, or abusive acts and practices ( UDAAP ) for their credit card add on products.
On XX/XX/2022, we purchased a five day, all included vacation package through XXXX XXXX XXXX XXXX ) company. This was not the first time we are doing it. We chose the XXXX XXXX as we have stayed there previously and liked it. The marketing on XXXX website stated that this is exclusive resort recently renovated, and the beautiful pictures confirmed their statement. The trip cost was {$3900.00}.
When we arrived, things looked a bit different.
First, resort looked nothing like it was presented in the pictures on XXXX web site, but that was not the worst thing. We were placed in the room which was not what we chose when we purchased the trip, the Manager stated that room is changed for the tech difficulties with A/C system ( ok things happen ).
So, we unpacked and went to grab something to eat, time is around XXXX Local, to our surprise only working food stand had burgers, ( just a bun and a beef patties ) and drinking water, again not a big deal, at XXXX restaurants will be open for dinner. We decided to get back to the room change for the beach.
After entering the room, which smelled unpleasant with scent of mildew we found that all our clothes and other items are infested with bugs, I start filming it, we do not know what they are and what they do but to me it looked like lice or perhaps sand fleas. I told my wife to start packing and cleaning and I, myself went to the front desk to talk to admin and XXXX representative. Admin on duty right away offered to change the room to a different one after reviewing the video and stating that it is probably spiders!
I went to inspect the room but come back because room walls and ceiling was covered in mildew ( see attached pictures ). Once again, we were offered another unit, which was sort of OK. XXXX rep was not on premises and impossible to reach over the phone or email.
For dinner, food quality and variety were almost nonexistent. Three different courses of main dish, vegetables, or fruit nowhere to be found it was really uphauling. All my statements have video or digital picture proof and provided upon request, also supporting evidence can be requested from the couple we befriended during the stay from XXXX, they were shocked by the service and quality or lack of it. Next day we contacted XXXX rep and asked to move us to a different resort or send us home, the answer was that it is impossible because all resorts they manage are fully booked and additional flights are not available. We tried to book the return tickets ourselves but were unable to acquire any. So, we were stranded to the end.
Now lets move to the beaches. Beach access is nonexistent, rocks and black dirty sand, when we were visiting previously approximately 7-8 years ago this resort had a pretty nice beach with beach chairs and nice umbrellas to protect from a sun, this time only couple standing umbrellas and some broken chairs which people are reserving XXXX oclock in a morning, for approximately XXXX people in a resort I figured about 200-300 chairs and about 50 umbrellas, clearly the resort is overcrowded and over booked. So that left us all at the mercy of the pool which hygienic conditions were very questionable. I managed to meet with the resort managed and discuss the issues, he stated that resort is struggling financially and not because of the COVID, but mostly of a bad management. I was offered a voucher to the restaurant as compensation, ( Keep in mind, it is ALL INCLUSSIVE resort ). On the day 3 of the stay during the dinner all resort plunged into complete darkness power was for some reason cut down, no warnings or explanation was given for hours.
Bars in a resort does not even have non-disposable cups for coffee, drinks are served eider in plastic cups or mismatched glasses cleanliness of which is very questionable This is just a short summary of our horrible experience. I think that paying a $ XXXX night ( if you count, leaving the business which I manage and our two dogs with a sitter it comes to that $ XXXX {$1200.00} a night ) we were entitled to some comfort.
Upon return home I contacted XXXX, the vendor of our vacation and requested our money back, but my request was denied.
So, I decided to make a claim to my Barclays XXXX XXXXXXXX card. We had purchased additional Trip insurance, but they explained that this complaint does not fall under parameters of this insurance ( sounds like a sketchy insurance and useless ), clearly the Bank is engaging in a form of a XXXX by selling this add on product with no benefits of travel. Finally, they agree to launch an investigation on XX/XX/2022. The Bank offered a provisional credit for the amount charged {$3900.00}. During the time till XX/XX/2022, no one contacted me regarding the issue in any way, when I called in to inquire in XXXX, answer was case is still under investigation. I did not receive any communication indicating the Bank received my claim and has started the investigation as Regulation E requires.
On XX/XX/2022, I was checking my statement for payment and was surprised that charge was reposted without any explanation. I did not receive any communication as it relates to the outcome of the investigation. I did not receive any communication as it relates to retracting the provisional credit as Regulation E requires. Further, I did not receive the Bank request for an extension of the investigation beyond the allowable time frame per Regulation E. So, I called back and was offered to reopen the case but first I must pay the bill. Is the purpose of the credit card or banking institution is to protect consumer from fraudulent charges and help me deal with a vendor that is not being cooperative? When I pay for a product or service and I do not get it as it described, charge should not be applied. I am not liable for faulty product and or service in the end it is my money and I decide to pay or not, the other party can take the legal action to resolve their issues.
|
| 10/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
On XX/XX/2022, my husband and I met with XXXX and XXXX XXXX salespersons at XXXX XXXX XXXX, XXXX. We were taken advantage of, mistreated, lied to, coerced, and swindled by XXXX 's and XXXX XXXX 's salespeople. After 7 excruciating and exhausting hours, being physically moved to 3 different sales areas in the resort, and with 5 different salespersons that day, after we explained to every salesperson we met with that we were not in a place emotionally or financially to make a decision to purchase anything because of the loss of our 2-day old grandson just a month prior, we finally were broken down enough to agree to a purchase of the cheapest offer of the day. Regarding the contract we signed for the XXXX XXXX purchase, we were repeatedly assured that we were able to stay at XXXX XXXX anytime we wanted to for 100 years, the same as the XXXX membership ( which we said we could not afford ) would offer, but the less expensive XXXX XXXX package would allow us travel to other resorts and hotels as well. The salesman explained that the XXXX XXXX package would also include the bonuses of 1 free week staying at participating XXXX resorts as well as two free round trip airline tickets, and two resort weeks at XXXX XXXX XXXX. The XXXX XXXX salesman explained that we would receive more detailed information about our XXXX XXXX package and membership privileges within several days of purchase. On XX/XX/XXXX, I was told by a XXXX XXXX representative on the phone that we would be receiving login information to use to access the membership privileges on the XXXX XXXX website within a few days and then we would have access to the details of our package. Not until we filed a complaint with the XXXX XXXX XXXX, 3 months later, did we receive any information about how to log in to create an account and access information about our membership with XXXX XXXX XXXX XXXX In XX/XX/2022, we provided documentation to XXXX of the transaction between my wife and myself and XXXX XXXX XXXX XXXX, XXXX which was also provided to the XXXX. As noted in that documentation, the credit card company we used to pay for a portion of the vacation package determined the transaction fraudulent and refunded us the total charge of {$7700.00} paid to XXXX XXXX XXXX XXXX XXXX state they are retaining {$5000.00} of the {$12000.00}. paid by us on XX/XX/2022, as they claim this was an " initial membership participation fee '' which is non-refundable. Nowhere, in any of the paperwork we received regarding the transaction does it note that {$5000.00} of the total {$12000.00} charge is an " initial membership participation fee. '' In XXXX, we included the " XXXX XXXX Purchaser Acknowledgement '' form, the " Enrollment Application '', a " Payment Receipt XXXX '' and an " Authorized Initial Purchase Amount '' form for reference. Again, there was no mention of an " Initial Membership Participation Fee '' charge of {$5000.00} in any of that documentation. We received the " Authorized Initial Purchase Amount '' form from the XXXX credit card XXXX XXXX XXXX mail about 3 weeks after we purchased the vacation package on XX/XX/2022. This was after we notified XXXX and XXXX XXXX of our dissatisfaction of the purchase and our request for a refund. In this form " Your Rights If You Are Dissatisfied with Your Credit Card Purchases '' are noted. To exercise the right to not pay the remaining amount due on the purchase following trying in good faith to correct the problem with the merchant the following conditions must be true : 1. The purchase must have been made in your home state or within 100 miles of your current mailing address.
2. You must not yet have fully paid for the purchase.
Since we purchased the vacation package while in XXXX, the purchase was not in our home state or within 100 miles of our address, and we did pay in full. We were never informed of these ridiculous conditions of our customer rights when we applied for the in-house financing ( XXXX XXXX credit card XXXX XXXX Nowhere in any of the documents provided to us by XXXX XXXX XXXX is there an explanation or description of an initial membership participation fee charge of {$12000.00} or {$5000.00}. The purchase price is noted as " enrollment cost '' on the " XXXX XXXX '' contract ( Number : XXXX ). The {$5000.00} charge on the XXXX credit card is noted as " Initial Purchase ''. The terms and conditions of the XXXX credit card were never provided to us at the time we applied for the card. We received a hard copy of the terms and conditions by mail several weeks after we applied for and paid XXXX XXXX {$5000.00} XXXX If we would have received the terms and conditions and been aware of the restrictions regarding being able to dispute charges only if charges were made in our home state or within 100 miles of our home address, we would certainly have not used that card for any part of the purchase. We believe this is part of the fraudulent, deceitful, and unethical business practices of XXXX XXXX XXXX XXXX We have been swindled out of {$5000.00} by XXXX XXXX XXXX and XXXX XXXX We have received no service or goods for the {$5000.00} charge on the XXXX credit card. XXXX XXXX and XXXX XXXX XXXX consider this case closed. We do not consider this case closed because the contract has been cancelled by XXXX or XXXX XXXX XXXX We will consider this case closed whenthe {$5000.00} charge ( and late fees ) on the XXXX credit card are removed. Moreover, when we received notification by letter in XX/XX/2022 that XXXX was investigating our complaint ( Case # XXXX ) regarding the transaction and charges, we contacted XXXX by XXXX. The representative we spoke with assured that the case was closed and the {$5000.00} initial charge as well as the late fees would all be reversed and our account with XXXX would be closed. We were shocked when we received a bill in XXXX for the {$5000.00} plus interest and late fees. XXXX XXXX XXXX XXXX XXXX provided a response to our complaint and disputed our accusation of fraudulent business practices. The XXXX provided documentation to us that XXXX XXXX did not respond to the complaint for fraudulent business practices. We have received no goods or services for the {$5000.00} charge on the XXXX credit card statement.
|
| 11/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I originally purchased a XXXXXXXX XXXX XXXX design XXXX XXXX online from a company named XXXX on XX/XX/2023, for a total transaction price of {$85.00}. The actual XXXX XXXX website was sold out of this design shirt. The XXXX website states the products are 100 % authentic. The website also states that orders are processed and shipped with XXXX business days. After placing my order, the website stated I would receive an email confirmation of my order. My credit card was charged, though I never did receive an order confirmation. I then reached out to XXXX on XX/XX/2023 after not receiving any information regarding my order or a shipping confirmation. After not receiving any response, I reached out again on XX/XX/2023 for a status update on my order. After XXXX of no response and no product, on XX/XX/2023 I filed a payment dispute with Barclay Card for the purchase amount of {$85.00}. Surprisingly I then received a plain white plastic wrapped bag direct from XXXX with no labels, tags or paperwork included in the mail. The shirt that was delivered resembled the XXXX XXXX XXXX XXXX that I had ordered, though was an obvious poor imitation. I immediately emailed the customer service email at XXXX in order to initiate a return, though I never received a response.
XXXX was able to provide the shipping information and delivery confirmation to Barclay Card and my non-delivery dispute was denied. Barclay Card mailed the denial letter along with the information provided by XXXX to me.
The response from XXXX showing that I had received authentic merchandise was flawed for several reasons : XXXX. The tracking information shows the item came from XXXX, though XXXX XXXX XXXX is made in XXXX XXXX and shipped to the customer from the XXXX headquarters in XXXX, Virginia. XXXX is in no way involved.
XXXX. XXXX included supposed email communication, though there is no communication from me in those messages? The XXXX email I have from XXXX following the dispute does not show my email address in any of the previous emails. I have all my emails stored in the cloud so even if they arrived in my spam box, I would be able to find them, which I could not.
XXXX. XXXX included a picture of the shirt that was supposedly shipped, which shows images of the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt that I ordered. This again shows the information provided was not authentic to my purchase.
I attempted to email XXXX again to initiate a return of the shirt I had received and received no reply. I also called the customer service number on the XXXX XXXX, though the phone had been disconnected.
I called Barclay Card and explained the situation of the imitation merchandise and was told, they could not open a new claim number, but I could submit a dispute under the same claim number, along with the reason for the new dispute. On XX/XX/2023 I mailed XXXX XXXX a description of the overall situation along with XXXX side-by-side comparison pictures of the shirt I received compared to an authentic XXXX XXXX XXXX XXXX. I also included the actual listing page from the XXXX website, the Dinalala FAQ page stating they sell authentic merchandise and that purchases are shipped within XXXX business days.
After submitting the XXXX dispute based on the imitation merchandise. XXXX XXXX mailed a response stating that they can not refund my payment because the merchant has not violated the terms and conditions of the contract. This is concerning for several reasons.
XXXX. The first reason is that XXXX XXXX completely dismissed my submission without reading it. The Federal Trade Commission states that if a consumer is subject to online shopping fraud, their first line of defense is to reach out to their card issuer. Unfortunately, XXXX XXXX did not operate under these principles.
XXXX. This would imply that the terms and conditions of the contract that Barclay Card is referring to does not address merchant fraud in any manner.
3. The terms and conditions of the contract that Barclay Card is referring to allows for fraud.
4. The final possibility is that the terms and conditions of the contract that Barclay Card is referring to promotes a Buyer Beware setting and allows for merchants to prey on unsuspecting consumers.
None of these options are positive.
I did attempt to reach out to XXXX again and by this time, the website had also been removed.
I called Barclay Card again after receiving this decision letter in the mail, because it appeared the information I sent was not actually reviewed. When I called on XX/XX/2023 at XXXXXXXX XXXX the agent ( I cant find her name ) looked at the merchandise comparison pictures with me, and even in XXXX and XXXX, agreed very much that the item in question was not the same as the authentic XXXX shirt. Although she is not able to make the decision, she sent a note to the back-house investigative team to reopen my case and she instructed me to send the information again to the Billing Disputes department. I mailed the complete packet of supportive information again on XX/XX/2023. The packet was lost in the mail, per USPS Tracking, and I had to mail a third copy to Barclay Card on XX/XX/2023 which was signed for on XX/XX/2023.
The XXXX response from the Barclay Card Dispute Office once again says that after a detailed review even though the letter is dated the same XX/XX/2023 day it was signed for through my Certified Mail submission. There could not have been a detailed review, only a quick dismissal and another denial letter.
The review would not need to be nearly as detailed as they would leave one to believe they performed. A quick scan of the comparison pictures I sent along with the picture of the XXXX XXXX XXXX XXXX shows as the shirt delivered, which has nothing to do with my purchase and the tracking information from XXXX should allow for a reasonable conclusion that this was not the authentic product.
I am submitting this complaint based on the fraudulent merchandise that was sold to me and the lack of cooperation from Barclay Card to review my complaint. With the size and impact of fraudulent XXXX activity it is concerning that Barclay Card is unwilling to get involved.
|
| 03/21/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX, while in XXXX XXXX, I made a reservation, over the phone, with a hotel, the XXXX XXXX, located XXXX XXXX, XXXX XXXX, using my Barclays Aviator XXXX XXXX XXXX Mastercard. The reservation had my party checking in XX/XX/XXXX and checking out XX/XX/XXXX. While making the reservation, I explained to the representative that our party consisted of XXXX0 people ( 8 adults and 2 children ). The representative explained that our party would fit comfortably in the 3 rooms that we were reserving, because the rooms were were getting contained a total of 4 king-sized beds. The total for the reservation {$2000.00}.
Upon arrival at the XXXX XXXX, I went through the normal process of checking in at the front desk and receiving the keys to the three rooms I had reserved. However, upon entering the rooms, I quickly noticed that we had not received the accommodations that were explained over the phone. All four of the beds in the 3 rooms were, in fact double beds, not king-sized beds. I immediately returned to the front desk to explain the problem with rooms. There was not enough space for our party. Their resolution was for us to rent another room or to purchase inflatable mattresses to provide more sleeping space for our party, but that they could not offer any other solution. Understandably, I was upset with the situation, and decided to contact my credit card company. I had to use the International Collect number to explain the situation. I was told by the credit card representative, XXXX, to take pictures of the rooms, if possible, to show the discrepancies of the actual rooms compared to the description I was given over the phone to provide evidence in my upcoming dispute. I was also told that I could not proceed with a dispute claim over the phone with her, that it was her the company 's policy that I create one online. I explained that I would do just that. We left the hotel and did not stay one night there, due to the fact that their representative had been dishonest with us in describing their rooms and that the beds were not large enough to accommodate our party. We were able to find another hotel and stayed there for our time in XXXX XXXX. After checking in at our new hotel, I immediately used my computer to begin my dispute. However, Barclay 's website explains that all online disputes must wait 14 days after the purchase to begin a claim. They did however, have a phone number to call regarding disputes. I immediately attempted to call the number, but unfortunately by this time in the day, their offices were closed. I called first thing the next morning, XX/XX/XXXX, to get as much information as possible. To my pleasant surprise, I was able to initiate my dispute on that day XXXX, XXXX and received my Case ID : XXXX. I was told by the Barclay 's representative to save my invoice from the second hotel that we were actually staying at for further evidence that we did not stay at the hotel. I asked him if the phone call was being recorded to also show that I was not staying at the XXXX XXXX XXXX. He assured him that it was being recorded. At this point I received a provisional credit covering the {$2000.00}.
Fast forward to XX/XX/XXXX. I had not received any correspondence from Barclay 's, up to this point. On this date, I received a letter explaining that Barclays was unable to pursue credit on my half, due to the fact that the merchant supplied documentation that details what the transaction represents. Also included in this letter was the statement, " If you have additional supporting documentation that was not previously disclosed, you may reassert your claim within 10 days of receiving this letter by sending a signed and dated letter to : Billing Disputes XXXX XXXX XXXX XXXX, DE XXXX ''. Before doing so, I called the Dispute department to make sure I was going about the process in the correct manner and to try to ascertain as much information from them as possible. The Barclay 's representative explained that my claim has been denied because the merchant had claimed that " services were rendered ''. This was clearly not the case. I had called Barclays on the date of check-in and explained that whole situation at that we were not staying. I also had initiated the claim the following morning from the hotel that we actually stayed.
I found it unacceptable that Barclays would communicate with the merchant throughout the " investigation '', but not one time reached out to it's loyal customer for information. Despite this fact, I gathered all of my evidence and moved forward and reasserted my claim within the time frame given by Barclays.
Fast forward to XX/XX/XXXX. I received a second letter, dated XX/XX/XXXX, from Barclays explaining, " After further review, we're not able to assist you with obtaining a credit to your account due to the following : Merchant has not violated the terms and conditions of the contract. Once again, not one time did anyone from Barclays attempt to communicate with me during their " investigation '', yet during both phases of their investigation were able to communicate with the merchant. Once again I attempted to contact Barclays via phone on XX/XX/XXXX at approximately XXXX. I was placed on hold at waited 2 and half hours until XXXX and was hung up on. XXXX is when their offices close. I called back the next day, XX/XX/XXXX and was thankfully able to get through. I was told that the claim was closed and that there was no other help that would be provided by Barclays. I asked to speak to a supervisor and after jostling back and forth with the representative, was finally placed on hold to wait for the next available supervisor. After being on hold for nearly 45 minutes, the representative came back on the phone to explain that no supervisor was available at this time. He took my phone number for a manager call back. He explained that I could expect a call within 10-15 business days. I found this hard to believe that no management was available to assist customers for up to 4 weeks including weekends.
So, that is where I am at right now in the whole process. My bill of {$2000.00} is due on XX/XX/XXXX.
Thank you, XXXX XXXX XX/XX/XXXX XXXX
|
| 11/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
My family and I travelled to XXXX in XXXX of XXXX I notified BARCLAYS ( XXXX XXXX Aviator ) that we would be overseas for our travel dates XXXX XXXX.
My husband has an extension card on my account which is what we used 95 % of the time during our trip to XXXX, XXXX and XXXX.
In XXXX, my husband 's card was declined a couple of times since we were out of the country. He called the XXXX and had that fixed. Not sure why this happened since I notified BARCLAYS about our trip maybe 1-2 weeks prior to our trip.
In XXXX, I used my own card a couple of times. Now, in XXXX, I get a text alert from my Jet Blue card ( both my XXXX and Jet Blue cards are under the same account ) saying there was an attempted purchase at an XXXX XXXX for {$1600.00}. They asked if it was me and I pressed the option that it was NOT me. ( I have the text records ) The same day an attempt was made with my XXXX XXXX for the same exact purchase at XXXX, yet I did NOT receive a text at that time. In XXXX from XXXX XXXX only ONE charge on MY card was made by me at a XXXX type pharmacy called XXXX on XX/XX/XXXX. There are another I'd say 6 at the same store. All other charges on XX/XX/XXXX and beyond are not mine. All other authorized charges on this account were made with my husbands card extension and it is confirmed in the charges in my statement.
When I got back to the sates, I went through my account and saw that there were multiple fraudulent charges in XXXX. About 25 of them to be exact. The {$1600.00} at the same XXXX store as well as small charges at cafes, post offices, computer repair shops and large XXXX XXXX purchases. All of these fraudulent charges totaled about {$2100.00}.
I called and spoke to a XXXX XXXX at BARCLAYS for 40 minutes on XX/XX/XXXX. We went through ever single fraudulent and not fraudulent charges. She marked them all and went through them at the end. At the beginning of the conversation, I explained to her that about my travel notice to card, as well as travel dates and that I wasn't quite sure what had happened to my card, but it was either stolen at the airport or fell somewhere or pic pocketed. All in all, I told her I no longer had my card and had looked for it when I saw the fraud upon my return home but couldn't find it. I was honest and it is on that phone call record which they confirm to have all phone records.
Well, it has now been over FOUR MONTHS since my 1st call to BARCLAYS XXXX XXXX XXXX Aviator ) about the fraudulent charges. Although they at first removed the XXXX charge and some of the smaller fraudulent ones, they sent a letter stating that they reversing it citing that the purchase was mine because " chip technology was used ''. Well, it was not in my possession, no pin was used which I don't understand why you don't need a pin for that size of a purchase.
It has been a complete nightmare to fight these fraud charges. I have been treated with the worst customer service. Have had to call so many times to have to tell different agents the whole story. They have read notes TO ME on my account which are lacking probably 80 % of the information I provided them with during my first phone call. There has never been one person in charge of my case, as I have been told it is the whole fraud department that works on the cases. I have received about 5 letters total about the charges. The first one removing the fraudulent charges pending investigation and then a bunch of poorly written, short answers with little explanation on their decisions. I have received ONE call when I requested a call back from a manager stating that I should FAX documents pertaining to my case which I found unnecessary and disrespectful as they had everything in the system and was NEVER asked to send in from the beginning, and I had to call 10+ times ( since everything takes " 7-10 days to review '' ). This was basically to give me the run around as they had been for months.
Since there wasn't anything else I could do ( before I knew about this site ) I prepared a detailed package of 9 pages which included everything from a cover letter explaining the details of the issues, XXXX phone records with my calls to them, airplane tickets. Highlighted fraud charges on my card, authorized charges on my husband 's extension card and a screenshot of their text to me about the attempted XXXX purchase with my other Barclay 's card ( Jet Blue ) On one of my first calls, they checked and CONFIRMED I never received the fraud alert text for the XXXX fraud charge on my XXXX XXXX, the card I have been writing about in this complaint.
I believe most of these months except the last two we had been making the payments in full- as we always have on a very timely manner since I got my card many years to avoid interest. We have started in the last couple of payments to only pay the minimum amount since we can no longer continue with this circus and disrespectful situation nor do we have the funds to!
Now, to top all of this off, there were two charges made on my cards prior to my trip on two cancelled hotel reservations. These were easy to take care of as I called the same day to advise them of the situation. One had not posted yet and the other was a charge on a XXXX reservation which was also cancelled, and I received confirmation of its notification from the result that I would not be charged. These charges which were already removed and haven't been an issue at all since my call to them in XXXX prior to my trip are just now coming up for an unknown reason and being put back into my statement! This is unbelievable. Also, they had apparently removed some XXXX charges which were clearly mine without my knowledge which shows just how messy and unprofessional this ordeal has been. So, the last two letters received in XXXX were of the reversal of those hotel charges and some random XXXX XXXX charges. I am beside myself.
I have not received a call or a letter or a call regarding my required " fax '' to them from the very first days in XXXX regarding my original complaint in regard to my XXXX fraud charges.
|
| 11/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Dear Sir or Madam, 1. BRCLYSBANKDE Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I immediately disputed this information with BRCLYSBANKDE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 09/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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Complaint Explanation 1- On XX/XX/2020, I had purchased an airline flight ticket using my Barclays Bank credit card for ( {$700.00} ), through the merchant ( XXXX ) ; my flight was scheduled on XX/XX/2020 on XXXX XXXX Operated by XXXX XXXX . ( Document No. 1 ) 2- Then, on XX/XX/XXXX, due to fears of an outbreak of the Corona epidemic specially in XXXX where the flight would transit, I had decided to cancel The flight thru the App. of XXXX XXXX and the flight was indeed canceled on that day. ( Document No. 2 ) 3- In the same day, an email issued by XXXX XXXX XXXX that they had received my request of cancelling the flight and that the cancelation is acknowledged.
4- Then, since I couldnt reach www.mytrip.com over the phone as they never answer, I sent them an email and asked them to give or send me a flight-cancelation confirmation email. However, they replied to my email saying that our records shows that the flight is not cancelled and that they do not recognize the cancelation of the flight by the XXXX itself!!!
XXXX So, I asked XXXX again via email to assure the cancelation of my fight, which processed by XXXX XXXX and obtaining a refund. But they had completely refused which is against their own flight-ticket-purchase terms and conditions. ( Document No. 3 ) 6- XXXX and I have been exchanging emails for over two months trying to get a proper refund of my purchased flight ticket, but unfortunately with no use or success.
7- Therefore, I had to file a dispute/complain to my credit card issuing Bank Barclays Bank , on late XXXX, 2020.
8- Barclays bank did not accept my dispute case for 3 times for no reason nor reasoning. Even though XXXX XXXX has twice confirmed to me, by mail, that they have refunded the flight ticket value back to the merchant in XX/XX/2020 Hereafter is a list of all the enclosed related/supporting documents : - A copy of the electronic ticket issued by ( XXXX XXXX ) with the same flight data ( Document 4 ) - An email issued by the XXXX XXXX, the flight operating XXXX, confirming that the price of my ticket had been refunded to the merchant on XX/XX/2020, at the end of the same month in which the flight was canceled. This means that the merchant had kept my money for itself for more than six months. However, the merchant has lied several times, at its emails, saying that they has not received the money so far from the XXXX and kept blaming the XXXX. ( Documents 5,6 ) - The cancellation policy for refund that have been agreed upon and contracted with the merchant. And which the merchant has violated the terms and conditions on his part. ( Document 7 ) - An email sent to me from the merchant confirming that they are going to refund me my money and that they will deduct all related fees, They also have confirmed the cancellation of the ticket. ( Document No 8 ) - An e-mail sent to me from the merchant on XX/XX/2020 confirming, for the second time, the cancellation of the ticket. And they had confirmed their request to the Airlines to refund the money. The merchant has also asked me not to try to contact them in any way until I receive another notice about my case. ( Document 9 ) - An e-mail sent to me from the merchant on the end of XX/XX/2020, since which they start lying to me whereas at this time they had already received the refund from the XXXX company. The merchant also kept blaming the XXXX company for the delay and kept promising me to return the money to me as soon as it is transferred to them from the XXXX. For the second time, they asked me not to try to contact them in any way until I receive another notice from them regarding my case ( Document 10 ) - An e-mail sent to me from the merchant on the same previous date, XX/XX/2020, which contains lies as well. For the third time, they asked me not to try to contact them in any way until I receive another notice from them regarding my case ( Document 11 ) - An e-mail sent to me from on XX/XX/2020 in which they continued lying. For the fourth time, they asked me not to try to contact them in any way until I receive another notice from them. ( Document 12 ) - An e-mail sent to me from the merchant with more lies on XX/XX/2020, and again, they asked me not to try to contact them in any way until I receive another notice. ( Document 13 ) - An e-mail sent to me from the merchant on XX/XX/XXXX, For the sixth time, for some reason, they asked me not to try to contact them in any way until I receive another notice from them. ( Document 14 ) - When I tried to communicate with the merchant repeatedly, specially because I knew for sure that they had recovered the money from the XXXX company as the airline informed me of that. ( Document 5 ) - Afterwards, they answered me " reluctantly '' that they have considered this matter closed and the reason is that because I did not communicate with them for 60 days!!!!! ( Document 15 ) - As I had no other option but to file a credit dispute claim to my credit card issuing bank " XXXX '', the merchant told me that I would not be able to get my money as I dared to file a file a complaint against them to the bank. They threatened and blackmailed me mentioning that if I wish to recover my money, that bank complaint submitted against them must be waived first ( Document 16 ) - The strange thing about that matter is that my bank ( Barclays ) did not stand by nor supported me, unlawfully. The bank disavows its duty to protect the money of its customers.
- The bank ( Barclays ) closed my dispute ( case ID : XXXX ) against the merchant three times without a genuine nor a reasonable reason since I started my dispute, despite my desperate attempts to prove my right and return the money.
- If my bank " Barclays '' just once has tried to thoroughly read out the documents that I had sent to them, they would have been more able to get to the truth.
- Attached is a copy of the bank 's response with the reasons for closing my case ( document 17, 18, 19 and 20 ). These reasons to close my cases are all incorrect and false.
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| 11/01/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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It has been 2 years since I was tricked into applying for a credit card with XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX. I fell for it and invested into XXXX XXXX and I have yet to get what I purchased. This purchase took place on XXXX XXXX, XXXX for {$9000.00}. To this day, this is the only transaction that was put on this credit card. I filed a dispute with XXXX credit card and they did not do anything. I believe it was because XXXX is a partner with XXXX XXXX. XXXX 's XXXX partnered with XXXX to solicit their credit card to their prospects so that they could get their money upfront and then when they did n't hold to their end of the contract, they would already have their money and the client would be obligated to pay back the credit card company. This is not right. They invited me to a high-pitched sales presentation where they were soliciting their timeshares. Within days of making my purchase, I called to make reservations to bring my sister and her husband up to see my investment because I was so excited about it. I called back a few days after purchasing to come back that weekend for a 1 ( one ) day stay to show my relatives. The agent ( gentleman ) I spoke to was 'suppose ' to call me back with reservations, but I never heard back from him. I then just decided to drive up that following weekend anyway since I was still excited and wanted to show off my new vacation site. When I got to the reservation office and explained that I had tried to make reservations for a 1 day stay, I was told that I would have to wait and speak to an agent. Well, I waited about 45 minutes while people hurried by ignoring me without even an acknowledgment. I finally went into the area where the presentations were being held and just stood there hoping to get someone 's attention. I guess I was a distraction because that 's when I was given a night 's stay at the resort. I should have bailed then after that kind of treatment, but because I loved the resort, I decided to give it another chance.
The only other time I have been able to stay at XXXX 's XXXX was when I was invited up by them for a 'supposedly ' owner 's update in XXXX XXXX. I was told to bring any concerns or problems. I came with my concerns about not being able to use my timeshare due to 'limited units ' being available each time I called for reservations. Instead of this being about addressing my issues, it was actually and invite to upsell me on a bigger unit and take more money from me. I was again offered another credit card. I did not take the bait this time, although the presentation was just as convincing as the last one. The only thing that saved me was a question I asked before signing that showed me it was another lie.
My intentions in purchasing with XXXX 's XXXX were to have a nice accommodations while vacationing in the XXXX every year. I did not sign up to get railroaded into paying my money and having to stay 18 miles outside XXXX. I was also unaware that I had purchased a unit with stairs that would not accommodate my entire family. I emphasized that I bring my Mom to XXXX every year for vacation and that 's one reason I wanted somewhere nice to stay. All I wanted was to invest in a place where I could come with my family to enjoy well into my retirement. It has turned out to be a nightmare. After I put the cost of this property on the XXXX credit card offered thru XXXX 's XXXX, I am now out of {$9000.00} and nothing to show for it. I have been cheated and disrespected from the start. Every time I got someone on the line to make reservations, I was told only a certain number of units had been released or that there were no openings for my dates or they could put me 18 miles outside XXXX. Sometimes I would even leave detailed messages and never got my calls returned. This is not how you do business. After several failed attempts to get reservations from XXXX XXXX to XXXX XXXX, I decided to stop payment on the XXXX credit card because I was not going to continue to pay on something I was not using. I disputed the charges with the credit card company, but they would not work with me. Probably because XXXX was partners with XXXX 's XXXX. To make matters worst, I even had one sales agent to call me to invite me to a sales presentation unaware that I had already purchased a unit and when explained to her my issue, she told me that in the past, units had been leased out to 3rd parties and that was why none were available to the true owners. She did not have to disclose that information, but she did and I appreciated her honesty.
As far as I am concerned, XXXX 's XXXX forfeited on the contract when they would n't deliver. After making monthly payments for more than 8 months, I decided to stop paying for something I never got. I am now in debt to XXXX credit card company ( XXXX ) for a timeshare that I have never used. I am requesting to be released from this contract and my money be refunded on my XXXX credit card.
After I filed with the BBB, XXXX XXXX XXXX, general manager of XXXX 's XXXX finally called me in XXXX XXXX and agreed to release me from my contract, but in the release paperwork he sent me to sign, it stated that no money would be returned. I have tried contacting XXXX XXXX to inquire about why he was keeping my money, but he will not call me back. He sent an email in XXXX, stating that he would call me, but has not. I have been calling and calling and leaving messages for XXXX XXXX and his assistant XXXX, and no one will return my calls. The last contact with them was last week ( week of the XXXX of XXXX XXXX. I was promised to get a call back, but never did.
This is a conspiracy. Again, I believe XXXX 's XXXX partnered with XXXX to trap people and take their money by encouraging them to take out their credit card and rob them of their hard earned money. I will do everything possible to prove it and expose XXXX 's XXXX for this tactic. This is a ripoff and I am tired of being taken advantage of.
XXXX XXXX
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| 08/12/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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Around XX/XX/2018, I saw an ad on XXXX XXXX XXXX website for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The promotion said XXXX bonus miles if {$1000.00} was spent in the first 90 days. In early XXXX, I checked my spending on my online account and saw that it was over {$1000.00}. It was pretty close to the 90-day cut off date, so I decided to double check if I was good to qualify for the promotion just in case. I contacted customer service thinking that I could trust the representatives. Besides it being more convenient than trying to read through all the fine print, I felt like it would be more reassuring to be able to check with an actual person who could give me guidance and more clarification in case I required any. I was a bit worried about the annual fee in particular, so I asked the rep specifically about whether the fee counted toward the total spending for promotion. I was told that ANY spending was counted, and that as long as my spending showed as over {$1000.00} on my account, then I was good. Reassured with this information, I believed that I'd already hit the {$1000.00} target and didn't go out of my way to make more purchases. Again, the main reason I contacted customer service was to confirm that I hit the target spending amount so that if I didn't, I would know I had to make a few purchases with the card before the XX/XX/XXXX cut-off date. However, according to the information I was given, I already reached the necessary {$1000.00} amount, so I thought I didn't have to worry about it anymore.
But then I realized I never got my bonus miles, so I started contacting customer service around end of XXXX/XX/XX/XXXX. First I was told there was no promotion attached to my application, and I should talk to the airline. Airline kept sending me to the bank. This time I decided to contact the bank in text format. I was told that I didn't qualify for the promotion because the annual fee didn't count and with the annual fee deducted, my spending during the 90-day time frame fell below {$1000.00}. I messaged back explaining that I was told by the rep that any spending counted, and that I had even specifically asked about the annual fee, and was reassured that there wasn't any spending that would be excluded from the total. I then received a reply that basically put all the blame on me saying that I should have reviewed the fine print of the documents myself instead of believing the rep.
I find this extremely unfair and unethical of Barclays/XXXX XXXX XXXX and XXXX XXXX. There is no disclaimer on their website warning customers that their reps give out false information. I feel like they took advantage of the fact that I trusted their customer service and are now trying to get out of honoring the promotion. What's ironic is that I even went out of my way to contact customer service and make sure that I was fulfilling the required terms, but my effort in exercising due diligence resulted in me being deceived. Given that their website doesn't warn customers about their customer service reps lying to customers, I'm not sure how I as a customer was supposed to know that I couldn't trust information from a rep and that whenever I get information from a customer rep, I need to do a separate investigation on my own to verify it.
My main issue right now is that I was given false information that deceived me into not fulfilling the spending requirements that I had full intention of reaching. I had hoped this was a case of miscommunication caused by an honest mistake by a rep who probably wasn't familiar with the policies. But the subsequent response I've been getting from customer service has basically just been blaming me for trusting the rep 's information and zero acknowledgment that I was lied to. This attempt to cover up makes me wonder if there is internal direction from management instructing customer service to lie to customers and mislead them in a manner that would allow the companies to avoid honoring promotions.
I find the airline and bank 's conduct absolutely abhorrent. The only reason I thought the {$89.00} annual fee was worth paying was because of the bonus mileage promotion. I feel like I've just been scammed - actually I was scammed. I am still just shocked by the fact that they are ok with their reps giving false information to customers and even have the gall to blame customers for being gullible enough to trust their reps. Since when did it become the customer 's responsibility to investigate whether customer service is being truthful or not? This is an impossible burden that is being placed on customers. In my experience, whenever I have questions or need clarification, I go to customer service because that's the most direct way, and sometimes the only way, to contact the company. But now, it's being expected for me to verify the information I receive from customer service on my own, so basically even information directly from the company can not be trusted. It seems like XXXX XXXX and Barclays are just trying to create a loophole that would allow them to use their reps to mislead and deceive customers by putting all the responsibility on customers to " verify '' things on their own.
Perhaps if their website had a clear warning informing customers that their customer service gives false information, it might be reasonable to expect me to verify that information I received from the rep. But since there is no such disclaimer, I don't know how they can deny any accountability for lying to a customer and the subsequent consequences I suffered as a result of the deception. Right now I just feel so stupid for trusting their customer service reps.
I sincerely hope that CFPB can help me. I've tried my best to resolve this on my own, but it seems that these large companies are intent on lying to customers and scamming them and are more than comfortable to ignore any protests or reproach from individual customers like myself. Any assistance is deeply appreciated.
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| 08/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Older American |
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Re : Barclays XXXX XXXX, Acct # ending XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Payment made, check cashed, funds not credited to the above referenced account.
To Whom It May Concern ; On XX/XX/XXXX, check # XXXX in the amount of {$14000.00}, was deposited and cashed by Barclays, into the XXXX XXXX clearing account for the above credit card account. This was a third party check, that was written from a title companys escrow account ( Performance Title and Escrow ). When this check was sent by the title company, it was also sent in with the appropriate remittance paperwork for payments made with a physical check.
On XX/XX/XXXX, I reviewed my Barclays account and noticed that the funds from this check, were not yet credited to the account. I called customer service and inquired and was advised by the customer service representative, that they had not received any such payment, and that it might be in a lock box holding area, waiting to be distributed to the appropriate account. The customer service representative then advised that this check had cleared the Barclays checking account. When I requested an email address from the representative, to send the documentation, reflecting the check had been cashed, he said there was No need for that and that this is not uncommon for funds to not be credited to an account from a third party check, when a checked is deposited.
I was very surprised that money was received, checks were cashed, and then not allocated to the appropriate account, and relayed as much to the representative. The gentleman gave me a Barclays case ID # XXXX and was advised that it could take up to 2 billing cycles to correct this issue, I advised that this was not acceptable. Barclays is in receipt of the payment, cashed the check, and is in retention of the funds. When I requested a supervisor, I was advised that there were no supervisors that could assist.
On XX/XX/XXXX, the money still had not been allocated to my account. I again called customer service to follow up and received the same information, but I requested an email address to send the documentation, reflecting the cleared check, and what account it was deposited to. I was given a case number completely different than what I received the week before, along with an email address to which I could send the documentation. The representative could not find the case number that I received the week before. The representative, while sympathetic to my plight, said it can take up to two billing cycles for this issue to be corrected. This representative gave XXXX XXXX a new case number of XXXXXXXX XXXX and an email address ( XXXX ) to send the appropriate documentation to, which he immediately sent. This representative advised that it could take up to two billing cycles for this to be resolved. I advised again that this was not acceptable and is in violation of federal law. I also advised that my credit and credit score were being affected, as well as my debt-to-income ratio.
On XX/XX/2022, I again called customer service, and received the same responses as above. When I relayed that if this was happening to myself, it is probably happening to many others, and we all know what that means, and this was a violation of the law, it was met with callousness, and I was told that I would receive the interest credited back to the account when the money was found and credited to the account. Once more, I advised of the inappropriate actions of Barclays, and the violations of specific laws of the CFPB and XXXX, and demanded that the money be credited to the account immediately. Again, I was told the same thing, that it may take up to 2 billing cycles for remedy. The representative also relayed that I did not have to make a payment. I advised him that I would make a payment, because I received a statement ( XX/XX/2022 statement date ) requiring myself to make a payment.
When I received the XX/XX/XXXX statement, and I was still being charged interest. Additionally, there is a minimum payment due, even though, after the funds are allocated, Again, I made a payment, as listed on the monthly statement. I would now actually have a higher credit balance than the month before. I have maintained a perfect payment history with this account, and have continued to make payments on this account, even though funds have been received and not allocated properly such account, throughout this seemingly endless issue.
XX/XX/2022- XXXX XXXX ( myself writing this ) called and spoke with XXXX representatives, and have gotten nowhere with this process, other than " Barclays is working on it ''. At the last transfer, I was transferred to " Customer Care '' representative, and was on hold for over an hour, with no resolve.
The foregoing actions are against the law, and in violation of XXXX, FTC, and CFPB guidelines and procedures. The balance on my clients account is being inaccurately reported to the credit bureaus, and is negatively affecting my credit score, debt-to-income ratio and is affecting my ability to obtain credit. This is in direct violation of the law. Let me be clear, this is not a dispute. Retaining payments from a consumer, who has a credit account with Barclays, and not allocating the funds appropriately and timely, is in violation of federal law, and subsequent reporting inaccurate information to the credit bureaus, knowingly or not, is in direct violation of XXXX, and there can be severe consequences for doing so.
There is no reason this issue can not be resolved amicably and immediately. I have advised Barclays numerous times to remedy this issue and credit this account appropriately.
If you would like to discuss the matter, you can reach out by email ( XXXX or by my cell phone ( XXXX ). I expect that this issue will be rectified within the next 5 business days, which will obviate the need for any and all further action.
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| 11/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Dear Sir or Madam, 1. BRCLYSBANKDE Account NumberXXXX* Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with BRCLYSBANKDE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 10/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX Barclays Bank are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX Barclays Bank, the financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX Barclays Bank never informed me of my right to exercise my nondisclosure option. Not only that but it states in 15 USC 1681C ( a ) ( 5 ) " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
CAL CODE OF CIVIL PROCEDURE 337. Written obligation ; Four years, Cal Code Civ Proc 337 Within four years : ( a ) An action upon any contract, obligation or liability founded upon an instrument in writing, except as provided in Section 336a ; provided, that the time within which any action for a money judgment for the balance due upon an obligation for the payment of which a deed of trust or mortgage with power of sale upon real property or any interest therein was given as security, following the exercise of the power of sale in such deed of trust or mortgage, may be brought shall not extend beyond three months after the time of sale under such deed of trust or mortgage.
( b ) An action to recover ( 1 ) upon a book account whether consisting of one or more entries ; ( 2 ) upon an account stated based upon an account in writing, but the acknowledgment of the account stated need not be in writing ; ( 3 ) a balance due upon a mutual, open and current account, the items of which are in writing ; provided, however, that if an account stated is based upon an account of one item, the time shall begin to run from the date of the item, and if an account stated is based upon an account of more than one item, the time shall begin to run from the date of the last item.
( c ) An action based upon the rescission of a contract in writing. The time begins to run from the date upon which the facts that entitle the aggrieved party to rescind occurred. Where the ground for rescission is fraud or mistake, the time shall not begin to run until the discovery by the aggrieved party of the facts constituting the fraud or mistake. Where the ground for rescission is misrepresentation under Section 359 of the Insurance Code, the time shall not begin to run until the representation becomes false.
( d ) When the period in which an action must be commenced under this section has run, a person shall not bring suit or initiate an arbitration or other legal proceeding to collect the debt. The period in which an action may be commenced under this section shall only be extended pursuant to Section 360.
Californias Statute of Limitations on Debt The statute of limitations on debt in California is four years, as stated in the states Code of Civil Procedure 337, with the clock starting to tick as soon as you miss a payment. The limitations period begins to run as soon as the cause of action accrues ; that is, from the occurrence of the last element essential to the cause of action. ( Neel v. Magana, Olney, Levy, Cathcart & Gelfand ( 1971 ) 6 Cal.3d 176, 187. ) Reporting this misinformation is attacking my character as a natural person and is in direct violation of my rights as a consumer stated in : FCRA 15 USC section 602, 15 USC 6801, 15 USC 1681 section 604 a section 2, 15 USC 6802 ( b ) ( c ), 15 USC 1681C ( a ) ( 5 ), 15 U.S. Code 1681s- 2, 15 U.S. Code 1681 e, 12 CFR 1016.7, and CAL CODE OF CIVIL PROCEDURE 337. Written obligation ; Four years
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| 04/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On XX/XX/XXXX, I pulled my credit report and noticed that there was some inaccurate information regarding my credit score. I noticed that my credit reports have been ruined by this company on information that has not been validated. My consumer credit reports have been ruined due to the businesss abusive and deceptive practices. I contacted the credit card agency with a letter regarding my findings and still have not received a response and it has been more than 30 days since the letter has been sent. My complaints were as followed : To whom it may concern : Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. As I did not authorize consent for Barclays to report anything on my consumer report. Pursuant to federal law 15 U.S.C. 1692 a ( 3 ) When I pulled my consumer credit reports on XX/XX/XXXX I noticed that my credit reports have been ruined by this company on information that has not been validated. My consumer credit reports have been ruined due to the businesss abusive and deceptive practices. I noticed that there were inaccuracies on my consumer reports, such as the balance of {$2400.00} late payments, as well as a closed account by your company. This has destroyed the lively hood for my children and I to live sustainably, such as purchasing a home of our own, and being able to take care of their necessities. This is very disheartening for me and caused a lot of emotional distress for myself and my children.
This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof of claim that I am legally obligated to pay you and that late payments were made and updated pursuant to 15 U.S.C 1666B. I am demanding the removal of the negative items if the information is not validated. ( A copy of any sort is not evidence ) The original must be furnished with WET INK SIGNATURE, including 3-308, and 3-302 ) and proof that it is my signature. Pursuant to federal law 15 U.S.C. 1681 as well as the Fair Credit Billing Act 15 U.S.C 1666-1666j., federal law states that you can not report anything adversely on my consumer credit report until the investigation is complete.
Please provide me with the below-mentioned items : * The amount you claim the XXXX owes you * An explanation showing me how you have computed the amount.
* Copies of any documents that prove I agreed to pay the alleged amount pursuant to Federal Law UCC 8-315 * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence of your license numbers and your registered agent.
I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, or XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below-mentioned reasons under 15 U.S.C. 1692 ( a ) ( 1 ) as well as the following : *Misuse of my copyrighted property *Violation of the Fair Credit Reporting Act ( F.C.R.A. ) *Defamation of character *Violation of the F.D.C.P.A *No consent was given *Invasion of privacy I would like to inform you further that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is.
If your agency can provide me with the requested documents, I will need a minimum of thirty ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped.
Also, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the U.S. Congress provided the appropriate solution for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) 192 of XX/XX/XXXX, under the United States, Public Law 73-10, and Public Law 48 stat. 112 ( among others ).
If your agency/company fails to respond to this debt validation request within a period of ten ( 10 ) days from the date of your receipt of my notice and affidavit, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action.
I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer-generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face.
It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records. Any information obtained shall be used for that purpose.
Respectfully, _________________________________ XXXX : XXXX Without Prejudice 1-308
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| 02/01/2018 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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We are platinum members with XXXX XXXX with current annual points of XXXX Prior to XX/XX/XXXX we were XXXX Hawaii Collection point members and in mid- XX/XX/XXXX we purchased XXXX U.S. points.
This is where our issues began with XXXX We made reservations and stayed at the XXXX XXXX XXXX XXXX in XXXX Missouri, there we met with Sales Rep : XXXX XXXX for an owners update. We had no intent to purchase more points as XXXX explained it was not a sales meeting and we did the owners update meeting to collect a XXXX gift card and move on with our day. It was during the meeting that XXXX explained how he was not a sales rep and actually a vacation counselor with XXXX and was there for us to help with our XXXX platinum membership. He went on explaining how the # 1 complaint from all XXXX owners is maintenance fees which we agreed was our biggest complaint with XXXX. This is the point in where he stated he could show us how to pay our maintenance fees by points that we would allow him to rent out. This is the breakdown of XXXX conversation to us : we would buy XXXX points which he would then take and rent out, he would then send us a check which we could use to pay our maintenance fees. He then showed us pictures on his cell phone of multiple checks that had been sent to multiple XXXX members that he was doing this for. He pulled out a stack of documents showing multiple reservations he was making and the amounts that the checks would be sent to those XXXX owners. We were very apprehensive as this sounded too good to be true and he then showed us texts back and forth of XXXX Owners that were thanking him for the recent check they had received. He stated that if we were paying our maintenance fee or our XXXX Loan that it would not count as profit. After being in his office over 4 hours and with the multiple exhibits he had showed us we agreed to the XXXX points. We went over the numbers and paid a {$14000.00} down payment and the remaining point balance went to a XXXX Loan ( $ 58,000+ ). At this point XXXX then spent time on how we would be brought to another room with cameras and how we needed to answer certain questions. He coached us that we need to answer these questions without hesitation or delay so that it would not cause questions from the XXXX XXXX employee. He then had us look into a turned off camera in the room and had us answer the questions as he continued to coach us as to our answers. It was then that my wife asked what if you dont follow through with this and its all a sales tactic lie? XXXX said, that if none of what he said came true for us ; to come to the resort and scream and shout until he was fired, to call and email corporate non-stop until everything was cancelled and we got our {$14000.00} back and any payments we made. He then talked about how his wife is XXXX XXXX and the points purchase we make will help him with medical bills that were adding up and he then showed us a picture of his wife. We asked for copies of the notes XXXX had done and also copies of the multiple documents he showed us with the reservations he was making for his other XXXX clients. He explained that he could not give us any notes, XXXX documents or copies of the reservations because it was against corporate policy. He said the only way he can make this happen for us is to sign the docs and act like we were going to use these new XXXX points for ourselves. Satisfied with his answer we agreed and when XXXX was ready, we were moved to the room with a working camera and then signed papers and answered the questions, those same questions XXXX told us to expect by the XXXX XXXX employee. We answered the questions as coached by XXXX and left with our additional XXXX points. As we walked out XXXX grabbed us and quietly told us that while we were signing documents he had already set up 2 vacations with some of our newly purchased points for {$5000.00} and {$6000.00} so our XX/XX/XXXX maintenance fee was almost already covered. He said the checks would come one at a time ; one at the end of XX/XX/XXXX and the other in XX/XX/XXXX. XX/XX/XXXX came and went and no check came via mail ; we called XXXX and it took him some time to get back to us, he explained the checks should be coming but would now be mid- XX/XX/XXXX and mid-XX/XX/XXXX instead. XXXX became very hard to get a hold of, he no longer returned calls or texts and if he did he always called from his personal cell phone and not a XXXX phone line. His texts were very short call you at XXXX. We then sent multiple emails to XXXX ( all to his personal email because he didnt want anything sent to his XXXX email ) personal email. Weeks without contact from XXXX an email was sent to multiple XXXX staff in XXXX I finally had a call from XXXX ( once again personal cell phone ) in which he assured us that the checks would be in our hand by XX/XX/XXXX and if they were not that he would have our XXXX points transaction canceled on XX/XX/XXXXand all money we spent returned to us. He was so adamant that those checks were coming that he offered to pay our monthly loan payments the next 2 months to XXXX.
The same day I received a call from the XXXX XXXX staff and they asked if XXXX had contacted me and I said yes and the phone call was over after a minute. Once again we allowed him the time for the checks to arrive. The Promises XXXX made never happened and we sent our official complaint to XXXX XXXX with the request to have the contract cancelled and money refunded. XXXX offered a conference call with their hospitality team, XXXX Sales VP and XXXX On XX/XX/XXXX we had the conf call and we were then informed that XXXX had resigned from XXXX XX/XX/XXXX
XXXX denied our request as they never interviewed XXXX about our complaint.
|
| 11/22/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with TXXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. BRCLYSBANKDE bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX
|
| 07/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. BRCLYSBANKDE bal. {$5900.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 07/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. BRCLYSBANKDE bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 11/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Barclaycard established a case # XXXX {$1600.00} XXXX XXXX ( scammer company ) Billed on XXXX billed to my card and I disputed it since the work was not done.
Lots of documentation was faxed multiple times and confirmed that Barclaycard received it. Barclaycard hung up on me many times, and lied about attempting to contact me.
Barclaycard sent a letter stating that they tried to call me ( which was a documented lie based on digital phone records of all incoming calls ). Barclaycard stated they were closing the dispute.
I immediately sent them more faxes with detailed information and proof, plus requested that they send this to arbitration if they were going to refuse to read anything.
Barclaycard refused to send it to arbitration, and continued to lie to me on every conversation we had.
Barclaycard stated they would reopen the dispute, but also lied about that. They requested I send them the request to reopen the dispute, which I faxed to them at their requested fax number and they again did nothing.
Below is just some of the documentation with employees and supervisors that lied and violated the law.
XX/XX/XXXX BarclayCard Phone # XXXX Acct ending in XXXX Talked with XXXX ID # XXXX in process of transferring me to manager hung up on and Barclay did not call back.
Talked with XXXX ID # XXXX explained everything transferred to manager ( XXXX ) Talked with XXXX ( Manager ) ID # LASLCA - explained everything again on hold for response ( Barclay hung up on the customer ) Talked with XXXX ( manager ) ID # XXXX she stated that she opened the Plumbline services dispute again ( this turned out to be a lie ) XXXX tried to transfer me to someone who was supposed to issue the check for {$1900.00} to us, but was told they could not send out checks and could only transfer the money to another Barclay credit card.
This obviously could not work since Barclay card previously stated they had no US representatives and refused to transfer me to anyone in the US, so I closed the account and shredded the cards in XX/XX/XXXX.
XXXX wrote everything up and sent it to a manager that will call me back within 5 days and issue a check. ( nobody ever attempted to call me ) Case # XXXX {$200.00} Billed on XX/XX/XXXX disputed and not resolved refunded later resolved by merchant Case # XXXX {$1600.00} XXXX XXXX ( scammer company ) Billed on XXXX disputed and not resolved requested arbitration and was ignored Barclay received refunds of other returned products from merchants and has not returned that money to us!
Barclay kept {$120.00} on XX/XX/XXXX which was a merchant refund from XXXX Barclay kept {$1700.00} on XX/XX/XXXX which was a merchant refund from XXXX XXXX Barclay owes us {$1900.00} XX/XX/XXXX I was lied to again by management at Barclay Card. No manager called back from the XX/XX/XXXX to XX/XX/XXXX as promised by XXXX ( manager ) ID # XXXX Called in again XX/XX/XXXX Talked with XXXX XXXX XXXX very unprofessional screaming in background she hung up.
XXXX in XXXX had no ID number and transferred to back office team Gem ID # XXXX in XXXX from front line care department XXXX stated that she reversed all of the interest charges that Barclaycard put onto the account when refusing to honor the disputed charge of {$1600.00} from XXXX XXXX. This created a credit on the closed account according to Gem. Gem also promised she would talk with a manager to schedule a call on the refund check of {$1900.00} case # XXXX New statement dated XX/XX/XXXX from Barclaycard shows a {$1700.00} charge on XX/XX/XXXX that was not authorized Barclaycard illegally charged this as they had credited it in preparation of sending a check to me for that amount that exotica travel had refunded to me, but obviously stopped that process and recharged my credit card. This was my money and Barclaycard committed fraud by keeping it.
XXXX # XXXX case XXXX Gave email and escalation Ph # Plus Ext and name of Mgr. XXXX requested I send the dispute documentation that was sent to Barclaycard multiple times via fax and verified Barclaycard received it, to the email address below.
XXXX Escalations Ph # XXXX Ext XXXX XXXX XXXX ( Mgr. ) XXXX ID # COELES from Fraud investigation Ph XXXX Looking at charges and the refund that is owed to me. XXXX hung up on me during supposedly looking into the refund and did not call back as promised, if his phone line disconnected. This is a pattern that Barclaycard repeats over and over and can not be accidental since they never call back after any disconnect, when they promise that they will call back.
I was forced to call them back. Called Escalations and could not enter the extension that I was given. I was put on hold for 15 minutes and then hung up on again. I called back and was put on hold for another 35 minutes.
XXXX from Escallations in XXXX Nevada refused to give me an employee ID #. She stated that there were many accounts under my name. If this is true, this would have to be more fraud on behalf of Barclaycard and the employees. XXXX looked at the XXXX merchant credits equaling {$1900.00} and verified if the XXXX dispute was open as stated by XXXX ( manager ) ID # XXXX, on XX/XX/XXXX. It was not!!
From the dispute department, ( XXXX XXXX stated I need to send in the request to reopen the dispute to fax # XXXX, include the original dispute case ID, and put the attention merchant disputes, plus include current contact information Current documented case # XXXX I sent the fax with cover letter and documentation to Barclaycard again on XX/XX/XXXX Confirmed Barclaycard received the requested fax TWICE sent on XX/XX/XXXX XX/XX/XXXX Confirmed Barclaycard lied again about opening the dispute back up. Barclaycard has my money and intends on illegally keeping {$1900.00}
|
| 10/25/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Married on XXXX/XXXX/XXXX California Residents XXXX XXXX XXXX, XXXX This sent to XXXX XXXX. I have had no response.
XXXX XXXX XXXX XXXX We want our two Barclay Cards and loan cancelled and down payment refunded. We have been lied to since we first purchased from XXXX agent XXXX XXXX at XXXX XXXX in XXXX XXXX, having learned Diamond points are not an investment. XXXX XXXX told us points were equity and would help us when we purchased a house. XXXX XXXX at XXXX XXXX CA told us the points we purchased from XXXX XXXX were worthless and we had to buy additional points. This was not true either. XXXX XXXX at XXXX XXXX was the most deceitful as described below.
Please respond by XXXX XXXX before we file complaints with the Nevada and California Real Estate division against the three agents, the Consumer Financial Protection Bureau, Attorneys General and the Better Business Bureau.
XXXX XXXX XXXX XXXX XXXX to get married XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX for the Sales presentation/ not married yet and just finished bankruptcy a couple months prior Presenter- XXXXXXXX XXXX- XXXX Contract # XXXX XXXX points Purchase price {$16000.00}.
Amount Financed {$14000.00} at 17.99 % We opened a Barclay credit card in only my husbands name We were told that by buying XXXX points we were on the lower part of the ownership but still owners and would be able to enjoy all the benefits. While chatting with the presenter we informed him we could do the lesser of the options because we were trying to save up to buy a house. He then told us this was perfect because we now own property that builds equity and will help us later. The tablet that contained the contract terms was broken. We had no understanding of the terms until after the rescission period.
Orientation XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Presenter- XXXX XXXX XXXX XXXX Contract # XXXX Purchase price {$6900.00}.
Financed {$6100.00}.
{$900.00} on the Barclay in my husband 's name to pay the down payment XXXX points XXXX XXXX said we were not full members and we should have received a letter to go to full membership. We never received a letter. He then gave us an option of a deal that would only be good right then but we would have to buy XXXX more points to become full members. He made this seem like a huge deal because upper management would not want to give us this deal but they were working with us so that we would be happy. He informed us that what we had was worth nothing now and we would have to upgrade to be able to use any benefits.
Went to XXXX XXXX XXXX for first year anniversary XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Presenter XXXX XXXX ( Unknown ID # ) Contract # XXXX Purchase price {$22000.00} Financed {$38000.00} {$18000.00} plus {$19000.00} wrapped loans XXXX points My husband called Diamond to ask if there was anything special happening this week to surprise me on our anniversary, XXXX presented him with a {$99.00} deal that offered Dinner, a concert, and breakfast. We went to a breakfast and unknown to us this was once again another sales pitch to upgrade once again.
XXXX XXXX informed us once again we still were not full members and we were paying on two different contracts so we were paying double for maintenance fees and taxes and monthly mortgage fees and informed us they could get these contracts wrapped for us but we needed to upgrade to be full members.
We have been told at all of the upgrades that what we have is not worth anything because we still didnt have enough points. We were informed by XXXX that she would be our personal advisor because everyone has an advisor so we are orphans. She informed us not to book anything or make any decisions without contacting her first. She informed us not to go to another presentation until we are ready to upgrade. She has never returned my calls.
XXXX said we are obligated to upgrade at all these presentations and if we do not our prices would go up and the deal we had before would not be valid. The prices were outrageous! She said if we didnt sign this contract then we pretty much have something that is worthless because we werent full members This was supposed to be our one year anniversary vacation, they ruined that by putting this much more financial stress on us. They make it sound like we dont have a choice but to sign the contract. Our first year of marriage has been very strained because of this.
We opened a second Barclay card because they couldnt extend the credit on the one we already had. Now have to pay double APR on two cards. We tried to pay one of the cards off with another credit card that had less APR but they wouldnt allow us, they said only cash. We were informed by XXXX that we could pay our maintenance fees with our points from the Barclay card. She told us to pay our monthly mortgage payments through our Barclay to earn more points but when trying to do that diamond charged us 2 % more raising our monthly payment by {$50.00} more.
XXXX My husband informed me a man from XXXX called and tried to sell him more points. He said we were only XXXX points from Silver and doesnt understand why we were not sold those points last time. ( I thought we were supposedly already silver members ) My husband states he was being very pushy. He said if we dont buy now the points would go up to {$8.00} and we can buy them for {$4.00} now.
We need to stop paying for this because we can barely buy groceries each week. We 've only been married a year and this has been the most stressful year of our life because of XXXX XXXX. This was supposed to be the best year of our life.
|
| 01/26/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
My wife and I purchased the " Sampler '' package in XXXX XXXX on XX/XX/XXXX for {$2900.00}. We opened a XXXX XXXX Barclaycard Mastercard to pay the amount off over time. Our first trip utilizing these points was to the XXXX XXXX, XXXX XXXX in XX/XX/XXXX.
Our second trip utilizing these Sampler package points was to XXXX, Hawaii where we purchased XXXX points on XX/XX/XXXX for {$13000.00}. We again used the Barclaycard when the sales team informed us that we could again use 6 months interest free financing.
XXXX sales agent XXXX XXXX said we would be able to book one to three weeks anywhere if we purchased XXXX points. In our case, this was not just about finding desirable places to vacation. This is because of our son 's XXXX XXXX. He is on a XXXX XXXX so can not fly. We need places closer to home that have the space and amenities needed for all of XXXX equipment and within driving distance to medical facilities, or back home, in case of an emergency. After we had access to the booking site we learned XXXX points will not get you a stay anywhere as we could not find resorts near medical facilities close enough to our home.
At an update at XXXX XXXX in XXXX XXXX XX/XX/XXXX, after we complained about availability, the XXXX sales agent XXXX XXXX said, Hawaii lied to you. You cant go anywhere for XXXX points. Foolishly, we believed the XXXX agents when they said they could take care of us.
We purchased XXXX additional points for {$18000.00}. This gave us a total of XXXX annual US Collection points after moving XXXX points from the HI Collection. Again, we were assured that we could use our Barclaycard, which now has a balance of {$10000.00} ( Barclay said this is the amount left from the XX/XX/XXXX purchase ). {$7400.00} additional was placed on our XXXX XXXX XXXX and {$610.00} on our debit card. Our XXXX and debit cards are paid off.
We were told that the only way out of the HI Collection was to upgrade to the US Collection. They said the HI Collection was going to have a {$1000.00} plus assessment for damage to shores and that in Hawaii maintenance fees Increase 10 - 14 % every year, even though in Hawaii they told us Hawaii maintenance fees increase on average only 6 %. XXXX said that she was legally obligated to tell us that the maintenance fees increase only 2 % because the US Collection is a part of a trust, so the more people that join the trust, the lower those fees would be. However, she specifically said, " I have the same plan, and my fees went down last year. '' She reiterated that the only way to get out of the HI Collection was to upgrade to the US Collection.
XXXX listed several places we could stay that were close to home due to XXXX needs, but again, when I logged on to the booking site after we purchased, we could not book at those resorts because it is a " different inventory '', as the Customer Service representative informed me of for the first time. However, I could not rescind the sale because I did not get access to the booking site until after the escrow period ended, which was about 30 days. I was not able to see past XX/XX/XXXX until XX/XX/XXXX, well after the rescind period. After calling customer service numerous times I finally reached a representative that said, Im with the Platinum desk so I can pull strings. She found the XXXX XXXX location which was a very desirable option, one we were shown in the presentation, but it required XXXX points. This would have taken 3 years to acquire enough points.
XXXX also said we could get an extra XXXX ghost points that would upgrade us to Silver status by saying we owned an XXXX week. She instructed us to just nod to the Q & A person when they ask about XXXX and we would be able to get the extra XXXX points, but not to say XXXX told us because, You might get me fired if they find out, but that way youll get another XXXX points. XXXX said we could purchase an XXXX week at XXXX XXXX for {$500.00} - {$600.00} and then trade it in to XXXX for XXXX points. She said this was one of the tricks that sales agents could give to customers. XXXX said with Silver benefits we could have food stocked and luggage forwarded. This was a tremendous benefit because of XXXX needs. However, when I read about these benefits after the escrow period, the luggage benefit cost additional funds and the food service was not available at the Silver level.
We asked about what would happen if we could no longer use the points and were told XXXX will work something out to help you. We were told XXXX has a website where you can sell points. We were very concerned about being locked into a contract with no way out, and were assured that we could sell our timeshare if it did not work for us.
Again, due to the limited access to our account because of being in escrow, I could not see past XX/XX/XXXX, so could not have known about limited availability or inventory until after my account was reestablished. I would have rescinded immediately if I had been able to see that we could not use our points as promised.
A letter was emailed to XXXX XXXX Customer Advocacy on XX/XX/XXXX, but have not yet been contacted by the company.
I last contacted Barclaycard on XX/XX/XXXX and spoke XXXX in the Office of the President, but she said that there was not much she could do since I signed contracts with XXXX XXXX. However, she did say she was looking into the matter.
I filed a dispute with XXXX on XX/XX/XXXX, and they said they would look into it. I called to file a dispute with XXXX XXXX on XX/XX/XXXX, but could not make an official dispute until XX/XX/XXXX after waiting to hear back from XXXX XXXX, which I have not as of XX/XX/XXXX.
|
| 06/04/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
|
|
I put a credit card dispute with my XXXX XXXX Barklays credit card for a XXXX XXXX. I purchased a XXXX XXXX and when I got to the hotel it was not the hotel that I ordered online.Nothing about the images/copy on XXXX came close to what we ended up with at the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. Firstly, the resort on XXXX was not even close to the XXXX XXXX XXXX XXXX XXXX XXXX ( See attached Images ). We later found out that the resort images on XXXX was for their latest offering in another country, and the resort we stayed at was outdated and literally falling apart. I am not a legal expert but I believe that one could argue that my family was the victim of deceptive and illegal Bate-and-Switch sales tactics. Our frustration was compounded by the fact that we were stuck third-world country with our XXXX year old daughter and had no other choice but to stay at the imposter resort.
When we got to our room, not only was it not the modern beautiful room we expected from the photos on XXXX, it was outdated, beat-up, and actually dirty. The toilet-paper dispenser-cover was hanging on a single general purpose screw. The resort brochure was covered in an unidentified syrup and had human hair stuck to it. The curtains and walls were stained and the sliding glass door was covered in smudges. The bathroom had a water-stained drop ceiling. Needless to say, the room was closer to something I would expect from a seedy motel, not the luxury resort had been sold on XXXX XXXX.
When brought to managements attention at the hotel they stated it was XXXX XXXX problem they posted the wrong pictures and deal with them. Then the manager said we will upgrade your room if you sign a paper stating they gave us a {$890.00} upgrade and this will be full compensation for the inconvenience also we are not allowed to post any negative reviews. Well it was no upgrade all they were giving us was a couch and we didnt need more room. They did have nicer rooms in the other part of the resort but unless we were willing to give them money it was to bad. I then spoke to XXXX XXXX XXXX and they advised not taking the upgrade and dont sign the paper. They would call the resort. The resort stated they were going to give us a different room at a discounted price if we paid {$20.00} a day out of pocket. Again the room was definitely not an upgrade smelt like mold it was terrible. XXXX XXXX then stated wait till tomorrow because on Monday they were going to call a certain dept and not to sign anything. Well they had no luck and asked to wait till the next day.
Now it is our third day and the hotel and I spent hours ruining my vacation, XXXX XXXX calls my husband and XXXX tells him they will pay the difference for the upgrade for mine and my mother in laws rooms since we both Purchased thru the XXXX XXXX XXXX by the way that was the same offer as the day prior but XXXX stated not to take it they would talk to corporate. I guess XXXX kids was sick the next day so she stated take the offer. When we went to the front desk after hours on the phone they called XXXX XXXX a supervisor XXXX and she said we dont pay for differences. We insisted she check the recordings we felt like criminals and we were told it takes 4 days. At this point we spent three days and countless hours trying to resolve the issue when all they had to do is give us a nicer room not bigger, and nicer rooms were available they just were not accommodating. At this point we stated we would stay where we were and take it up with the XXXX XXXX credit card when we got back. The hotel stated that was a great idea, dispute it with them.
I never experienced such poor customer service on both sides. From the of deceptive and illegal Bate-and-Switch sales tactics. To the hotel the room that was broken down, we had a safe that would get stuck everyday, we were locked out of our room 3 times at night because the battery on they key pad was dying. It would take 30 minutes each time to get back in the room because how far the main lobby was and you would have to take a golf cart. Also, the air conditioner broke at one point. We lost power two nights and could not finish getting ready to go out to eat. It was a vacation nightmare.
I was in XXXX and tried to resolve with XXXX XXXX and after multiple calls and trying to get it resolved they would not do anything. I have proof pictures of their website and many endless calls they did nothing so, I disputed with the credit card I started the dispute XXXX. The dispute started on XX/XX/XXXX the dispute process is still going on. They declined originally because XXXX XXXX responded that they are not responsible for misrepresentations on their websites and my ip address acknowledged when I purchase also my vacation included airfare. I disputed this on XX/XX/XXXX showing that their website states substitutes they are supposed to provide substitution if this happens along with proof of cell phone bill showing the 20 minute call with them when I purchased this thru the phone and not online.I also used points for airfare and sent the proof. Well they declined it again on XX/XX/XXXX and never looked at information I sent. I called back the representative does believe that I should get back the money and escalated the case but it has been almost 6 weeks since it has been escalated and i have called multiple times I wrote down I called on XX/XX/XXXX and again on XX/XX/XXXX, there were more calls I just didn't write them down. They also took away the provisional credit. Credit card disputes are suppose to take 60 days this has been 5 months. The original purchase was on XX/XX/XXXX for $ XXXX need help.
|
| 02/13/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Dear Sir / Madam Im writing to officially complain about an issue that has been ongoing since XX/XX/XXXX. Please find below a breakdown of events that have occurred over the last year. I have made multiple attempts to try and resolve the issue but have continued to receive incomplete, inaccurate and inconsistent responses from your team.
Please document my strong compliant against Barclaycards unfair treatment towards me a longstanding customer that has paid all my bills on time and maintained an excellent credit score.
Time line of events : XX/XX/XXXX I made an on-time payment made towards the balance on my account using the online portal. Confirmation of payment receipt was received by email and the account was subsequently closed. I assumed that no further action was needed as all payment were made in full and stopped monitoring the account. Once the account was closed, I had no access to my card statements.
Q1 XX/XX/XXXX Noted that emails requesting payment of overdue accounts were being sent to junk email folder. Reviewed emails. Called Barclaycard and attempted to make the payment again. The charges didnt go through. Requested clarification on mechanism to make payment from an international bank account. No direction was provided.
Q1 XX/XX/XXXX Called Credit team and requested that all fees and charges be waived as they were unfairly applied. Payment had been processed on time in XX/XX/XXXX and subsequently rejected due to Barclaycards process not supporting an international payment. Barclaycard employee agreed to waive all charges and requested that payment be made by demand draft to cover card purchase charges only. They also confirmed that all fees and charges would be waived and no additional fees or charges would be incurred.
Based on information provided by Barclaycard Credit team over the phone I had a demand draft drawn up for {$220.00}. The draft was then insured for the full amount and mailed with international tracking to Barclaycards XXXX XXXX . This was not an easy process and I had to work with a number of providers and pay a substantial additional amount to get the draft drawn up and sent over safely.
Please note : Following multiple requests for statements to be sent to me by email, I have finally been given access to some of my statements on XX/XX/XXXX. On review of my statement covering the period XX/XX/XXXX to XX/XX/XXXX, I have now noted that the amount owed once all fees and charges were waived, i.e. the amount that was eligible for interest charge calculations and was also the full amount of card purchases outstanding on the card, was {$220.00}. The demand draft I sent through in Q1 of XX/XX/XXXX has covered this amount in full.
Q2 XX/XX/XXXX I was notified by Barclaycard of receipt of this payment by email. I assumed this was the end of the issue.
Q3, Q4 XX/XX/XXXX I received additional emails saying my account was overdue again. I made two separate phone calls to Barclaycard to address the issue. After multiple requests to lodge an official complaint, which were ignored, I finally managed to speak with XXXX ( Badge XXXX ) on the credit team and was assured by him that the issue would be resolved and no further action was required. This was after a 54 minute call running through the history of the case ; something I had done multiple times due to the poor conversation logs maintained by Barclaycard. He confirmed that balances would be XXXX out and no further action was required. Resolution of the issue would take 7-10 working days. Again, I assumed this would be the end of the matter.
Q1 XX/XX/XXXX On receipt of emails saying my account was overdue and urgent action was required, I called Barclaycard again. I spoke to two individuals and received different numbers for the remaining balance once all fees and charges were waived. None of the numbers provided for the outstanding balance amount ( including an amount of {$29.00} ) appear to make sense based on review of the statements provided. Per my review of statements shared, the card purchase amount that I owed was paid in full by way of demand draft in Q1 XX/XX/XXXX. I have now been asked to send a second demand draft to pay the balance of {$29.00} because the original amount that was provided by the Barclaycard employee I spoke with in Q1 of XX/XX/XXXX was incorrect. I am disputing that the amount originally provided was incorrect following my own review of the statements shared. However, if the amount originally provided was in-fact incorrect, I feel that this is an error on Barclaycards part and not my fault.
The company continues to FAIL to take responsibility for their : 1 ) poor handling of the issue, 2 ) lack of information on the mechanism I could use to pay my bill, 3 ) inconsistent and inaccurate information sharing over the phone ( which is all I could rely on as I no longer had access to my statements ), 4 ) failure to update my contact information in spite of me sharing my new details multiple times, and 5 ) constant steam of aggressive communication in spite of me doing my best to resolve the situation.
The arduous process of trying to resolve the issue has put a severe strain on my mental health, my wellbeing and has also had an adverse impact on my credit. I would like this issue resolved in a manner that is fair and expedient. I have asked that Barclaycard XXXX the balances, as agreed on my call with them in Q1, Q3 and Q4 XX/XX/XXXX and restore my credit.
Requesting your urgent action. I am happy to share any emails referenced in my note. Please let me know if these will be helpful. I assume Barclaycard will also have records of these emails.
|
| 02/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
On XX/XX/XXXX, I entered into an agreement with XXXXXXXX to rebuild our business website. The first payment Invoice # XXXX was made in the amount of {$510.00} for the XXXX XXXX XXXX as advertised. They did not start to work on the site for several weeks. When the work proceeded there were troubling signs which I wasn't aware of at first. As changes were requested, for example, the spelling of our business name, was never corrected. Our business name is XXXX XXXX. This is outlined in the correspondence dated XX/XX/2019 in my rebuttal to Barclays Bank dispute. The evidence submitted by the above clearly shows this was never changed. Please refer to our chat conversation dated on XX/XX/2019 and actual pictures sent. They even went as far as to totally change our business brand and our logo without our consent. The above site designer sent fraudulent paperwork to the bank that the website was delivered. I provided the bank with proof that no website was delivered or existed by following this address XXXX XXXX XXXX. This is only a test site server. The actual web page was never delivered as they claimed. The bank failed to research my dispute nor did they address my concerns appropriately. The current website is XXXX. The information supplied by XXXX only shows delivery of logo 's. This isn't what the dispute is about. They can not document the fraudulent activity as this is electronic information and allows them the ability to avoid this evidence. The only intrinsic evidence is the logo 's that they clam was delivered.
Unfortunately, I never approved this charge or authorized this purchase of logos or letterheads business cards. The billing receipts are inaccurate and distorted and fraudulent. They have not supplied evidence or addressed these receipts in an honest ethical business practice.
The second charge occurred on XX/XX/2019 Invoice # XXXX in the amount of {$590.00} for Design-Registration. This is a fictitious charge applied. This payment as indicated by above was to secure my logo design from fraud by copyright protection. They said they had a legal department that would file the paperwork on my behalf. Barclay 's Bank failed to exam the authenticity of this payment with respect of copyright of my logo design. They ( XXXX ) failed to provide evidence that there was information sent to the copyright office or a serial number filing nor did they provide paperwork to substantiate this charge. Barclay 's Bank never researched this charge or observed that there was no supporting documentation as disputed in this matter.
The final charge on XX/XX/2019 in the amount of {$450.00} Invoice # XXXX for Website-Hosting for ( five years ). There is no hosting as there is no website or website administrative rights given by the above fraudulent builder. The site is still in their control on the test server. There is no supplied documentation to prove otherwise. This is another bogus charge which Barclay 's Bank failed to investigate on my behalf.
It became evident that during one of my online chats with the above, I asked for a physical address on their website company. After several minutes, the chat was turned off, and it was at this point the realization hit this is a fraudulent operation which bilked over {$1500.00} in credit card charges to my account. I subsequently suspended any further communication. I didn't want to be further harmed financially by this scheme. The paperwork sent to the bank by the above shows a third party called XXXX which I've learned is an online payment processing company. It is evident that these fraudulent individuals are biking the system by hiding behind this company located in XXXX XXXX California. They are manipulating their format by processing payments through their portal. As of this time, XXXX is looking into this matter as this could cause some major consequences for them on a federal level as I suspect.
I recently learned the above web designer is actually operating approximately 17 different internet sites and potentially more. They are as follows : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX There are offices located in XXXX XXXX, XXXX XXXX and Delaware, New York as I've researched. They actually have an office in your area. The name of the firm is XXXX XXXX, XXXX located at XXXX XXXX XXXX, XXXX, Delaware, XXXX. All of the above websites are mirrored images in how they operate. The language is similar along with layouts and advertising pop ups which appear when visiting these sites.
If you check the XXXX XXXX XXXX on any of these sites listed you will find poor reviews and the same bilking techniques as was applied to my credit card charges while reading through the complaints.
There are two apparent issues here from my experience. Barclay 's Bank did not research my complaint to the fullest. They neglected to protect me as the consumer. They took it with face value agreeing with these fraudulent individuals. I supplied for them accurate information pertaining to my dispute. Barclay 's Bank should be chided for this poor handling of my case by your office. These charges should reversed immediately on my credit card.
It also appears that this above matter may require law enforcement due to the nature of the many sites and bilking of money by of unsuspecting individuals and the many complaints found on different sites.
I would appreciate your strictest of confidence with this information and appreciate any help your office may provide. Thank you for your attention regarding this matter.
|
| 09/03/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Firstly, let me start by saying that I have been a XXXX XXXX credit card holder for more than a decade. I also have excellent credit history and take my purchasing decisions very seriously. Now I do not want any relationship with XXXX XXXX. due to the inability of the XXXX XXXX XXXX to address repeated security breaches and fraudulent activities that plague my account. My credit score is seriously affected by this issue, and they are not helping.
In the XXXX 2022 statement I found fraudulent charges on my XXXX XXXX XXXX credit card, which looked very strange with no description of what was bought. Some of those charges were in a vending machine in Maryland. I live in XXXX Texas. The amount of fraud charges was {$230.00} made from XXXX 2022. I reported them in XX/XX/2022. On XX/XX/2022 the card transitioned from XXXX to Barclays XXXX credit card. A new card was issued. The old XXXX XXXX card ( XXXX ) ended in XXXX. The new card that opened after the transition to Barclays in XX/XX/2022 ends in XXXX.
In the XXXX 2022 statement I could still see wrong charges. I know it takes time to investigate but wanted to confirm that they are still under investigation since I didnt want this to affect my credit history. Its a good thing I called because the charges from XXXX 2022 were not tagged as fraudulent. After calling several times why this is happening I discovered that there was confusion because the fraud charges were made BEFORE the card transitioned from XXXX to Barclays. When I called XXXX to report them as fraud they said they can not see the card charges because they transferred all my history to Barclays. When I called Barclays they said they can not see the charges that occurred prior to the transition because they occurred in the XXXX card.
I was subjected to more fraudulent activity because in the same XXXX 2022 statement, I found additional charges made. The additional charges were made after the card transitioned from XXXX to Barclays for {$230.00} done on XX/XX/2022. I called Barclays again, long wait for each call, and spoke with multiple departments. They said they tagged them as fraud, however they still couldnt help with the charges made BEFORE the card transitioned from XXXX to Barclays. At that point, I asked to close the card and never issue me a new one. I wanted to close my relationship with XXXX XXXX cards.
I received a letter dated XX/XX/2022 from Barclays stating that my card ending in XXXX was closed due to fraudulent activity and I am not responsible for any activity pending the investigation.
Around XX/XX/2022, I found someone in Barclays who could see the fraudulent charges that occurred BEFORE the card transitioned from XXXX to Barclays. She said she reported them to management and claims to have issued a fraud report.
On XX/XX/2022 I received a call from Barclays stating that I have not made payments on a card with a new number ( ending in XXXX ). I asked what card XXXX? I am not aware of this card. That was a new card Barclays opened in my name. They are asking me to pay charges I had clearly reported as fraud on a card I never requested. When I recited the whole story again the lady didnt seem to know much about my history. I pleaded with her to look up my history. I asked her why Barclays opened a new card under my name when I exclusively asked them not to. I also asked her why she couldnt identify that I had 2 separate fraud reports submitted. When I insisted she help me understand these questions she placed me on a long hold then hung up on me.
On XX/XX/2022 I received a call from Barclays stating that I have not made payments on my card. I was very confused since I had reported the charges as fraud. After checking they found the letter from Barclays XXXX XX/XX/2022, stating that the card ending in XXXX was closed due to fraudulent activity. They also said something disturbing, that they could not report as fraud the transactions that occurred BEFORE the card transitioned from XXXX to Barclays. I explained that I went through several calls with Barclays and XXXX, and that Barclays finally said they could see them and tag them as fraud. Now they are telling me they can not do that. Moreover, they advised me to call XXXX XXXX and XXXX. I explained thats what I did many times. XXXX XXXX said they can not do anything else about this and that I have to contact the credit card company. XXXX said they transferred all the records to Barclays and can not tag anything as fraud sine they cant see it. That day I called XXXX XXXX again at XXXX and the automated system said they no longer receive calls. The system said to call the credit card company or XXXX. I called the latter number and the system hung up on me.
On XX/XX/2022 I also found out that my XXXX XXXX decreased by XXXX points due to non payment.
Today is XX/XX/2022 and I still receive calls from Barclays XXXX asking me to pay, and they seem to be oblivious to what was going on, or they didn't care. Sometimes I pick up the phone but they just play music, as if they are playing with my nerves?
I am stuck in this dilemma. Every conversation I have with Barclays gets me nowhere. There is no communication between the people at Barclays which is dangerous. Barclays is missing the point that my account was repeatedly hacked and there is clearly a security breach. There is a serious security leak going on and I am questioning the whole XXXX XXXX Barclays card companys legitimacy.
I have lost sleep, work hours ( i.e. lost wages ), and am considering legal counsel. I am contacting the Consumer Financial Protection Bureau to help me resolve this issue.
|
| 02/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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I called Barclays Bank regarding a GAP store card on XX/XX/XXXX. I had received a letter from Barclays stating that I could call to remove myself as an Authorized user that I was an account on that was closed.
While on the phone with the initial Barclays rep, I made my intentions known and was told that I needed to be transferred to another department because of the account status.
I was then transferred to a man and I immediately let my intentions be known again I am trying to remove myself as an authorized user he told me that since I was not the account owner, I needed to call him back with the account holder present and gave me a phone number so that he could assist me. He never said that he didnt have the ability to remove me as authorized user when those were clear stated intentions. I had also already given the last four of the social/DOB/phone numbers to the Barclays automated service and the initial rep.
I called back the next day ( XX/XX/XXXX ) and spoke to another woman and again told her my intentions, I spoke to XXXX XXXX yesterday and he said I could call back with the account holder so I could remove myself as an authorized user the lady then proceeded to get everything from the account holder such as birthday, full address, and phone number. The lady then asked if it was okay to call me in 7 days and I asked what would you need to be calling me for and she said things regarding payment she then proceeded to go over account balance etc. etc.
I asked her, I do not need the account balance, I am calling to remove myself as an authorized user which I clearly stated to XXXX XXXX the day before and to her as soon as I got on the phone. She then stated, after she had the account holder verify her info, that she couldnt remove me as an authorized user.
I was then escalated to another woman for the same company who was apart of claims/complaints and she stated that XXXX XXXX nor the lady I spoke to previously said that they could remove me as an authorized user. I stated to her that those were my intentions immediately getting on the phone and that could have been said to me right away. I would not have had the account holder verify any information. The account holder is a senior citizen and can easily be taken advantage of.
I feel as though I was mislead into believing they could remove me as an authorized user as on XX/XX/XXXX, I was led to believe I was still talking to a Barclays/GAP representative XXXX I was transferred internally to my knowledge. The lady I was escalated to on XX/XX/XXXX replayed the phone conversation at my request as I claimed that XXXX XXXX did not state who he was or who he worked for when I was transferred to him on XX/XX/XXXX, he did not state his name in the beginning nor did he say his company he was affiliated with nor did he say he was attempting to collect a debt. Somehow, in the phone conversation she replayed, he magically said all this at the beginning. It is simply untrue and when she replayed the call for me, the beginning part sounded muffled and then magically when I started speaking, it went to normal. I truly believe they played a recording of XXXX XXXX voice and then started playing our actual conversation. I remember feeling confused when I dialed the number XXXX XXXX gave me because of the intro for XXXX XXXX when I was expecting it to be Barclays. He absolutely did not state he was from that company when I spoke to him. I believe the deceptively incorporated that into the playback. The lady I was escalated too actually said that she would need to hang up with me to find the call and then call me back, which she did. Somehow when I asked her to play the recording from XX/XX/XXXX of her co-worker that I had just spoken to before I spoke to her, she was able to find it almost immediately while I was still on the phone but had to hang up and call me back to find the conversation I had with XXXX XXXX.
I feel they had two opportunities to tell me I was not able to removed as an authorized user by them but failed to do so. I was only told this information after the account holder essentially verified the debt and even then after she finished answering the questions to verify, the lady immediately went into account balance completely ignoring my intentions for calling in the first place. I had to bring it up again myself and THEN she said that she could not remove me.
I ended up calling back Barclays and asking to speak to a supervisor who eventually removed me as an authorized user but feel mislead by Barclays too as they did not state they were transferring me to an external collection agency during my initial call on XX/XX/XXXX. I was able to get recordings of phone conversations today of my interactions.
I feel I was extremely mislead and straight up lied to by XXXX XXXX XXXX. They deceptively got me to verify a debt and now I know they will be hounding the phone number provided to them, they have my phone number as well as the lady I spoke with called it back to me. I have nothing to do with this account.
I got a couple of operator IDs from Barclays and the supervisor, named XXXX went back and forth whether or not one of them was XXXX XXXX. The numbers she gave me were : XXXX ( or possibly XXXX ) & XXXX. I also filed a complaint with Barclays while on the phone with XXXX detailing my experience and she assigned me the ComplaintID of : XXXX.
I will attach the letter from Barclays saying that I needed to call their customer service to remove myself as an XXXX. I also have phone conversations recorded that I can provide if necessary as I can not upload them here.
|
| 02/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American |
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The below letter to Barclays explains my situation. In addition to being scammed, I am now being asked by Barclays to reimburse them for funds that should never have been accepted by them if they conducted proper due diligence. It is scary to know that one only has to present any bank account number and routing number to a credit card company and they will proceed to take funds from that account without proper safety checks. Even more scary is the fact that one 's banking info is essentially public, as it appears on every check.
XX/XX/2022 Barclays XXXX XXXX XXXX XXXX, DE XXXX Dear Sirs, Re : JETBLUE REWARDS XXXX XXXX # XXXX XXXX XXXX XXXX I refer to your letter dated XX/XX/2022, on the above subject, advising me that A recent payment on XXXX JetBlue XXXX XXXX account has been returned by your bank for Identity of Authorized User. As a result, we have removed this external bank account information from our system and the payment has been reversed.
Needless to say, your decision is quite puzzling and seems to be high-handed under the circumstances. Consequently, allow me to add some context to this unsettling matter.
On XXXX, 2022, I started working with XXXXl XXXX XXXX XXXX XXXX XXXX ) of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX, as a XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In order to purchase products, XXXX provided their banking info ( Checking Account ; Account # XXXX ; Routing # XXXX ; Account Nickname : XXXX XXXX XXXX ) ) with XXXX XXXX XXXX and instructed that I use this bank account to put funds into my JetBlue credit card. The following payments were made to the card : XXXX XXXX, 2022 : {$20000.00} XXXX XXXX, 2022 : XXXX TOTAL : {$40000.00} Barclays immediately confirmed that the funds were received and credited the card accordingly. No mention was made by Barclays at the time that the source of the funds was questionable.
Using these funds, purchases were then made from XXXX XXXX and XXXX, and the goods were subsequently shipped out to XXXX XXXX as per XXXX instructions. XXXX unexpectedly ceased operations around XXXX XXXX, 2022.
XXXX my surprise when, by your letter dated XXXX XXXX, 2022, almost XXXX ( XXXX ) months after the first transaction on XXXX XXXX, 2022, you are now advising that the payments of {$40000.00} made into the card account in early XXXX were now being reversed because my name was not listed as an authorized user on the XXXX XXXX account this was the reason given to me by your Customer Service when I called after receiving your letter.
Why did you not alert me immediately of this fact on XXXX, 2022? If you did, then this situation would not have arisen.
Your decision to hold me liable for repayment of the {$40000.00} is ludicrous, as Barclays failed in its responsibility to protect the cardholder by not performing due diligence on the source of funds in a timely manner. Barclays actions, or lack thereof, constitute a breach of fiduciary duty.
Every check written has the accountholders bank account number and routing number printed on the check. Hence it is safe to say that this information is in the public domain. Knowing this fact, why would Barclays simply accept anyones account number and routing number alone as a payment source, without conducting proper due diligence to verify that the accountholder and cardholder are XXXX and the same, and is in fact making the payment? This due diligence should be immediate. Yet it took Barclays XXXX ( 2 ) MONTHS to determine that the cardholders name ( my name ) was not on the XXXX XXXX XXXX account being used!
Please be aware that I have reported XXXX as purporting a scam, to the following agencies : Florida Attorney General Federal Trade Commission XXXX XXXX XXXX XXXX ( XXXX ) Notwithstanding XXXX purported scam, I hold Barclays to be complicit in this matter as they failed to adequately protect the cardholder from this scam.
I trust that common sense will prevail in this matter, and you will see it prudent to remove the {$40000.00} from my account.
PLEASE BE GUIDED ACCORDINGLY.
Cc : XXXX XXXX Barclay 's latest response below : Response Customer care via XXXX XXXX pm Hi XXXX XXXX XXXX Thank you for contacting us about your JetBlue Rewards Card XXXX
We understand your concern and apologize if your received anything less than exceptional service. We see that the payment on the account for XX/XX/2022 and XX/XX/2022 has been returned. We can not determine the nature of a payment information until it has cleared or not cleared an an account and that can take anywhere from XXXX days on larger payments. The XXXX XXXX where the deposit for Barclays payments was made are the ones who rejected and the payment due to the fact you are not a authorized user on the account. We do apologize for the inconvenience and hope we have clarified the situation.
Barclays is required to report account history accurately. We update your credit report monthly, and it XXXX take 30 days for the credit bureaus to update their records. Accounts are not reported to the credit bureaus as past due until they are 60 days past the statement cycle date and greater than 30 days past the statement due date. At that time, accounts are reported as a XXXX delinquency.
If you feel that any of the Barclays account information that is reporting on your credit bureau report is incorrect, please send a written dispute to the following address or submit a dispute directly with the XXXX XXXX XXXX : Barclays Dispute Address : FCRA Credit Bureau XXXX XXXX XXXX XXXX XXXX, DE XXXX
|
| 05/11/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
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AGREED PAYEES : BARCLAYS BANK XXXX ; XXXX XXXX XXXX PERPETRATED A SCAM TO DEFRAUD ME OF MONIES THAT WAS INTENTED TO BE DISPURSHED BETWEEN ( 7 ) CREDITORS UNDER A CONTRACTUAL DEBT CONSOLIDATION AGREEMENT. XXXX XXXX XXXX PROCESSED A DEBT CONSOLIDATION CONTRACT THAT WAS NOT VALIDATED BY THE CREDITORS. I, UNDER THE IMPRESSION PAYMENT WERE CREDITED LATER ESTABLISHED THAT XXXX XXXX XXXX IS UNDER INVESTIGATION AND PROMPTLY CEASED PAYMENT TO THE COMPANY. ON XX/XX/2020 BY CERTIFIED MAIL ( 7 ) CREDITORS WAS INFORMED OF THE POSITION AND REQUESTED THE OUTSTANDING BALANCES BE RE-NEGOIATED. I FURTHER REQUESTED THAT A NEW PAYMENT PLAN BE CONSIDERED BASED UPON RECALCULATION AND MINUS OF MONIES OF WHICH I AM PERSUING XXXX XXXX. FOR THE RETURN. ALL CREDITORS FAILED TO RESPOND TO MY PAYMENT OFFER AND INSTEAD CHOSE TOO REPORT THE ACCOUNT AS DEROGATORY IN A CHARGE OFF POSITION.
( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
|
| 04/05/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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XX/XX/2020 Barclays Dispute Department XXXX XXXX XXXX XXXX DE XXXX Re : Responding with documentation to support dispute. Case ID CIS XXXX, Disputed transaction XX/XX/2020, XXXX $ ( Travel Agency/XXXX/XXXX ).
I received a letter dt. XX/XX/2020 stating that Merchant has provided supporting documentation which I am disagreeing with. I am responding within 10 days as stated with my supporting documentation. Before we go there, XXXX was given more than 60 days to respond, whereas I as a consumer of Barclays, was given just 10 days to respond even when US is in National lockdown with all essential services closed. This needs investigation by US Banking regulations which I will report and pursue.
Now, back to the documentation provided by XXXX. I am going to respond to each paragraph line by line from Page 2 onwards. Please reference to the page 2 of letter your bank sent.
1. XXXX argument that I accepted their terms and conditions is baseless.
a. I accepted the terms and conditions while purchasing the ticket on the grounds that I will be provided a ticket for which I am paying. XXXX failed to provide such a ticket. I paid ( XXXX $ ) to XXXX XXXX to book me a non-stop flight. They booked the ticket with PNR # XXXX. ( XXXX XXXX XXXX ). This PNR ( XXXX ) when pulled in XXXX XXXX website displays a different itinerary. They sold a FAKE ticket.
2. Merchant Argument that there was a schedule change by Airline.
a. Where is the documentary evidence that there was a schedule change? Did Merchant provide any evidence to support that claim? This was the assumption made by XXXX XXXX ( XXXX XXXX. XXXX XXXX Airline has confirmed that there was NO schedule change. AIRLINE departure information confirms there was NO Schedule change.
3. Schedule change by Airline is beyond their control, as specified by their user agreement and I accepted that agreement.
a. No Documentary evidence was provided by XXXX which suggest that Schedule change resulted into a different itinerary. Airline has also refuted that claim. Can merchant provide the evidence which proves that I was originally booked to the correct non-stop flight and schedule change resulted into my itinerary changing into a stop-over flight? Please provide the evidence to prove schedule change. THERE CAN NOT BE ANY ASSUMPTIONS. NEED PROOF TO SUPPORT THIS CLAIM b. The copy of ticket as provided by XXXX states that I was booked on XXXX XXXX and as claimed there was a schedule change of that flight. This is incorrect. As a matter of fact, XXXX XXXX flight did depart on XX/XX/2020 and landed on XXXX on XX/XX/2020. Since I was never booked on this flight, I was not able to fly.
c. This clearly shows that there was no schedule change and fXXXX XXXX never booked me into the correct flight. They took money for a nonstop flight but on backend booked me to a stop-over flight.
4. We are following up with Airline for refund, as soon as we get it will be processed.
a. Merchant reached out to me to investigate this as well and I cooperated with them and provided a copy of ticket ( PNR XXXX ) which they gave me and the copy of same PNR ( XXXX ) when pulled in Airline Website. Both tickets have same PNR but different itinerary. XXXX XXXX has denied to issue refund and rightfully so. It is the fake merchant who should be held liable for selling fake tickets.
b. Merchant is misrepresenting that they are following up with Airline. Airline on XX/XX/2020 has clearly denied that refund. ( Copy attached ) 5. XXXX XXXX as travel agency took the money to book a non-stop flight but because of their system glitch or whatever, booked me a stop over flight. There was no evidence provided to prove that there was a schedule change. Airline departure information has also confirmed that there was no schedule change.
6. I did agree for the charge and accepted terms and conditions agreement on the pre-text that merchant will book me the flight that they are displaying on the screen. I was not aware that they display a FAKE ticket and gives a FAKE itinerary.
7. The PNR # merchant gave me was XXXX XXXX XXXX.
8. When same PNR ( XXXX ) was pulled in XXXX XXXX website, it displays a different ticket. ( copy attached ). Please note the same PNR # ( XXXX ) but has a different route and itinerary. This has a stop over in XXXX. ( Copy attached ) 9. Merchant should be reported to the Consumer bureau since they are cheating consumers by selling fake tickets and dumping the responsibility on Airline on the basis that there was a schedule change. No evidence has been provided till date that proves a schedule change. XXXX XXXX flight did depart on XX/XX/2020, therefore there was no schedule change. Barclays supporting such businesses should be held liable as well.
10. Merchant provided a copy of ticket as displayed on their portal but never provided the copy of itinerary as shown in the Airlines website. I have attached a copy of that itinerary ( XXXX XXXX PNR XXXX ) for your reference. Please note the same PNR but different itinerary.
I would therefore request to issue the permanent credit to my account and charge back the merchant along with reporting this fraudulent business to FTC and XXXX. The whole argument that I accepted the terms and conditions is baseless. I accepted the terms and conditions and the terms was that merchant will provide me the ticket that I am paying money for.
At the same time, the schedule change argument is also baseless. No documentary evidence was provided to prove that claim. This was just an assumption made by the merchant.
Thank you!
XXXX XXXX XXXX
|
| 05/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Hello, I've had the Barclays XXXX XXXX Mastercard for over a year. I decided to get the card because I'd been doing a great deal of travel and aside from its XXXX points benefits, one of the selling points of the card was travel insurance.
I had a number of travel arrangements planned for XXXX when COVID hit. This resulted into three different charges I needed to dispute because the airlines would not give me a refund or credits towards future flights. When I contacted Barclays, customer service was nice over the phone and gave me the impression they were going to make things right, but they did not.
Below is an excerpt from a letter/fax they required me to send to them outlining my issues with the three disputes, including dates and charge amounts. I've also attached a PDF of the letter, which includes screenshots and ample evidence backing up my claim.
Weeks after receiving this letter, Barclays sent me three brief letters, one per dispute, simply stating " We are unable to override the merchant 's no refund cancellation policy that was agreed to when making the purchase. '' What I find to be repressible is every time I've called to follow up on their refusal to credit my Barclays account, the customer service representatives have stated untruthful information about my claim. For example, on my most recent call, Barclays told me XXXX had offered me credit for my flights, which was not the case. They told me there was nothing I could do. When I initially called Barclays about this dispute, I specifically asked the customer service representative if I should cancel my flights while the charge was being disputed, and the customer service rep told me to cancel it. Those flights ended up being cancelled by the airline a few weeks later, meaning had I not cancelled on my end, I would have received credit. How is Barclays, a multi-billion dollar company, not liable for this? How am I stuck with the nearly {$1000.00} in charges?
I would have NEVER cancelled my flight had they not specifically advised me to. Aside from being completely unethical, how is this even legal?
Like I said, below is a more detailed breakdown. Any help would be greatly appreciated. Supposedly one of their higher up dispute managers is going to be calling me, but it's been three days since I last spoke to them and I haven't heard a thing.
This letter is in regards to three different chargeback disputes : XXXX XXXX XXXX I am writing to request to continue my case with all three of these. The reasoning for my disputes being initially declined was : We are unable to override the merchants no refund cancellation policy that was agreed to when making the purchase.
Lets start with XXXX.
My charge was processed on XX/XX/2020 for the amount of {$160.00} from gotogate_us_us XXXX.
The charge was for a flight booked on the airline XXXX. The flight was scheduled for XX/XX/2020.
On XX/XX/2020 I received an email from XXXX stating that XXXX filed for bankruptcy and that my flight would no longer be happening. In the email from XXXX they state this : Ive been booking my travel with my XXXX XXXX Mastercard arrangements under the impression I would receive protections in events like this. Since my flight never happened and the airline no longer exists, I am requesting this chargeback. If you go to XXXX official website, you can clearly see that they filed for Bankruptcy after I booked my flight and before my flight was scheduled to depart.
Below you will find screenshots of emails confirming my initial flight information, XXXX response, and the home page of XXXX website, re-iterating everything Ive claimed in this letter.
Now for XXXX and XXXX.
These are two different charges from the same airline, XXXX XXXX.
The first charge was processed on XX/XX/2020 for the amount of {$460.00} from XXXX.
This flight was scheduled to take place on XX/XX/2020 from XXXX to XXXX. When COVID-19 caused the festival I was traveling to postpone, I contacted Norwegian immediately and they denied to give me credit for a future flight, I then contacted a Barclays representative on XX/XX/2020. The Barclays representative advised me to then cancel my flights with XXXX. I have learned in the time since canceling and being denied credit from Barclays, that both my flights were cancelled. Had I not cancelled the flights on my own, I likely would have received credit from the airline. I would have never cancelled, had I not been advised to by a Barclays representative.
The second charge was processed on XX/XX/2020 for the amount of {$490.00} from XXXX.
This flight was scheduled to take place on XX/XX/2020 from XXXX to XXXX. When COVID-19 caused the festival I was traveling to postpone, I contacted Norwegian immediately and they denied to give me credit for a future flight, I then contacted a Barclays representative on XX/XX/2020. The Barclays representative advised me to then cancel my flights with XXXX. I have learned in the time since canceling and being denied credit from Barclays, that both my flights were cancelled. Had I not cancelled the flights on my own, I likely would have received credit from the airline. I would have never cancelled, had I not been advised to by a Barclays representative.
Below you will find screenshots proving that the flights were eventually cancelled, as well as my initial booking information.
Please do what you can to rectify this situation. Thank you for your time.
XXXX XXXX
|
| 11/25/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
I will also be filing complaints against the agents mentioned below with the Nevada Real Estate Division. They treated us so badly and threatened to have XXXX sales agent XXXX fired because it was not legal, per them, for him to hold a price. Their manager got on my phone, speaking to XXXX, chewing him out. I was so very upset that I started to cry. Confused and not knowing what to do.
We signed the new contract so XXXX would not be fired.
{$1500.00}, they opened a new XXXX XXXX credit card in my name because I did not have the money. Another {$3100.00} was charged to two different XXXX cards, plus the {$1500.00} down.
On XX/XX/XXXX, we again went to XXXX XXXX XXXX XXXX. We spoke to XXXX to try and explain about XXXX XXXX. He introduced us to XXXX XXXX. XXXX explained to us about the trial Platinum.
I hesitated about the purchase because the money was going. He said there was a company that we could refinance with that had a better rate than XXXX, so our payment would be less. That was not so. The company only goes for half the time and the payment would then be the same. It was too much.
Also we were told we are real estate agents. You can write off the interest paid and closing costs on these contracts because it is like real estate. Proof because they have RE lic. Not so. Our accountant said we were not allowed to take any deductions. They said we had to buy that day so we could not talk to our accountant.
Anytime we check in, they harass us to do another update. In XXXX XXXX while checking in, the woman wanted to follow me to the parking garage to get XXXX to change his mind even though I told them NO. She said she needed for us to participate so she would get credit.
Also last XXXX we had to refinance our house to pay off the credit cards. They want us to do it again to stay in XXXX and become permanent platinum.
It is my hope XXXX will help this family so obviously taken advantage of.
XXXX XXXX We are seeking a partial loan cancellation and refund due to deception at the last upsell as we have purchased points previously that had been rolled into one loan. This last purchase has caused a XXXX XXXX. We have used all our savings. We have paid {$76000.00} and we still owe {$93000.00}.
Please help us. I am XXXX and XXXX is XXXX. He was stricken with XXXX XXXX in XX/XX/XXXX. He was not thinking clearly for quite a while.
XXXX XXXX advised us to talk to XXXX XXXX XXXX Department before calling an Elder Abuse lawyer or filing regulatory complaints. She said you have helped others in our situation because of a new program called XXXX.
Current points XXXX Current Loan Balance : {$93000.00} Current Maintenance Fee : {$6900.00} Total Purchase price per contract XXXX XXXX XXXX. XXXX pts. Int. 13.65 % From XXXX XXXX XXXX ( XXXX ) XXXX XXXX. contr. XXXX pts Int. 13.49 % From XXXX XXXX XXXX Cancelled : 3 times. 2 times in XXXX XXXX and 1 time in XXXX XXXX.
We traveled to XXXX XXXX XX/XX/XXXX and met with XXXX XXXX. We purchased another XXXX points to move us up to XXXX. After agreeing to this, we again changed our mind and cancelled. The reason was our XXXX year old granddaughter was XXXX of XXXX XXXX. My son had already XXXX XXXX XXXX XXXX XXXX and we were helping him. XXXX said he would hold the price per point until we were ready to move to XXXX.
On XX/XX/XXXX, we went to XXXX XXXX again. They again said they were going to give an update to explain the purchase of XXXX by XXXX. This was NOT to be a presentation - just an update.
The salespeople checked our account and said that we had a pending contract on file and we would need to purchase or the contract XXXX was holding would be null. They treated us so badly and threatened to have XXXX fired because it was not legal, per them, for him to hold a price. Their manager got on my phone, speaking to XXXX, chewing him out. I was so very upset that I started to cry. Confused and not knowing what to do.
We signed the new contract so XXXX would not be fired.
{$1500.00}, they opened a new XXXX XXXX credit card in my name because I said I did not have the money to do this at this time. Another {$3100.00} was charged to two different XXXX cards, plus the {$1500.00} down.
XXXX points purchased New payment {$660.00} We went home and cancelled this nightmare.
XX/XX/XXXX we again went to XXXX XXXX. While there XXXX XXXX came to our room and asked us to come to his office for a talk to explain why we had cancelled the last contract.
Also told we could use points to pay maintenance and buy plane tickets and other things. We were not told Platinum members can only use maintenance fees at XXXX cents a point.
We agreed to another XXXX points. They had us open another credit card in XXXX name for {$4000.00}.
Now XXXX XXXX XXXX XXXX has been calling, XXXX XXXX and his Supervisor XXXX. They are saying we need to upgrade to XXXX points to be permanent XXXX. Telling me we should never had been given the price on the other points of {$3.00} each. I do not have a clue how much a point we paid. We were never given a copy showing the cost. He said the points are now selling for {$8.00} each and that is what we should pay.
I told Him No!
Maintenance Fees increases. We were never told maintenance fees would go up each year. They have used all our savings. Paid {$76000.00} and we still owe {$93000.00} XX/XX/XXXX {$2700.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$2700.00} XX/XX/XXXX {$5100.00} XX/XX/XXXX {$6900.00} Please help us.
|
| 12/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
A Wyndham representative approached us to purchase week long vacations, a deal not to be passed up. So we did so for our XXXX children.
We were asked to return and sit in on a presentation so the representative selling us the vacations would receive credit and pick up the certifications for the week long vacations. The sales brochure and the certificates are attached.
2. The sales of the week long vacations packages were very deceptive. It was sold as use anywhere anytime. Reality is you can not use them at anytime only in off peak periods and only at low coat low usage property as stated in the attached e-mail, These packages were issued only as we were walking out the door after the 5-hour high pressure presentation. We were not given time to read and review them prior to purchase.
In the event this certificate package would have been properly presented for what it actually is no purchases would have transpired.
3. Sales person XXXX XXXX, XXXX XXXX and XXXX XXXX kept us for 5 hours with offers of splendid vacations, they kept bringing more sales staff and they kept adding to the pressure. Each staffer that appeared had an add on to make the deal better. We told the NO several times and they just kept bringing more people Sweetening the deal each time.
4. XXXX and XXXX said you could use points to take cruises ; redeem points for Airline Tickets and XXXX Tickets. This was a false claim, as we do not have enough points for this. We each ( XXXX and XXXX ) own Wyndham Vacations and travel the globe on exotic vacations.
What they did not disclose is we do not have enough annual points to do any of this.
5. ( Rental Fee for Points ) this was disclosed to us as you could bring points forward for the next year without any extra cost. This is another false claim, as the extra points are expensive and must be purchased. We have checked into these properties and over 90 % of them we can not use due to too expensive, not prime vacation areas ( as stated ) or off peak season when our children and grandchildren can not go due to work and school.
6. There many documents singed without our knowledge by XXXX XXXX using the Docu-Sign application. Due to they had kept us there for 4-hours he forged our names onto this Docu-Sign and went through about 50 pages of documents electronically signing them without our knowledge or an explanation that would have given us more time to reject this contract. We have highlighted them throughout the contract. We were kept in this environment 4-1/2 hours longer than the consumer protection agency allows under high pressure the entire time.
7. A Barclays Wyndham Credit Card was issued to us and explained IF we use it, we could accumulate points and use them toward a maintenance fee. The maintenance fee was not disclosed to us until after we asked about it several times. The fee quoted us at the time is far less than the actual fee.
Wyndham added a 10 % down payment onto the card instantly in which we have never received points but have received several invoices for the full amount of the maintenance fee.
Then charges started showing up on the CC at 17.9 % interest. We confronted the Barclays CC Company and they removed the unauthorized charges. Now Wyndham is sending these charges through collection agencies now in an attempt to intimidate us by destroying our credit rating.
8. Wyndham did not disclose a 10day grace period to decline this purchase. When we approached Wyndham it was told to us You should have read the fine print and would you like to purchase a higher point package.
We have never seen a disclosure statement. We did not receive a disclosure statement.
9. We reached out to Wyndham. Wyndham claims they internally investigated the incident.
However over the course of 4 months their investigators XXXX XXXX and XXXX XXXX talked to us on the phone 2 times in mid XXXX and early XX/XX/2019. We did not communicate with them again for 2-months as we tried to follow up with the investigation. After 2-months XXXX wanted to conduct an initial interview as if we had never spoke on XX/XX/XXXX. We found this very unusual. All communications are attached.
1. Wyndham will not discuss this issue in writing. We have repeatedly asked them to write us any and all concerns and they refuse. We did receive e-mail from XXXX XXXX wanting to offer us something, she would not say what it was on e-mail and only could say it on the phone as per Wyndham policy.
2. We finally received a non-cancelation letter from Wyndhams XXXX XXXX on XX/XX/XXXX. This letter is attached and mainly reads like a standard issue letter.
3. We reached out to the Attorney Generals Office in XXXX and XXXX seeking help with this issue with no results. Wyndham had someone within their Consumer affairs deny all of our issues and concerns.
4. We have received many harassing phone calls from Wyndham Collections, Barclays, ( XXXX XXXX XXXX ) ( collection agencies used by Wyndham & Barclays to intimidate us ) mainly these people have been rude when we will not speak on a recorded line and ask them to send e-mails.
We only seek for Wyndham to honor the 10-day cancelation period and cancel this contract, as per XXXX state law.
We feel we were lied to, taken advantage of, misled by high-pressure sales staff and fraudulently coerced into accepting something we did not want and had said NO to, many, many times in the 5-hour long sales marathon.
|
| 08/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I have been a Barclay 's credit card customer for several years in good standing. I never have balances, I always pay off my accounts in full each month. This card that was stolen was a back up card for me. It wasn't connected to a mileage program so i had it as an emergency card of sorts. I rarely ever used it. On XX/XX/2021, An electrician from The XXXX XXXX came to my home to install an electric car charger in my carport. Due to XXXX, he didn't come into my home at all. When it was payment time he said he'd process it in his truck. I was on a zoom with work, so I ran to my wallet, grabbed the first card my hand touched and it was the Barclay 's card. I gave him that card to pay for his visit. It was {$120.00}. He said he'd bring the card back and leave it on the ev charge box since I was dealing with my office. On XX/XX/XXXX, I left for XXXX for the XXXX holiday. I didn't get back to XXXX XXXX until XX/XX/XXXX or XXXX. When I got back I was removing all of my receipts, etc. from my trip out of my wallet into files when I realized I didn't have that Barclay 's card that I had given to the electrician. I saw him bring it back but I don't know if I forgot to take it from outside or if I dropped it in NY somewhere, but the card was gone. Once I noticed the card was missing I immediately called Barclay 's and reported the card stolen. Then Barclay 's informed me there were several charges made on the card during the possible missing dates. They went over a list with me and asked me if i had made each charge and each one, except for The XXXX XXXX, was not mine. It came out to about {$3100.00}. The credit card statement from Period XXXX is attached and shows these fraudulent charges. Barclay 's made my fraud claim anything but easy. Barclays initially credited me the full fraud amount back. Please see statement Period XXXX. BUT then Barclays charged me back for roughly half of the fraud charges with no warning or explanation. Please see statement Period XXXX. I called them and in Barclay 's fashion, was handed around from person to person after very long hold periods. The people in customer service barely spoke english and read general statements, they never listen to what you are saying. I was on the phone for a few hours and while no one seemed to understand how half of the fraud charges were put back on my card, one person in fraud said a police report would do the trick. I explained how in XXXX XXXX they won't give you a police report for simple theft. they have too much crime happening in XXXX country, but the person at Barclay 's said that was the only way to prove they were fraudulent charges. So with much effort, I was able to file a police report for the credit card fraud. I sent it to Barclays and nothing, I must have called every few weeks and it was a hassle each and everytime with no answers, just getting denials and people not understanding me. Finally in XXXX I reached a nice gentleman who spoke english and understood what i had been going through. he said the police report was never forwarded to the investigation group, so he said he sent them everything and I would be credited back all then interest fees and monthly minimum payments I had been making on the fraudulent amount so I wouldn't get any late payments. Well i've heard nothing and still see the fraud amount is on my card balance. I call barclays, customer service spends 30 minutes with me and then they put me on hold to pass me to fraud. The woman in fraud was useless. She said the police report isn't enough. I said how is an official police report not 'enough '. When Barclay 's said get a police report and it will be done. She kept putting me on hold to speak to some mystery person about other ways to prove my innocence. One suggestion was to go to the stores that the purchases were made and ask to see surveillance tape from the date the charge was made and if it shows someone else and not me that would clear me. This was insane. I explained to her that the credit card company is supposed to do the investigation, not me. I wasted dozens of hours with them already on this. Also, the stores listed are all over the country. I have never heard of something so asinine in my life. I then accused Barclays of fraud becasue it seems they are making it impossible to make me whole. I asked to speak to a supervisor and she told me you have to make an appointment for that. So I said make me an appt. Their 'appointment ' is a call anytime in the next 5 days in the morning. She said to be sure you have your phone on. I told her I work so if i miss the call what happens? And she said just keep the phone on. It's like speaking with robots. And I reminded her I have been a great customer with Barclays for years, no balances, etc. She stuck to her company line. So I am so frustrated and annoyed with all the hours I have wasted with that bank they leave me no choice but to make complaints about them now to force them into doing what's right and fair. i followed the rules in reporting and providing what they needed. I have never seen anything like this in my life. it's very suspicious behavior in my humble opinion. Once this is done I am cancelling all of my accounts with Barclay 's, they make you feel like a criminal as their customer.
|
| 08/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/2022 we were traveling home from XXXX and stopped at XXXX gas station to fill up the rental car. The attendant tried to charge my XXXX XXXX XXXX and it was flagged immediately via text to my phone for fraud. The attendant also claimed the card was declined a twice, however I didn't yet realize they were lying and charging the card because I had initially approved the security text. I took my credit card back from the attendant and paid the gas bill with cash after they tried two additional credit cards of my wifes. Her cards were also flagged and she replied to her security texts that they were valid so the charges would go thru, however the attendant ( unbeknownst to us ) lied again and said they charges were being declined and kept asking us for other cards or cash. We realized we were being scammed and offered to pay in cash XXXX XXXX. They also decided to tell us the amount of gas they had pumped was over {$70.00} US, but we only need less than a 1/4 tank to fill the car as were were just topping off on our way to return the rental car to the Airport. They had 3 attendants in front of us yelling and threating us and telling us we need to give them more money and as the situation progressed to get more and more threating, they stole another {$20.00} US bill right out of my hand. They refused to give a receipt we said we were not giving them any more money and said we were leaving. ( this was a very threating situation at this point ).
The charge was {$990.00} which would clearly be way more gas than anyone could fill up at any gas station. Clearly this XXXX XXXX is Scamming people. My wife and I immediately returned the car and went to the airport to catch our flight, but before boarding we immediately called all three credit card companies to alert them of what had just occurred. I was assured that the charges would not go through from the SERVICE REP. When I returned to the XXXX and I called XXXX XXXX XXXX to review the issue and to see if they would be canceling the card and sending a new card. The representative did send me out a new card. When I received the new credit card it had the same numbers as previous card. I called to customer service to activate the card and to confirm that the previous representative that I had already spoke to a few days earlier had done the correct procedure. I went over all the charges again and situation with the SERVICE REP and they said that the charge would be removed within a few days. The charge was removed, but when paying my statement that month I notice the charge was re-applied on my XXXX XX/XX/XXXX and had to call customer service again. Now since last XXXX I have been given the run around from Barclays over 25 different phone calls, being transferred back and forth over 50 times from Disputes and back to Fraud. I have done everything their company and representatives have asked including sending letters of explanation, faxes, pages and pages of XXXX report of 100 's of consumer being ripped off and accosted by this exact same XXXX XXXX. I even sent them ( at their request ) proof of my wife 's two credit card charges being immediately reversed. I've sent them the address of the gas station, I have continued to follow up with this matter every month for the past 9months. I am always told that they need a copy of a receipt for the cash that we paid, while neither of my wife 's credit cards that were fraudulently charged asked for this. I explained over and over the situation and how we were refused a cash receipt. After months of calls, email, faxed and mailed letter, I decided that we should request the XXXX XXXX per our Credit Card Contract. On XX/XX/XXXX I followed the instructions per the contract and faxed and mailed the XXXX XXXX request ( as this was the only method given ) and we have never received a response. I have tried to reach out via XXXX as all attempts via phone, fax, mail have gotten us no where. Today I tired calling the phone number that I receive from an automated response from XXXX as I thought maybe by some chance it would be different, but no luck. I was told their was not one to help, I was told their were no Managers available to talk with, I was told so many excuses of why they couldn't do anything, then transferred from Fraud to Disputes AGAIN! I went over the entire history again with the new representative who confirmed she was in the XXXX and said the screaming baby I had to listen to in between her broken XXXX was a neighbors cat. She tried to tell me that our case had been closed so the XXXX XXXX request was probably archived!?!?!?!
This was her only excuse she could some up with for us being ignored for complying with every request given by Barclays including our rights to XXXX XXXX.
We are excellent customers, pay our cards off every month and have never been late and this is the treatment we receive. We have paid the cards off and would like to cancel both my and my wife 's accounts but not until this is resolved professionally. I am happy to provide copes of all the letters, faxes and requests.
This is the location : FRAUD GAS STATION BELOW - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX PHONE XXXX XXXX XXXX XXXX XXXX XXXX
|
| 02/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
XX/XX/2022, there were two fraudulent charges on my wife 's XXXX XXXX, Barclays Bank Mastercard credit card.
Business name : XXXX XXXX XXXX, for {$3100.00} and {$3900.00} The details of this situation were as follows : From XXXX XXXX through XXXX XXXX we were staying at Breathless, an all inclusive resort in the XXXX XXXX. We did not leave the resort or use our credit card while at the resort at any time. At the time of the charge, the card was in a locked suitcase in our hotel room. There was evidence that the suitcase was broken into but nothing was physically taken, it was reported to our hotel concierge but no official report was filled out. We did not realize our card was compromised and simply put back into the bag.
XXXX XXXX I received an e-mail at XXXX Fraud alert, which I didnt see until XXXX that night. I attempted to call to have these charges revoked but the hold time was long and I was on vacation and couldnt get through.
XXXX XXXX, morning, When I initially called to report the fraud, based on the name of the company, I thought they were charges in XXXX XXXX, not The XXXX XXXX. Additionally, when I reported the fraud I thought the charges were on my card and not my wifes. The customer service agent canceled my card and issued me a new one, at no point indicating to me that the charges were actually done on my wifes card not mine. I discussed the charges with the agent. Questioning how someone in XXXX XXXX could have gained access to my account information. At no point did the agent correct me and tell me the charges were actually sourced out of XXXX XXXX, not XXXX XXXX. Due to this, it took me a full two weeks, XXXX XXXX, to realize the charges were on my wifes card not mine and within the XXXX XXXX not XXXX XXXX. By this time I was home back in the US. I promptly canceled my wifes card and had a new one issued.
XXXX XXXX I called again to follow up on the status of having the charges removed. I was told it was still under review.
At some point the charges were removed and I was elated, because I can not afford to pay $ XXXX for something we didnt order or purchase.
XXXX XXXX I saw the charges back on my account! I was shocked. I called and was told the fraud claim was rejected? I was told I was to receive a letter in the mail explaining.
XXXX XXXX I received the letter from Fraud investigations which explained that because the card was on our person that they determined the charges had to be legitimate. I called again and was told that I had to send a letter requesting the case to be re-opened. On this day I wrote and mailed a letter requesting the case to be re-opened.
XXXX XXXX I received a call from Customer service. They indicated that the letter had been received and the case would be re-opened. Operator ID XXXX XX/XX/XXXX. I called to follow up. I was told that the letter had actually not been received and the case was not re-opened and that I had to send another letter. This time I sent the letter certified mail. Along with this letter we included, photo evidence including time stamps, that we were at the beach at the all inclusive resort with many witnesses, not in possession of our card, nor in a situation where it would make any logical sense for us to be applying over $ XXXX in charges at a rental car agency ( or whatever kind of business the charges were ). Further more, we can find no evidence of this business XXXX XXXX XXXX existing, online or otherwise.
XXXX XXXX I received notification from USPS the certified mail was received.
XXXX XXXX I called to follow up. Spoke with XXXX XXXX - I was told the letter was received, logged on XX/XX/XXXX, and in review and they needed 7 to 10 business days to from when it was received ( presumably XX/XX/XXXX ) to review the case.
XXXX XXXX Called and spoke to agent XXXX - I was told the review was not completed yet and to check back on XX/XX/XXXX if I saw no changes to my account.
XXXX XXXX I saw no changes to my account so I called and spoke to Agent XXXX. At this time I was told the case was in fact not reopened until XX/XX/XXXX and that it would be a further 10 to 15 business days before I would see the results of the investigation. At this point, I got very frustrated and asked to speak to a manager. I was told there was no manager and I would receive a call back.
XXXX XXXX A manager returns my call ID : XXXX - The Manager tells me that my case has been reassessed and that we are STILL liable for this fraudulent charges He tells me its because we still had the card in our possession and it was a chip reader charge. At this point I just dont know what to do I pled with him to help. I asked for his supervisor. At this point he says there is no supervisor to speak to and I am liable for the charges. He suggests I write an appeal to the office of the President of the Bank.
We are still pending a response from the office of the President but have lost all hope of these charges being reversed.
This is quite possibly the worst experience I have ever had with any business let alone credit card company. I dont understand why the burden of proof for fraud is on me as the card holder vs. this business to which the charges were applied, which is clearly in on the fraud.
|
| 05/25/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
1. On XX/XX/XXXX, XXXX XXXX XXXX , XXXX . contacted me ( XXXX XXXX ) in a form of latter attempting to collect a consumer debt in amount of {$2700.00}.
2. On XX/XX/XXXX I requested validation of alleged debt.
3. On XX/XX/XXXX. XXXX XXXX XXXX , XXXX . responded to my request with inadequate evidence to validate alleged claim. Plaintiff failed to produce as requested : a. ) contract agreement or promissory note bearing defendants signature on it.
b. ) provide copy of assignment to XXXX XXXX XXXX. XXXX right to collect alleged debt.
c. ) state whether alleged account is assigned to XXXX XXXX XXXX. XXXX. or its been purchased from the original creditor.
d. ) provide the reasons why XXXX XXXX XXXX. XXXX. could not produce as requested information.
4. On XX/XX/XXXX I received Citation ( Debt Claim Case ) CASE NO. XXXX 5. On XX/XX/XXXX, I called original creditor Barclays Bank Delaware. Call was answered by Barclays Bank Delaware Relationships Manager who named himself as XXXX. I stated the fact that I have been contacted by multiple collector and I need to validate who has been assigned to collect debt. Since, I received Citation from XXXX XXXX XXXX XXXX, I specifically point out XXXX XXXX XXXX. XXXX. as assignee to collect debt and one who represent Barclay Bank Delaware in this case. Relationship Manager stated that he does not see any reference to the XXXX XXXX XXXX. XXXX.. Relationship Manager stated that he does not have any other information on account balance or any other details on alleged account as account was transferred/sold off to third party collector but he did not have any reference to XXXX XXXX XXXX and they do not know who XXXX XXXX XXXX is. In fact, account manage stated that I should be aware of collectors who fraudulently trying to collect debt.
6. The same day, on XX/XX/XXXX, at XXXX XXXX I call XXXX XXXX XXXX XXXXXXXX and call was answered by one of the representatives. I told her the facts about Barclays Bank Delaware does not know anything about being represented by XXXX XXXX XXXX XXXX for alleged debt, representatives was a bit surprised but could not confirm so she offered to me to be transferred to another representative named XXXX XXXX. After waiting for few minutes, XXXX got on call and I stated facts again what Barclay Bank Delaware Relationship Manager told me as he did not see any reference or any information on legal representation or collection efforts or assignment to XXXX XXXX XXXX XXXX. During discussion, XXXX dismissed such statement but could not provide evidence or confirm representation of XXXX XXXX XXXX XXXX for alleged client Plaintiff Barclay Bank Delaware with tangible evidence. At that point XXXX suggested that she will go back and contact her client and get back to me. I explicitly give her permission to call me directly on my mobile as well as to leave message if Im not available. She asked me to record phone number from which they will be calling me XXXX so I know who is calling.
7. As of Friday, XX/XX/XXXX I have not hear back from the XXXX XXXX or anybody from XXXX XXXX XXXX XXXXXXXX.
8. Since I have not heard back from XXXX XXXX XXXX or XXXX XXXX, I reach out again to Barclay Bank Delaware again. Second call was placed XX/XX/XXXX. Again, talk to account manager and she told me account is sold to third party collector, they could not take any payment and they are not aware of any Law firm representing them in this case. This time I requested statement in writing stating that account has been transferred/sold off and who is new account owner. Account Manager stated that she have requested letter and it will take 7-10 business days to receive it. As of Friday, XX/XX/XXXX I have not received any statement. Please note, this time our discussion is been recorded and audio evidence available upon request.
As of today Friday, XX/XX/XXXX, Barclays Bank Delaware did not sent/produce written document of account status and ownership, yet refusing to accept payment for account in debt.
Based on information provided by Account Manager, Im not able to make or arrange any payment regardless of outcome of the case without establish ownership of the account. In order to make payment, I need to find out who is actual owner of the account. This is reasonable request in order to determine actual owner and whom payment will be sent.
Im without information or knowledge sufficient to form an opinion as to the truth or accuracy of XXXX XXXX XXXX XXXX I have serious reservation about XXXX XXXX XXXX XXXX posing as representation of the Plaintiff when in fact Barclay Bank Delaware have no records for such representation. If adequate evidence for legal representation and/or collection assignment to XXXX XXXX XXXX XXXX to collect debt for Barclay Bank Delaware is not produced this case is nothing but fraud.
Original Credit Barclay Bank Delaware is Plaintiff in Case yet its unwilling to accept payment for the debt. This suggest that account is owned by third part, however third party does not want to be named or identify within legal proceedings. This is wrong and has great implication on consumer post judgment whatever outcome is.
Thank you.
|
| 06/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I saw suspicious charges on my Barclay's/Frontier Mastercard so paid off the balance and cancelled the card on XX/XX/2019 which was processed on XX/XX/2019 ( See Exhibit A ) However, as I discovered today, the credit card company allowed an auto payment to XXXX XXXX be charged two days after I cancelled the card on XX/XX/2019 ( See Exhibit A ).
I did not know that the company allowed automatic payment charges to be applied after cards are cancelled and NO notice was sent to me that a separate charge to XXXX had been made after the date of the card cancellation. So without any notice that the payment had been charged I had no idea that I owed anything. I had not used the card number to make any charges and had paid the balance in full when I cancelled the card.
A couple of weeks later I received the new card but didn't activate it or use it therefore had no reason to believe I owed anything on the card. I did not receive a XXXX statement, possibly because we moved and have not been receiving all of our mail ) and no on-line statement was sent. So on XX/XX/XXXX when I received an email notice that my payment was late I was confused. I went on-line and found a statement without any transaction charges, only a summary of late fees, no transactions were noted. It showed a balance of {$29.00} ( See Exhibit B ) On XX/XX/2019 I wrote to Barclays/Frontier Master Card and explained that I had paid the balance in full and made no other charges. ( Exhibit C page 2 ) I asked for a phone number to speak with someone.
On XX/XX/2019 I received a response telling me to call a number or use the on-line option looking under Activity & Statements and chose, 'Posted Transactions '. ( See Exhibit C pg.1 ) The information again verified that I owed only late fees but not what the fees were for and that there were no purchases or transactions on the card for that month. ( Exhibit B ) I also looked at the previous statement for XXXX and found that I had paid {$1400.00} and had only had {$1100.00} in charges ... .so I should have had a credit for that month of {$230.00}, not a balance owed at all. ( See Exhibit A pg.2 ) Today, to follow up, I called the number and asked for an explanation and while speaking with the representative it was revealed to me that the charge from XXXX made after I cancelled the card was the reason. I was told that they have a right to make auto payments after a card is cancelled and that I am expected to know that even though a supplemental bill was not sent, nor was any notification sent to me that there was an additional charge after the cancellation. They didn't think it was significant that the charge was not noted on the XXXX statement as a carryover, and they themselves had trouble explaining it until they studied the billing from the previous month.
Even knowing that it was a flaw in their own system that caused the confusion and lack of notification to me, they refused to remove the negative mark against my credit and told me I had to deal directly with the credit bureaus to see if they would do anything about it.
Only when I insisted that they give me information on how to reach someone at Barclays/Frontier did they give me a mailing address to reach someone in their company. They refused to give me a phone number nor an email address so that I could expedite the complaint and get a resolution quickly.
The parties that I dealt with at Barclay's/Frontier were XXXX , employee # XXXX, XXXX, employee XXXX XXXX and Operator ID # XXXX. I was told by XXXX that I could go no higher than him to find a resolution unless I wrote a letter to a second address. He also refused to give me an email address or phone number so I could correspond immediately and find a quick resolution.
Currently I am trying to refinance my home and this negative mark on my credit may prevent me from obtaining a good interest rate of may disqualify me from getting a loan at all as it appears that I am having problems paying my bills. I ask that you help me find a quick resolution to this problem. This flaw in their system, lack of notification and lack of information has created a problem for me that will result in years of higher interest on my loan. I believe that these companies should be held accountable for informing their customers that they will continue to allow charges on closed accounts. I also believe they should be responsible for sending notices or supplemental billings to inform customers that there are new charges that need to be paid from the old billing cycle before the payments become late and incur charges and result in negative credit reports on their customers ... even though the XXXX statement did not show any new transactions and didn't note an unpaid balance or carryover from the previous statement ( as you can see in Exhibit B ) so I was kept in the dark about owing anything and thought it was some kind of mistake in there computer system.
Lastly, I would like to receive any credit that is due to me for the overpayment I made during the month of XXXX in the approximate amount of {$230.00} as well as the fees I was charged in the amount of approximately {$29.00}. Thank you.
|
| 08/18/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2022, I had made a call to XXXX XXXX Customer Service # XXXX at XXXXXXXX XXXX, regarding a charge for the amount of {$380.00} made on a credit card that I never received in the mail ( replacement card ). I was aware that XXXX XXXXXXXX was switching from XXXXXXXX XXXX to Barclays sometime in mid XXXX and that every customer should expect to get a new credit card ; however, I never received my new card in the mail. I hardly use the credit card anymore that I forgot that one was supposed to be mailed to me until I got a statement from XXXX XXXX showing a charge I did not make on the new card I was supposed to get. When talking to the customer service rep she informed me there was a transaction that was conducted on Monday, XX/XX/2022, for {$380.00} at the XXXX XXXX XXXX. I informed her that I didnt make the purchase and that I have yet to receive the new card. I also informed her that I was sick due to testing positive for COVID and that I was also pregnant and that I clearly remember what I was doing on the days of XX/XX/XXXX through 2 weeks later, as my now husband and I were out of work at home sick. She states that a new card would be order and I spoke with the person that was ordering that new card. She also told me that she would help me get setup on the Barclays app since I wasnt able to be for to make a payment on items I purchase back on XX/XX/2022 ( last authorized items ), since I had no new card number or account number with Barclays. My payment of {$16.00} was late for that reason of me not having access to pay online or through app. Once, I was all setup through the app, the representative had me speak with someone else regarding the unauthorized item. That person asked me if I recognized a transaction for about {$190.00} and I told her that I did not recognize it. I asked the First lady helping me why she didnt mention the {$190.00} charge and she stated that she does not see a charge for that amount and only for the {$380.00}. I stated the dispute of the {$380.00} through the Barclays app with the help of the customer service rep and informed her there was in fact a charge of {$190.00} but not {$380.00}, so I disputed both items as I did not make them. Before hanging up, I was informed that a case would be opened and the items would be investigated.
On XX/XX/2022, I received a call from Barclays ( I thought the call would be about the transactions disputed as I was told someone would call me ) and it was a representative asking if everything was okay as they noticed I havent made a payment. I explained to that gentleman everything that happened when I first called. He said that he would have to transfer me to the dispute department ; however, that person spoke for one second and then hung up. I called the customer center again and told him where I needed to be transferred. Before transferring me he spent a couple minutes explaining to me the difference between dispute department and fraud department, which I am aware what the difference is and was just telling him where I was last transferred to. After reaching the fraud department, I again explained what happened and they said that they needed to transfer me to collects department as now the items were being handled with them as I was late on payments. Once speaking to the fraud agent, she informed me that the person who transferred from fraud department told her I wanted to make a payment, which is NOT what came out of my mouth. I told him I will not be making a payment on items I did not authorized and I have disputed. Fraud agent then told me that she needed to speak with the investigating department after I explain everything to her about the authorized items. Once she got the investigation agent on the phone the call cut out again. I had to call back again and I asked to be transferred to the fraud department to the last person I was speaking to but that didnt happen. I got a new person that I needed to explain things to again!!!! The new person informed me that the card I was supposed to receive in the mail in mid XXXX was activated as of XX/XX/XXXX, which I told her was not by me. Never once did anyone mention that since a card was activated in my name that I would need to file a identity theft report! Also, how could I of made a card purchase with a new card that I NEVER had in my hands???? She then told me that the case that was opened back in XXXX was closed due to being past the investigation date, so thats why it was never handled probably. Before, ending the call she told me that the item would be disputed and a case would be open. Also, one department stated they only saw the {$380.00} charge and another told me they only saw a {$190.00} charge, so I am very confused as to why people see different things and tell me differently.
Also, one my account was unrestricted. Why, if there were fraudulent charges?
Two, did they close out the card that was used or did they send me the same card number?
The issue has not be resolved and I was threaten with the items being sent to collections. The account is still receiving late charges and I dont want it to affect my credit score.
|
| 06/18/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I opened a Barclays XXXX Reward Card a few years ago. I did the 14th month payment plan with 0 interest to buy an XXXX product and did autopay so my account balance was paid in full every month. No issues. This was in XX/XX/XXXX.
In XX/XX/XXXX Barclays offered me the same promotion. I was going to use it to buy a new Apple product. They said they sent me a new card in XX/XX/XXXX. I never received the card.
I contacted them 4-5 times in the month of XX/XX/XXXX and in XX/XX/XXXX. In XX/XX/XXXX I contacted them to tell them I had not received the card. They then told me it may take another week. I still hadn't received it. I then received a notification that a balance was due for the shipping of the card. I attempted to pay over the phone but I was told that I would need my card to pay. I told them I hadn't received my card. They said they couldn't provide my account number over the phone so I would not be able to pay over the phone. I also could not pay online because paying online requires having the card information.
Customer Service said I would be contacted within 24-48 hours by a manager. I was not contacted. They refused to remove the charges. Then it was XX/XX/XXXX I called again saying I had no access to my account and a balance I wanted to resolve. Customer Service had me speak to the manager who said they could not remove the shipping fee for the card and the late fee. I also asked them to give me the tracking number for the card and they said they could not provide that to me.
Because of this, my credit score dropped 20+ points. I have NEVER been late on a payment on any card or loan. I am financially responsible. I am not in a position to be irresponsible.
I contacted them again and finally, Customer Service agreed to waive the fees once I told them I was going to report them.
They said they were going to mail me proof of my XXXX balance. They did not. This was confirmed by the customer service representative I spoke to later. She said nothing was mailed. She said I could see my balance online and I told her I didn't have access to my account because I still hadn't received my card. I requested another card be sent to me so I could access my account and verify my XXXX balance. She said she was going to send me a duplicate and I asked her to send me a new card with different numbers. She said she couldn't because there was an issue with my account. She then forwarded me to the Barclay 's Security Team who said it was a security issue. The Security Team went through a number of security questions to verify that I am me. They told me my account was closed yesterday due to inactivity even though they had charged my account less than a month ago. I had not received any notice prior to this phone call on XX/XX/XXXX of my account being closed. When asked to receive verification of this they said they would mail me a letter but could not confirm this through email. They said I could check my online account and I reminded them I could not because I never received my card.
I was then forwarded to the Credit Department. I was told by the Security Team that the credit department can send out a letter to the Credit Bureau to correct their mistake. The Credit Department told me I could dispute this with the Credit Bureau. I told them I already am and I am also going to report them because they did not resend me a card, allow me access to my account, send me information regarding the balance in the mail or by email and they gave me the run around when nobody would help me resolve this issue for months. They said this is because I have a paperless account. I don't have access to my online account so I don't understand how that is possible.
Today they had me speak to a supervisor who they said would certainly resolve my issue. After almost 2 hours on the phone with Barclays without interruption, they hung up on me, they said the call was dropped. I maintained professionalism throughout each phone call.
I called back and was able to speak to a manager for the XXXX Rewards Card named XXXX. XXXX sent me an email statement finally confirming that my account had been credited. I had a XXXX balance. But she said she could not send me confirmation that my account had been closed. I also asked her if she was going to contact the Credit Bureau to inform them of their mistake. She said I had to write a letter to Barclays Dispute Team. I asked her to email me the address she said she could not email it to me. This was the address she gave me over the phone.
FCRA Credit Bureau Disputes XXXX XXXX XXXX XXXX, Delaware XXXX In short, they charged me shipping fees for a card I never received, which turned into late fees. They did not allow me access to my account without this card so I could not pay fees even over the phone because they said I did not have my Barclay card information. The customer service department could not provide me with proof of my balance by email ( said they would mail me a letter twice, but Customer Service confirmed that was never done ). They did not notify me of my account closing until today. All of this caused my credit score to drop.
|
| 02/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Re : Barclays Fraud Case # XXXX On XX/XX/2019 at XXXX, through text I received a fraud alert message from Barclays notifying me of a suspicious credit card transaction of {$380.00} made on XX/XX/XXXX. At XXXX, I responded via text that the transaction was not valid since I had not purchased anything at this location nor was familiar with the retailer.
The following morning, I received a call from Barclays notifying me of several smaller transactions also made on that date that I did not make ( Refer to Appendix A for listing of all the contested charges ). During the conversation, the representative asked me if I had possession of my credit card and advised I did and did not understand how my credit card was compromised. The representative advised that they would do an investigation and get back to me.
On XX/XX/XXXX, I received a call from a Barclays representative advising that I was responsible for the charges since I still had my credit card in my possession. I advised the representative that I did not make those purchases and asked what evidence they had identifying that I was the one that made the purchases. She advised that because the card has a pin and chip and I had the card in my possession that was sufficient. I specifically asked her if they had any information or videos provided by the retailers to evidence how and who made the purchase. The representative advised that they had not contacted the retailers to investigate. I advised the representative how could they have done a proper investigation without first speaking and obtaining evidence from the retailers. She then proceeded to give me the vendors ( XXXX ) number so I can inquire with them directly as to who and how the purchase was made. I advised her that it was Barclays that needed to call the retailer to investigate the matter not me. She then put me on hold, called XXXX retailer and asked if they could investigate the matter. The gentleman advised that he would refer the matter to their head office and get back to Barclays.
Since I had not heard back from Barclays since the last call, on XX/XX/2019, I called Barclays at XXXX to get an update on the matter. I was transferred to fraud Investigations department and waited almost an hour and received no answer from a Barclays representative.
On same day, I called Barclays at XXXX and the representative ( XXXX ) advised they did not have a case opened for my matter since the case had been closed. He then proceeded to re-open the case # XXXX for me since a case not was not found in their system.
On XX/XX/XXXX, I checked my mail and found a letter from Barclays advising that their investigation determined that I was responsible for the charges and the case was closed.
On XX/XX/XXXX, I called the Barclays fraud group to advise them again that I did not make those purchases and requested to see information they had to conclude this. I requested to speak to a manager and was advised that the issue would be referred to a manager to investigate and get back to me. A manager did not get back to me.
On XX/XX/XXXX, I called Barclays and spoke to a representative XXXX ( ID XXXX ) and he advised that he would refer the issue to the Fraud/Security department so the case could be re-opened and for me to fax them. I advised XXXX that I would pay the last transaction I made ( {$11.00} on XX/XX/XXXX ) and would refer this issue to the CFPB to help me with this matter since Barclay has not investigated the matter.
Barclays stance is that I had possession of my card, but my having possession does not mean that my credit card was not compromised. Although the card chip-based, it is not 100 % foolproof against fraud such as card-sniffing, card-skimming or other fraudulent techniques. Additionally, you could tell by the way the purchases were made, that the fraud actor tested by making smaller purchases and then proceeding to make larger ones until Barclays system detected anomalous activity. Especially given, I dont frequently use this card as it is not my primary card and generally usually used for business purposes and have not ever been to any of the retailers.
Barclays is yet to prove : 1. Evidence ( s ) that I made these purchases in person?
2. Did all the merchants involved with these fraudulent charges have EMV-compliant systems or have a defective point of sale system when these transactions occurred? Were these purchases made by swipe? Was card cloned?
3. Did any of the merchants where I made a prior purchase not have EMV-compliant systems or have a defective point of sale system when I made purchases? Were any purchases made by swipe?
Unfortunately, due to travel and illness, I could not fax Barclays on XX/XX/XXXX, but am doing so today. Note that I have yet to receive a response from Barclays on the matter after speaking to the last representative.
I need this issue resolved as soon as possible.
Thanks.
XXXX XXXX XXXX Appendix A XX/XX/XXXX XXXX XXXX # XXXX XXXX {$11.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$92.00} XX/XX/XXXX XXXX XXXX XXXX XXXXNC {$160.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXNC {$380.00}
|
| 03/13/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I have found this consumer protection website while researching the internet fraud and I wanted to raise an issue to the attention of this agency. Last year I had a depressing year after finding many many transactions not authorized by myself or my authorized user all across a 3 month period on my statements once I began to see a significant increase in my monthly statements due. sorry, I dont meticulously watch every transaction each month and I spend a lot some months and less other so it went under my radar. I am just simply shocked and frustrated that Barclay has not called me back after I disputed these transactions months ago!
I spoke to 3 agents while on the phone for hours and had my authorized users card closed and mine replaced for security. I went thru 2 fraud departments between my two credit cards with Barclay one by one listing the fraudulent charges, mostly foreign ones. After nearly 2 hours on the phone documenting everything with multiple agents I made sure the investigation was initiated and I was told it was and I was told I would receive mail regarding this and confirming the dispute and also phone calls with further questions and eventually a phone call to discuss the outcome and how my accounts would be credited and yet I have NEVER received a single piece of letter in the mail or a single phone call from anyone at Barclay regarding either my rewards card or my XXXX card. I love my Barclay cards and these are the ONLY cards I use and I am so disappointed and I feel like they have abandoned me, my issue and are simply hoping I don't say anything so that the insane amount of fraudulent transactions and foreign transaction fees stay as they were as opposed to rightly refunded to me. I am in XXXX XXXX and I have so much anxiety because I have had no resolution, refund or communication from Barclays.
I called a few times with no luck getting in touch with the departments responsible. Once I was told the department was closed because it was a weekend and another time I called and was transferred to the fraud/dispute department and had to hang up after being on hold for over 47 minutes!
I truly feel scared that my money is not going to be refunded to me and I am still paying astronomical interest on these fraudulent transactions and it has been so hard! The worst part is that my credit is extremely damaged by this because it is over {$11000.00} in charges, fees and added interest. My debt is so high because of this that it tanked my credit score and the balances are so high that my FICO shows I am at extremely high usage which also hurt my score. I just dont understand how and why they have not followed up me or have not cleared the 8 transactions I went over with them. I was told that two were accidentally certified somehow and even though I am sad that I cant include those I understand. But, I would like for those to be included as well because authorized users cards and information was compromised and we are not sure how these transactions became verified and can not confirm by whom. I was told by the XXXX side of things that since the cards were closed it would be tricky to reverse the transactions on the cards because they no longer exists but I cant imagine what the hold up is because I am still a customer, I continue to make payments and the balances are still there on the new cards. Why not reverse them there? I am reluctant to pay large payments because it is not my responsibility to pay for these fraudulent charges and yet here I am paying them each month. Please, can someone help me!? I once received a call and I felt like I was on 3 way with a man and a woman. A man called me but before I said Hello I heard a woman speaking to him. I dont understand why but I feel as though this was a set up and I felt cornered and I had no clue what this person was talking about. This person spoke my name and talked about knowing me and me having an account with his company. I asked that man where he got my number and he he had no answer. I asked how he knew my name and still nothing. I asked him to leave me alone and never call me back. Did someone at Barclay give this person my information and ask them to call me and question me? How did this person know me? What was his business and what are all of these bogus electronics store and car part transactions form over sees? My concern is that these transactions are fraud, fake business and unusual transactions codes. I googled each and every one of them and all ways pointed to frauds and scams. Obviously these are not accurate and fake and I would expect Barclays to have NO issue getting their money back from these scam terminals in XXXX, so why am I suffering!? Why am I being ignored and my rights to dispute and an investigation ignored? literally it has been over 9 months already and NOTHING! As if nothing was ever disputed! Please PLEASEEEE reverse these fraudulent charges! Please I want the CFPB to have access to my phone calls where I spoke for hours with your fraud departments and listed and discussed each and every charge. I am so worried
|
| 08/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
1. On XX/XX/2021, I was on vacation in XXXX, XXXX with my sister, shopping in the XXXX XXXX. At XXXX EST, I received a call from Barclays that an authorization for {$4300.00} had been flagged as fraud. I told the representative that I did not make the purchase. He said he would flag the charge as fraud and issue me a new card.
2. On Friday, XX/XX/2021, I received a letter from Barclays saying they had completed an investigation and found the activity valid. I contacted Barclays Fraud on Monday morning, XX/XX/XXXX to contest the findings. I was told the activity was valid simply " because the chip from the card was used at time a purchase. '' There was no further investigation conducted by Barclays.
3. I reiterated that the charge was fraudulent and wanted my continued dispute annotated in my complaint. I requested the merchant name, type of business, address and phone number from Barclays. First, I had never heard of the merchant. Second, the merchant was described as retail.
In my own investigation, the number provided by Barclays was not retail, but linked to the XXXX XXXX of the XXXXXXXX XXXX XXXXXXXX XXXX. When I contacted the merchant, the employee said that the library does not conduct sales.
When I XXXX the address provided by Barclays, it was in an area of XXXX I had not visited. In fact, at the time of the transition, I was 6-8 blocks away from the supposed point-of-transaction. I have a statement indicating I was at a different shop at the time of purchase, and could not have been in the location of the merchant. Furthermore, the phone number did not match the merchant based on the address provided by Barclays. How can a consumer be expected to investigate their own claim, when the card issuer provides poor, erroneous, or unverified information to the consumer -- then makes the consumer try and put the pieces together.
4. On XX/XX/2021, I sent a letter to Barclays outlining what I had discovered. After seven days I had still received no response from Barclays.
5. On XX/XX/2021, I contacted Barclays. The fraud associate reiterated that Barclays found the activity valid and I was responsible for the charge. There was no mention of the follow-up material I sent for review. After 20 minutes on the call, the associate finally relented to forward the information I sent for a higher-level review. When I highlighted the discrepancies in the information provided to me by Barclays the associate expressed a number of excuses as to why the information did not match, but reiterated, because a chip was used, the charge was valid and I responsible for the amount, including interest, late fees and charges. Frankly, I should NOT be liable for any of the aforementioned charges as long as the dispute is ongoing. Furthermore, Barclays has shrugged off it's responsibility to provide a accurate and legitimate business name, contact number and address of the point-of-sale/transaction.
6. During my call with Barclays on XX/XX/2021, I asked that they request from the merchant and provide a receipt of the transaction. The associate said " no '' and that they were not required to do so for fraud. However, if I wanted to change my claim from fraud to a dispute, the dispute resolution department " may '' ( not that they will ) be able to obtain a receipt of the transaction. However, if I changed from fraud to a dispute, I would thus be admitting the transition was mine. Furthermore, I could not later claim fraud. While I expect due diligence in respect to Barclays conducting an investigation, the company provides so many barriers for me to conduct an investigation, it's frankly impossible to do so, especially when provided erroneous information n the merchant.
-- I am adamant that the amount of {$4300.00} is a fraudulent charge.
-- I have a statement that I was in a different shop at the time of the Barclays call and fraud occurrence, based on information provided by Barclays.
-- A consumer can not be reasonable expected to conduct an investigation, in a foreign country, with poor, incorrect and/or erroneous information from the card issuer.
-- Simply because a chip was used does not mean the charge is valid. A number of recent reports and studies have indicated how a chip can be duplicated.
-- Refusing to contact the merchant and provide a sales receipt is disingenuous.
-- While the dispute is ongoing, the charge should be removed from my credit card, including interest and fees.
-- Finally, when Barclays called me about the fraudulent charge ( at the exact time the fraud occurred ), why was it not blocked? When I said the charge was fraudulent, why was the authorization not cancelled? My experience with XXXX and XXXX XXXX, is when a charge is flagged as fraud, the charge is denied until the consumer either confirms via text, app, web or call. It seems counterproductive to call when a charge is flagged and then allow the authorization to proceed to a final sale/transaction. Especially, when the highest purchase on the card had only been {$200.00} ... {$200.00} to {$4300.00} is a obviously a red flag.
|
| 03/21/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
On the evening of XX/XX/XXXX, I went out for the evening to see friends at a local club, XXXX XXXX. This is an establishment I did frequent often and do not deny that in any way as I had friends who worked there and stopped up to see them from time to time. On the evening of XX/XX/XXXX I did give my XXXX card to the staff to hold for a tab, as they stated my other card, XXXX XXXX Card on file was not going through which I though was insane however not uncommon as for security reasons cards do this from time to time. I can honestly declare that this card was not in my possession at all once I handed it to the bar staff. I had no knowledge of the charges that were being attempted and made on this account. At one point I received a phone call from XXXX asking if I had authorized a XXXX charge which I stated I did not and stated that. When I inquired about this to the staff I was told this was a huge mistake and would be corrected.
The next morning I was literally shocked to find out that XXXX XXXX attempted to charge my two card for almost 95K in charges in 3 hours. You have the doc on file showing a breakdown of these charges that the bar was trying to charge both your company and my XXXX over this timeframe. They actually tried to charge both cards for the same fraudulent amounts numerous times. I mean who even could think that these were valid charges, charging two cards for the same amounts within 2 mins of each other? ( The breakdown of all charges attempted/made that evening shows a picture of what I am referring to ). I received ZERO receipts for any of these charges and the signatures on these receipts are nowhere close to my own. When I found out of these charges I immediately went to XXXX XXXX and demanded proof via receipts and camera footage. They did not have receipts on file even though it was less than 36 hours after the incident. In fact, the receipts I provided to your company took me almost 1 full month to acquire. Every day I was told a different story on why the receipts were not available. I repeat, I NEVER had a receipt in hand for any of these charges. When I finally received these receipts I was relieve as I noticed the signatures were nowhere close to my own and that this obvious fraud would be reversed. I did not receive goods or services for these charges the massive amounts of uncharacteristic charges were for bar staff tips. I mean come on, one charge was for {$9800.00} as a tip for bottled water?!?!? This is so far beyond even being believable by anyone yet it is has been a nightmare to get anyone to listen since, your card is chipped and wasnt reported as stolen per the mail correspondence I received. XXXX was stolen from me in 4 hours time, XXXX through XXXX and XXXX through my XXXXXXXX XXXX by people who did not think I would miss that money or do anything about it. Thank XXXX I reached my limit on my card as they attempted to charge XXXX ( Docs to you also show this amount ). This is probably the best proof I have outside of the fraudulent signatures and fact that the video recordings are non-existent now. If I truly authorized those charges and XXXX of the XXXX was declined, why didnt this establishment kick me out and try to come after the money from both credit card companies and me?!?
Please re-open this investigation. I did not authorize nor spend these funds. I did not have my card in my possession and was denied even getting receipt proof for almost 1 month. I have filed police reports and have attorneys working on this matter however I am asking you to do the right thing and reverse these funds that have stolen from me.
Here is a complete breakdown of charges and time per credit card companies. The charges with the asterisks were attempted and thank XXXX declined by both companies.
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) $ XXXX- XXXX $ XXXX- XXXX * $ XXXX XXXX ** ( declined ) * $ XXXX XXXX ** ( declined ) Total- {$41000.00} XXXX XXXX XXXX ( XX/XX/XXXX - XX/XX/XXXX ) $ XXXXXXXX XXXX $ XXXX- XXXX $ XXXX XXXX $ XXXX- XXXX $ XXXX- XXXX ** $ XXXXXXXX- XXXX ( declined so they charged the other card 3 mins later ) ** $ XXXX XXXX ( declined so they attempted on other card ) $ XXXX- XXXX $ XXXX- XXXX Total- {$52000.00} To be fully clear, I did not authorize ANY of the charges over {$840.00}. The {$840.00} and smaller were valid, ALL charges over that were not valid and charged as tips/non merchandise. No receipts were provided upon demand for almost 1 full month. The signatures were completely forged and nowhere near my own. When large charges were declined, the merchant tried to use another card they had at a bar tab for these charges as you can see from the timeline above. When that did not work they just charged for smaller amounts that were not being flagged by the credit card companies. My credit has now dropped 90points due to both cards being maxed out. We have lost the fraud dispute with both companies who cited since my card is a chipped card and not reported stolen I would be responsible for these charges.
Please contact me at any time for further details
|
| 06/23/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
I submitted an application for my first ever Barclaycard Arrival Plus World Elite Mastercard on XX/XX/2019. I also paid {$15.00} to expedite/overnight the approved card to my home address. Note that I've been an existing Barclaycard customer with a different card for over 4 months now.
I got a standard response saying that my application would be reviewed within 10 days with a response. Not having received a timely response from Barclaycard, I proactively reached out to them asking for an update on my application.
They put me on hold for quite a while before finally telling me that there was an issue with the address provided on my application. They asked me to send copies of 3 different documents ( Social Security Card, Bank Statement with a name and address, Driver 's License ). There were no other special requirements around these documents apart from what's listed.
They insisted that the only acceptable way to send this was by regular postal mail ( email and fax were not discussed as an option despite me asking for them ). Note that this is in the year 2019.
I obliged and sent copies of all 3 documents exactly as requested by post on the XX/XX/XXXX. I have a delivery confirmation from USPS stating that this was delivered to Barclaycard the week of the XX/XX/XXXX. Barclaycard however did NOT process this till they XX/XX/XXXX ( a week from then ) and couldn't even confirm the receipt of my documents that entire week.
On XX/XX/XXXX, I called them only for them to tell me that the bank statement I sent was unacceptable ( despite it clearly showing my full name and the correct address ). This was a statement printed out by a XXXX XXXX Representative in a local bank branch.
Barclaycard claimed that what they were really looking for was a completed computer generated statement ( this was NOT called out earlier ). They insisted that I needed to send in an official statement ( despite having sent one in already ). I was told that it'd be processed within 2-3 business days of receipt.
At this point they informed me that faxing the document was an option ( note that this wasn't an option the first time ). I faxed the document the same day and it was received on the XX/XX/XXXX.
I called them on the XX/XX/XXXX and Barclaycard told me they have NOT received or processed the new documentation and told me that it would instead take 7-10 business days to process this instead.
I called them regularly the week after that to check on the status and finally on the XX/XX/XXXX ( 10 business days after receipt ), they confirmed that the docs were received, my application was approved and that I'd receive the card by Wednesday ( XX/XX/XXXX ). The card did not arrive as scheduled.
I waited till XX/XX/XXXX before calling them where they said that the card was NOT approved and that they still needed MORE address related documentation before they can approve it. First they mentioned they can send in documentation via email and then said I can only send it by mail ( not fax ).
Surprisingly the card arrived by USPS regular speed mail later in the day on XX/XX/XXXX ( despite not sending in the docs for a third time ). I activated the card but still am unable to spend on it because of issues on Barclaycard 's side. I still don't know for certain if the card is valid because I can't reach their customer service team either.
- This has been an extremely harrowing experience for me over the last 6-7 weeks.
- Barclaycard has NOT been proactive at informing me of issues with my application. I had to call them each time taking more than 20 hrs of precious time out of my work days during this period.
- Barclaycard 's document processing capabilities in the year 2019 has been backward and slow.
- Barclaycard 's agents did NOT offer accurate or consistent information about resolving this issue.
- Barclaycard 's agents were not aware of basic details as to how their own systems work or how long a process might take.
- Barclaycard 's agents were unwilling to escalate calls to their supervisors when they didn't have the information themselves - Barclaycard was not keeping any notes about the multitude of interactions they had with me on this single issue over the last several weeks. My pleas to add notes fell on deaf ears.
- Barclaycard agents ' general tone ranged from rude to indifferent.
- Barclaycard did NOT honor the expedited delivery I had explicitly paid for and sent the card to me via regular mail In the year 2019, having a backward technology stack and doling out this sort of despicable treatment to an existing customer in good standing who wanted to give them several thousand dollars of new business is unacceptable.
At this point in the process, I've cried out in frustration and have wanted to give up and cancel the application several times. Any reasonable human being would have lost their patience many times over.
It's not a stretch to imagine how many thousands of customers have been mistreated by poorly trained Barclaycard agents. I pity all of them and call on Barclaycard to make this right at once.
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| 08/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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1. Redelivery of stolen and lost XXXX Rewards Visa Credit Card for Acct XXXX in XXXX XXXXXXXX XXXX MasterCard Credit Card for Acct XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
2. Waive late fee applied XX/XX/XXXX and correct credit report if any changes made because otherwise there are no negative comments on credit report. Such activities support the concerted activities to support not having the log in information to access the online account and requiring speech to be directed to customer service agents in the presence of scammers to retrieve such information at their own convenience, reward theft of relevant mail, and reward involvement of security professionals that harass civilians/ general public in order to achieve such circumstances. Concerted activities are oriented to deter final payment of full refund of all monies owed, fair investigation of such criminal activities, and apology for such criminal activities.
3. Continuous theft of mail prior to delivery by United States Post Office that would include general correspondence, or delay of such mail, especially in the instances of replacement cards. Other activities include theft of later distributed lost mail after removed and seen in USPS box, prior to reentering storage area where such documents are to be kept and stored. Continued activities to create false belief that such illegal activities are of a legitimate business with approval of government law enforcement and city deputies, aside from creating false impression that individual 's recordkeeping must be flawless until next time such activities occur to create raid like shattering of files and removal of relevant receipts to deter recreation or organization of recordkeeping, use of software or online websites for account management, or to continue to receive such activities in reward for presenting work product that someone else with ties to an accountant or auditor, or a representative of the bank itself in some other capacity, can then take credit for maintaining or supervising. All intended false beliefs, including discussions with police engaging in anything other than just receiving reports, i.e. actually responding, also appear as ludicrous as that a well established accounting or auditing firm would regularly manage such activities, including destruction, vandalism and burglary, not theft, as right of entry was never granted through someone with the right to authorize such activities, given that the police were acting as criminal accomplices. When receipts of every transaction were stored, as they continue to be stored, the false pretense was that the BANK or the MERCHANT needed such documentation for their own audit or reconciliation. Other false beliefs created are that neighborhood security groups were acting legally, if they indeed acted, when they broke into houses and stole such documents for their own benefit and not in further resolution for the discrepancies benefitting the BANK and/ or MERCHANT that would be discovered.
4. Continuous reversals of store credit and transferring amounts bank and forth to other financial institutions that were experiencing recurrence of list item no. 1, as stated above, in order to confuse everyone and create confusion or loss of memory, when unsuccessful, misuse of any speaker in a security alarm system with an emergency evacuation feature/ public announcement system was misused to deter XXXX XXXX XXXX XXXX
5. Non responsive to several communications presenting again and again relevant evidence of transactions whose credits were applied and then reversed. Issue occurred multiple times in connection with thefts of hard copies of such correspondence, aside from use of software content filters on different machines to deter locating relevant information, such relevant information was also blocked in public, unlike in other instances where same mechanism was used with the intent to embarrass one for searching for such correspondence in electronic form through mail servers.
6. Debt was carried over to this institution after matter was initially presented to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in its entirety, and such institution did not request such information after it was provided reasonable time to obtain that information from XXXX XXXX or XXXX XXXX to fully refund any monies paid after it was established that over {$420.00} was due back in refunds alone on the XXXX XXXX XXXX XXXX XXXX
7. Make clear, with repeated adequate assurances, that all past communications will be located to reflect the full record of such communications as all were identified, and reports provided on XX/XX/XXXX, addressed order no. XXXX, that was also provided in the past, was not made available due to the criminal activities mentioned, within the letter dated XX/XX/XXXX addressed to XXXX XXXX. All communications made via phone through customer service also communicating such correspondence aside from requesting an update should also receive acknowledgement for the record.
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| 11/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Older American, Servicemember |
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XX/XX/XXXX : Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Barclays Bank ) XX/XX/XXXX : Activated new XXXX XXXX : First charge with new XXXX ( {$18.00} ) XX/XX/XXXX : Email notification of ( XXXX ) XXXX statement available online XX/XX/XXXX : Opened monthly XXXX statement onlineDISCOVERED {$21000.00} XXXX Balance {$20000.00}. transfer to Bank XXXX XXXX on XXXX plus {$1000.00}. bank transfer fee.
***NOTE : I did not initiate the funds transfer, or authorize the funds transfer.
XX/XX/XXXX : Reported fraudulent {$20000.00}. transfer to XXXX to Barclayssurrendered XXXX XXXX ( destroyed ) and blocked all transactions. New replacement XXXX ordered.
XX/XX/XXXX : Activated new XXXX XXXX XXXX XXXX XXXX {$20000.00}. provisional credit for disputed funds transfer to restore use on XXXX XX/XX/XXXX : Called XXXX XXXX XXXX to close Alaska XXXX XXXX XXXX XXXX XXXX XXXXCustomer Services Representative XXXX.
Discovered a balance of {$18000.00} credit in the accountand a {$20000.00}. funds transfer from Barclays Bank on XXXX.
I told XXXX that the transfer was a fraudulent transactionthat I had reported the disputed transfer to Barclaysand I asked BOA to reverse the transferand call Barclays Bank Investigations division to help resolve the case.
XXXX said that bank to bank cooperation to resolve the dispute was not possibleshe persuaded me to authorize the transfer of the {$18000.00} credit in the closed XXXX account to my personal bank.
XXXX : I verified with XXXX XXXX our entire conversation was recorded! and from this time forward, I asked for and received assurance that all conversations with Barclays Bank were recordedand were required to be recorded!
XX/XX/XXXX : I called Barclays Bank Investigations division and told them that I discovered that the BOA account that was sent the {$20000.00}. transfer from my Barclays XXXX account belonged to me.
***NOTE : I did not initiate the funds transfer, or authorize the funds transfer.
Barclays had no interest in my attempted help or added information for their investigation?!
XX/XX/XXXX : Received {$1000.00}. provisional credit for the {$1000.00}. bank transfer fee debit.
XX/XX/XXXX : Barclays concluded their dispute / fraud investigationfinding that the transfer activity was validand reinstated the {$20000.00}. transfer debit and the {$1000.00}. bank transfer fee debit. Barclays Bank did not clarify what generated the funds transfer?!
XX/XX/XXXX : I called Barclays Bank XXXX division and spoke with a representative named XXXX said that the case was closed and XXXX could not discuss it. I asked to be transferred to a managerand the person was XXXX. I discussed my frustration with the closing of the investigation with XXXX she gave me the option to write a request to re-open the investigationand the Barclays Bank address to send my letter to.
XX/XX/XXXX : I wrote and mailed a letter to Barclays/ Investigations requesting that my fraud investigation be re-opened.
XX/XX/XXXX : No reply to my letter from Barclays. I verified with Barclays Bank that all of my outstanding XXXX charges were paid in full and I closed my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a balance remaining that was the disputed {$20000.00}. transfer to XXXX, the {$1000.00}. Barclays Bank transfer fee, and interest and fees in connection with the disputed transaction.
XX/XX/XXXX : I called Barclays Bank XXXX division and spoke with a representative to ask about my letter that I sent on XX/XX/XXXX to request they re-open the case because the determination of the initiation of the disputed funds transfer was not identified in the investigation. The representative verified that my letter was received, and there would be no reply to my letter because the case was closed. I was referred to Barclays Bank customer service if I wanted to pursue any assistance.
XX/XX/XXXX : I spoke with a Barclays Bank customer service XXXX, XXXX # XXXX, and she was able ( after escalating the approval of resolving the dispute ) to resolve my dispute through my transfer of {$20000.00}. to my closed Barclays Bank XXXX account XXXX and removing all of the bank charges and fees resulting from the XX/XX/XXXX {$20000.00}. funds transfer to BOA and associated charges placed on my account. I approved the agreement to resolve the dispute with XXXX ; and I provided XXXX with my required personal bank account information for the {$20000.00}. funds transfer.
XX/XX/XXXX : The transferred {$20000.00}. from my personal bank to Barclays Bank XXXX account XXXX was completed and posted on my closed XXXX account.
XX/XX/XXXX : Barclays Bank did not remove the {$1000.00}. transfer fee, nor have all of the bank charges and fees been removed per my agreement to resolve the dispute with Barclays Bank on XX/XX/XXXX.
XX/XX/XXXX : I called Barclays Bank customer service and spoke with a representative XXXX XXXX # XXXX she verified that her records show that the XXXX account balance is 0and that the online account information has not posted the resolved dispute credits.
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| 10/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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|
Web |
|
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Today if I may, I want to speak with you about a growing concern I have. With how the creditor Barclays Bank Delaware continue to violate my rights I have under the Fair Credit Report Act. I have been continuously fighting with this creditor about errors and inaccuracies with account information provided on my credit reports that I want corrected.
The creditor Barclays Bank Delaware continue to refuse to follow the guidelines provided by the Consumer Financial Protection Bureau and the CARES ACT during the Covid19 pandemic. In XXXX, the Consumer Financial Protection Bureau released a policy statement outlining the responsibility of credit reporting companies and furnishers during the Covid-19 pandemic. When Congress passed the CARES Act, it required lenders to provide struggling borrowers payment " accommodations. '' In the CFPB statement it warned lenders they must comply with the CARES Act. Which requires lenders to continue to report to the credit bureaus that consumers are current on their loans and paying as agreed " if consumers have sought relief from their lenders due to the pandemic. '' It also requires lenders to report " Accurate information '' to credit bureaus relating to the relief.
However, creditors like Barclays Bank have failed miserably at abiding by the laws of the FCRA Act. I would like to bring to your attention one of my creditors, Barclays Bank Delaware, failing to conduct " reasonable investigations '' into my disputes about errors on my reports. I have two now charged off accounts with Barclays Bank Delaware. In XXXX of XXXX, I contacted the creditor asked for and received a Covid-19 payment relief accommodation. I know your first question is whether I was given any documentation? However, my creditors never gave any documentation about approvals for the Covid-19 relief program. I was always told it would be noted internally and the information " Pays as Agreed '' would be submitted monthly to the credit bureaus. To prove that point, I called and spoke to one of XXXX 's representatives XXXX XXXX.
I called Barclays Bank ; it was my intent to request a letter verifying the XXXX relief program I was in. I spoke with rep " XXXX, '' He confirmed with his supervisor Barclays do not send out confirmation letters. He and his supervisor stated it was an internally noted thing due to the XXXX crisis that they enrolled consumers in the program. He further stated the notation is in their system. The rep stated that the program was only for three months. However, this is not accurate either according to Barclays records, my credit reports, and the guidelines of the CARES Act. Per the review of my XXXX, XXXX, and XXXX credit reports, they all have the same payment information records for Barclays Bank Delaware. My last payment was " XX/XX/XXXX. '' However, from XXXX to XX/XX/XXXX, payment information was submitted to the credit bureaus " Pays as Agreed. '' My point is, regardless of whether Barclays is stating the relief program I was enrolled in was 3, 6 or 12 months. Bottom line is I was enrolled in one of their Covid-19 relief programs for accommodations. My dispute with this creditor has been that I was approved for one of theirrelief programs, I never missed a payment prior to my enrollment, and I asked the creditor to investigate, verify the accommodation and submit accurate information back to the bureaus. If my last payment was XXXX of XXXX, the question becomes who paid or deferred payments for the months XXXX through XXXX? To date, the creditors and the credit bureaus have failed to provide any adequate " reasonable investigation '' into my disputes. Challenges were last sent via electronic disputes to Barclays Bank on XX/XX/XXXX, on XX/XX/XXXX, and on XX/XX/XXXX. To-date, there has been no response to my verification challenges from the credit bureaus or Barclays. Per the rights given to me under the FCRA Act, if information can not be verified it must be deleted.
Another issue I am having with the creditor is their failure to mark my credit accounts appropriately. For example, under the Reinvestigation section of my credit reports, it states, " This item was updated from our processing of your dispute in XX/XX/XXXX '' However, per the conversation between Barclay rep and I XX/XX/XXXX, at that time you can hear me ask the rep when my last dispute was received? Per the rep XXXX, my last dispute was received by Barclay in XX/XX/XXXX. I have submitted several disputes since then in XXXX. To date Barclays Bank has ever acknowledged my disputes or sent any written responses.
Barclays Bank 'Delaware has continued to violate my right under the Fair Credit Reporting Act? For failing to update records, failure to follow guidelines for settling disputes, furnishing, and reporting inaccurate information, failure to furnish accurate information, failing to follow proper investigation procedures, Creditors giving credit reporting agencies inaccurate financial information and withholding notices about their investigations.
|
| 05/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
On XX/XX/2022, there was fraudulent activity on my Barclays credit card in the amount of {$500.00} from XXXX XXXX, XXXX location XXXX CA XXXX. It was an unauthorized purchase. I immediately contacted Barclays card customer service and requested that my credit card be canceled due to fraudulent activity. I received a new credit card and the amount was credited back, however, I received a letter stating the following : " We issued a provisional credit to your account for the full disputed amount on XX/XX/2022 while we investigated this activity. We've completed the investigation and found that the activity is valid. Therefore, the provisional credit has been reversed and the amount owed has been placed back on your account. '' I called Barclays fraud department. They said that the investigation is completed, and they have received documents from the merchant ( XXXX XXXX ), which stated this transaction is valid. I have contacted XXXX XXXX, and they stated that this was fraudulent activity and they would share this information with Barclays and the police if they would like to confirm it. XXXX XXXX said they can provide the IP address and location of the person who did initiate this transaction, the name, and location where the money was received, and the name of the person who received the money : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. They give me two case numbers ( XXXX # XXXX and XXXX # XXXX ) and they said Barclays can call on ph. # XXXX or send an e-mail : to XXXX and they will be provided the full information on this fraud and they know I have nothing to do with it. Also, XXXX XXXX said Barclays never contacted them and they did not send to Barclays any information about this matter.
I called Barclays and they told me to send evidence if I have any and they promised to investigate this again. I sent evidence and the AFFIDAVIT OF FRAUD CLAIMANT by fax and post mail on XX/XX/2022.
There were four e-mails in my mailbox which I submitted as evidence : E-mail # 1 confirmed XXXX XXXX money transfer to XXXX XXXX XXXX ( my mother ) to XXXX with tracking number ( XXXX ) XXXX.
E-mail # 2 was 10 minutes later and confirmed XXXX XXXX money transfer with tracking number ( XXXX ) XXXX was picked up by XXXX XXXX ( XXXX XXXX, XXXX XXXX, XXXX - the location was provided to me on the phone ) E-mail # 3 and e-mail # 4 show that ten minutes later another money transfer transaction was attempted and XXXX XXXX canceled the second money transfer transaction because they acknowledged there was fraudulent activity.
Additionally, I have enclosed evidence of submitting this issue to : Police, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX. XXXX, XX/XX/2022, XXXX XXXX XXXX, ID XXXX, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ; XXXX - XXXX Complaint Referral Form ; Fraud.org Complaint Form ; ReportFraud.ftc.gov Consumer Report to the FTC ; XXXX Case # XXXX ( Fraud Alert ), Case # XXXX ( Dispute ) ; XXXX Case # XXXX.
I did call Barclays over 6 times and always was told to wait for 7 to 10 days and then call them back. They always promise that they will investigate and they will contact XXXX XXXX. However, each time when I call them again I am told again that the investigation is completed and there is no fraudulent activities on my account, but they will investigate it again. Today, I called them again and asked them if they can call XXXX XXXX and receive confirmation from them that this was a fraud and that I did not authorize this purchase. I was told that they can not contact XXXX XXXX because they have limited availability and when I asked that I call XXXX XXXX with them on the line, the representative immediately said no and she would transfer me to another department. When she returned, she said the other investigations department can not assist and I will have to call at another time. They can not possibly determine that there was no fraudulent activity without checking on this matter with XXXX XXXX and why do they say they did receive documents from XXXX XXXX and based their investigation conclusion on it if they never contacted XXXX XXXX, according to XXXX XXXX XXXX?
Barclays stated on their website that if youre a victim of a scam or fraud well refund money taken from your account that youre entitled to. Count on Barclays ' {$0.00} Fraud Liability protection. With our fraud liability coverage, you aren't responsible for unauthorized purchases made with your card that you report to us. It doesn't matter if your card is lost, stolen, or breached - online or offline - you're protected.
This transaction was an unauthorized purchase, XXXX XXXX has all the information needed to conclude that it was a fraud and it was not me who did that. However, Barclays has not contacted XXXX XXXX, is not performing any investigation, and charging me this fraudulent charge and interest fee on top of it, against their statements about the guarantee of protection from liability from fraudulent activities they offer to their customers.
Thank you.
|
| 10/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I am writing to report that one of my financial instutues- Barclay US, has wrongfully submitted information to the credit bureaus that negatively impacted my credit score. Multiple attempts and proofs that this is not correct have been submitted to them but they have not changed their position.
Background : I have been using my checking account ( XXXX XXXX XXXX XXXX XXXX XXXX ) to pay for one of my credit cards ( Barclay US ) the past few months. There was an issue back in XXXX, in which I submitted a payment as I always have ; For some reason, it came back as " UNABLE TO LOCATE EXTERNAL ''. I did not get any notification after this event so I did not check back until a month later, at which point Barclay has flagged that I had an ammount past due for 30 days+. This has resulted in a significant drop in my credit score.
I tried to reach out to Barclay about why it could not locate XXXX for payment. I attempted to do so but the customer service could not give me a reason, and just kept telling me to give them the full routing and account number ( which I have already done in the past ). Barclay refused to change their standing with the credit bureau on this specific report after multiple attempts.
I have proof that the amount was initiated via transactions in Barclay. I sent those to XXXX and they agreed that the issue seems to be a technical one from Barclay, and not from XXXX or from me not starting the transaction. The below portion is from XXXX, I could provide the full email I got from them : " Hello XXXX, Thank you for your reply!
I contacted our ACH Department for you in regards to your inquiry, as they handle all incoming and outgoing ACH transfers, deposits, and payments, and can search transactions according to amount, date, and account number to see if they were received at XXXX, why they may have been rejected, and so forth.
Thanks to you providing a screenshot of your Barclay Card showing your attempted payment to Barclay for {$36.00} on XX/XX/2021, our XXXX Department searched throughout the entire month of XX/XX/2021 for that amount, or any ACH transactions that were connected to your account. No transactions for {$36.00} were requested or received by XXXX XXXX XXXX XXXX whatsoever from Barclay to your account.
Even if Barclay had entered in the wrong account number for you somehow ( despite all your previous transactions to Barclay in the past going through- they have used your correct MICR number in the past, so there is no reason for us to suspect they used the wrong routing or MICR number now as you did not change that information ), XXXX would still have received that request, and would be able to see if we had denied it as well.
Since there was no record of this transaction request within our ACH Department at all, the payment request was most likely never actually sent by Barclay to XXXX. This conclusion is further supported by the fact that, according to the screenshot you provided, you initiated the payment to Barclay for {$36.00} on XX/XX/2021 where it says Payment Received, but then on the same day, XX/XX/2021, it says Unable to Locate External Account.
XX/XX/2021 was a Saturday. As all ACH transactions must be sent from the original institution ( Barclay ) to the Federal Reserve before they are sent on to their receiving institution ( in this case, XXXX ), and the Federal Reserve is closed on Saturdays without exception, XXXX would not have even been able to send notice back to Barclay of any rejection or account not found until Monday XX/XX/2021 at the absolute earliest. The fact that you initiated a payment with Barclay on Saturday XX/XX/2021, and the payment was rejected on the very same day, means that it could not possibly have been sent to XXXX for review at all.
While we can not speak on behalf of Barclay, our ACH Department suggested that Barclay could have had a system error at that time that caused the payment to never have been sent, or some similar issue. It may be worth inquiring about with Barclay.
I do sympathize with you that this has happened, and I wish there was more on our end that we could do for you. At the very least, I am glad to be able to verify with our ACH Department that XXXX never received the payment request in the first place, and that as the payment request was both requested and denied by Barclay on Saturday XX/XX/2021, it would have been impossible for XXXX to have received the payment as the Federal Reserve was closed. Hopefully this confirmation assists you with any future conversations or inquiries you have with Barclay! '' I am hoping that you could help them realize that this technical issue causes an unfair reporting on my account. Please also take into account that they are aware that my use for their card is very minimal : thirty some dollars a month to keep the account open so I can maintain a healthy credit utilization ratio. I manage thousands of dollars of credit in my name every month and I manage them well.
Thanks for your time and consideration.
|
| 08/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
XX/XX/XXXX : My husband and I received a call from this telemarketer, met with XXXX XXXX XXXX, who promised to : Cancel the XXXX Timeshares we owned with all their maintenance yearly costs and give us XXXX points yearly starting in XXXX with RCI XXXX expanded services with $ XXXX Yearly fee. We paid {$13000.00}, which was put on XXXX new Barclay RCI Elite Mastercards, {$7000.00} for my husband and {$6100.00} for me. We paid an additional {$840.00}, billed within 30 days for the XXXX First Year Membership Fee for limited travel. ( see XXXX XXXX XXXX Enrollment Agreement ). This was paid with a separate credit card at a different time.
XX/XX/XXXX : The Timeshare cancellation subcontractor, XXXX group contacted us. We paid an additional {$3900.00}, sent them our timeshares info.and were sent sample cancellation letters to sign and mail at intervals.
XX/XX/XXXX apx : Timeshare for XXXX XXXX XXXX was booked through XXXX XXXX XXXX for XXXX FL XXXX XXXX XXXX value is {$2600.00} ) XX/XX/XXXX Email from XXXX XXXX- notice of contract cancellation with XXXX XXXX XXXX XX/XX/XXXX Collection Letters were received from all three timeshares XX/XX/XXXX I looked through emails, saw the RCI XXXX email cancelling XXXXXXXX XXXX XXXX , called XXXX XXXX who confirmed that I had no XXXX points to use in XXXX, was not eligible to extend the travel, and that their contract with XXXX XXXX XXXX was canceled .
XX/XX/XXXX I called XXXX XXXX, spoke to XXXX XXXX, who transferred me to XXXX XXXX. I asked her about the cancellation with RCI XXXX She said they are in between Travel Agencies, but not to worry, it would be worked out with RCI shortly - it happens every 5-10 years, and it is just a matter of getting it renewed. At that point I reminded her it had already been three months and asked for a refund. She said No, if I get a refund it will have to be through my credit card.
XX/XX/XXXX Called Barclay credit card and filed a dispute, faxed in the letter dated XX/XX/XXXX, a copy of the RCI Member Update email and a copy of the Trust Purchase Proposal with Options Travel. More than half of the balance had been paid off at this time, with {$6000.00} just having been paid in XX/XX/XXXX, paying off my husbands card.
XX/XX/XXXX I called Barclay credit card, who sided with the telemarketer, closed the case and said it was past the time for my card. XXXX also indicated that because it was a large amount, Barclay most likely wouldnt refund it but would be willing to delete the remaining balance on my card. When the letter from Barclay came in the mail, though, Barclay had not deleted my balance. I asked to reopen the case several times, sent in copies of the complete contract, but received the same answer of no, the latest being XX/XX/XXXX XX/XX/XXXX Contacted XXXX XXXX XXXX concerning the collection letters we received and got a response that they work with another company that can repair your credit for more money.
We then asked for a refund.
XX/XX/XXXX Sent a copy of the contract to XXXX Bank Credit Card for a refund of the payment of {$3900.00} to XXXX XXXX XXXX, which was quickly refunded XX/XX/XXXX due to their methods.
XX/XX/XXXX Received letters from Barclay credit card siding with XXXX XXXX XXXX, that The merchant has not violated the terms and conditions of the sale. XXXX XXXXXXXX XXXX sent an almost illegible document and claimed that the XXXX points for XXXX fulfilled the conditions of the {$13000.00} contract. We only received the one week vacation in XXXX valued {$2600.00} max.
XX/XX/XXXX Called and emailed XXXX XXXX Bank who had sent the payments from my account to Barclay credit card and disputed the Barclay charges. After several efforts, I finally got to speak to a Manager who told me that only the credit card company or XXXX XXXX XXXX can refund the charges in this case.
XX/XX/XXXX Contacted XXXX XXXX by email asking for a partial refund. She called and said no, I would have to get it from the credit card company. I sent another email detailing the partial refund requested.and asked for answer by email. She refused.
XX/XX/XXXX Filed a complaint with XXXX TX, Complaint # XXXX.
ftc, and Attorney General XXXX XXXX XX/XX/XXXX Received XXXX XXXX response with XXXX : now offering Interval International XXXX points for XXXX.
XX/XX/XXXX I sent my response to XXXX- unacceptable. We want a refund, {$11000.00} minimum. Offering Interval International is invalid - They dont accept XXXX XXXXXXXX XXXX points. {$13000.00} is unreasonable and fraudulent for one weeks use of a timeshare. They did not set up a renewable timeshare, nor did they cancel the 3 timeshares we had legally.
XX/XX/XXXX Received letter from Barclay saying the time frame is out of the limit for a dispute. However, I disputed the charge within a month of the time I paid {$6000.00} on my husbands card, and shortly after I paid {$5000.00} on my card. I feel that they have been complicit in this fraud.
Thank you for any efforts you expend on our behalf to right this situation.
|
| 08/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I am signed up for paper bills. I did not receive my XXXX Statement ( XX/XX/XXXX - XXXX/XXXX/XXXX ). I did not realize it until I went to pay my XXXX statement and saw that there was both an interest charge and past due balance. I pay the balance due each month so as not to have to pay interest. On XX/XX/XXXX I called Barclays XXXX XXXX XXXX XXXX and explained the situation. They reviewed my history and agreed to reverse both the interest and late fee. Although my payment was not due until XX/XX/XXXX, I asked the agent if it would be better to pay over the phone to make sure everything was resolved so I would be back to a " XXXX '' balance. She agreed and took the total balance due ( {$2100.00} ) subtracted the {$40.00} interest and {$29.00} late fee and said I owed {$2000.00} and I gave her my checking account information to pay immediately.
My next statement, for XXXX ( XX/XX/XXXX - XX/XX/XXXX ) again showed an interest charge of {$30.00}, and it did show the credits for the previous interest and late fees. I called again on XX/XX/XXXX to get an explanation. The agent said it was an error and said she would reverse the fee as I should not have been charged the interest. Again, I specifically asked her what I needed to pay. The agent subtracted the {$30.00} from the statement balance of {$440.00} = {$410.00} This time, I chose to pay online so I had a clear record of payment on the website. On XX/XX/XXXX I paid {$410.00}. and assumed that NOW it would finally be all resolved.
XXXX Staement arrives and AGAIN there are more interest charges for {$39.00} AND I was never given the credit the agent promised for the {$30.00}. I called again on XX/XX/XXXX and was on the phone for almost 1 1/2 hours. The first agent said that she " was not authorized to remove interest charges that high '' which made no sense since the previous agent on XXXX was able to remove over {$40.00} in interest. She transfered me to a manager named XXXX. She said that she would be able to remove the interest charges but that I had to pay the full balance due ( including BOTH the {$30.00} from XXXX and the additional charges of {$39.00} for a total of {$70.00}. XXXX. She said that " the system '' would take 2 days to issue the credit for the interest charges and since my bill was due the next day, XX/XX/XXXX, I had to pay the full amount and get the credit in the next statement. I was very upset, and XXXX continued to interrupt me and failed to understand that I did not think it was right that I would have to put out over {$70.00} now for fees that several agents had now agreed I did not deserve to be charged. Recall that part of those fees were because the agent in XXXX did not do what she said she would, so the charges were not reversed. In effect, Barclays is holding over {$70.00} of my money for a month before I actually see the credit. She continued to argue with me that I would get it back in a few days. I told her that a credit towards next month 's bill is not the same. I was paying in cash, the $ was leaving my account that day. Eventually she rudely disconnected the call without telling me, I was put in a que and XXXX, another XXXX answered the call. I went through the entire story all over again with him, my anger intensified because I had been hung up on so rudely. XXXX explained that the credits for the interest take 2 days to get issued and re-stated that I had to pay the full amount including the interest. He also informed me that there would be ADDITIONAL interest charges that would hit my account on XX/XX/XXXX even if I paid the entire amount ( including the interest charges which everyone agreed I should not be charged ) on XXXX XXXXXXXX. My understanding is that because the agent in XXXX did not do his / her job and did not reverse the charges as promised, my account is now flagged as not paying the full amount due for 2 consecutive months! I am a good customer and always pay the full amount, I never carry a balance and never have in all the years I had this account ( 5 years??? ). I was flagged due to their agent 's errors and misinformation!! He agreed but said that there was nothing he could do, that I would have to pay the amount including the unjustified charges, and call back again next month and go through this all over again! There does not appear to be an end to this! They are going to keep on charging me interest, forcing me to pay, and then MAYBE issue a refund if the agent decides to do their job. Meanwhile, they are taking my money and using it for the month and probably making money on my money!!! This is a vicious cycle happening to a good customer who has done nothing wrong and has excellent credit!! If I had truly been acccurately informed, I would have just stopped using the card until it was all fixed, but it was only the 4th agent, XXXX, that truly explained what was happening ( even though he could not/ would not fix it ). There must be a law protecting customers from this kind of activity!! Please help me!!
|
| 08/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2023, I purchased an airfare ticket from a website known as XXXX XXXX XXXX XXXX XXXX using a credit card issued to me by Barclay Cards U.S. ( hereinafter Barclay ) account ending in XXXX. Immediately following the purchase, the website delivered an itinerary for a travel on XXXX XXXX XXXX out of a local Airport : XXXX XXXX ( XXXX ). See Exhibit A, page 4. That itinerary directs me to an airline called XXXX XXXX at XXXX, which would supposedly take me on XX/XX/2023 from XXXX to XXXX XXXX XXXX XXXX in XXXX XXXX ( XXXX ) after which another airline XXXX XXXXXXXX XXXX XXXX would take me from there to XXXX, XXXX for a final destination in XXXX, XXXX. Id.
On XX/XX/2023, I went to XXXX but could not locate the airline that the itinerary referred me to. The airport security/information informed me that my itinerary was a hoax and no Airlines with that name exists. When I did further investigation, I discovered that the itinerary was indeed bogus as a XXXX XXXX has no presence in XXXX. That is, XXXX directed me to check in with a fictitious airline or an airline that does not exist. The fictitious flight was set to depart at XXXXXXXX XXXX XXXX time. I arrived there at XXXXXXXX XXXX I attempted to call XXXX but their customer service was not operating. XXXXorth mentioning that their customer service number shows a California area code, which would make it XXXXXXXX XXXX California time. I then attempted emails but XXXX did not respond until later in the day. See Exhibit A at 2.
In response to my dispute, XXXX fabricated an itinerary that shows a different airline than the one they sent me. It shows XXXX XXXX instead of XXXX XXXX. See Exhibit C at 9. Their entire case rests on that fabricated itinerary, which would place me at fault for supposedly missing my flight. Their entire defense now is that I missed my flight on XXXX XXXX, which according to them would forfeit my entire purchase. However, later on that evening, XXXX sent me an email stating that the flight that would supposedly take me to XXXX ( XXXX XXXX ) was cancelled. Exhibit B.
In any event, after a string of email exchange, XXXX finally agreed to refund me but failed to do so within the time they promised. See Exhibit A at 1. Following that, I contacted Barclay ( on or around XX/XX/2023 ) to request a reversal of charges. On that call, I furnished Barclay with the same information list in this complaint. I also informed them that I would be ready to support each one of my statements with supporting evidence.
On XX/XX/2023 Barclay sided with XXXX, without even giving me a chance to respondstating that they were not provided with proof that the merchant agreed to refund the credit card account. [ and ] The merchant has not violated the terms and conditions of the sales agreement. Exhibit C at 1. In reaching that decision, XXXX relied on the fabricated itinerary that XXXX sent them, which they forwarded to me after blindly taking their side, substantiating their fabricated evidence, and denying mine. Exhibit C at 9.
On XX/XX/2023, I responded with the refuting evidence shown here as Exhibit A to prove to Barclay that XXXX has agreed to refund me, which would address the reason they cited as grounds to deny my request. That information would also show that the information that XXXX provided to them was bogus and differ from the one they sent meat least the ticket and itinerary information. Still, Barclay refused to accept any of the evidence I provided.
On XX/XX/2023 Barclay sent another statement citing different reasons other than the one they cited on XX/XX/2023. See Exhibit D. This time Barclay added a new reason not listed in their first response. Here, they indicate that needed to see a cancellation evidence. Id. Clearly, Barclay continue cite generic grounds find more excuses to deny customer requests.
Barclay generic statements dont address issues or respond to consumers claims. For example, even though I informed Barclay that XXXX sent me a bogus itinerary, they sent me a generic response that made no sense. Clearly Barclays generic response was not tailored to my specific case.
Barclay has a history of siding with fraudulent and predatory merchants. A glaring Example is their previous denial of a similar fraudulent transaction, which necessitated the intervention of a state court. Even then, Barclay, refused to honor the Court order. Clearly, Barclay, in particular, operates with a complete disregard to consumers rights and should be held responsible. should this agency require information on the previous fraudulent charge that had been resolved by a state court, I stand ready to provide the documentation.
I respectfully request full investigation of Barclay Cards and applying the law to its fullest extent. I also respectfully request investigating XXXX fraud and holding them responsible for their fardauelent transaction.
Respectfully Submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 02/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
1. On XX/XX/XXXX ( post date for transaction ) I purchased an item from XXXX ( an online vendor ) for {$51.00} ( USD ) using my JetBlue Barclaycard credit card.
2. My credit card was charged immediately upon purchase which raised a red flag with me as most reputable online vendors charge the credit card upon shipment. I received an email from XXXX indicating my item would ship shortly.
3. I waited approximately 1 week and after hearing nothing I began to call and email the vendor. They never answered the phone and emails I got back indicated the item was out of stock and would ship shortly. I then began to research XXXX and discovered they are not reputable and have taken customer 's money and never shipped their items. I increased my calling and emailing and got the same story - out of stock and would ship shortly.
4. As a result of the above, I opened a dispute with Barclaycard on XXXX XXXX. They acknowledged this with a form letter stating they have referred this to a dispute specialist and that it might take up to 45 days.
5. It is now XX/XX/XXXX and I still have not been credited the {$51.00} by Barclaycard. Here are the highlights : - I provided Barclaycard with the basic information when I filed the dispute. I followed up with a phone call asking if they needed anything more. They said they did not and I would hear from them.
- I called every few weeks seeking a status update. They said they had everything they needed.
- In early XX/XX/XXXX Barclaycard sent a letter to my primary address dated XX/XX/XXXX. They referred to my dispute ( Case ID XXXX ) and asked me to send them a letter ( within 10 days ) stating that I was still disputing the charge and to provide them with 4 pieces of information. First- the information they were requesting I already sent them when I opened the case and they told me explicitly they did not need anything more. Second - I was traveling and away from my primary mailing address where they mailed the letter. I returned on XX/XX/XXXX and called Barclaycard about this letter. They told me I was too late ( past the 10 days ) and I needed to re-open the case as they had automatically closed it when they did not hear from me. I asked how to do this and they send to send a fax.
- On XX/XX/XXXX I sent a fax to the number they told me ( XXXX ). The transmission was successful - I have the fax receipt.
- I waited 2 weeks or so and called asking if they had received the fax and what the status was of having my case re-opened. I was told they were backed up in the department that receives and responds to faxes and to wait up to another month. I waited and called back in a month. They still did not show that my case had been re-opened, they reiterated the fax backup and said to wait another month.
- I called again in a few weeks and they still had not re-opened the case. At this point began a series of calls and requested escalations. Regular customer support was unable to help me.
- I called a Barclaycard complaint line. A woman connected me to someone else. She asked that I email the info to her directly as they could not locate my fax. On XX/XX/XXXX emailed XXXX XXXX XXXX ( XXXX ) with the very same information I faxed. She acknowledged receipt and said ( a ) my case would be re-opened and ( b ) I should expect to receive my {$51.00} credit in 2 billing cycles ( aka 2 months ).
- Over this 2 month period I called Barclaycard to follow-up. I was never able to reach anyone who could give me clear answers, especially when I asked about the credit. So I requested to speak with a supervisor. I was told on two separate instances that a supervisor would call me - first within 10 business days and then within 15 business days. I never got a call, but I continued to try to get a status update.
- On XX/XX/XXXX I received an email from XXXX XXXX. The name at the bottom of the email is XXXX XXXX. In summary the email states that I would not be getting a call due to the pandemic and I should await another email that would contain a link instructing me to create a unique username and password so I could then access a portal and their response.
- I don't understand what the pandemic has to do with making a phone call. It also seems they are going to further delay - if they were going to credit my {$51.00} they would simply have done it.
When a similar thing has occurred ( credit card charged for merchandise never received ) other credit cards have quickly credited my card. This has happened maybe 3 times in the last 20 years - I typically research vendors before placing online orders. I believe this response is per the law and that US consumers are protected from such nefarious online vendor behavior. Barclaycard does not appear to have behaved as I or any consumer would expect.
The Barclaycard happens to be a JetBlue branded card. I am a XXXX XXXX member and have informed XXXX of how Barclaycard has mishandled this and adversely impacted XXXX 's brand.
|
| 11/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
Barclays closed my account without my permission in XX/XX/XXXX. I received a letter dated XX/XX/XXXX from Barclays claiming I owe and accusing me of prohibited activity in violation of 15 USC 1692e ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. When I attempted to call the customer service number on the letter, I was prompted to provided private personal and identifying information, which is a violation of my consumer right to privacy.
I am aware that I was discriminated against for exercising my consumer rights protected by 15 USC chapter 41 in good faith when Barclays closed my account without my consent.
There is a billing error regarding the nature, amount, and legal status of the account. I required documentary evidence per 15 U.S. Code 44 which I am confident will shed light on the nature of the error.
From the start of the supposed business agreement, purported to be a contract, BARCLAYS BANKhas engaged in fraudulent and abusive debt collection activities, infringing on my right to privacy and undermining my faith in the banking industry and economy as a whole, rights guaranteed to every consumer. Every credit sale after XX/XX/XXXX is subject to consumers ' claims and defenses for unfair or deceptive acts or practices pursuant to 16 CFR 433.3. The credit sale I engaged in with BARCLAYS BANKis no exception.
Per the definitions in 16 CFR 433.1, BARCLAYS BANKis subject to consumers ' claims and defenses by way of being a seller. I, the consumer, was never apprised of the creditor 's business arrangement with the seller at the consummation of the original credit sale. Meaningful disclosure of the determination of the finance charge was not provided pursuant to the form of disclosure enumerated in 15 U.S. Code 1632. Documentary evidence shall reveal that my obligation was fulfilled upon signing/endorsing the instrument, the beneficial and security interest of which were not disclosed to me.
As defined in 16 CFR 433.1 ( i ), the instrument I endorsed is the consumer credit contract when it was hypothecated and collateralized to fund the credit sale. Many instances of noncompliance occurred when it was subsequently sold and/or assigned to multiple transferees and/or assignees without mutual assent, consent, and notice to me as I have controlling security interest, constituting fraud in multiple ways : 1. Absence of consideration ( I received a " thought '' for my security- no benefit. All contracts must have consideration to be valid ).
2. Absence of disclosure of all facts regarding the use of a promissory note and my signature, violating the U.S. Code 's Truth in Lending Act ( TILA ) and Code of Federal Regulations ' Regulation Z.
3. Absence of disclosure of data-sharing provisions in violation of the Gramm-Leach-Bliley Act ( GLBA ), without the option to decline the sharing of data with furnishers, agencies, or servicers, along with reporting.
4. Monetization of the originating instrument was not disclosed to me. I was not told about the process to monetize a security interest or the secured transactions which were to subsequently take place concerning my chattel paper.
5. Denial of disclosure of the banks relationship to the " trustee and beneficiary, '' amounting to concealment and voidance of the contract. The debenture trustee was concealed from me.
6. I have reason to believe and do so believe that there was forged alteration of the original instrument because it could not have been monetized without augmenting my blank endorsement, even via the use of a special endorsement.
I am aware that I am entitled to a refund of alleged repayments and damages of at least twice the finance charge for the violation of 15 U.S. Code 1635 due to my right of rescission never being boldly, simply, and clearly disclosed to me. I was never given a rescission form at the closing of the contract. I have reason to believe and do so believe that BARCLAYS BANKis a creditor engaged in communication in violation of multiple cease and desist notices from me, and is in violation of debt collection consumer protection laws pursuant to 15 U.S. Code 1692c ( a ) ( 1 ) and 15 U.S. Code 1692c ( a ) ( 3 ).
As the consumer, I am aware of the definition in 15 U.S. Code 1692a ( 6 ) that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts. '' I have never given express consent to BARCLAYS BANKto communicate with me for the purpose of debt collection, thereby violating 15 U.S. Code 1692c at large. BARCLAYS BANK has violated 15 U.S. Code 1692c ( b ) by sharing my personal private information with consumer reporting agencies. I do not give BARCLAYS BANK or any party permission to bring legal action against I, the consumer, as this is a violation of 15 USC 1692i ( b ).
|
| 01/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am writing to file a formal complaint against Barclays Bank Delaware, underscoring significant concerns related to potential violations of privacy laws, particularly emphasizing the lack of adequate disclosures regarding opt-out rights, and drawing attention to the provisions of The Privacy Act of 1974, 15 USC 6805 , 16 CFR Part 313, 16 CFR 433.2, 5 USC 522a , and FCRA Sec 603 ( d ) ( 2 ) ( a ) ( I ). As a responsible credit cardholder, I expect financial institutions, such as Barclays Bank Delaware, to uphold the highest standards of transparency, fairness, and compliance with pertinent regulations. Recent observations have raised serious concerns, necessitating a thorough investigation into the practices of Barclays Bank Delaware. My primary concern revolves around the apparent lack of disclosure regarding consumers ' right to opt out of information sharing, a critical aspect of consumer privacy. Section 15 USC 6802 ( b ) ( c ) mandates financial institutions to provide clear explanations on how consumers can exercise their opt-out rights. However, it appears that Barclays Bank Delaware may not be effectively communicating this crucial information to its cardholders. Furthermore, the absence of information regarding the option to opt out, a right afforded to consumers under 12 CFR 1016.7, is deeply troubling. This omission not only hinders consumers from making informed decisions but also raises questions about compliance with regulatory requirements mandating the provision of clear and accessible information regarding opting out. In addition to the lack of opt-out disclosures, my concerns extend to potential violations of the Fair Credit Reporting Act ( 15 USC 1681 ). Section 602a of this act underscores the importance of financial institutions exercising their responsibilities with fairness, impartiality, and utmost respect for consumer privacy. Barclays Bank Delaware may not be fully compliant with these provisions. Moreover, the apparent lack of information regarding opt-out options may indicate a broader issue of insufficient privacy disclosures. Section 15 USC 1681C ( a ) ( 5 ), which explicitly prohibits financial institutions from disclosing certain adverse information without proper authorization, underscores the necessity for clear and explicit privacy disclosures, particularly in light of the provisions of The Privacy Act of 1974. Additionally, under 15 USC 6805, I note that the privacy notice included in the terms and conditions reveals the involvement of third-party companies, including XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX . This implies that my privacy rights may have been violated by Barclays Bank Delaware under both The Privacy Act and the terms and conditions. I am also aware that 16 CFR Part 313 outlines requirements for financial institutions to inform consumers about their privacy practices and rights, and 16 CFR 433.2 further delineates specific requirements related to creditors and consumer leases. Furthermore, I emphasize the critical importance of 5 USC 522a, particularly in relation to identity theft. Protecting personal information is paramount in preventing identity theft, and Barclays Bank Delaware must adhere to the highest standards in safeguarding consumers ' sensitive data. I suspect that Barclays Bank Delaware may have falsely used my identity, and I draw attention to 5 USC 522a, which prohibits the unauthorized use of personal information. Adding to these concerns, Barclays Bank Delaware appears to have violated FCRA Sec 603 ( d ) ( 2 ) ( a ) ( I ), as the law states that it is illegal to have a consumer report containing information solely as to transactions or experiences between the consumer and the person making the report. Any such violation contributes to a breach of consumer trust and a failure to adhere to the fundamental principles of consumer protection. Finally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, emphasizing the importance of furnishing accurate information to consumer reporting agencies. Any failure to ensure the accuracy of shared information may potentially contravene this stipulation. In light of these grave concerns, I urgently request that the Consumer Financial Protection Bureau conducts a thorough investigation into the practices and procedures employed by Barclays Bank Delaware. Additionally, I implore the Bureau to address the lack of opt-out and privacy disclosures, considering The Privacy Act of 1974, 15 USC 6805 , 16 CFR Part 313, 16 CFR 433.2, 5 USC 522a , and FCRA Sec 603 ( d ) ( 2 ) ( a ) ( I ), and take appropriate measures to ensure compliance with privacy laws and consumer protection statutes. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to safeguard consumer rights.
Account name : BRCLYSBANKDE Account number : XXXX Date opened : XX/XX/2018 Balance : {$4700.00}
|
| 10/24/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I was the victim of credit card fraud on XX/XX/XXXX. I noticed and reported this fraud on XX/XX/XXXX. The fraud was from SQ XXXX XXXX XXXX in the amount of {$2200.00}. I was told it would be taken care of. However, I noticed later that no actions were taken to resolve the fraud. I called back. A provisional credit was given in the amount of the fraud while an investigation took place.
The week of XX/XX/XXXX I received a letter from Barclays on XX/XX/XXXX stating that they had completed the investigation and the transaction was found to be valid based on " your previous purchase history with the merchant ''. I called Barclays back on XX/XX/XXXX and spoke to XXXX in regards to this erroneous claim and stated that if there is previous purchase history with this merchant then there is additional fraud. XXXX confirmed that there was no previous purchase history with this merchant. XXXX also informed me that there was another letter from XX/XX/XXXX currently in route to me that stated that it was in fact found to be fraud and that I would not be responsible for the activity. As previously stated the amount of fraud was {$2200.00}. The amount refunded to me was only {$220.00}. The agent stated that someone seemingly left out the XXXX ', creating a significant accounting error. I was assured that another investigation had been opened and they would work to resolve the error within 30 days. The new case reassertion number was XXXX.
I called back on XX/XX/XXXX and spoke to XXXX in regards to an update. She stated there were no updates at this time and I would receive a letter in the mail and she confirmed the 30 day resolution window.
With only days until a payment is due on the fraudulent amount I called back on day XXXX of the 30 day window. This was XX/XX/XXXX and I spoke to XXXX. She informed me that the credit of {$220.00} came from the vendor, who admitted that it was a fraudulent charge. XXXX told me that she would put a note on my account stating that I would not be liable for interest charges, as it was found to be fraud. She advised me to make the minimum payment to avoid lated fees, XXXX XXXX reduction, etc. Per her advice I set up a minimum payment to go out on the due date of XX/XX/XXXX. She escalated my case since it was 1 day away from the end of the 30 day resolution window. She advised me to call back in XXXX business days for an update.
On XX/XX/XXXX I missed a call from Barclays. I called them back on XX/XX/XXXX and spoke with XXXX. XXXX provided information from documentation from the merchant. XXXX informed me that a letter from Barclays created on XX/XX/XXXX stated that it was not found to be fraud. I have not received this letter. I asked why and XXXX stated because the letter was not mailed until XX/XX/XXXX. XXXX told me that the letter states that the charge was not found to be fraudulent because the merchant was able to provide my name, mailing address and phone number. The merchant was unable to provide my correct email address. The email address provided by the merchant was XXXX. This email is not associated with me in any way. The invoice number from the merchant was # XXXX, which XXXX and I agreed seems suspicious. XXXX confirmed that there are no previous purchases from me with this merchant. She provided the following information about the merchant : Name : XXXX XXXX Design Incorporation Address : XXXX Blue XXXX XXXX, XXXX XXXX Phone : XXXX XXXX created fraud investigation case stating the following : XXXX was unaware of the transaction -I have no previous business with the merchant -I did not receive goods or services from this merchant -My name/address/phone number are easily accessible online and not sound evidence to claim that it was not fraudulent -The email address provided by the merchant is not my email address -The invoice number of # XXXX is suspicious XXXX said she will also log a complaint about the XXXX of my case as it is has not been handled fairly or in a timely manner and she stated that they can do better.
I called back on XX/XX/XXXX to confirm Barclay 's mailing address to send them a letter from XXXX. I spoke with XXXX who confirmed the Barclay 's mailing address is po box XXXX, XXXX, DE XXXX. XXXX stated that I will be charged interest until/if the charge is found to be fraud. I asked her to provide the case number created by XXXX this morning and she was unable to find a case number from XX/XX/XXXX. She was however able to find a case number from XX/XX/XXXX. I did not call or speak to anyone on XX/XX/XXXX, but did receive a voicemail asking me to call Barclays back ( which I did this morning when I spoke to XXXX ). The case number created on XX/XX/XXXX is XXXX. I am unsure what that case states as I did not create it.
This has gone on since XX/XX/XXXX. I've lost sleep over this, I've spent hours on the phone seeking resolution. I feel unsupported by Barclays and I need help. Please help!
|
| 08/21/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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I am submitting this complaint to let you know about a merchants transaction processing. I have a billing dispute with this merchant and was informed my dispute can not proceed. I was given a different dispute case number in each letter regarding the same dispute, so Ill provide them all in the order I received : XXXX, XXXX, and XXXX XXXX through DBO XXXX ( how it was provided in third letter ). The merchant, XXXX, operates prediction markets at XXXX The transactions are for deposits in an online trading account. On my credit card statement, these transactions post as purchases and not cash advances. Shouldnt transactions like this be considered cash advances? I have seen other online ( non ATM ) transactions processed as cash advances. Any time money is loaded to an online account, it is usually treated as a cash advance. If these transactions posted as cash advances and due to the lower cash advance limit ( that is a portion of the full credit line ), it would not have been possible for me to deposit as much as I did on this site. My dispute involves 28 transactions from XX/XX/XXXX to XX/XX/XXXXand three transactions in XX/XX/XXXX. First they said the transactions from XX/XX/XXXXto XX/XX/XXXX are too old to be disputed and the XX/XX/XXXX transactions were the only chargebacks completed. Then they said they will consider the 28 transactions ( since there are exceptions to the dispute time limits ) for dispute proceedings, but then a short time later they said vie phone call the transactions cant be disputed because the funds were loaded to an investment account and are older than 60 days while the letter I received a few days later ( only referenced the transactions from XX/XX/XXXX to XX/XX/XXXX ) stated the dispute is denied because when funds are loaded to an investment account, there are no dispute rights ( nothing about a time limit ). If this is the case, then why were the chargebacks completed for the XX/XX/XXXX transactions? I think the XX/XX/XXXX chargebacks were easy because they were within the normal time limit for chargebacks. I believe chargebacks older than 120 days require an extra step/process and they dont want to process them due to the extra work, which is the reason for receiving different excuses for the dispute being denied. I have lost over {$83000.00} on this site through deposits on seven credit cards, with {$23000.00} on Barclay MasterCard. During the month of XX/XX/XXXXalone, I have made over {$44000.00} in deposits. During the month of XX/XX/XXXX, I have made about {$27000.00} in deposits. This site takes unlimited amounts of deposits, only accepts deposits by credit card, and does not offer other options to fund their accounts, such as electric bank transfers, wire transfers, or XXXX. Most online trading sites do not accept credit card deposits or have low limits in how much one person can deposit by credit card. The only way to fund most online trading accounts are by ACH bank transfers or wire transfers. My main reason for my dispute is not about losing money, but about the amounts of funds they allowed me to deposit. While I should not have deposited these amounts, XXXX should not have accepted unlimited deposits and/or Barclay should not have approved all of the transactions. I noticed recently the merchant violated their own terms of service by accepting too much money. These terms are available at XXXXHome/TermsAndConditions that state, a limit on investment by any single participant in any particular contract [ of ] {$850.00} and You must not deposit more than the permitted amount with the XXXX XXXX. The permitted amounts for any Market are set forth on the Website. Where you deposit ( or attempt to deposit ) more than this amount, the XXXX XXXX will be entitled to reject or return your funds. They took deposits that far exceeded this {$850.00} limit per market on multiple credit cards. I discovered that there were several markets that I lost a lot more than {$850.00} and I counted 19 of these as follows ( all amounts identified are loses ) : AG SEC {$7900.00}, COMM SEC {$2200.00}, ED SEC {$1100.00}, ENERGY SEC {$4800.00}, HHS SEC {$2500.00}, SEC DEFENSE {$1800.00}, SEC STATE {$4900.00}, SEC TREAS {$3300.00}, SEC VA {$1800.00}, TRANS SEC {$1400.00}, AMB CHINA {$1300.00}, OMB {$2100.00}, EPA ADMIN {$3000.00}, SBA {$1400.00}, WH PRESS SEC {$4900.00}, CABINET WOMEN {$2500.00}, RNC CHAIR {$1000.00}, SCOTUS {$2000.00}, and FBI DIR {$1000.00}. These add up to over {$50000.00} and more than {$35000.00} over the {$850.00} limit. Do you think it is reasonable for a web site to take over {$70000.00} in deposits on credit cards from the same user from XX/XX/XXXX( when I opened my account ) to the end of the year? And this is not even counting deposits made in XX/XX/XXXX. I got over my head, accumulated about {$50000.00} of credit card debt, and lost my life savings on this site.
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| 08/04/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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In XXXX XXXX XXXX a collection agency at XXXX XXXX XXXX # XXXX, XXXX, PA XXXX, formally sued me in court for a credit card debt ( this credit card was originally issued by Barclay 's Bank ) Both XXXX XXXX and Barclay 's Bank failed to notify me legal action had been taken against me. It was only after a lawsuit was filed in court was I notified by the court a hearing date had been assigned, and I was required to be present in court. I did appear in court and the Attorney XXXX XXXX sent to represent them ( back in XXXX ) was extremely confused about this case and the associated debt he asked for a continuance. He was unable to obtain the documentation I was requesting. I was hoping to speak with a Judge or anyone associated with the court to plead my case and tell them what XXXX XXXX and the numerous law firms and Attorney 's assigned to this case had been doing to me.
After I was I made aware of this law suit ( by the court ) I immediately contacted XXXX XXXX and Barclay 's Bank in the hopes of reaching someone that had any information about this lawsuit and why I had been sued. XXXX XXXX told me multiple times they knew nothing about this case as my name did not appear in their system. I continued to call hoping to reach a Supervisor or Manager, but my telephone calls were placed on hold for extended periods of time only for XXXX XXXX to eventually disconnect my calls. I called Barclay 's Bank and they also told me my account was no longer in their system and they had no information with respect to what happened to my account.
Taking a step back, XXXX XXXX filed papers with the court indicating I was served a court summons to appear in court by a Sheriff at my place of residence ; however, this is one hundred percent false. XXXX XXXX claims to have sent me additional paperwork which is also 100 % false. Despite my very best efforts, I received nothing in the way of communication from XXXX XXXX. In XXXX, I had requested to see the Sheriff 's summons and other proof of communication from XXXX XXXX regarding the legal action they took against me. They are unwilling and unable to provide proof of the court summons allegedly served by a Sheriff because this never happened and documentation from a Sheriff does exist. It is my opinion, this action never took place, and no such summons was ever created or delivered. I believe XXXX XXXX has misled the court in writing which is now permanent record. I was eventually sent a set of questions from the first of three law firms handling the case, which I responded to disputing the debt. I did this within thirty days as required. I informed XXXX XXXX ( and the court ) I completely disagreed with this debt and the amount of money XXXX XXXX claimed I owed them since Barclay 's Bank had charged off the account and Portfolio Associate somehow purchased the charged off account. After numerous requests, XXXX XXXX is not able to provide proof or substantiate the validity of this debt ( in terms of what they claim I owe after the bank took a charge off ) Further, they are unable and unwilling to provide me with detailed paperwork pertaining to the alleged individual charges they claim I made using the credit card in question issued by Barclay 's Bank.
I do not know or understand how XXXX XXXX came to own this account as I was making timely payments to Barclay 's Bank as recently as XXXX. I was sued by XXXX XXXX in XXXX. I never once heard from Barclay 's Bank or XXXX XXXX via mail or any other method that they had intended to sue me ; therefore, I was completely denied the opportunity to respond. The case had originally been assigned to a Massachusetts Law firm that disbanded, and was shut down making it impossible for me to track down the Attorney that had sued me on behalf of Barclay 's Bank and XXXX XXXX. XXXX XXXX claims they own the account and Barclay 's has nothing to do with it now. Since that time the account has been handed off to numerous different law firms and multiple different Attorneys forcing me to start from scratch each time a court date is set. I keep trying to unwind this mess in order to understand why I am being sued and over what. I have tried my absolute best to navigate this situation, but since the law firms and Lawyers keep changing, I can't make any head way in terms of establishing and keeping communication with anyone regarding this law suit, which is fully underway. I can't stress enough, Barclay 's Bank and XXXX XXXX never communicated with me in any form whatsoever to inform me I was being sued in open court. On top of all of this, communication with the multiple law firms and the numerous Attorney 's XXXX XXXX has handed this case off to has been impossible. XXXX XXXX and Barclay 's Bank have stone-walled me. I have been informed XXXX XXXX is seeking a Judgment against me for 100 % of the debt, and will accept nothing less.
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| 08/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XX/XX/2022 there was a charge on my account in the amount of {$99.00} with a company called XXXX XXXX. On XX/XX/2022 there were XXXX charges on my account for a company called XXXX XXXX. The charges were in the amount of {$47.00} and XXXX. I did not make these purchases. Both of these companies sell adult novelty items and films- I would remember if I had made these purchases. These charges are also inconsistent with other charges on my account, as all of the legitimate charges I made in that time period were for less than {$10.00} each. I began the month of XXXX with a conscious decision to decrease my spending. These XXXX fraudulent charges occurred during the time period of when my XXXX XXXX XXXX card was being transitioned from XXXX XXXX to an XXXX XXXX XXXX managed through Barclays. I called Barclays as soon as I noticed these charges to report my card as stolen and request a new one within a few days of these fraudulent charges. Im sorry I didnt write down the dates that I called Barclays , but the first call I made was around XX/XX/2022. It was very close to the dates those charges were made. Barclays did send me a new credit card and took my report that the charges would be investigated as fraudulent. I checked my account regularly and the charges were still appearing under my transactions. I also called at least once a week to ask if the charges were still being investigated. After about 6 weeks, the first fraudulent charge ( XXXX XXXX for {$99.00} ) was marked as a credit, but the other XXXX charges ( XXXX XXXX {$47.00} and {$9.00} ) are still showing on my account, despite these being reported as fraudulent at the same time. The only reason I can see that would cause this delay is that because it took so long for the fraudulent charges to be addressed, my husband called XXXX XXXX in the first part of XXXX and asked them to refund those charges. However, I never saw a refund come through so I told Barclays to continue to process the charges as fraudulent. I communicated all of this to Barclays. I did not have to make a payment in XXXX because of the account being transferred between banks, but now I am due to make a payment on XX/XX/2022 and the XXXX remaining fraudulent charges are still showing on my account. The minimum payment is {$30.00} however the legitimate charges Ive made on this account are less than {$30.00}. I suspect that Barclays is intentionally taking too long to investigate charges to continue to charge me interest. I also am hesitant to make an overpayment on my bill because I dont think they will credit me back the over payment when the fraudulent charges are finally removed. But I also dont want to make a payment less than the minimum amount due because I strongly suspect they will issue a late payment fee. Again, Im sorry I didnt keep track of how many times Ive called a Barclays to address this XXXX it its been in the realm of 12 times since I first reported the fraudulent charges. I suspect they are intentionally dragging it out because of the ineffective customer service I get at every call. Twice ( on different days, several days apart ) I have been told that I couldnt talk to the investigations department because their systems were being updated and that they would be unavailable for several hours. Two other times I was told that I would be transferred to the investigations department but the line disconnected. Another time an agent placed me on hold and when she returned to the line she spoke as if she couldnt hear me and eventually disconnect the call. On all the other calls Ive been told that the charges are still under investigation and that there was nothing else they could do. On another call an agent told me that it takes two billing cycles for fraudulent charges to come off the account, but didnt have a good answer for me when I asked why one of the charges I reported was showing as a credit but the othered werent. Finally, I called again on Wednesday XXXX XXXX and requested that the charges be marked as a credit while they are still supposedly under investigation and the agent said that could do that but it would take several days for that to reflect on my account. I checked it again today ( 5 days later ) and they are still showing. I called again today and requested that these charges be marked as a credit so I could make payment on my account based on a correct balance. This agent told me that fraudulent charges are usually resolved in 7-10 business days. When I pointed out that it has been well beyond 10 days and asked to be transferred to the investigations department, once again the line was disconnected while transferring my call. Im making this complaint with the understanding that it can take several days to address fraudulent charges but I have never had a credit card company take this long and treat a customer this poorly.
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| 06/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Barclays credit card won't retrieve a refund for unprovided services. All details attached.
Barclays bank credit card ( mastercard ) gave up on retrieving a disputed amount of {$1.00}, XXXX. XXXX from a travel agency called XXXX. Please see their final letter attached. Barclays bank is now asking me to repay all that amount, I believe I shouldnt have to pay that money, XXXX should send the refund of the money because they didnt use the money for what I paid for, as explained below. I have attached all relevant documents I have.
On Friday XX/XX/, I urgently purchased a plane ticket for my daughter, XXXX XXXX from XXXX, XXXX XXXX to XXXX, urgently because the XXXX XXXX XXXX asked me to expedite the process to meet the criteria for her situation. In this case, I unintentionally paid twice with Barclays credit card around the same time to two different travel agencies, XXXX, and XXXX. Only one of the payments was received by the airline from XXXX, per airline representative. Now Im fighting to retrieve the other payment from XXXX but they keep rejecting my call and Barclays wont help either. How did this happen, all explained below.
I made my first payment to XXXX XXXX through XXXX XXXX, and they gave me the booking # XXXX, ticket # XXXX ( also confirmed later by XXXX XXXX, XXXX XX/XX/ ). ( Please see attached print-out proof of payment, and if necessary, you can also confirm that with XXXX XXXXXXXX ) XXXX Some hours later after my first payment on the same dayXX/XX/XXXX, I called the same number to confirm whether the transaction had been processed successfully. This second call unfortunately, happened to be picked up by XXXX. I didnt know that this agent talking to me was from a different company. I asked him to check the status of my purchase, I gave him all my information he checked the system and said to me that it didnt process and that he can help me get a plane ticket for my daughter.
I asked him if its not going to be a problem of double payment, he said not at all. Then I paid XXXX to him, name XXXX per his request. He sent me a booking # XXXX. ( Please see attached booking and payment ). He assured me that he will send the plane ticket after its been generated by the airline. Few days later, I saw on my account XXXX pending payments. XXXX XXXX representative said to me that the payment was done by XXXX XXXX, no record of XXXX. Although the XXXX cancellation window was over ( while waiting for the ticket # from them ) at that time, I still tried to reach XXXX but each time we start talking about what happened, I get disconnected ( they hung up on me ).
I called Barclays bank to dispute the charges, after several back-and-forth discussion about the issue, they said I must write a formal letter to dispute the charge. Barclays bank, also decided to send me a new replacement card to avoid or mitigate any fraud. That is why the attached receipt shows the previous credit card instead of the current card number. On XX/XX/ I wrote a letter to Barclays bank XXXX department to file a dispute. During my follow up calls to the bank, they assured me that they will do everything in their power to retrieve the money back but on XX/XX/, I received a letter datedXX/XX/XXXX from the bank stating that they couldnt help me with this matter, adding that the XXXX will remain on my credit balance to pay back the money to them. On Monday XX/XX/, I called the bank and talked to XXXX XXXX, he reinstated that I am responsible for the money because of insufficient proof of contract and cancellation.
During our phone conversation with XXXX, I asked if I did anything wrong by paying before service, he said, No. I added that for all online transactions, everybody pays first before service. If the product is not received or if the service is not provided, then a refund must be made. I said this is the expected role of the bank to make sure that the refund is processed back to their clients account. I added that I XXXX for XXXX made a payment, let him provide a proof/receipt of payment to XXXX XXXX XXXX XXXX XXXX agreed with me on that explanation and my expectation from them, but he still says I must pay the money back. Before the end of our phone conversation, I requested him to send me my bill of rights indicating where to file a report, and he promised to do so. At this time as XXXX writing, indeed, the money currently reflects on my XXXX account, XXXX XXXX failed to supply the information I need for my next step. I XXXX around and discovered that you can help in this situation. I need your help in this matter, please, please, please, because XXXX cant XXXX how long it will take me to repay all this additional {$1800.00} plus interest. I already owe them over {$10000.00}. Please help me. You are my only remaining hope to rescue me. XXXX XXXX bless you at your job, everyday.
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| 03/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Hello, I have a Barclaycard Credit card. I have had this card since XXXX and have always made my payments. My monthly payment is usually only about $ XXXX however I always pay several times more than the minimum amount for example 2, 3, or {$400.00} or more.
Around XXXX of XXXX I went on line to make my scheduled monthly payment and noticed in my payment history section of their website were it listed all my prior payments it stated " You have no scheduled payment at this time ''.
I was surprised to see this as I never noticed it before, but assumed it was just that, I had just never noticed it, and it was stated due to my always paying many times over what the monthly payment due for the prior month was so therefor I was covered on a number of many or at least as it stated that months due payment. Because the holidays had just past I thought well, that's great, I think I will take advantage of it that month and pay a bit more to a debt with a higher balance. Despite becoming a customer in XXXX and it having been in XXXX a customer for over 4 years my credit limit was only {$700.00}. This is the limit I was given when I received the card and it had never increased in 4 years, despite my excellent history with them.
It wouldn't be till many months later I would see that they had reported a past 30 days late payment reported to the credit bureaus dropping my credit score by over XXXX points!
I have documents I will attach of the letter received, photos of the section on their website that if you look at the date is the XXXX of the month ( I used XXXX as example ) you will see were it states, " no payment due '' yet on their other payment page it has the actual amount and date which if you look is the same date XX/XX/XXXX stating a payment due no later than that day.
This is a problem that needs to be corrected and I will assume it is not intentional and will be corrected as well.
I have been trying to correct this since.
I called several times, spoke with many customer service reps who stated it was an error and they would be correcting it on my credit reports by the next reporting cycle.
This still has not been corrected, despite further multiple calls, continued disputes with Barclay and with each individual major credit bureaus.
Barclaycard also at the time they made their incorrect report lowered my available credit line to {$500.00}. I am disgusted with the way this credit card has treated me especially as I am an excellent customer.
By Barclay not rewarding periodic increases in my available credit as deserved it is most likely reflected as a negative on my report. Due to being an excellent customer my credit limit should reflect this regardless of whether i use the available credit or not. Due to Barclaycard leaving my available balance at such a low level if I use the card it will always reflect my usage level, which we know effects our scores, even if charging only {$250.00} or more as being over 50 % usage! I find this to be very unfair & a deceptive practice. When I initially applied for this card it did not say anything about them not rising available credit with the proper and responsible use of their credit card, in fact I applied for their card only after recieving an offer to transfer balances from other cards I may of had which had higher APR than they did and this was the reason I applied.
After writing down the balances I wanted transferred in my application I expected this to be what I received but it was not, I did not received a card able to handle any balance transfer but this card i speak of with this minimum available limit of only {$700.00} and now down to {$500.00} for the error they made, how quickly and eager they were to lower this.
After calling Barclaycard again I finally received a written letter via postal mail were Barclay card has again but now in writing has agreed to correct this error and again I do not see this correction reflected on any of the three credit bureaus.
I also am calling for the increase of my credit score by at least the XXXX points that were subtracted from it when this error was reported. This is very very important!! As I am sure Barclay will agree, what is the point of corrected this error if they do not correct the reaction to the report of a fall in my score that occurred after they made this wrong report.
I also would like my available to credit limit effected at the time to be corrected and if they would care to show good business faith maybe this is the time they could give a increase that one would deserve who has been such an outstanding responsible customer.
I think this is not much to ask for and after the time spent and trouble caused by this mistake it is the least they could do and would rectify this issue greatly, and I deserve it.
Respectfully, XXXX XXXX
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| 10/23/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/XXXX I checked my wife and I 's XXXX Visa card account through online banking. It stated that there were suspected fraudulent transactions on our account and advised us to call in. I called the number provided and spoke to a Barclays representative. She identified several charges that were believed to be fraudulent. I advised that neither I nor my wife had made those charges and she stated they would remove the charges and close my card and send a replacement. She asked about some additional charges, but I stated that I couldn't be sure which ones were legitimate versus which ones were fraudulent because my wife and I were both using our cards at the time and my wife was traveling so not immediately available to review with. She said that would be no problem and advised me to simply call back with a full list of the fraudulent charges.
On Monday XX/XX/XXXX I called back and provided the full list of fraudulent charges listed below. I was advised that they would be investigated. I did not think there would be any issues getting the charges removed since Barclays had contacted us and knew there was fraud on the account.
Fraudulent Charges : XX/XX/XXXX XXXX - XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX XXXX # XXXX DEBIT XXXX XX/XX/XXXX XXXX # XXXX DEBIT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX DEBIT XXXX XX/XX/XXXX XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX 'S XXXX DEBIT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX DEBIT XXXX I learned later that week that I was the victim of widespread identity theft, with multiple accounts opened in my name and multiple other applications submitted that I was able to catch before they were opened. However, I am not sure if this is related to the fraudulent charges.
On Tuesday XX/XX/XXXX I received a call from a Barclays representative. They asked me if I had been in possession of the card when the fraud occurred. I responded that I had been. As far as I know the card was never out of my possession. Based on that response the representative advised that the majority of the charges would be denied and we would be fully responsible. The representative advised that because these were 'chip ' transactions they could not be fraudulent.
We subsequently received a letter dated XX/XX/XXXX from Barclay stating : " This will confirm our discussion that your fraud claim has been denied on your XXXX account. As a result, you remain responsible for payment of the disputed amount as well as any applicable associated fees and finance charges, in accordance with the terms of the Cardmember Agreement ... '' Below are links to multiple articles stating that fraud is still possible with chip cards and chip transactions specifically. I do not believe the fact that the fraudulent chip transactions were made while the card was in my possession is sufficient evidence to deny outright and feel that this policy is unjust and predatory. I do not know exactly how these transactions occurred, I am not a fraud expert, I only know that they were not made by either my wife, myself, or anyone known to us, and as such we should not be responsible. I also note that there are at least 20 other CFPB complaints outlining the same issue, so apparently we are not the only victims of this type of fraud.
Articles stating that fraud is still possible with chip transactions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After this conversation my wife and I filed a police report ( a copy of the report is attached ). At the time the officer advised they would likely not be able to catch the perpetrator of the fraud.
On XX/XX/XXXX, on advice of a Barclay representative, we contacted the vendor of one of the fraudulent charges - XXXX. Over the phone the representative XXXX XXXX ( called XX/XX/XXXX @ XXXX ) advised that the transaction was completed by a XXXX XXXX. This person is not known to either my wife or myself. This is further evidence that either - the assertion that it is impossible for chip transactions to be fraudulent if the card was in my possession is false OR Barclays system is incorrectly showing transactions as chip transactions that were not chip transactions. In either case I believe I have provided sufficient evidence from what is available to me for the identified fraudulent charges to be refunded based on the laws limiting consumer liability for fraudulent credit card purchases.
Based on this evidence I ask that the all of the transactions listed ( total {$770.00} ) be removed from our account as the fraudulent charges they are. In the past calendar year my wife and I have spent $ 68,000+ dollars on this account. The suggestion that we would attempt to fraud Barclays out of {$770.00} defies logic.
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| 08/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
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I have attached these 3 letters : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Barclays Bank XXXX XXXX XXXX.
XXXX XXXX NY XXXX Dear XXXX XXXX : I have enclosed copies of the following : XXXX. Letter dated XX/XX/2022 to Barclayss Dispute Department in regards to Dispute # : XXXX to dispute {$190.00} charge made to my credit card on XX/XX/2022.
2. Letter dated XX/XX/2022 to Barclayss Dispute Department in regards to Dispute # : XXXX giving my husband permission to inquire about this dispute.
I have called Barclays Dispute Department at XXXX the following XXXX times in regards to Dispute # : XXXX : XXXX. XX/XX/2022 : Spoke with XXXX in the XXXX XXXX. XX/XX/2022 : Spoke with XXXX in the XXXX XXXX. XX/XX/2022 : Spoke with XXXX in the XXXX XXXX. XX/XX/2022 : Spoke with XXXX in the XXXX XXXX. XX/XX/2022 : Spoke with XXXX in the XXXX All five of these employees are supervisors. All XXXX of these supervisors promised to resolve my problem clearly documented in my XX/XX/2022 enclosed letter. All five of these supervisors promised they would contact me within five business days to follow up on the status, I never heard back from one.
Barclays needs to take a careful look at their operations in XXXX, XXXX. Disputes need to be resolved in a timely manner. This is not only unacceptable, but it is completely unprofessional.
I have wasted over 10+ hours of my time disputing this charge. In additional to the {$190.00} dispute refund I expect to receive very soon, I expect Barclays to go above and beyond for my time wasted. Since this dispute is on my Barclays Wyndham Business credit card, I would like for Barclays to deposit XXXX Wyndham bonus points into my XXXX account # : XXXX.
If you have any questions, please call me at XXXX. Thank you for your help and time. I look forward to hearing from you soon.
Sincerely, XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Credit Card # : XXXX Barclays Dispute Department Fax # : XXXX Dispute # : XXXX To Whom it May Concern : Today I spoke with XXXX XXXXhe supervisor in Barclays Dispute Department at XXXX. XXXX advised me to fax this document to give my husband, XXXX XXXX XXXX, authorization to inquire about this dispute and ALL other matters in regard to my Barclays Wyndham Business Credit Card # : XXXX.
Thank you, XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Credit Card # : XXXX XXXX XXXX Department Fax # : XXXX Dispute # : XXXX To Whom it May Concern : XXXX XXXX Department Today I spoke with XXXX in Barclays Dispute Department at XXXX. I told XXXX in Barclays Dispute Department about the letter I received from Barclays Dispute Department. The letter told me that Barclays Dispute Department can not help me until I return the item. I have called XXXX XXXX XXXX XXXX XXXX times asking to return the item. Since the item did not work, I expect XXXX XXXX XXXX XXXX to pay for the return shipping. I will not pay for the returned shipping on an item that does not work. XXXX in your Dispute Department asked me to fax this letter to XXXX to dispute the {$190.00} charge again to XXXX XXXX, XXXX made on XX/XX/2022. XXXX asked to include everything in my original dispute along with any updated information : - XX/XX/2022 - Placed order # XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX for {$190.00} on my Barclays Wyndham Business Credit Card # : XXXX - XX/XX/2022 - Received order, pump did not work - XX/XX/2022 - Called XXXX XXXX, XXXX, spoke to the owner XXXX, at XXXX. Explained to XXXX the pump did not work. XXXX walked me through troubleshooting the pump, so I worked with XXXX on trying to fix pump. Pump still did not work, so I asked XXXX to please send me a new one. XXXX called me a XXXX twice during call, and he called me a XXXX once. XXXX was extremely unprofessional.
- XX/XX/2022 - Received replacement pump. Replacement pump does not work.
- XX/XX/2022 - I called XXXX XXXX XXXX XXXX at XXXX and left a detailed message to please call me at XXXX or email me at XXXX.
- XX/XX/2022 - I called XXXX XXXX XXXX XXXX at XXXX and left a detailed message to please call me at XXXX or email me at XXXX.
- XX/XX/2022 - I called XXXX XXXX XXXX XXXX at XXXX and left a detailed message to please call me at XXXX or email me at XXXX.
It has been a month, and I have not heard from XXXX XXXX XXXX XXXX, unacceptable.
I need Barclays Dispute Department help. I would like a full {$190.00} refund on my XXXX ending in XXXX, so please dispute this charge again. If XXXX XXXX XXXX XXXX wants me to return the item, then I expect for them to pay for the return shipping. Please let me know if you need any additional information.
Thank you for your help and time, I look forward to hearing from you soon, XXXX XXXX
|
| 04/23/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2019, I was a victim of the XXXX/XXXX Card Phishing Fraud Scam. I was scammed into purchasing these cards as a help to XXXX. I immediately called the Barkclays/XXXX XXXX Master Card ( within hours of realizing I was a victim of this Fraud ) and told them to take the charges for these Cards off my credit card, as I was a fraud victim, and they now refuse to do so.
On the afternoon of XX/XX/XXXX, I was called by XXXX, XXXX. The number calling ( see attachment 1 ) had XXXX logo and its telephone number. I was particularly comfortable answering this call ( as I rarely do an unknown call ) because I have been working with XXXX for a business I have started. This was a very sophisticated impersonation of XXXX as they had a calling center in the background with XXXX representatives answering questions. The woman from XXXX proceeded to tell me my XXXX Devices had been hacked and the worst thing she told me was there was XXXX XXXX on my devices which she of course told me was illegal. This so terrified me because I am a recently divorced single mother who has just opened my own business in order to support myself and my XXXX children and I couldnt imagine the ramifications of having this on my devices to myself and the business even if it was through hackers. The woman then asked about my XXXX computer, and again through an elaborate ruse of trying to have me correct the problem got herself onto my computer by asking to remotely join me on my computer. She convinced me, after letting me watch her actions on my computer, that there was only one way for XXXX to combat these codes that had been put on my computer. That was for XXXX to buy, through me, these cards which had codes on them. She assured me XXXX would reimburse me for any purchase I made for these cards but that these cards with codes on the back had to come from me. I then purchased them from various places using my Barkley credit card. ( see attachment 2 ) After every purchase I received a copy of XXXX reimbursements ( see attachment 3. ) I do not have every copy of the reimbursements because the Sheriff has some. Of course I was not buying anything in my mind-just helping XXXX.
I then hung up due to my obligations with my children. After talking to my ex-husband he told me I was a victim of fraud and to call XXXX and my credit card which I did. XXXX confirmed this fraud/scam as they have known about it. In addition they told me that the information I received from the XXXX woman like telephone #, home page, XXXX Corporate Address, etc. was stolen from them. ( see attachment 4 ). On XXXX advice I called the Sheriff of my county and they came to my house ( See attachment 5 ) and later rendered their report stating I was a victim of fraud. They confirmed I should call my XXXX Card telling them not to honor those purchases because I was a victim of fraud. I told them I had already called the credit card company and done just that.
Now my Barkclays/XXXX Master Card refuses to take {$9000.00} of charges off my card because they say I was not frauded and was a willing participant as well as that they had text messaged me once at XXXX XXXX on XX/XX/XXXX ( see attachment 6 ). In that text they asked me if the charge was valid and I replied it was because I was helping XXXX and was being reimbursed. That text didnt tell me I could be a victim of the XXXX/XXXX Card scam although they well knew about it. This was a card I never used so the buying of that many XXXX Cards should have alerted them to the Card scam in and of itself. They also never asked why I was making such purchases and I believe had they done so, I would have told them about my dealings with XXXX.
Also attached ( see attachment 7 ) are copies of the correspondence my attorney ( who is luckily for me my father ) sent Master Card. He had to correspond with them twice because they would not talk to him without my Power of Attorney, and claimed after he sent his first Fax that he was not a real attorney as evidenced by the Power of Attorney I signed being allegedly inadequate. Finally, my father determined that while they had received the two faxes they had never read either. This was confirmed more than once to him including when he last contacted them. On that occasion, which was yesterday, XX/XX/XXXX, they claimed I had no recourse based on the false assertion provided above, and owed them {$9000.00} in card charges. Yesterday I closed my account with them, and I filed with the 3 credit agencies my dispute of these charges.
I want Master Card to remove these fraudulent charges from my prior account with them. They have a duty to do so because I was a victim of fraud and they should have protected me.
XXXX XXXX
|
| 05/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
For the last year I have been getting calls, emails, text messages, and also have had fraud occur where someone has opened two credit cards within 2 days of each other in XX/XX/XXXX? They charged over {$3000.00} on each of these cards, they have been remotely hacking all of my devices despite the fact that I have every security feature on them, have had to change all of them 3 times this past year, and had to change my phone number 3 times as well. In XX/XX/XXXX on the XXXX I recieved a text alert telling me that someone had gone into a XXXX store and charge {$150.00} on my card through the app on my phone, in XX/XX/XXXXthey used a bank card of mine at an XXXX XXXX XXXX XXXX in XXXX ( Neither of these places to I reside or have visited ). Then I began receiving text messages from them, next started the phone calls from someone claiming to go by the name of XXXX trying to con me into the XXXX card scam, they would call from a XXXX number and a XXXX XXXX number every time I blocked the number they would call from another despite being told several times that my number at the time was on the do not call list and I asked them to stop calling me yet they continued to, and then they started calling me using profanities, I then started receiving emails from XXXX XXXX XXXX saying I owed them money for a loan which I have never had with them, every email they sent stated a different amount that i supposedly owed them and telling me that if I did not send x amount of money by such a time that day via a XXXX XXXX that they would put a warrant out for my arrest and contact my employer ( I have kept all emails they have sent me ). Then just recently I received a letter from an old bank account stating that this same company XXXX XXXX XXXX had filed a complaint with the courts and that they had put a freeze on that account in order to garnish money for this supposed loan I have never had. I recently put a credit fraud report on my credit report because someone keeps trying to get loans in my name, I was even notified by paypal that these people somehow had been able to obtain my paypal account info and was trying to take out money via an atm, we changed my password and had a new card sent out however this is the third time in the last year this has occurred. Now they keep contacting me threw a local phone number and again I block it and they continue to call me from another number up to 20 times a day, today I recieved a call from a local number and they were trying to tell me my credit card apr was now approved to be lowered to ( x % ) and then they started telling me you have more then {$2500.00} in credit card debt right and I said no what are you talking about, long story short when the man on the phone could not get the info he wanted out of me and I told him to not contact me again his response was take your credit cards and XXXX XXXX XXXX XXXX XXXX ) he then hung up. Last week I recieved constant calls from a number that was showing it was from XXXX XXXX and then after they would call the number would change and stated it was from another country. I answered several times and each time told them to not contact me and blocked the number yet they continued to call me all day using different numbers and when I answered their last call I told them that I was reporting this to my local police and blocking their numbers their response was go ahead were going to just keep calling you! And as if that is not enough I am constantly on a daily basis receiving these robot calls, text messages about pre-qualifying for a loan, and I even recently had to change my number because someone ( and I have the persons complete information along with the saved text messages ) they had bought a XXXX pre-paid phone and somehow they were using my number to text their friends who would respond back all through my phone when I tried to block them it wouldnt allow me to so I confronted them and told them I would be handing this over to local authorities to which they replied well just block our number and when I said that whatever they were doing they had it so I could not do that and I was giving them one hour to change that before I went to authorities, amazingly all of a sudden I was able to block the number. So i kept all texts as proof and went to XXXX XXXX XXXX showed them and had my number changed. I also have confirmed that I was one of the people whos information was compromised by the whole XXXX thing, and over the last 5 years I have had to have bank cards changed multiple times because I received notice from the bank ( XXXX XXXX ) who I was banking with at the time that twice my information had been compromised by a company I used my bank card at.
|
| 11/01/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XXXX XXXX, XXXX, we rented a trailer through an online website called XXXX. We rented the trailer from XXXX XXXX and were charged {$2400.00} for the trailer rental and {$360.00} for trailer insurance ( required ). We picked up the trailer in XXXX XXXX and traveled XXXX miles to XXXX XXXX, Oregon which we received approval from the owner. When we arrived in Oregon, we discovered several significant problems including a broken water pump so there was no running water for the shower/bathroom/sink, a damaged circuit breaker resulting in limited/no power within the trailer, previous undercarriage rust which apparently caused a broken shackle on the axle making the trailer un towable, un serviced brakes and other owner negligent maintenance problems just to name a few. On XXXX XXXX, the trailer was so damaged from owner negligence PRIOR to renting that the trailer was unusable and had to be towed to a trailer repair shop almost 100 miles away at our expense to XXXX XXXX XXXX XXXX in XXXX, ID ( invoice attached ). The axel literally shredded on the way to the repair shop on the highway which could have caused serious injury or death. We were stranded in XXXX, ID and paid for 2 days in hotel expenses which we also requested be reimbursed from the owner of the trailer but were denied entirely. On XXXX XXXX, after the axel was repaired, the trailer was still in such severe damaged condition due to obviously years of owner negligence that both the XXXX XXXX XXXX owner who handles all repairs for the US Forest Services nationally and our 2 drivers who are both XXXX XXXX Fire Department concluded the trailer was not road worthy and too dangerous to tow. In addition, this trailer was also not certified for road usage based on CHP requirements, making it illegal and unsafe to tow or use. Prior and during the repairs, we requested multiple times with the owner directly that they credit our expenses ( hotel/food/time ) and allow us to return the trailer immediately upon the axel repair as it was unusable and damaged. The owner not only denied any credits but also verbally assaulted and threatened both XXXX drivers on multiple calls that he was going to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX finished the repair on XXXX XXXX and we drove the trailer 1,100 miles back to XXXX XXXX and returned the trailer on XXXX XXXX.
On XXXX XXXX, we emailed XXXX and on each of the following subsequent dates requesting a full credit and resolution. We also attempted to resolve our claim and called XXXX customer service 15 times but were unsuccessful to reach anyone to discuss or resolve our claim. XXXX refused to respond with any resolution to each of the following emails which are attached for your review ; XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX On XXXX XXXX, XXXX, we filed a dispute with XXXX requesting a full credit of all charges. On XXXX, XXXX, XXXX, we received a response which was merely the owner of the trailer denying our refund requests, further denying there were any problems with the trailer. We have attached the repair invoice from XXXX XXXX XXXX confirming the repairs completed just from the axel damage. None of the other necessary repairs were completed stemming from the owner neglecting maintenance and rust resulting in illegal road worthy conditions for the trailer.
Ultimately all XXXX did to attempt to resolve our dispute/claim was email the owner of the rental trailer our complaint and ask them if they would they consider refunding any/all of the rental. Of course the owner denied the claim. XXXX never offered any other resolution. Let me remind everyone that in addition to the damaged condition of the rental trailer, the mere act of renting or selling a vehicle or trailer thats not certified or road worthy without disclosure is considered a criminal offense.
After being denied any refunds by XXXX, I contacted my XXXX XXXX XXXX XXXX XXXX XXXX and opened a dispute for the same charges. The dispute was denied for the cancellation/refund policy agreed to when making the purchase. Unfortunately, we are unable to override the merchants cancelation policy. ( XXXX XXXX dispute letter attached ) The trailer was damaged and un-usable and therefore had to be returned early. Had we know the severity of the trailer damage prior, we would have opted not to rent the trailer. XXXX cancellation policy is null in void when you receive damaged, unsafe products/good which is exactly what occurred.
Im requesting a full refund of both charges as the trailer was damaged and had to be returned early. The charges are ; XXXX - {$2400.00}, Rental - {$360.00} XXXX regards, XXXX XXXX XXXX XXXXXXXXXXXX
|
| 11/27/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
In XX/XX/2023 I made my regular minimum monthly amount due on my XXXX XXXX Barclays XXXXXXXX. A few weeks later I then decided to lower my balance so I set up another payment on their website for {XXXX} A few days later, unfortunately the payment did not clear my bank. The credit company again tried a XXXX attempt to clear the payment and it was denied.
I then waited for the next billing cycle and the website told me my XXXX amount due was {$29.00} and I made that payment on time. It is important to note that up until now, I had never been late, missed any payments, nor was I in collections for attempt to collect a debt.
A few weeks later in XXXX, I logged into the XXXX XXXX Barclays website and I was greeted with a Minimum amount due of over XXXX} dollars. I then spent from XX/XX/2023 until XX/XX/2023 ( XXXX Months ) trying to call them and ask why my Minimum monthly amount due was so high.
For XXXX months I was given various different answers from all the account specialists that answered my calls. Some said it was an error due to the payment not clearing between XXXX billing cycles, others said they were collecting on the payment that didn't clear, then others said " Oh there isn't a problem your monthly amount due is around {XXXX '' and I had to tell them that my statements and the website told me my " Minimum monthly amount due '' was sky-high and now over {XXXX} due to late fees. I was told there is no problem just pay the " Monthly amount due, it's different ''.
However, every time I called I was greeted that they were attempting to collect a debt. I even sent a XXXX certified mail letter to dispute my problem and my case was closed saying there was no error on my account. I called back furious and asked for a XXXX. I was given a XXXX and promised my problem would be resolved and that a different XXXX would call me back in a few days to resolve it. They never called me. I called back and my case had been reviewed and closed again claiming " no error on the account '' I was transferred to collections, and they told me " It's an error for sure, but it looks like the system can't catch up because there has been no activity since then. Can you make a payment or purchase? '' So I agreed to a XXXX XXXX payment for XXXX} and waiting for the next billing cycle to roll on XX/XX/2023 and my minimum monthly amount due was still over XXXX} all because of the initial voluntary payment that didn't clear back in XXXX XXXX.
By now, I found out I was being marked late each month on my credit reports. Even though I was disputing this very issue for XXXX months, Barclays marked me late XXXX XXXX, and then around XX/XX/2023 they Closed my account!
I called back and was told my account was closed because I didn't make my Minimum monthly amount due for {XXXX} and the lady that read it to me was almost in shock as she read it. Then I asked for a XXXX and the XXXX told me after careful review in their " Back XXXX '' they do not plan to resolve my problem by putting my minimum monthly amount due back to normal and clearing my delinquent credit report and letting me resume payments.
Problem : XXXX ) Barclays is blatantly violating the cards Terms and Conditions on how they shall calculate a XXXX XXXX.
XXXX ) They threatened action against me to collect a debt that was caused by their own clerical/computer error while I was disputing the case XXXX ) They closed my account while I was disputing the case XXXX ) They Reported me delinquent to credit agencies for the problem while I was still disputing it XXXX ) They failed to send me a thorough explanation in writing on why they chose to not resolve my problem ( Even though they violated their own terms and conditions calculating the Monthly amount due ) XXXX ) They are discriminating against me as I exercise my rights under law to dispute my bill because they keep marking me late and trying to collect debt, and closing my account.
XXXX ) Ultimately they are trying to collect on a returned payment, however the payment was an 'extra payment ' or 'a voluntary payment ', not XXXX scheduled on an invoice ( those were always paid on time ).
If a friend says hey I'm going to give you {XXXX and you say sure, and you go to their home to get the money and the friend says " Oh-No, I'm really sorry but I don't have that after-all ''. Do you as a person then XXXX they give you the money the next month? XXXX sounds like XXXX 's does!
If XXXX were to review the said terms and conditions it is clear they are in violations of calculating the monthly payment, and they are violating Federal Trade Commission laws and regulations in regards to the above listed problems.
|
| 10/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I was falsely charged a total of {$900.00} plus the interest that is currently accruing. Below is the letter that I sent to Barclays for my XXXX XXXX. The only way I can contact them to complain about an incorrect charge is to send in a snail mail letter.
I sent in a letter the first time just circling my statement mischarges thinking that was enough for an investigation and a phone call to me. However, that claim was denied. And so I mailed in another letter and have now not heard back in over a month. When I called to check on my second letter I was hung up on or disconnected after waiting on hold for 30 mins.
Also, I have a XXXX credit rating and have no history of bad credit.
2nd letter as follows : First of all, let me tell you that I am in despair over this and can not afford to lose {$1000.00}, in reality, losing this amount of money will affect whether or not I can travel to visit my family during the XXXX ( all because of an ATM glitch ). I am not someone who can afford to just not fight this. And I only travel with and use this card because it is supposed to protect me from situations like this.
Recap : I am writing in a second attempt to dispute 2 charges that were incurred to me wrongly.
I traveled to XXXX this XX/XX/XXXX XXXX and took my XXXX credit card into the XXXX XXXX in XXXX XXXX, to make sure that I went to a legitimate bank with a legit ATM to withdraw pesos.. Precisely to make sure that I did not go to a sketchy ATM on the street or one that charged exorbitant fees.
On the XXXX of XXXX I put my card into the machine and entered my pin number. The machine read the card chip and I entered to make a withdrawal in pesos, which amounted to $ XXXXusd.
The machine displayed a spinning circle on the screen after it accepted my withdrawal and then said incomplete transaction, would you like to try again? I then entered my pin again and attempted to try again to make the withdrawal in pesos and the same thing happened. The ATM displayed an error message and I received NO pesos with either attempt.
This resulted in 2 charges to my AA credit card that I am disputing.
I did not go to the XXXX XXXX to complain because I figured this was just an incompatibility and I had no indication that I would actually be charged twice on this card if I didnt actually receive any money, of course.
I do not have a receipt for the transaction ( s ) but I do know for a fact that I never received any money from a XXXX ATM in XXXX in XXXX of XXXX.
My assumption was that the ATM was out of money or there was another ATM issue causing me no receive the error message and to NOT receive the pesos requested and therefore I did not go to the XXXX XXXX to complain.
My XXXX statement clearly shows that on the same day, I received XXXX from a XXXX ATM ( which was located across the street and I successfully used immediately following the 2 failed attempts with the Santander ATM ).
My initial request was denied citing that my chip was read by the XXXX XXXX ATM. I am not denying that the ATM read my chip ; I am denying that Barclay released money to the XXXX ATM resulting in the failed attempt to receive money from the XXXX ATM.
I am requesting for a second time that I receive a full refund for the following charges : 1. my first attempt to withdraw pesos- {$420.00} 2. my second attempt to withdraw pesos- {$420.00} 3. transaction fee associated with my first attempt to withdraw pesos- {$21.00} 4. transaction fee associated with my second attempt to withdraw pesos- {$21.00} 5. all interest accrued to my account for not paying these incorrect charges - {$14.00} My first dispute on this was denied, I am now including this receipt of proof of my experience. I did not understand this and would expect to see proof of your transaction with the XXXX XXXX saying that they gave me the funds if this would be denied again.
I expect this to be looked at more closely this time and expect a full refund for the above charges to rectify this situation. If I am to be denied again, I expect to see proof that shows that funds left Barclay and were received by XXXX XXXX for the exact amounts described above on the dates in question. In that case, my case would need to be pursued with XXXX.
I assure you that I am not taking these charges lightly and that I will pursue this case until it is solved fairly. I look forward to your response. Please dont hesitate to reach out to me if there is anything I can do to help clarify. My cell phone is XXXX and my email is XXXX.
Thank you, XXXX XXXX XXXX Barclay customer since XXXX ( I then attached the bank statements below this letter showing the mischarges )
|
| 11/12/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I opened a XXXX XXXX XXXX account with XXXX XXXX XXXX that offered a fixed rate of about 4.5-5 %. I used and held this card until the present day. I still have the card but it is no longer with XXXX XXXX XXXX, no longer a fixed rate, and currently a variable rate at 8.24 %. The credit card account is now held by Barclaycard, is an XXXX XXXX MasterCard, and is a variable rate based on the Prime. I am uncertain when the fixed rate became a variable rate and have not been provided any details as to who made this change, when it happened, or why. Although I still hold the card, I have not used this card in years. The balance is based on purchases made when it was set at a fixed rate, however, I am charged higher fees on money that was originally borrowed on a fixed rate. I have never defaulted on any payments, have always paid my balance on time, and have always paid the minimum rate or more.
At some point, Barclay Bank took over my account. I called Barclay Bank in XX/XX/XXXX to ask when my terms and conditions changed with regards to my fixed rate and became a variable APR card as I noticed a significant increase in my percentage rate, and it was continuing to rise. The rate was 6.24 % on XX/XX/XXXX, then in XX/XX/XXXX became 7.24 %. The XXXX phone call notes state that a request was sent for the information of my terms and conditions that would help explain this change, but I do not recall receiving the information. I called again on XX/XX/XXXX to see about lowering my APR as it was continuing to slowly increase and to try to question again why and when the original fixed rate had changed. I also question how the bank could charge me a higher APR on money that was previously borrowed on a fixed rate. I was not given an acceptable answer. I called on XX/XX/XXXX and finally on XX/XX/XXXX. The following information includes details of this most recent phone call with both Barclaycard and XXXX XXXX XXXX banks.
My first phone call was to Barclay Bank on XX/XX/XXXX. I called XXXX. Barclay claims that my card had a change in terms and conditions in XXXX. Barclay claims this took place while XXXX XXXX XXXX was still holding my account. I requested a copy of the letter that explains why my terms and conditions changed, and I was unsuccessful with this request. Barclay claims they are unable to find any information regarding terms and conditions prior to XXXX and they do not have any information regarding the previous account from XXXX XXXX XXXX. According to Barclay, it is due to this change from XXXX XXXX XXXX in my terms and conditions that my fixed rate changed to a variable rate in XX/XX/XXXX. When I asked Barclay to provide me the information as to why this change took place, who made this change, and when was I notified about it, they were not able to provide me an answer. Instead, they stated that since the terms and conditions most likely changed with XXXX XXXX XXXX, I should contact them and ask them for this information.
Next, I called XXXX XXXX XXXX at XXXX and spoke with someone in the Security and Fraud department. It was communicated to me that all of my past credit card information was sent onto Barclay Bank when they took over the account and that the information I am requesting should be in the archives. She also stated that XXXX XXXX XXXX would not have changed the terms of a fixed rate card. My husband still has a credit card account from XXXX XXXX XXXX and it still holds a fixed rate of 4.5 % so I have no reason believe her statement is not true. Since XXXX XXXX XXXX does not have any information on my account any longer, the woman I was speaking with offered to contact Barclay on my behalf to explain where they should go to look for this information. I accepted this offer, she made contact, and explained to Barclay what to do. After she got off the phone, the gentleman I was speaking to from Barclay explained there was no information in archives or anything with previous account information and then made a comment that there were no terms and conditions on file what-so-ever for this card. I questioned this comment stating I currently have a card with this bank and I am looking at my most recent terms and conditions paperwork as we speak. Then he explained he has no information on my account previous to XXXX. I spent 49 minutes on this phone call alone.
Based on this information, I feel like I'm getting the run around, I question if Barclay is providing false information, and I still don't understand why I am getting charged more money on money borrowed when it was purchased on a fixed rate.
My husband contacted CFPB on my behalf to begin this process.
|
| 02/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
In XX/XX/2020 my husband purchased a round-trip ticket from Travel agency XXXX, with his XXXX Barclay 's ( {$640.00} ) for my mother who lives in XXXX.
In a matter of days, the COVID19 Pandemic was upon us and we received correspondence from the travel agency, XXXX, that we can cancel our ticket for a full refund, if that's what was our wish, due to Pandemic, new restrictions, countries closing borders, etc.
We confirmed with XXXX that we would like our money back as you can see is part of the correspondence with them below ; we've sent numerous requests to XXXX regarding our refund after that via email and via phone. Below is just part of the emails. Every time we were assured that our full refund is on its way, and it will just take " one or 2 billing cycles. " After a few attempts to get our refund and same response- we were growing weary and contacted the card issuer ( XXXX, Barclays ) to report potential fraud and dispute the charges. Barclay 's representative advised us to fax them all the correspondence and evidence we had with the Merchant ( XXXX ) and they will investigate. As a result, we received a letter a month or so later stating that Barclay 's decision was that we should try and resolve it with the Merchant and they closed our case?! After several phone conversations with Barclay 's, informing them again and again that the Merchant is not responding to our request, we paid for a service we never received, etc. it became clear that XXXX has never responded to Barclay 's inquiry either! I remember asking the representative, if the Merchant is not responding to you, what makes you think we'll have better luck now?! Then the representative said to send them ( Barclay 's ) all the paperwork and evidence AGAIN with a statement letter describing the issue so we can keep the case open and they can further investigate. Again.
We did what we were told, and received a letter back, advising us that the dispute we opened is now closed and we should try and work it out with the Merchant .... same response as months earlier!
I called Barclay 's again very upset, as we did everything they've asked - SEVERAL TIMES, and after a few conversations with representatives explaining how we are a victim of fraud, they regretfully informed us Barclay 's can not do anything to reverse that charge and will not refund us the amount. I pointed out that I have recently looked up XXXX of XXXX XXXX XXXX and it seems we are not the only ones that that Company has scammed in the same way as others, but the representative said again - nothing we can do because " the Merchant has not violated the terms. '' Which is absolutely the opposite - they took our money, did not deliver services/goods, proposed to us a full refund BUT are not issuing the refund and deliberately are promising it " within a few billing cycles ... " I believed there should have been a safeguard in situations, such as ours and filed a complaint with XXXX against Barclays - - as a result, I received a phone call from a Barclay 's representative, explaining to me that the reason why we can not get a refund is because we were outside of the " dispute window. " This was the very first time we've ever heard about a dispute window, and I reminded the representative that they've sent us numerous written correspondence without mentioning anything about this, as well as speaking with a large number of different representatives on the phone, and again - never once mentioning a certain time frame we had to submit a claim, supposedly. And that it had, supposedly, passed...
I asked her - why did you waste our time for over a year - going back and forth, and supposedly launched investigations, if we were not even in that " window.?! '' And potentially delaying us even more??
She just said she's very sorry but there's absolutely nothing XXXX can do for us... I requested to be connected with her supervisor, and she's said there is No one above her.. The person 's name is XXXX XXXX, Executive Specialist, Office of the President.
*It is all contradictory, as Barclays was encouraging us all this time ( and several times in a written form ) to contact the Merchant and try to resolve the issue ourselves, further delaying the resolution of the issue, the Merchant was promising refund and also delaying us, and in the end - because we followed the credit card representatives recommendation to wait and work it out, now all of a sudden we are " outside of the window.. '' We've tried XXXX a few more times- to no avail, they actually stopped responding to us. And now, we are in the 2nd year of the purchase of that plane ticket, still no refund.
|
| 11/18/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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-Started with XXXX XXXX XXXX US Airways card approximately XXXX - never missed a payment -Card portfolio was sold to Barclays bank as usairways card - approximately XXXX -US Airways bought XXXX XXXX in XXXX and transitioned cardholders to XXXX XXXX XXXX mastercard on approximately XX/XX/XXXX -I simultaneously moved to a new address on XX/XX/XXXX -Card was debiting my account automatically but then stopped without notice in XXXX of XXXX XXXXIn XXXX of XXXX, card was charged off without a call or notification -When I talked with the customer service department and tried to pay off the card, I was refused and hung up on repeatedly but I did determine that during the data migration to the new card, Barclays had captured an address that was approximately 16 years old, an email address that had not been used for 10 years and a phone number that was completely outdated and no longer in use -I repeatedly called back at least six times over the next year and was hung up on by servicing employees -Barclays never attempted to collect the debt, file a lien or attempt anything to recover the loss they created by their actions which is highly suspicious and unusual -They have incorrectly and I believe illegally placed a charge off on my credit record, refuse to accept payment and will not respond to any inquiry -The only thing they have done is to send my wife, who is/was not an obligor but an authorized user, a record of the bills -I retained an attorney in XXXX of this year to attempt to remedy the situation Here is a timeline of their interactions with Barclays servicing department : XX/XX/XXXX : sent letter to Barclays Bank Delaware legal department at XXXX XXXX XXXX XXXX, XXXX , DE XXXX with a signed authorization to communicate on your behalf XX/XX/XXXX : sent a follow up letter to legal department asking for a response, included copy of XX/XX/XXXX letter showing no response and same signed authorization XX/XX/XXXX : Called ( XXXX ) XXXX at XXXX XXXX, transferred to a " relationship manager '' at XXXX XXXX, told to fax letter to Attn : Correspondence Team at fax # ( XXXX ) XXXX with authorization to communicate included XX/XX/XXXX : Faxed letter, included copies of XX/XX/XXXX and XX/XX/XXXX letter and authorization, requested response as soon as possible XX/XX/XXXX : Called Barclays at ( XXXX ) XXXX at XXXX XXXX, spoke to XXXX who said she needed to connect me to a different department . A person named XXXX from the Barclays security department said she needed me to call back with a full SSN, full Barclays card number or phone number associated with the account in order to pull up Mr. in the system. Gave me their security department line # ( XXXX ) XXXX, ask for XXXX. ( This was due to a misinterpretation of his birth date on the authorization that was faxed to them, they thought the seven looked like a three for the month of his birth ).
XX/XX/XXXX : Called Barclays at XXXX XXXX ( XXXX ) XXXX with correct birth date. Spoke to a person named XXXX. He asked me what I needed at XXXX XXXX and said " do you just need the balance? '' and then the line became disconnected.
XX/XX/XXXX : Called Barclays back at XXXX XXXX Spoke to XXXX or XXXX ( female ), they located an XXXX XXXX XXXX Mastercard in their system and said the balance was {$43000.00}. Said no payments have been made on it so they could not send us a payment history. I requested they fax a statement to us showing the amount owed and gave them our firm 's fax number ( XXXX ) XXXX, she confirmed the number with me over the phone. She said the card was opened XX/XX/XXXX and was activated in XXXX. She was about to fax me a statement showing the amount when she said she had to transfer me to her supervisor. Then, she transferred me to XXXX XXXX XXXX which is a collections agency without telling me that's what she's doing. The guy I spoke with at XXXX XXXX XXXX stated that their firm does not handle Mr. 's account anymore. He said they were instructed to close it in XX/XX/XXXX on their end and send it back to Barclays for collection. I told him I was just on the phone with Barclays and they sent me to XXXX XXXX XXXX. He said yes, that's not unusual and to try Barclays again. He gave me a different phone number to try ( XXXX ) XXXX and said to push a specific number to get out of their automated menu.
XX/XX/XXXX : Called the number I received from XXXX XXXX XXXX to bypass the Barclays automated system ( XXXX ) XXXX. That number takes you to the military customer department and then keeps you on hold forever and disconnects.
XXXX, XXXX XXXX ext. XXXX | XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX http : //XXXX
|
| 12/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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My dispute began in XXXX of this year, 2022. I am a XXXX Rewards Member and I have theWyndham Rewards Earner Visa CC issued by Barclays in Delaware. On XXXX of XXXX I made areservation with XXXX XXXX for XXXX XXXX XXXX XXXX had points for 2 nights freeand 2 nights with points and money. I stayed at XXXX XXXX in XXXX AZ. I checked in on XXXX XXXX. I went to my room and found a man in the bathroom. I rushed right out of the room and went tothe front desk. I was so scared. I informed them and they told me no one else was assigned that room. Iwent back and the man was no longer there and this time I notice a stifling odor of cat XXXX. I went backto the front desk and told them that I need another room, I am terribly allergic to cats and I couldn'tbreathe. I had to wait for another room. They told me that it was the last room they had and if I was nothappy I would have to find another hotel. The next room smelled but definitely not as bad as the first room. This was the week before XXXX spring training and no availability for a hotel rooms anywhere.The rooms that were available would cost me an arm and a leg. So with no options I stayed reluctantly.Not only was the property a slum the parking lot was full of pot holes, the doors and grounds werefilthy, the toilet was unsteady when it was used and it would tip forward : (. I called XXXX and I gotno assistance! The cherry of this whole ordeal was that It took me and 10 other guests over an hour tocheckout. There was only I person answering the phones and checking out guests. I called and filed acomplaint with XXXX XXXX XXXX XXXX department. I insisted on a refund of my pointsand money. When I got my statement in XX/XX/2022 I was charged twice by XXXX XXXX, 2 differentamounts, {$220.00} for my 2 free nights and {$220.00} for the other 2 nights that should have been billed XXXX for my 2 free nights. I called the hotel, XXXX XXXX XXXXXXXX XXXX, and Barclaysto dispute the over charge and for a full refund. In my XXXX XXXX I was given a credit for my stayby XXXX XXXX for {$230.00} and a provisional credit of {$220.00} by Barclays. I thought that this was it butit wasn't. Barclays rebilled me on my XX/XX/2022 statement for {$220.00}. I filed a dispute to Barclays.Because they should have contacted XXXX and charge them for the Provisional Credit they hadissued me for the 2 nights that XXXX XXXX should have billed XXXX {$220.00} for my two free nightsthat I got with just points. The other 2 night I paid with points and money. I have filed dispute withBarclays and they won't contact the hotel because they charged me for the 2 free nights. It should havebeen billed to XXXX XXXX. It's been over 90 days since this entire ordeal and Barclays won'taccept theirs and XXXX XXXX XXXX mistakes. My balance should be XXXX but its not. I've overpaid my bill XXXX XXXX for {$29.00} so that It wouldn't affect my credit report. Unfortunately it has carried on for this longwith no resolution in sight. It has affected my credit report. I decided not to continue paying an amount Ido n't owe. They won't accept their mistakes. I paid off my entire balance in XXXX. I need Barclays tocredit my account for {$230.00} + overpayment of {$29.00} + interest + late fees. I should not be responsiblefor the mistake of these two companies. XXXX XXXX is the manager of XXXX XXXX were I stayed. XXXX from Barclays Office of the President said he couldn't credit my dispute beause it was over 90 days late. Barclays reported me to the credit bureau for being late over 90 days. I DON'T OWE THIS BALANCE. I've made over 55 calls to XXXX XXXX, XXXX XXXX, Barclays, I filed a complaint against Barclays with the XXXX of Delaware. PLEASE HELP ME! I have attached my billing statements from XX/XX/2022- XX/XX/2022. I should not be charged for anything from XXXX XXXX. I paid the XXXX XXXX {$110.00} & XXXX XXXX XXXX {$300.00}. I am adding that I was given a credit by XXXX XXXX for my stay and overcharge. I wasn't able to provide documentation from the hotel at the time. I asked them to forward that information to Barclay because I was UNABLE to get an email address to Barclays to attach this information. The hotel was unable to reach Barclays. They only take messages and promise a call back that never happens. I have a letter and email from XXXX XXXX. I was already credited for the stay, however the credit is not showing. They insist I never filed a dispute so I'm attaching an email from XXXX XXXX, from XXXX XXXX, a letter from XXXX XXXX advising Barclay of the credit they should have given me. I should have never been charged twice. Barclays has closed my account.
|
| 04/26/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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On XX/XX/XXXX, a friend and I attended a timeshare sales presentation at the XXXX XXXX XXXX XXXX ( XXXX ) in XXXX XXXX, during which we were induced to purchase timeshares as a direct result of the material misrepresentations made by the XXXX sales representatives. My friend and I are owners of separate timeshare properties through the XXXX XXXX XXXX XXXX ( XXXX ). We both advised the XXXX sales representatives that we were reluctant to purchase a timeshare property at XXXX because neither one of us had any interest in owning two ( 2 ) timeshare properties, respectively. The representatives told us that if we purchased the timeshare from XXXX, they would arrange for the sale of our current timeshare properties. In furtherance of that claim, the representative told us that he was going to immediately send XXXX XXXX XXXX ( {$10000.00} ) to XXXX towards the payoff of our respective XXXX contracts. However, he told us that we had to sign the purchase agreement first. Relying on this promise, we both signed our purchase agreements. He then left the room to purportedly send the XXXX XXXX XXXX ( {$10000.00} ) to XXXX. In addition, in exchange for the alleged {$10000.00} payment, we were required to waive the contractual rescission period.
As part of this fraudulent transaction, we were also required to make a non-refundable deposit, again, in exchange for XXXX making the aforementioned {$10000.00} payment to XXXX. To facilitate the payment of the deposit, we were was required to open a Barclays/XXXX credit card. XXXX XXXX XXXX ( {$4000.00} ) of a XXXX XXXX XXXX ( {$6000.00} ) down payment was charged to the newly opened account. I paid the remaining XXXX XXXX XXXX ( {$2000.00} ) using my debit card. ( I will address that issue in a separate complaint. ) I was told that I had Ninety ( 90 ) days to pay the remaining balance owed on the timeshare contract.
During the presentation, the XXXX representatives also assured us that XXXX had engaged a reputable timeshare resale company, XXXX, to sell the remaining interest in our XXXX timeshare properties. The representative told us that he had spoken to XXXXs representative and she assured him that XXXX would sell our XXXX timeshare in a reasonable period of time and remit the profits from the sale, if any, to us.
On XX/XX/XXXX, I received a poorly written one page document from XXXX at XXXX, which purported to be a Mutual Release. She instructed me to send the document to XXXX in order to start the process of selling my timeshare. The document was on plain paper without corporate letterhead and did not appear to be an effective means for transferring ownership given that it would require XXXX to release me from my obligations under my XXXX ownership agreement for the sum of One Dollar ( {$1.00} ). The document appeared to be nothing more than a fraudulent attempt to pacify me.
On XX/XX/XXXX, I contacted XXXX and was advised that XXXX never received XXXX XXXX XXXX ( {$10000.00} ) or any other sum from XXXX toward the payment of my XXXX contract as represented by XXXX representatives on XX/XX/XXXX, or at any other time. Moreover, the XXXX representative advised me that the Mutual Release document was wholly ineffective as a method to release me from my contractual obligation with XXXX.
Upon learning that I had been fraudulently induced into signing the purchase agreement with XXXX, on XX/XX/XXXX, I contacted XXXX and XXXX to advise them that I was rescinding the purchase agreement on the basis of fraud. The XXXX representative responded by claiming that the transaction was not fraudulent, that the purchase agreement was legal and enforceable, that the deposit was non-refundable, and that I had no right of recession. Notwithstanding her claims to the contrary, XXXX did indeed rescind the purchase agreement. XXXX never made any attempts to enforce the purchase agreement. Moreover, XXXX notified XXXX that it had closed my account effective XX/XX/XXXX.
I also immediately advised Barclays that the XXXX XXXX XXXX ( {$4000.00} ) charge arose out of a fraudulent transaction and requested that the charges be reversed and the account closed. Despite my many attempts over the course of almost a year and a half, Barclays declined my repeated requests. Notwithstanding the fact that on several occasions, I provided Barclays with ample documentation to support my contention that the charges arose out of a fraudulent transaction, Barclays sent the account to collections and eventually charged if off.
This matter has had a detrimental effect on my credit rating and caused me significant emotional distress.
|
| 08/18/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
This letter is in response to DENIAL on my claim, Case number : XXXX XXXX of account number ending in : XXXX. That I Initiated on XX/XX/2018 of a total sum of {$4500.00} due to me being a victim of FRAUD SCHEMES.
I have the legal right to a full and proper investigation under The Fair Credit Billing Act and The Truth In Lending Act Federal Law.
I do feel that my rights have been violated due to not receiving a proper and fair investigation under my circumstances. Barclaycard ( XXXX XXXX XXXX ) Has failed me by NOT conducting a reasonable investigation of my dispute accordion to the Law.
I called the Dispute Department on XX/XX/18 and spoke to a lady by the name of XXXX with barge # XXXX. I called because I realized that temporary credit that had been placed on my account while Investigating this claim had been reversed and wanted to get explanation to whyXXXX XXXX advised me that the reason why my dispute is been reversed is because they have had from the processor and they have said that I have received all my services that I had paid for. I let XXXX know that cant be true because a money processor cant know that kind of information. The roll of a processor is to process payments for a company that all. I continued to ask her for written document stating why my dispute was denied and also a document for the processor stating that I have received all my services. XXXX finished the conversation stating that I should receive a document by mail in 10 business day stating their findings and the processor.
I called back to Barclaycard ( XXXX XXXX XXXX ) XX/XX/2018 after receiving a letter in the mail explaining why my claim was denied but there was no document from the processor stating that I had received all my services. When I call it was the same lady XXXX with barge # XXXX who I talked to in my last call on XX/XX/18. I started explaining why I was calling. I talk about the letter that I received in the mail that is stating that a merchant has since supplied documentation that details what the transaction represented and also said that they had enclosed a copy of the documentation for me to review. When I brought this to XXXX attention that I didnt receive any document from the merchant with this letter. Now the story changed and she was trying to convince me that that letter was contradicting and that wasnt what it meant she continued to say that my claim was denied because I didnt fill it with in 60 days. When Insisted about wanting to receive the merchant documentation that they received so I can review them she stated that they DIDNT receive ANY DOCUMENTS FOR THE MERCHANT. I was so upset because I know I was been lied to and they hadnt full investigated my dispute and they were just giving me the run around so I can get frustrated and give up on my dispute. I did let XXXX know that I will be filling a complaint with CFPB because I was not getting the help deserve.
There is no way that a fair and complete investigation was contacted in this case. Barclaycard ( XXXX XXXX XXXX ) did not look into my claim and only made a lie that merchant had provided them with prove that I had received all services but when I ask them to provided me with that prove in writing so I can review it they were unable to do so and their reason for denying my claim changed to some this else. They have no intention of helping you there main goal is frustrating you to giving up the pursue of your claim. I was a loyal consumer of Barclaycard with no incident till this happened to me and am very shock of how they treat their customers.
I am a victim of fraud schemes and I purchased educational service ( which I though that would be beneficial to my life ) with XXXX that cost me over {$60.00} thousand of which I paid over {$4500.00} using this Barclaycard credit card. I paid the rest using other different cards and those credit card companies have been very helpful and understanding and some have give me a full credit after their investigation and others are still investigating my claims as I write this. I believe I have only dealt with Barclaycard regarding this matter three times and all those times were over the phone. The Initial time was on XX/XX/2018 when I first put up the dispute. The other two times were on XX/XX/2018 and XX/XX/2018 when I was following up on the dispute. Barclaycard never asked for any additional information about my claim either in writing or over the phone apart from the first interruption when I called in to fill for the dispute. So all their decision was based on my first call to them and had no other information on this case.
|
| 11/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I opened a JetBlue Plus Card in XX/XX/XXXX. My JetBlue Card is managed through Barclaycard ( Barclays Bank Delaware, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, Member FDIC ). When I opened the credit card account, I added my XXXX XXXX XXXX ( Routing Number : XXXX ) bank account as a payment method. I have a Checking Account and a Savings Account with XXXX XXXX XXXX, both of which are associated with the same bank account number.
When setting up a bank account through the Barclaycard online system, users are ostensibly given the option to select an account type as either " Savings '' or " Checking '' ( see " Barclaycard Bank Account Editing Page.pdf '' ). Nowhere on the account creation or editing pages ( or anywhere else on Barclaycard online system ) is there an explanation of the purpose of this dropdown menu. I assumed, as I suspect many other consumers would also assume, that this dropdown would allow me to select the bank account ( i.e., " Savings '' v. " Checking '' ) associated with the bank account number I provided that I wanted to use for payments. This seemed like a logical assumption given that many consumer bank accounts have checking and savings accounts that share the same bank account number. I did not consider at the time that this dropdown would serve no functional purpose and that Barclaycard would automatically withdraw payments from an account that I had not specified.
For the above reasons, I have often transferred money from my XXXX XXXX XXXX checking account to my savings account to ensure I would have sufficient funds to cover the payments made to JetBlue Card. However, Barclaycard has withdrawn from my checking account instead, regardless of the designation I provided in their online system. On two occasions, the transfers that I made to my savings account left my checking account with insufficient funds to cover a payment, as detailed in the file titled " XXXX Account XXXX.XXXX XXXX
On XX/XX/XXXX, I transferred {$2000.00} from my XXXX XXXX XXXX checking account to my XXXX XXXX XXXX savings account to cover a {$2000.00} payment to my JetBlue Card. Even though I had designated the payment to be withdrawn from my savings account, Barclaycard withdrew the funds from my checking account on XX/XX/XXXX, forcing my bank to automatically transfer {$1900.00} from my savings account ( on XX/XX/XXXX ) back to my checking account to cover the withdrawal. I was charged a {$5.00} withdrawal fee on XX/XX/XXXX, because of the automatic transfer.
On XX/XX/XXXX, I transferred {$2000.00} from my XXXX XXXX XXXX checking account to my XXXX XXXX XXXX savings account to cover a {$1900.00} payment to my JetBlue Card. Again, even though I had designated the payment to be withdrawn from my savings account, Barclaycard withdrew the funds from my checking account on XX/XX/XXXX, forcing my bank to automatically transfer {$1100.00} from my savings account ( on XX/XX/XXXX ) back to my checking account to cover the withdrawal. For a second time, I was charged a {$5.00} withdrawal fee on XX/XX/XXXX, because of the automatic transfer.
I contacted Barclaycard about the fees that were charged by my bank ( see " JetBlue Card XXXX XXXX XXXX' ), which appeared to have been incurred because of an error in Barclaycard 's online system. I explained the situation 6 times, before finally receiving an answer that addressed my core question. On XX/XX/XXXX, Barclaycard customer service informed me of the following : " The system does not have a way to differentiate between multiple accounts under one account number. The account type is not requested for the purpose of drafting from two different accounts under one account number, but for reference. When a payment is submitted, we submit the request to your bank and funds are paid. Please contact your bank regarding this matter, we are sorry for any inconvenience this has caused. '' It is my opinion that Barclaycard 's customer service on this matter has been completely inadequate and has not addressed my core concern. There remains no explanation on their website to make it clear that their online system can not differentiate between multiple accounts under one account number, which is common for customers with private bank accounts. It is my opinion that Barclaycard is responsible for these errors and should provide financial restitution to compensate me for the {$10.00} in fees that were incurred because of their misleading online form for entering bank information. Additionally, I suspect that this issue has also caused other JetBlue Card holders to be incurred unnecessary fees at no fault of their own.
|
| 02/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
Based on a misleading promotion and based on a promise made to me by a representative, I am asking for a courtesy removal of the late payments reported to the credit bureaus for XXXX and XX/XX/2021 due to an outstanding balance of {$34.00} at that time which was paid off.
History/ Background In XX/XX/2021, Barclays had notified me of a new promotion where I could use my earned travel points towards restaurant purchases made in that month. Although I hadnt used the card recently, I took advantage of this promotion and made two purchases during that month. The first one I successfully redeemed with points, but the second one it wouldnt allow me to, even though it was made during the promotion month of XXXX.
I contacted Barclays about the issue, but they refused to honor the promotion, despite it not being clear that the point redemption had to be in XXXX ; I thought only the transaction had to be in XXXX. This was frustrating, since this promotion is why I made a purchase at a restaurant, especially during challenging COVID times when my travel business was still seriously impacted and I had no income. I closed my account in frustration, and to avoid any further surprises. I also waited to hear back from a manager for a fairer resolution but never did.
Between the closure of my account and waiting to hear back from a supervisor, the contested balance of {$34.00} was not paid in time. Barclays reported this late payment to the credit bureaus, which came to my attention in XXXX. On XX/XX/XXXX, I called Barclays customer service and spoke with the agent XXXX, employee ID : XXXX. He said there was no flexibility in waiving the balance, only late payment fees & interest which had accrued. Although I was disappointed with the resolution, I offered to pay the remaining balance ( {$34.00} ) with the understanding that Barclays would remove the late payments reported to my credit reports, which he agreed to. I therefore paid the final balance online within the day.
The late payments continue to show on my credit reports, and its impact has been significant, reducing my credit score by 60 points, which I believe will last 7 years and potentially cost me thousands of dollars on future loans. This seems like a very severe punishment given the circumstances and the small amount in question ( {$34.00} ), and I request that Barclays remove any late payments reported to the credit bureaus this year related to this issue. My phone calls and emails to customer service, the Credit Department, and Executive Office have been unhelpful and largely unresponsive. After many months of persistent follow-ups, they investigated and refused to change anything, without adequately providing me proof of the promotion being fair or of my conversation with the representative.
Reasons for Removal of Late Payments from Credit Report Here is a summary for why I hope you can accept this request : 1 ) As promised as part of my payment of the final balance The last representative, as described above, indicated that it would be removed if I paid off the balance, which I did.
2 ) Barclays Promotion which directly led to my purchase had confusing or inaccurate terms As described above, I genuinely believed my Barclays reward points would cover the purchase related to the late payment and was the only reason I made the purchase. Although I eventually paid out of pocket for the purchase, it seems unfair that I would be so severely punished on my credit score for a promotion that I believe Barclays did not promote accurately or at least clearly.
3 ) Financial Hardship My income is directly related to the small business I own in the travel industry, which had been severely impacted by COVID-19. The rewards promotion was the only reason I made the purchase, and even though I eventually paid it, the long term impact on my credit score and ability to secure a mortgage and other loans for the benefit of my young family seems unnecessarily harsh and punitive.
4 ) Perfect Record for Payments I have never had a late payment with Barclays cards, or any credit cards. This situation was specific to the circumstances described and does not accurately reflect my trustworthiness or my commitment to meeting my credit obligations, which I take seriously. Therefore, removing these late payments that BARCLAYS chose to report would not decrease the integrity or value of the credit reporting system.
Given the circumstances described above, I request that Barclays remove the late payments from the 3 credit bureaus to resolve this ongoing situation in a fair way.
Thank you.
|
| 02/20/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
We would have never bought the first XXXX XXXX points, which we could afford, knowing it was worthless. Buying an addition XXXX points, only because we were deceived, is unethical and fraudulent. We want a refund for both the purchase of XXXX and XXXX points due to deceptive sales practices by XXXX sales agents XXXX XXXX and XXXX XXXX.
We were deceived into buying the XXXX points because they are too few to travel with a family of XXXX, as the second XXXX sales agent XXXX XXXX informed us. She was correct because we can not find any availability for a family of XXXX in the XXXX which is where we specifically said we wanted to travel.
XXXX points purchased XXXX XXXX XXXX XX/XX/XXXX in Florida Purchase Price : {$20000.00} Sales agent : XXXX XXXX ( Commission Number XXXX Down Payment : {$6300.00} charged to our XXXX credit card A Barclay was opened for the second purchase.
Barclay did not sell the points, but members do not know who their lender is because XXXX services the loan, and you cant select a timeshare company from the CFPB drop down menu. I believe this is by design to prevent complaints and to allow Barclay, fully aware of the volume of complaints, to dismiss the complaint.
At the second presentation we attended after buying XXXX points, we were told the XXXX points we purchased were worthless. We had our XXXX kids with us when we bought XXXX points. The agent knew we needed a unit big enough for XXXX children. We were held for seven hours. They put our kids in a room to watch TV, but after a while they were miserable.
We were tricked into buying XXXX and then XXXX points. At the time we purchased the XXXX points, we were never showed what resorts were available at XXXX points because sales agent XXXX XXXX said the system was down. Her supervisor assured us XXXX points would be enough to stay in the XXXX. Staying in the XXXX was why we purchased the points. I tried to access the site but the site was inactive until after the rescission period.
We were being charged a one-time assessment fee. We have no idea what the special assessment is for. ( Note : As of XX/XX/XXXX the $ {$4000.00} assessment was reduced to {$2600.00} XXXX.
XX/XX/XXXX we attended an Event of a Lifetime At the XXXX presentation, purchased XXXX additional points.
Attended new member orientation at XXXX XXXX Sales agent name : XXXX XXXX ID # XXXX XXXX XXXX said she didnt know how we could have purchased XXXX points because the minimum is XXXX as directed by XXXX that bought XXXX and we said we could not afford any more than the XXXX we already owned. In the XXXX XXXX XXXX, ( which no one would have time to read after a seven hour presentation, told you can not take the contract to review as you have to buy right then ) it says the minimum number to purchase is XXXX. This was another lie.
{$3500.00} was charged to a Barclay card {$5100.00} on a XXXX XXXX card. Both charges have been disputed.
XXXX points purchased Purchase price : {$43000.00} Down Payment : {$8600.00} Amount financed : {$49000.00} Loan Balance : {$60000.00} Sales agent XXXX XXXX said we were flagged. She said we could buy at the same price as XXXX. She said we had to be Silver or it would take us three years of adding up XXXX points before we would have enough points to take a XXXX vacation. She also said her system was down but I could call her when we wanted to book a vacation. She mentioned that the new company that took over XXXX XXXX XXXX XXXX was a transaction they were not supposed to talk about how the price per point was changing. We did not have access to our account for this purchase of XXXX points until after that rescission period either.
Sales agent XXXX said the XXXX points we originally purchased were a waste. She said we needed to buy XXXX points to be Silver. It felt like we had no choice. All the numbers were on a piece of paper, but they took it. This took seven to eight hours.
We were told to take out a home equity loan to try to get a lower interest rate. We can not do that. The agent said we would be able to deduct the interest off on our taxes. Our accountant said we can not do that. XXXX sales agents should never assure buyers they can get a home equity loan. They said we could easily get a personal loan as well. Our credit union will not touch a timeshare and we do not have enough equity in our home to arrange a home equity loan.
The actions of the two sales agents were criminal. We are devastated. The stress of being victimized by financial fraud has taken its toll. We did not have access to our account until last week.
|
| 05/04/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
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Violation of Federal Credit Reporting Act : Denied Right to Receive Copy of Credit Report After Denial.
Fraud : Deliberate Policy designed to prevent access to pay bills Contract Fraud : Deliberate policy designed to get customers to miss out on offers included in a contract.
Issues relate to companywide policy, albeit one that would only affect a small ( likely 1-10 % ) p ercentage of customers and likely why they have n't had an issue with regulators yet. **Request for formal investigation by CFPB and not just a forwarding of complaint for company response. ** In recent call ( dated : XXXX 2017 ) with Barclays credit card services, it was made clear to me that Barclays has made a couple of policies that violate federal law.
Pertinent Facts 1 ) Barclays like almost all banks use a third party servi ce to verify identification for the purposes of identifying possible fraudulent activity. There is no issue with doing that, but all of those services ( XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , etc. ) store information on American Citizens for financial transactions and therefore qualify under the Federal Credit Reporting Act.
2 ) One of the areas where Barclays will deploy questions from this service is when anyone uses their credit card balance transfer system. The credit reporting agency Barclays contracts for verification clearly had some incorrect information on me. That triggered a fraud block.
Fraud and Breach of Contract Agreements 1 ) Upon calling into Barclays the ban k required that I provide front and back copies of drivers license and social security card via regular mail to Barclays XXXX XXXX to release the account. Several attempts to get Barclays to agree to verbal verification by answering as many questions as needed were blocked by represen tatives. Attempts to get requested information to Barclays via other quicker or more secure methods such as fax, secure email, upload to secure system, etc. were turned away.
2 ) This act is a breach of contract of all Barclays c ard agreements as this removes access to their accounts for an unreasonable amount of time. This can trigger forced late payments by preventing access to pay accounts when needed. This can also prevent access to account for needed funds. Barclays should be able to conform to what is essentially the industry standard of same day verification in one form or another.
3 ) The only rational purpose for demanding an insecure slow mailing of document verification by Barclays is the deliberate attempt to cause cardholders to go past payment due dates while their accounts are restricted or go past promo periods on special offers that the customer took out the account to obtain. I f Barclays motivation for the documents was to prevent fraud and not to deliberately restrict accounts that Barclays would provide a more secure and quicker method of submitting requested documentation.
Violation of FCRA 1 ) During discussions with Barclays representatives and department supervisor, all individuals stated that it was against Barclays policy to provide the name of the third party credit reporting agency that supplies Barclays with its verification information. 2 ) Their companywide policy to deny cardholders and myself the name of the service prevents everyone from being able to request a copy of their credit report from that agency and correct errors on it su ch as : " Heigh on your Driver 's License '', " Previous Address 's '', " Date of Birth of F amily Member '', etc. Their failure to disclose their provider prevents consumers from exercising their right to challenge information in their credit reports which is a direct violation of the Federal Credit Reporting Act. 3 ) Failure to provide the name of the service providing the information also violates the FCRA with respect to the right to copy of a credit report after a denial of credit or any adverse action. Prevention from completing a credit transaction on the website is a denial of credit. Prevention from completing a balance transfer is a denial of credit. Prevent of accessing the website of a credit card and blocking the credit card in its entirely is a denial of credit. The reason for the denial is a vendor that is considered a Credit Reporting Agency under the FCRA therefore, they have to provide a copy or at least the name of the supplying organization so that consumers can correct incorrect information. I recorded the call. I can provide a copy to the CFPB on request if it helps in their investigation.
|
| 11/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I opened a case on XX/XX/2022, for a dispute on a transaction with the merchant XXXX. The reservation was booked on XX/XX/2022, for {$460.00}. The reservation dates were XX/XX/XXXX to XX/XX/XXXX. XXXX had booked the wrong dates for my reservation, and I attempted to change the reservation before my trip to the correct dates, which were XX/XX/XXXX to XX/XX/XXXX. Still, they could not help me after several days of trying to resolve the issue. XXXX stated that they could not contact the hotel, so they could not do anything about it, even though their system booked the wrong dates for my reservation. I ended up booking a different hotel for my trip and did not use the reservation booked with XXXX.
As they mentioned, the only way to resolve the issue was to submit a dispute with my credit card company and not use the reservation. The reservation was never used, as that was the solution I was given by XXXX, as they could not contact the hotel to change the reservation to the correct dates. I ended up booking an utterly different reservation for my accurate travel dates. After the trip, I called and submitted my dispute for the transaction on XX/XX/XXXX. I was told that this would take some time for the merchant to respond to the disputed transaction. In XXXX, I received a call from Barclay XXXX XXXX XXXX XXXX XXXX, which I missed due to my busy schedule, but I immediately called back when I saw the missed call. A representative from Barclays mentioned that they had XXXX days left pending for the merchant to respond and that they would call me back with more information. The second call I missed due to my schedule, and the dispute team closed my case due to failure to contact me & quot ; Several times & quot ; when I only missed XXXX call. As the first XXXX, I reached back to the dispute team. It is exceptionally unacceptable that Barclays would go ahead and cancel my dispute for missing XXXX call without reaching out differently, like E-mail, Text, Mail, or even a voice mail, and giving me a timeframe to send my proof for the dispute. It is unfair for a consumer and a customer of Barclay XXXX XXXX XXXX XXXX XXXX not to get the chance to defend the disputed transaction by showing evidence for the conflict. After seeing my case was closed, I called Barclays again and was told to submit a letter through fax to reopen my claim. I submitted that faxed letter that same day but never received a response from Barclays. I called Barclays again and was told they never received my letter. To fix the situation, I submitted yet another faxed letter to reopen my case, including all documentation of conversations between myself and XXXX. Barclays finally received my information and then went ahead and reopened my case. They did not ask anything from me, and no one ever contacted me after reopening the case. I constantly called Barclays to stay updated on my case, as they never called me to tell me anything. Every time I called, they kept telling me they were reviewing the dispute and that it would take more time.
On XX/XX/XXXX, I received a letter from Barclays stating they had closed my case AGAIN due to the current time difference between the date of the transaction. It was utterly astonishing and unfair as a customer, as I submitted the dispute right after the booking reservation On XX/XX/XXXX, right after the reservation had been completed, just as I was told. So, there is no scenario where I started this dispute after the 60 days stated by XXXX that a consumer is allowed to submit a dispute. I called Barclays again on XX/XX/XXXX and was told by a representative that they had closed my case, that I had to deal with the transaction with the merchant, and that they could not do anything about it. They could see through my proof of several days of trying to resolve the situation with the merchant that this was not an option for me. They told me to resend another letter for the third time to reopen my case and submit all my documentation again. It cost me XXXX XXXX to fax all the documentation at XXXX to Barclays for them to review and accept my dispute. They are telling me the only way to resolve my issue is to resend everything and go ahead and pay for another FAX for all this information. I am exhausted of this claim as Barclays has me going around in circles. They have no interest in protecting their customers, especially those who spend XXXX XXXX XXXX annually through their services, and always stay up to date in paying off balances. It is unacceptable for a company like Barclays to treat its customers this way.
|
| 08/13/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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|
Web |
Servicemember |
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We have timeshares with XXXX XXXX XXXX. We pay our maintenance fees using one of their sponsored credit cards from Barclay Bank on a monthly basis. The card is called XXXX XXXX XXXX XXXX Card.
Our maintenance fees are charged from XXXX XXXX XXXX to the Barclay credit card. As of today, XX/XX/XXXX, we went to verify the XXXX XXXX XXXX XXXX Card Statement for XX/XX/XXXX to make sure the auto payment from our XXXX XXXX XXXX account to Barclay-XXXX was correct. It wasn't, it incorrectly asked for two months charges on one billing cycle.
We called Barclay US and talked to an agent in the XXXX, who told us the charge was correct because of the billing cycle, that doesn't correct the problem because we will end up paying double or a month in advance of the real billing month.
For example, we were billed in XXXX for our XXXX maintenance fees, with payment due date XX/XX/XXXX. That was paid on XX/XX/XXXX through the XXXX Online Bill Pay program and on XX/XX/XXXX we were charged for our XXXX maintenance fees, by the Barclay XXXX XXXX Credit Card, due on XX/XX/XXXX.
The Barclay XXXX XXXX Credit Card Statement for XX/XX/XXXX, shows the previous months balance ( XXXX ), the payment received on XX/XX/XXXX ( XXXX fees ), and the new charge for XXXX maintenance fees, due on XX/XX/XXXX. Statement is correct.
We paid the Barclay-XXXX XX/XX/XXXX bill, through XXXX XXXX XXXX XXXX XXXX with eBills coming from Barclay. Our records indicate that eBill for Barclay's-XXXX XXXX XXXX Credit Card , due on XX/XX/XXXX, was paid on XX/XX/XXXX.
The Barclay XXXX XXXX Credit Card Statement for XX/XX/XXXX, shows the the previous months balance ( XXXX ), the payment received on XX/XX/XXXX, but now our charges are doubled, due on XX/XX/XXXX.
We do not desire to pay double or pay in advance. We pay our credit cards monthly balances in full so we don't pay interest fees or penalties. If we don't pay what Barclay is asking for this month ( XX/XX/XXXX, due XX/XX/XXXX ), Barclay will be able to charge us interest charges at over 20 % on the next billing. That is stealing. STEALING.
Barclay contends that the charge is not doubled or advanced payment and refuses to correct or adjust the billing. Their agents put us off several times and told us they would not help us but would have somebody call us in the next 24-48 hours. But we have paid all of our bills correctly and on time. So, why should we be sitting here getting punished for something we haven't done wrongly on.
Further they state that billings coming from XXXX are coming two in the same billing cycle which is causing this to happen. We contacted XXXX Financial Services to inquire if they were double charging us. That is not correct, our payments are on time and accurate. XXXX does not know what is causing this double payment. They told us our balance is XXXX for the month of XXXX, meaning we will be billed in XXXX, for XXXX 's maintenance fees, on the XXXX of the month.
We checked XXXX for payments on this account and verified that all the bills on this account have been made on time and accurately. We can not understand why agents with Barclays can disregard our understanding of a doubled figure for the monthly billing when they should have records of this also.
Additionally, we have two other credit cards with Barclay, both are promos being used to buy XXXX Products. Both the other two credit cards are on a minimum payment schedule in order to pay off the XXXX products within a time frame to avoid interest fees. We have placed both on auto-pay with XXXX also and receive eBills from Barclay-XXXX. These two cards are paid monthly based on their balance, paying more than the minimum required to avoid interest fees. Both are handled on time and accurately by XXXX Bill Pay program.
We are asking that Barclay 's and XXXX come clean in their way that they have handled this. We are not cheats and desire to pay our bills on time and accurately but it is bothersome for big institutions such as Barclay 's and XXXX to look to scrape us for extra monies when we live on a fixed income. Barclay 's agents were not willing to go over all our documentation and find an error, one agent hustled over their data and would not be questioned on what was happening.
We have been cheated since XXXX by XXXX and Barclay 's Bank only helps them to cheat more. Our payments are on time and accurate. Barclay 's needs to show us the documentation that we haven't paid accurately and on time. Why do we have to pay double for XXXX, XXXX, maintenance fees, due XX/XX/XXXX.
|
| 04/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I bought 8 phones from XXXX XXXX and XXXX XXXX has claimed they never received 3 out of the 8 phones I sent back for returns. XXXX refused to help me for the three missing phones, so I got my Barclay 's Bank involved. I have been dealing with these cases since XX/XX/XXXX. My case IDs with Barclays are the following : XXXX, XXXX, XXXX, XXXX. Barclay 's closed my case XXXX without notice or reason on XX/XX/XXXX with no manager callback as requested. I have provided evidence with tracking numbers of all the phones that were returned back to XXXX and signed for, but the bank keeps closing my case without explanation & warning.
4 separate transactions were made to the XXXX XXXX. Each phone cost {$470.00}. I bought two phones each on these dates : XX/XX/XXXX ( Order ID : XXXX ) XX/XX/XXXX ( order ID : XXXX ) XX/XX/XXXX ( Order ID : XXXX ) XX/XX/XXXX ( XXXX ) Four transactions of XXXX because 2 phones were bought within each transaction.
I only won 1 case with Barclay 's for the total amount of one phone ( XXXX ) but they refuse to refund the last XXXX because they saw a refund from XXXX that did not pertain to the correct transaction. They failed to see that I ordered eight phones in total but I have all documentation which phone was refunded and which phones were not refunded.
The phones that were NEVER refunded to XXXX were the following : Phone 4XXXX XXXX XXXX XXXX XXXX ( Unlocked ) - NO REFUND, DELIVERED ON XX/XX/XXXX XXXX # : XXXX / XXXX : XXXX Tracking ID XXXX : XXXX Phone 5XXXX XXXX XXXX XXXX XXXX ( Unlocked ) - NO REFUND, DELIVERED ON XX/XX/XXXXXXXX XXXX # : XXXX XXXX XXXX XXXX XXXX Tracking ID XXXX : XXXX Phone 8 - XXXX XXXX XXXXXXXX XXXX ( Unlocked ) - NO REFUND, DELIVERED ON XX/XX/XXXXXXXX XXXX # : XXXX / XXXX : XXXX Tracking ID XXXX : XXXX Barclay 's keeps closing my case without reason and the agents keep telling me different information saying a manager will follow up with me, but no manager calls me back and they change their story saying I missed the deadline to submit more evidence. The last time I submitted my evidence was XX/XX/XXXX and the Manager, XXXX, told me to call back on XX/XX/XXXX. I called back on XX/XX/XXXX but no manager had followed up with me & blamed their faulty server for not calling me back. They claim to have no record of a manager call back even though I have the exact call log on XX/XX/XXXX at XXXX & the case ID for a manager 's call back - # XXXX. I waited until Monday XX/XX/XXXX for the final callback, with no callback. So I reopened the case to have a manager call me back. I called back today, XX/XX/XXXX and the representatives claim there was no case opened for a manager call back.
The resolution I want is my {$950.00} returned back to my credit card. Please note all tracking numbers for all 8 phones. If I was refunded for a phone, I do note that I was refunded. Since Barclay 's only got back one phone cost ( {$470.00} ), the remaining cost would be XXXX ( the other two phones XXXX has lost, themselves ).
Here is a summary of all phones and their tracking numbers. If a phone was not refunded, it will say so. I have also attached a PDF of this letter.
XX/XX/XXXX Letter of Intent Dear Barclays Dispute, Case ID : XXXX, XXXX, XXXX These are my tracking numbers for all the phones that I purchased and returned back to XXXX. Manager XXXX instructed me to provide all 8 XXXX numbers and tracking numbers.
Phone 1 - XXXX XXXX XXXX XXXX ( Unlocked ) - REFUNDED ON XX/XX/XXXX XXXX # : XXXX XXXX XXXX : XXXX PHONE 1 - Tracking ID USPS : XXXX XXXX XXXX XXXX XXXX XXXX Phone 2 - XXXX XXXX XXXXXXXX XXXX ( Unlocked ) - REFUNDED ON XX/XX/XXXX XXXX # : XXXXXXXX XXXX XXXX : XXXX PHONE 2 - Tracking ID USPS : XXXX XXXX XXXX XXXX XXXX XXXX Phone 3 - XXXX XXXX XXXXXXXX XXXX ( Unlocked ) - REFUNDED ON XX/XX/XXXX XXXX # : XXXXXXXX XXXX XXXX : XXXX Tracking ID XXXX : XXXX Phone 4XXXX XXXX XXXX XXXX XXXX ( Unlocked ) - NO REFUND, DELIVERED ON XX/XX/XXXX XXXX # : XXXX XXXX XXXX : XXXX Tracking ID XXXX : XXXX Phone 5- XXXX XXXX XXXX XXXX ( Unlocked ) - NO REFUND, DELIVERED ON XX/XX/XXXX XXXX # : XXXX XXXX XXXX : XXXX Tracking ID XXXX : XXXX Phone 6 - XXXX XXXX XXXX XXXX ( Unlocked ) - REFUNDED ON XX/XX/XXXX XXXX # : XXXXXXXX XXXX XXXX XXXX XXXX Tracking ID XXXX : XXXX Phone 7 - XXXX XXXX XXXX XXXX ( Unlocked ) - REFUNDED ON XX/XX/XXXX XXXX # : XXXX XXXX XXXX : XXXX Tracking ID XXXX : XXXX Phone 8 - XXXX XXXX XXXX XXXX ( Unlocked ) - NO REFUND, DELIVERED ON XX/XX/XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX Tracking ID XXXX : XXXX
|
| 12/21/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
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|
Web |
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I'm writing this complaint in regard to an adverse action letter I received concerning a consumer credit application I submitted to Barclays on XXXX XX/XX/XXXX, Pursuant to the FCRA, as a consumer, accuracy is defined as the measure of value ; value is something only a natural person or human being can measure. Fair to me means no one is taking unjust advantage of another. Congress talks about accuracy and fairness, theyre asking me as a consumer to decide whether my consumer report is valuable to me ; and whether I feel like I am receiving a just advantage or no one is taking unjust advantage against me. I have reasons to convict Barclays of one count of taking unjust advantage against me on XX/XX/XXXX XXXX according to 15 usc 1681m the adverse action section in the Fair Credit Reporting Act is that it never mentions a denial of credit. It only mentions being denied for insurance or employment. Why does it not ever mention being denied for credit? The answer is in Truth In Lending Act ( TILA ). I am aware that there was a finance charge involved in the transaction which is the sum of all charges. I can not be denied credit because I know that I have an open end credit plan, which I administered and extend/originate myself credit to make them a creditor/debtor to extend me my own credit. I am the consumer and only a natural person grant such rights. This is why adverse action does not mention being denied for credit because Congress knows the truth, financial institutions dont loan money because there hasnt been any in circulation since XXXX and also pursuant to 12 USC 83, banks are prohibited by law to make loans or discounts on the security of the shares of its own capital stock. According to 15 USC 1681m ( C ) ( ii ) ( I ) Information referred to in subparagraph ( A ) - does not include- information solely as transactions or experiences between the consumer and the person furnishing the information. They are found to be in violation labeled Exhibit A. This is not a request, I am granted the right to credit under my open end credit plan which I am administering.Pursuant to 15 USC 1681m The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any INSURANCE, existing or applied for, in connection with the underwriting of INSURANCE ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer. The law did not mention any denials of credit but does mentions denial of insurance or employment. The application I submitted to Barclays was a consumer credit application. Pursuant to 15 usc 1602 ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Does this not mean that I granted the right to Barclays as the debtor in this transaction to incur debt and defer its payments? so why am I being denied for CREDIT that I am granting? I did not apply for insurance or employment with Barclays. Every consumer credit transaction includes a finance charge. a finance charge is defined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit pursuant to 15 usc 1602 ( j ) - The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance.Im granting the right as the original creditor to open, my open-end consumer credit plan.
copies of the federal laws will be uploaded labeled exhibit b, c and d
|
| 09/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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I have a Barclay card that has been CLOSED for 3 years. I am on a special program for 5 years which I pay XXXX a month via automatic draft. I have not missed a payment in the last 3 years due to me having automatic draft. I received an email because I am an paperless customer that my payment went to XXXX on XX/XX/2018. So I immediately called Barclay and was told that I need to make a payment of XXXX on my account. I was told that the program I am in you have call every year to renew the automatic plan I am in. They said they mailed me the information. I proceeded to tell them that I am a paperless customer and I didn't receive the info only an email of higher payment. The first representatives told me I was 30 days late for XX/XX/2018 and they were reporting it to the credit bureau. She told me if I renewed the the 12 month automatic payment then it wouldn't report 30 days late. I told her I was informed in the past the only way you could be in the five year program is to have automatic draft. I never received anything to renew this automatic draft. I proceed to ask how am I 30 days late if i made a payment on XX/XX/XXXX and it was XX/XX/XXXX. They told me I was past due from 3 years ago which all of my statements I receive says amount due XXXX no more or less. I asked if you were reporting it they not if you sign up for XXXX more months so I did that an made a XXXX payment on this call. I called back and asked can I get the 30 day late payment removed due that this was the only time in 3 years and due to the fact that information was not given to me about my account the way they were claiming. I informed them that I have been approved for a home and I am closing soon and I can not have any late payments and this would result in me and my family being homeless. I was told to write a letter to them which with the time for closing I do no have. I called back on XX/XX/XXXX at XXXX am and asked the Rep XXXX for a letter stating I am on a five year payment program because my lender asked for it. I told him because that Barclay is reporting me incorrectly. XXXX reassured me that the info given was 100000 % incorrect from the previous agents that I was given on the phone and that my account was fine. XXXX also told me that he worked for the company for 5 years and that he can promise on his life that Barclay would not be reporting anything and my account was not reported. He apologized on Barclay 's behalf and took my number for a supervisor to call me because he said it was absurd and shouldn't have happened to me and they were wrong and he repeated all of my info and said he didn't see anything about reporting and the account was perfect and gave me his name and said he was the only Person named XXXX and that he was going to update my notes in my account. After the phone call with XXXX I received an notification from my credit app that Barclay indeed reported me 30 days late. I then called back and was on the phone with 30 different people for a total of 2 hrs that all told me different things. 3 of the 4 told me that XXXX was right and Im fine and to write a letter and I couldn't not speak to the credit department because they don't deal with phone calls. The fourth person said he wasn't sure and that he saw XXXX note and that he would put a request in about listening to the recorded calls. I emphasized again that I will be HOMELESS if this isn't fixed along with my family due to their error. I called the Presidents office at this point and they did an investigation. He called me back XX/XX/XXXX or XX/XX/XXXX and told me that they can not remove my late payments. He apologized and said yes I was told wrong information by all of their employees and that they would talk to the employees about their doing. This doesn't not benefit me only Barclay, to help themselves and future customers not me. He was apologizing and said they could not do anything and said sorry. I yet again said sir its an error on you company behalf. I was told information by 4 different employees and you can not remove one late payments due to the fact of the employees giving me wrong info that my account was current and on time. The 30 day late payment being wrongfully reported resulted in my credit score going down 50 pts with each bureau. Barclay lies will result in me being HOMELESS and not being able to get the home for my family but also not even an apartment that I already didn't renew the lease because of me getting ready to close on the home because of their wrong information.
|
| 07/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Hi. Good MORNING, sir! my name is XXXX XXXX. My social security last 4 digits XXXX and My card number is XXXX .my address is XXXX XXXX XXXX, XXXX XXXX, XXXX , NY XXXX. I am one of Barclay 's credit card customers. it's really very shameful that I am complaining but I don't have any other choice. first of all, every credit card company has a protection policy for their clients. if you don't receive an item or some fraudulent transaction happened the company will protect their clients. anyway, long story short. a few months ago I bought a watch from XXXX and I strongly requested them during package delivery, the sign is mandatory, and also the seller agreed with my request but a problem arises when XXXX without delivering the item they said they delivered and signed by XXXX. which completely false so I called XXXX and ask them to provide me a digital copy of my signature. the XXXX representative was saying that sorry, there is no significant image because the driver released the item by himself then I asked him why the driver lied on the proof of delivery paper that signed by XXXX ( me ). he has no right to leave my packets without signature where it was mandated. he said you can ask for a refund of your money from the seller and the seller should contact us for reimbursement also we will contact you later. ok. right away I sent an email to the seller that why didn't send my watch with a signature upon delivery but the seller responded that they didn't send the item without a signature. I was so upset. later I informed my credit card company that my item didn't deliver so hold this transaction. in the meantime, I informed the seller that XXXX told me to call them for reimbursement because without delivery of the item they said they did also falsely calm signed by me. I also said I already let them know ( credit card company ). after that, I uploaded proof of all documents for dispute transactions. everything was normal. the seller said they contacted XXXX and also wanted to know if I have any updates. I said no, and I said to them please don't waste your time apply for compensation. on XX/XX/2021 I have learned that Barclays card charged me XXXX dollars which were under investigation. I couldn't believe it so I called the service center at XXXX XXXX at XXXX and he said to me to dispute through the online. I did. I have attached every single correspondence here. a few days later I got a mail from my previous landlord, which was from Barclays. where it was mentioned that if you want to dispute this transaction, please respond within 10 days by fax or mail. I faxed before when I first contact customer service at midnight but I faxed again. after that I called to make sure that they got my fax but the representative said they didn't get it so I asked how it's possible I sent it on last night. she said no problem please check on Monday then I said the letter mentioned within 10 days and 8 days already passed. she said no problem. ok. I called them on Tuesday XX/XX/2021, the first one said one statement, and another one said another statement. if listen to 50 minutes recorded conversation then you would know what she said. I contact them again on XX/XX/2021, now she was saying a decision has been made on XXXX then I asked her, what? I didn't get any email or mail or secure message, she said no problem, I going to reopen this dispute again, and you will get a mail within 7 to 10 days also I asked if this happens like before again then what should I do. she said it won't be repeated. ok. again I called them yesterday ( XX/XX/2021 ) this time my case has been turned completely 180 degrees. she was saying the case is closed, I REPLIED wait a minute. I just spoke 2 days ago she opened the case and gave me the case number. cis XXXX now, what are you talking about? She said the case is closed and it can't be reopened again. I was thinking that perhaps this was my big mistake to be a Barclays cred card customer. why they are so much unorganized and unprofessional. no one knows what going on. this is really unbelievable that this sort of service is from a well-known company. My humble request to you please check my all documents. I hope this is enough evidence to prove that they never delivered my item and Barclays credit card company cant approve it. This is completely against the consumer rights policy. I would be most grateful if you would look into this matter as soon as possible. Thank you so much for your time. Have a wonderful day and weekend.
|
| 11/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
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On XX/XX/XXXX, this past Friday, Barclay Card reduced my credit line from {$10000.00} all the way down to {$1100.00}. This despite the fact that I have never had a late payment in over XXXX years and usually use less than 10 % of my credit limit. They said the reason was due to issues with other credit cards and loans, but I explained to them that I had over {$26000.00} stolen out of my bank account nearly XXXX years ago without my knowledge and through no fault of my own and I needed to enter into a debt settlement program for XXXX loans that were taken out in my name, although they were actually for my mother, who was reimbursing me for the payments made. One has already been settled, and the other is in in the process as I am making an initial lump sum payment of nearly half of what they are asking for tomorrow, but I still need to get the paperwok and documents to sign to make it official. This should be paid in XXXX months. There are also a couple of credit cards that are delinquent and way over their limit, that are in my name, but I made none of the charges. They were also done by my mother, who I made an authorized user, and all charges made on these cards were supposed to be paid by a third party, which they were, but they were all returned, becuase the payments were never authorized, despite us telling them to make sure they were. It was understood that I was not going to be making any payments on these cards, and they were only taken out in my name because I had good credit at the time. The same reason for the aforementioned loans being taken out in my name. I've had an XXXX plus credit score in the past, but it dropped in excess of XXXX points in the months following these things happening, none of which are my fault. I am working very hard to repair my credit, and it has made somewhat of a comeback, although I still have a long way to go. I have another card with Barclays that also had a {$10000.00} credit limit that got reducced all the way down to {$500.00} in XXXX of 2020, but that was just after all these other bad things happened, so I understood it at the time, even though they were not anything that I did wrong. I pay for all the charges that I put on my credit cards, but I'm not paying for anyone else 's, even if the card is in my name. I informed the FCRA and the credit bureaus about the situation with these XXXX cards, XXXX which is just charged off as a bad expense, and the other that was sent to a collection agency. We XXXX try to do something with them at some point in the future, but it won't be able to be very much, as they need to be paid by my mother who is retired and on a fixed income and has limited financial resources, and is also paying me back for all that money that got stolen, as it was a mistkae she made without my knowledge that cuased it to happen. I've still only recovered a little less than a third of what was stolen, plus there have been othr legal fees and taxes that have resulted beaus of it, that she need to give back to me aas well. It's going to take some time to get paid back by someone who has virtually no money, in larg part because of terrible financial decisions, and who is retired and on a fixed income. As I said, I have an exemplary payment history with Barclays and normally have very low credit usage, but now, after more than XXXX yers, they decide to take XXXX XXXX of the credit away on the other card? I'm not responsible if other people are crooks and/or stupid. I even asked if they could meet me halkfway and give me some of the credit back on both cards, say $ XXXX on each, instead of $ XXXX on each, but they weren't even willing to do that. I told them that this is a stunt, to do this after more than XXXX years later, while my credit score is improving sowly but surely, and having never had a late payment, and that a complaint was going to be filed against them. Right now, the XXXX cards ar locked, as I don't want to close them yet, as XXXX is the oldest card I had, and I've had the other for over XXXX years which helps my credit history, which in turn helps my scorre. I also am reluctant to make any mo inquiries for othr cards, as too many of them tend to lowere your score somewhat, and I have a few too many right now in the last couple of years already. I woul appreciate it if you could first try to do something to restore some of my original credit with them, because they are being very unfair, and I am suffering because of what other people have done, and it's not right!
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| 09/17/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XXXX XXXX I call my Creditcard company reporting a transaction that was done on my credit card that I did not make myself.when I called I spoke with a lady and reported to her that there was a purchase made on my card of {$450.00} and that it wasnt me who did the purchase. I told the lady that I havent used my credit card for a while and that all I been doing is paying off my credit card I noticed it because went I make payment I like to go on my mobile app to see if the payment went through and thats how I noticed the amount of {$450.00} on my card.And also I told her how can anyone used my card if I have it locked? On my mobile app it said card lock. She told me to wait and put me on hold went she came back she said yes your card is lock I see it lock but dont worry I will send you a new credit card with a different number and this other one Ill have it cancel. I ask her whats going to happen to that charge of {$450.00} that I didnt make she said dont worry we will have it removed and itll take about 4 to 5 business days if you still see it on your statement please call me back and we will see what we can do for you. We will have someone investigate the fraud. On XXXX XXXX I received a call while I was at work but missed the call the card company left me a message asking me to call them back. I called them back on that same day and told the lady that someone call me regarding my credit card fraud and they wanted to speak with me she transferred me to the right department and the lady started asking me questions about what happened and I told her the same thing. She put me on hold for a long time had me for almost 45 minutes on the phone just to tell me at the end that I will be responsible for the {$450.00} purchase because basically I wasnt specific saying with my own words that my card was stolen or lost! I said what? Supposedly Went someone call and the answering machine said press this number if your card has been stolen or lost doesnt that tell you Im calling because it has been lost or stolen. Or went the owner of the credit card noticed a purchase done on her card and call and said I did Not! Make that purchase doesnt it tells you my card was used without my consent.She then said well your card has a chip so it can not be used I said what do you mean it can not be used if a robber steal a credit card having a chip on the card is not going to stop the rubber by stealing a Creditcard and it can be used thats ridiculous I told her and by the way I said my card was locked because thats what it said on my mobile app and thats what the other lady said on the other phone call I made the first time. She said no no I heard the conversation and she said that it was located now because she saw it lock. I was in shock I told her that I didnt have with me my purse that day XXXX call the first time so I couldnt really said if my card was stolen or lost that after I made the call I went to check my purse and noticed that I didnt have the card with me. She said well you should have said it to her I said but she didnt even ask me either! She didnt ask me is your card stolen or lost? Because I basically told her I didnt make this purchase of {$450.00} so I figured or she figured that my card was stolen or lost. And also I told her look at my transaction I havent made one transaction for a long time all I been doing is paying off my credit card each month I been paying {$300.00} so why would I spend {$450.00} in one day thats ridiculous.At the end of the conversation she said well sorry cant do anything for you I went off and told her this is stupid you should have in big letters went you call to report your card stolen or lost please said it in your own words and out loud My Card Is Stolen Or Lost! Because if you dont said that your claim will be denied. It doesnt matter if you press where the answering machine said press this number if your card was stolen or lost. And it doesnt matter if you said I havent made this purchase and I didnt consent that transaction. I basically will have to go on all social media and tell everyone what kind of credit card company this is and to be sure they said those words out their mouth. And I will for sure go to XXXX on your XXXX to see if I can go on television and have them put it on Tv. I will make this situation come out on social media or on Tv if my problem is not solved. I am determined to take this far one because its not fair and two because I dont want anyone else to go through what Im going.
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| 10/19/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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Back in XXXX, XXXX, and XXXX of XXXX, I received a call from Barclay 's Bank asking me to make a payment on the account. I asked them what they meant by that? They said I hadn't made a payment, and I was two months past due. When I asked them why I was late since this card was on autopay for nearly two years and on top of that I would manually go in there on occasion and make an additional payment, they didn't know how to answer me.
The representatives tried to turn it around on me and asked me if I had changed bank accounts. I told them I've had the same bank account for years, so that wasn't the issue. They asked if maybe I didn't have enough funds to cover the payment, but again, I told them that wasn't the issue. More so since the minimum payment on this card has always been low. Somewhere around {$30.00} to {$75.00} max. Again, they tried to make excuses, but they couldn't really answer me. While on the phone with them, I tried to get into my online account, but it wasn't letting me login. I tried numerous times, but I was unsuccessful in logging in. I asked them how I could log in because their online system was giving me problems. The representative said she would help me, then said she would come back as soon as she found out how, but she hung up on me after a long hold period.
I didn't give up because I am a responsible person, so I called back immediately, and I explained to the next representative that I had just been on the line with someone trying to get assistance in logging in so I can make a payment. The same thing happened with the second representative. This second time was a bit more blatant, however. She didn't put me on hold, she just said she would help me but ended up hanging up on me as well. The third phone call finally had some success. The third representative listened to me and told me this was the easiest thing to help me with, so she isn't sure why I wasn't being helped or why they hung up on me. She manually reset the password from her end, and I was finally able to log in and make a payment. None of that explained why my autopay ceased to function, or why their online website just decided to stop working for me. After that happened, I went about my way as I thought the matter had been resolved, but lo and behold, nearly a year later I am getting turned down for a mortgage loan because I had a 30 and a 60 day late payment reporting on my credit report for the same time which coincided with this situation.
After I was told by the lender that this is preventing me from buying a home, I called Barclays to find out why they are reporting me late. This was around XXXX of XXXX. Please keep in mind that I am now only speaking with foreigners and their English was rough. They told me what I already knew. They said in their broken English, " Oh the system must have been down. '' They also gave me numerous excuses, but in the end, none of them could help me. I then sent letters to Barclays as well as to the three credit bureaus on XX/XX/XXXX, informing them how their system was down and how I was mistreated by several Barclay 's employees while trying to address this issue. The only thing I got back from this is a letter dated XX/XX/XXXX saying the late payments are accurate, but they will place a dispute notice to the credit bureaus.
I don't believe this is right, nor is it fair. Understandably, the credit bureaus are supposed to reflect accurate information so lenders can determine who is responsible and who is not. But just because something was " accurately '' 30 or 60 days late, that doesn't mean that it was 30 or 60 days late due to me not attempting to pay them on time. It doesn't show how an account being 30 or 60 days late could actually be a fault of the creditor itself. If a creditor 's auto billing is faulty, or their system is broken, how can the consumer be blamed for it? How about the fact that I wasn't actually notified about this until I was already 2 months late. Not by text, e-mail, mail, calls, nothing. I shouldn't be blamed for their auto billing system malfunctioning one day after it had been working fine for nearly two years by that point. And I definitely should not have to suffer credit damage for the next 7 years because of it. AND I absolutely should NOT be suffering credit denials due to this.
Can you please talk to Barclays and have them fix this problem they helped cause? I'm losing out on opportunity after opportunity on homes because of this problem they helped cause.
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| 01/31/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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We bought XXXX points from XXXX XXXX in XXXX, AZ, in XX/XX/XXXX ( total cost c. {$18000.00} ). We were made verbal promises about how we could use the points which turned out to be untrue. We were told not to log on to our account for 3 weeks, otherwise it could disrupt the set-up process. This conveniently took us beyond the 14 day cooling off period when we could have cancelled and received a full refund. When we did log on ( see email chain ) we discovered that we had been mis-sold and had not checked the small print carefully enough. We immediately asked for a refund and to cancel the contract. This was refused and escalated to higher authorities at XXXX, who also refused. We then sought to get our money refunded in other ways.
We had paid using 3 methods, c {$1600.00} on my husband 's XXXX credit card, {$5000.00} on a new interest-free XXXX XXXX XXXX and the remainder as a loan from XXXX. The disputed transaction of {$5000.00} was made onXX/XX/XXXX on the new XXXX XXXX XXXX ( which I have not used for any other transactions ).
My husband immediately raised the matter with XXXX, who contacted XXXX XXXX. On getting no response from XXXX, XXXX refunded the c {$1600.00} permanently on my husband 's card. We also raised the matter with XXXX but we learnt later that they never contacted XXXX XXXX on our behalf ( unlike XXXX ). They later said that they " were familiar with XXXX 's contracts and that if we'd signed, that was our fault. '' We then contacted the AZ Attorney General 's office and discovered 2 things : 1. There had been a judgment against XXXX XXXX for mis-selling and that a an amount had been set aside by XXXX of {$800000.00} to compensate those who'd been affected. Sadly for us that money had all been distributed before our claim.
2. In AZ law, the verbal presentation forms part of the contact. In other words they can not say one thing in a presentation and then make you sign something different. We were way to trusting with the pages and pages of contract that we had to initial after an intensive 4 hour presentation. We were not in a fit state to properly vet what we were signing. However the AG 's office said that we would have a strong case in a Smalls Claim Court. That is not a realistic option for us as don't live in AZ.
Last summer XXXX XXXX offered to cancel the contract, closing and cancelling the loan but keeping the {$5000.00} we had paid on my new XXXX card. We refused and asked for a full refund. They declined. Soon after that they summarily cancelled the contract without notice to us, reclaimed all the points that we had been allotted under the contract but kept the {$5000.00}.
We then escalated our claim with the XXXX XXXX, initially through their complaints procedure and then we were referred to the Office of the President. Initially we dealt with XXXX XXXX XXXX but were then referred to her superior XXXX XXXX XXXX.
We spend part of the year in the XXXX and part in the US. We have called many, many times. Just before XXXX, XXXX XXXX said that she had not had time to look into it but would do so and get back to us. She didn't. Between XX/XX/XXXX and XX/XX/XXXX, I called maybe 10-15 times and got her voicemail every time. I left my number and asked for a callback. It never came. I also called the main number for the Office of the President ( of XXXX ) and was promised a call back in 24-48 hours. It never came.
Much of this and the explanations are contained in the attached correspondence. My complaint boils down to : 1. We were mis-sold, which is XXXX XXXX ' issue, I know, but XXXX should protect us from that.
2. XXXX helped my husband to get his money back. XXXX did nothing on my behalf. ( We were specifically told that they had taken no direct action in a call in XX/XX/XXXX ). This is a dereliction of their duty to protect me, the consumer. We even sent them the AZ AG 's ruling, which they ignored.
3. There is a whiff of collusion between XXXX and XXXX as XXXX issue this card on their behalf.
4. The Office of the President ( of XXXX ) has failed to pursue my case and completely failed to provide the basic courtesy of returned phone calls. I have mentioned pursuing a claim through the CFPB to them and they have asked for more time to look into it. They have run out of time.
5. There has been no justification for withholding the {$5000.00}. We now have no product and are {$5000.00} out of pocket. Ultimately that is the nub. XXXX surely can not keep our {$5000.00} for nothing, can they?
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| 09/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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Near the end of year last year couple of my all my accounts where hack including emails due to me having the same password across all accounts so don't know what was first but lost thousands dollars in crypto and charges where made on a couple of my credit cards from XXXX where the indivuals where even ordering additional card holder under my accounts. XXXX business credit caught it an stopped the charges right away an call me to confirm thats when i became aware but the real issue is with barclay jetblue credit card that had multiple unauthorized transactions charged on it from XX/XX/2021 to XX/XX/XXXX XXXX.due to the lack of security or due diligence on Barclay 's behalf they allow around XXXX in charge to be approved even though I only had a XXXX credit limit apparently they where making fake deposit or using a foreign bank account to make payments on my card without even trying to reach out to me to confirm those foreign deposit while they kept charging an barclay didn't catch it until I called them asking them why they haven't blocked the card or even call me to confirm the transactions. It's definitely more than 1 seem to be XXXX they sent around XXXX in XXXX payments to XXXX under two different names they also where able to order additional card holder cards an sent to other address " barclay didn't want to disclose address to me even tho it's my account ''. Long story short they reversed all charges in XXXX and in XXXX or XXXX they reapplied all charges to my account due to there investigation being inconclusive since when they asked me about the physical credit card whereabouts I told them its still in my possession I had not lost my wallet nor any of my cards but somehow I was hacked or cloned I provided them with the police report filed listing all un authorized transactions for them to reinvestigate and again they said it's inconclusive an decision stand I asked for the investigation report as to how they made there determination an to what extend was this looked into an they denied to provide any information but want me to pay XXXX in unauthorized charges which are all individually stated in the police report this has become a huge financial burden cause now I'm making XXXX minimum payment until I get resolution and need further guidance or assistance as to what to do next to get this situation cleared up my other credit cards resolved the issue quickly internally but barclay was scammed the most an doesn't want to fix there mistake on lack of security. This is the second complaint that ice been force to submit with cfpb due to barclay lying on the first inquire by cfpb by telling them they are still working on it to give them some time I gave it about a month an reached out to barclay to ask the current status they told me there is none decision was made months ago and stand I informed them about reporting them to cfpb an why they told cfpb they are working on it if it's showing case closed on there end and all they could respond is that they will reopen the investigation but 30days plus after me contacting cfpb I've now been trying to speak to a supervisor for the last month or so cause a ticket must be submitted and that they will call within 1-5 business days they said they made multiple attempts to contact me but that is a lie I have no missed calls nor voice-mails of any such attemp I asked them to provide me date an times of such phonecard attemp so that I can prove they are lying by submitting my phone records with there call log they refused every week I call all they say is we will submit for a supervisor to call you 1-5business days I don't believe they have yet to contact the police station requesting the actual police report cause. What I submitted to them was a police report summary sheet stating that only they can order the actual police showing the itemized fraudulent transaction I've asked if they order all they respond is yes we received your documentation they can't even confirm ordering the police report nor any explanation or addresses that where used to try an send other cards or explain the XXXX XXXX XXXX an multiple transaction across the country in a short period of time which would be impossible unless they copied my card and sold it on black market or sent within there criminal organization they are basically avoiding all communications with me to solve this lack of due diligence an security on there end and forcing me to pay for there mistake and lack of consumer protection
|
| 03/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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Hi, my name is XXXX XXXX XXXX and this is regarding my account ending in XXXX. My Account ID is XXXX ( provided by Barclays representative ). If you need any additional info to verify my ID, please kindly contact me as well.
This is regarding the fraud charges on my account. The charges, from what I can see so far, are as below : XXXX, XX/XX/XXXX, - {$16.00} XXXX, XX/XX/XXXX, {$14.00} XXXX, XX/XX/XXXX, {$16.00} XXXX, XX/XX/XXXX, {$29.00} XXXX, XX/XX/XXXX, {$44.00} XXXX, XX/XX/XXXX, {$84.00} XXXX, XX/XX/XXXX, {$4.00} XXXX, XX/XX/XXXX, {$170.00} XXXX, XX/XX/XXXX, {$64.00} XXXX, XX/XX/XXXX, {$48.00} XXXX, XX/XX/XXXX, {$17.00} XXXX, XX/XX/XXXX, {$17.00} I have explained my case to Barclays before over the phone, including the last phone call onXX/XX/XXXXXX/XX/XXXX, at about XXXX pacific time. I have an accent and English is not my mother tongue, so I feel that there may have been a few misunderstandings along the way and I would like to use this chance to clarify on everything as well.
These transactions are NOT made by me, nor my wife, nor anyone authorized by me.
They are NOT made on my, or my wifes, taobao.com account either. If you would like, I can provide you with the username and password where you can login to our accounts to verify if we had made those purchases.
My wife has shopped at this merchant before. XXXX is a very big company that is owned by XXXX, and is a very big company that does businesses in many areas, including online shopping, mobile wallet payment service, food delivery service, grocery delivery, etc.. They are somewhat like the XXXX equivalent of XXXX / XXXX so it is not surprising for anyone to have shopped there before. And because of this, it is unfair to deny my claim simply because we had dealt with this merchant before. As an example for illustrative purposes, Ive shopped at XXXX XXXX XXXX, and XXXX before. Does this mean that I am going to be responsible for any fraudulent activity that occurs at any of the above merchants simply because Ive shopped there and dealt with them before? Would the same rule apply to you as well if one day someone made fraudulent charges on your card at a merchant that you have shopped at before?
Our contacts thus far to this merchant has not been of any use. After speaking to a Barclays representative last night ( XX/XX/XXXX ), I had attempted to contact the merchant again. My wife had tried contacting the merchant as well. This is a summary of my contacts with the merchant : Merchant has not been able to help much at all, if any.
Merchant is a huge company, so during my attempts to contact them, Ive been transferred around to several different departments who kept saying that another department is in charge, such as the international department should have been the one in charge of the account, and then someone else would say that we need to talk to the finance department, vice versa, etc., and everytime it took a lot of time and effort to reach the correct department that is actually able to or willing to help.
Merchant has refused to disclose / been unable to disclose any particulars of the orders, including the address where the orders were shipped to, email address associated with the orders, etc.
Merchant recommended that I contact my bank instead.
As such, these transactions are fraudulent. To reiterate, I did NOT authorize anyone to carry out these transactions, nor do I know who carried out these transactions, nor did I do these transactions. I have NOT received any benefits, directly or indirectly, from these transactions as well.
On Barclays website, it states that : With our fraud liability coverage, you aren't responsible for unauthorized purchases made with your card that you report to us. It doesn't matter if your card is lost, stolen or breached - online or offline - you're protected. Based on that statement, I ought to be protected, no? These purchases are unauthorized, and therefore according to your statement, I shouldnt be held responsible for these unauthorized transactions.
I hope that Barclays can investigate these transactions and come up with a fair conclusion. It is extremely unfair to put the burden of these transactions on me simply because my wife had shopped at this merchant in the past.
If you need to reach me, please kindly reach me at +XXXX, or through email at XXXX. I am ccurrently traveling overseas, so I am unable to receive any physical mail correspondence. Thank you once again.
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| 06/24/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am writing to dispute a charge of {$690.00} from XXXX XXXX XXXX to my Barclays Bank credit card account XXXX on XX/XX/XXXX ( encl 1 ). The charge is in error because neither my wife nor I ever purchased anything from XXXX XXXX XXXX nor did we receive goods or services from XXXX XXXX XXXX related to this transaction. As part of my personal investigation into this charge, I called XXXX XXXX XXXX at the phone number listed on the square.com receipt and their representative told me that they did not have record of an invoice in the amount of {$690.00} during the time frame in question and also said that they do not do business using XXXX. Furthermore, they had no record of doing business with me or my wife. I spoke with XXXX customer service who told me that the e-mail address on the receipt for the purchase was XXXX. XXXX is a domain for temporary e-mail accounts, and is not my wifes e-mail address.
I disputed the charge with Barclays Bank initially on or about XX/XX/XXXX. Account XXXX was closed ( encl 2 ) and the charge was credited to my new account XXXX ( encl 3 ). The charge was reinstated on XX/XX/XXXX ( encl 4 ) and I immediately disputed the charge on XXXX. As instructed by the Barclays Bank Fraud Investigation Department, I also sent a letter disputing the charge to the Fraud Investigation Department on XX/XX/XXXX ( encl 6 ) and filed a report of credit card fraud with the Pennsylvania State Police ( encl 7 ). The Barclays Bank Fraud Investigation Department told me that they reinstated the charge because they were in possession of 6 pages of invoices for purchases totaling {$690.00} from XXXX XXXX XXXX on the date in question. I requested copies of these invoices on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( encl 8 ). I last spoke with the Fraud Investigation Department XX/XX/XXXX and XXXX told me that there was a notation on account XXXX dated XX/XX/XXXX that the account was charged off due to confirmed fraud and that a credit would be applied on the XX/XX/XXXX statement [ encl 8 ]. However, I continued to accrue finance charges on my statements through XXXX ( encl 9 ). I called the Barclays Bank Customer Service Department XX/XX/XXXX who said that a manager would call me back and no one called. I called the Barclays Bank Customer Service Department again XX/XX/XXXX and they said that I would need to be referred back to the Fraud Investigation Department to determine why the charge had not been removed.
I am asking for assistance because despite clearly expressed concerns, I have had no meaningful reply from Barclays Bank Customer Service Department or Fraud Investigation Department despite 6 months of repeated calls and written correspondence. I never received a written response to my request to reopen the fraud investigation or my concerns that my wifes identity was improperly validated during the purchase in question. I requested copies of the invoices substantiating the purchase several times and have never received any documentation that such invoices exist. I was told that the charge was confirmed as fraud in XXXX, but the charge has not been removed from my account despite repeated inquiries with Barclays Customer Service that never provided an explanation.
I have attempted to resolve the matter with Barclays Bank through discussion and mediation, but they continue to charge me interest without providing proof that the charge was anything other than fraud. Barclays Bank continues to avoid answering my concerns or questions, and I feel that I have no other choice than to submit a complaint to your agency. Thank you very much for your assistance in this matter.
Sincerely, XXXX XXXX Enclosures : 1. Statement for Account XXXX from XXXX containing original fraudulent charge 2. Letter confirming closure of account XXXX due to fraudulent charge 3. Statement for Account XXXX from XXXX showing credit for fraudulent charge 4. Statement for Account XXXX from XXXX showing re-institution of fraudulent charge 5. XX/XX/XXXX Letter from Barclays finding charge valid 6. XX/XX/XXXX Letter disputing the fraudulent charge and requesting reopening of the investigation 7. XX/XX/XXXX XXXX State Police report of fraudulent credit card charge 8. Personal notes including a log of discussions with Barclays representatives detailing attempts to obtain resolution of this dispute 9. Monthly Statements for Account XXXX showing failure to remove fraudulent charge and accruing interest charges
|
| 03/10/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Good morning. The reason for this letter is to seek some help with three financial institutions with which I have been a client for years and so far I believe that they have treated my case unfairly. In XXXX, I became a father of XXXX but unfortunately they were born in XXXX XXXX California at only XXXX XXXX XXXX, because they were XXXX XXXX we went through a lot of difficulties, even XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was in XXXX XXXX for almost 6 months while my XXXX XXXX girls were recovering so I had to move to XXXX XXXX so I could be with them in the hospital every day and make sure everything would be okay with them. As you can imagine what it means to leave your home, to find a place to stay in XXXX XXXX, to eat, etc., unfortunately the job I had couldn't keep my position and I had to quit within a month of asking for permission to be with my girls. From that moment on, my financial difficulties began, between medical expenses, rent, food, and credit card payments which I was able to make by taking money from my savings. And that is where I want to explain in detail why I feel it is unfair what has happened to me with three financial institutions. The first dispute I want to talk about is with XXXX XXXX, I have 2 cards with them and I have never been late on any payments, on the contrary, I was even paying off the debt in full. When I explained to them the situation I was going through and gave them all the information of why I was late in payments the only option they gave me was that I had to pay {$560.00} a month not to close the account, which I told them seemed like a lot of money at that time because I was coming back from XXXX XXXX and I explained my whole situation even sent letters from the hospital, but they didn't help me in any way. I made the greatest effort possible and paid {$560.00} for about three months, but I could not continue to pay that amount of money, I called again and asked to lower my monthly payment but there was no payment arrangement for more than I asked, I called several times and they did not give me any kind of help and closed the account which I am still paying, now {$220.00} per month because after they closed it was that they told me I could pay {$220.00}. This whole situation does not seem fair to me at all. I did everything possible to pay, I called to negotiate lower payments and they never helped me avoid closing my account. The second company with which I have to explain my dispute is Barclays, I had with them an XXXX XXXX, which I used very rarely and paid in full, but with them something very peculiar happened, as in my previous case I called to explain the situation that was happening, I made payments until I could from my savings to avoid late payments etc. I always made the payments through the application and never noticed anything out of place. After a few months, in XX/XX/XXXX, I realized that the account had been closed without any notice, even when I called repeatedly to explain the situation. The only way I realized that the account was closed was by logging into the desktop version since the application does not give any kind of notification or anything like that. I have called many times and asked to speak with a manager. They opened a case for me and still nobody wants to be responsible for the account being closed without any kind of notification, they did not even send me letters or statements informing me of the situation, not even a phone call. Three weeks ago I was able to talk to a manager and finally he was the only person who understood my case, he listened to me and he could see that in his system they had never sent me notifications that my account was closed, it was not until a few weeks ago that I received about 6 letters from Barclays informing me that the account was closed, do you think this is fair or valid for a client? That a person after having called countless times trying to solve this problem nobody listens to you or gives you an answer or takes your case seriously? I don't know what else I could do to get this account reopened because as I mentioned I was never notified that it was closed, I still make the payments on a monthly basis. The third company is XXXX XXXX, maybe I had a card with this company for years which I never used alone to settle some accounts but unfortunately they closed it and as in the other cases I exposed my case and still did not have any help.
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| 09/01/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
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XX/XX/XXXX I wanted to book 2 rooms for XX/XX/XXXX at the XXXX XXXX XXXX XXXX thru XXXX XXXX website. Completed one request and when I did not receive a confirmation page showing it was booked. I did not want to go forth with the second room because I couldnt be sure if the first one went through.
XX/XX/XXXX, still no confirmation, I called the hotel, they stated because I made the reservation through a third party, they would not have been the ones to send the confirmation, but they did not have a reservation for me and if there was no hold placed on my credit card, ( there was not ) the room was not booked.
XX/XX/XXXX I then made 2 reservations and received two confirmations ( XXXX & XXXX ) along with two trip Numbers ( XXXX & XXXX ) With a note staying if I was calling the hotel use the confirmation number, if I was calling customer service to use the trip number.
On XXXX my travel plans changes and I cancelled both trip numbers using ( XXXX & XXXX ). To cancel they asked for trip number. I received two cancellation emails.
On XX/XX/XXXX since my travel plans had changed, I arrived in XXXX XXXX and woke up to several text messages from my credit card company, because XXXX XXXX XXXX XXXX had charged my account {$150.00} on the same night, I had a hotel charge in XXXX XXXX, so they are assuming Fraud.
This is when I realized a few things 1. The original reservation was placed ( even though I would have no way of knowing this based on information above ) 2. When you make a reservation with XXXX XXXX XXXX, you are really booking through XXXX 3. XXXX XXXX, stated on XX/XX/XXXX, they never received the cancellation for the two ( that I did cancel ), I would have to call XXXX ( they didnt know it was XXXX either ) to have them fax the cancellations, because they have to charge for no show fee. They also proceeded to tell me, that its up to the Third Party to provide a confirmation, and they could not tell me why someone at XXXX XXXX, did not see the reservation when I called on XX/XX/XXXX.
XX/XX/XXXX the women I spoke to ( XXXX ) confirmed she did in fact have two cancellations that she could fax over to the hotel, while I held on the line. Then we discussed the reservation for which I never received a confirmation. She asked me to hold and she would provide this information to a manager. She returned to the call and stated she was sorry that happened and she would provide a credit. I was then placed on hold again for about 5 minutes. When she returned she said she could not credit me, because XXXX did not actually charge me, XXXX XXXX is the merchant that charged me. I would have to dispute the charge with my credit card company.
I did just that, I called to dispute the charges and provide the full story to the associate. ( I should have followed my first mind and wrote a letter, but didn't ). I advised that XXXX said they were going to send two cancellation faxes to XXXX XXXX, but I was concerned about the other charge that I had no confirmation number in order to cancel, and this was not my error. Here is what Barclays did : 1. On XX/XX/XXXX Sent 3 letters one for each claim, advising they were investigating.
2. On XX/XX/XXXX Sent 3 letters each stating XXXX XXXX issued a credit for XXXX, XXXX and XXXX. The letter also indicated we consider this dispute resolved in your favor.
Move to XX/XX/XXXX. XXXX I receive a call from Barclay with the following information : 1. XXXX XXXX has provided a response that they are not responsible for sending out confirmations and since the room was never cancelled they will not take the responsibility for the no show fee.
2. Barclay has no other choice but to charge the fee back to me 3. I can dispute this charge with the Third Party ( who never actually billed me ) 4. They are unable to dispute the charge with XXXX or XXXX, because they are not the merchant 5. They will be sending me a copy of the note from XXXX XXXX to use if I want to re-dispute this claim.
6. They are sorry they sent me a letter back on XX/XX/XXXX saying it was already taken care of, but they will be billing the charge back to my account within 24 hours.
At this point I am angry, because, Im driving and cant really concentrate on whats happening, I asked for the Executive Office number, because, Yes, I plan to re-dispute this claim. However, when I get home, I realize that Barclay also has some culpability in this whole mess as well.
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| 09/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
Servicemember |
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XX/XX/2022, we arrived to pick up our tickets to see a show in XXXX from when my wife ordered them from. After purchasing them she asked us if we would take a tour of your facilities, which would take about 2 hours but wasnt high pressure at all, so we took her up on it as it sounded like an interesting opportunity. Not to mention the {$150.00} they were going to give us to attend. We went right over to take them up on this offer. We directly went over to your visitor center to begin the tour.
At first the experience was quite enjoyable. Chatting with the lady that was helping us was quite entertaining and for the first two hours she was a delight. Then it was time to turn up the pressure, I guess. I understood this to be her job, so it didnt bother us. Since I was kind of interested in what they were selling it was fine. It seemed like an interesting concept.
Then she had my wife do some stuff on the tablet. During which we asked several times we are not signing up for anything at all here, correct? She assured me that no, nothing would be run until I signed the paperwork in the back. That was fine by me to get prequalified before the tour of the property, so I did as ask after repeatedly being told it wouldnt hurt my credit and I wasnt signing up for anything.
We went on the tour of the property and came back, lovely, somewhat high pressure. We went back and sat down at her table, and we informed her that while a lovely idea and something for us to consider in the future. We explained we have two elderly parents to take care of and three properties to take care of now wasnt the time for us to do this as vacations for a few years would be few over the next decade.
So, then the pressure got turned up, thats fine we understood. Another gentleman came over to speak to us with her. That was fine, I understood how things worked. So as this gentleman is giving us the numbers, they pulled up by running our credit, numerous times mind you ( my excellent credit score I discovered dropped XXXX points even though I was assured by her that it would not do that. This of course I discovered later.
What really irritated us and made it, so we were both ready to walk was my wife asked him, as a XXXX veteran, what you do for Veterans. His reply to her was to take an attitude of how dare she ask for something extra and he pushed the paperwork towards her and said I show them this! This attitude he struck and annoyed tone that she dare ask such a thing was the end. Even if we decided to get a timeshare it wont be though you due to the utter disrespect I was given. He made me her ashamed for asking. Not the way to treat your Veterans, especially not in XXXX, MO.
So these high pressure tactics lasted 3 hours on a 2 hour tour. By this time, we are irritated due to what I have mentioned. When I pointed out that we needed to go because I needed to get to the car to take his XXXX which was due at XXXX, it was now about XXXX. We informed them that I was starting to go into a medical emergency without his medicine so, she then took us to the back room.
Back there we were confronted by several men one sitting behind the desk what was terribly pushy. We wouldnt even sit down because my husband at this point needed his medication and we had already made our decision not to buy anything that day as it was the wrong time for us, we expressed this to them over 20 times. We finally said we had to go because I was feeling ill, to which the guy behind the desk suggested that my I go down to take his XXXX and the come back up! That was the final straw we walked out hearing jeers from the other men back there crying out that thats a shame and such things. So very disrespectful!
You might think this letter is about to end, but wait, it isnt over yet. While we are going through this, Im getting a ton of notifications from my credit being ran, despite being told it wouldnt affect my credit, which as mentioned it dropped it XXXX points. Now let me remind you I repeatedly asked to make sure they were not signing me up for anything and was told no every single time I asked, I get out to the car to find emails thanking me for taking out your credit card and their reward set up!
Despite repeatedly being told that only a soft inquiry would be made and it wouldn't hurt my credit my score has now dropped XXXX points because of their inquiries and credit card.
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| 04/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I have had a Barclays card since XXXX. I received a promotional offer for 0 % interest on all purchases through XX/XX/XXXX. I have the account set up on auto draft every month for {$300.00}, which is more than the minimum amount due. On XX/XX/XXXX they drafted {$7600.00} out of my account instead of the authorized amount of {$300.00}. I discovered this on XX/XX/XXXX and immediately contacted the company. The first representative I spoke with acknowledged that there was an issue on their end. She discovered that the promotional rate was not being applied properly and that I was being charged interest and then credited the payments back every month and that this issue also somehow effected the withdrawal amount. She wrote up a case to fix the interest rate and transferred me to the dispute department to get the payment corrected. The second and third representatives were very rude and told me I had an issue with my bank and it was their fault. I explained to them that the auto draft is not done through my bank and that it was initiated from them and presented to the bank and that if I disputed the payment, as they were instructing me to, it would put me in default of the payment terms for the promotional interest rate. After XXXX hours, a fourth representative finally admitted that the error was on their side and the computer increased the minimum amount due because they did not properly apply the promotional interest rate and incorrectly stated that " by agreeing to auto payments that the consumer agrees that they are allowed to take out any amount they want if they feel like account balance is too high and the consumer may be in danger of default. '' I explained to her that was not correct information, that the minimum amount due on the account was approximately {$150.00} and that I am a collections attorney and that the statements she made were factually incorrect. I was then informed the money would be returned to my account and that it would " take XXXX billing cycles, but there is no need for me to wait that long. '' I was unable to get a clear answer as to what that meant. I was never contacted by a representative so I contacted them again on XX/XX/XXXX and was told that the case was resolved and I would receive the money refunded within 10 days of XX/XX/XXXX and then I would need to supplement the payment of {$300.00} that I had originally scheduled. I never received the refund nor was I contacted by anyone. I called again on XX/XX/XXXX and was told that the case had been resolved and the money was going to be refunded, but that it had not been assigned to someone yet to actually process the refund. I asked to speak with someone else to escalate the issue and was placed on hold and then ultimately told that no one was available. I clearly informed them that I was trying to resolve the situation amicably, that I was not asking for them to do anything other than refund the money beyond which they were allowed to withdrawal and that I would be filing a CFPB complaint if I was not contacted by someone or had the money returned to me by XX/XX/XXXX. No one ever contacted me nor refunded any money. I contacted them again on XX/XX/XXXX and was told that it is still being investigated and that it will take XXXX billing cycles for the dispute to be handled. I explained that the the prior representatives on both XX/XX/XXXX and XX/XX/XXXX both expressed the case had been resolved and we were simply waiting for the money to be returned and that this is inconsistent information. The representative again stated the time frame as XXXX billing cycles, but offered to escalate the case to be resolved in XXXX hours. I have confirmed that the promotional interest rate is still being credited back to my account, which indicates that they have not fixed that problem. They have not only grossly misrepresented a promotional XXXX in order to entice usage, they then took out a payment sum SUBSTANTIALLY larger than what was scheduled and they are essentially holding my money XXXX during the promotional XXXX period. I have not been treated well as a consumer during this process. There has been little care or concern for any consequences to me from them making these mistakes and every apology made to me has had to be forced from them. I am extremely disappointed in the unprofessional manner this very simple issue has been handled.
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| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
Older American |
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The issue is clearly laid out in the communication below, to Barclay 's, the bank in question. This, and the supporting documents ( enclosed ) were sent as a last resort in a certified letter on XX/XX/XXXX, return receipt requested. I do have proof of said delivery ( also in the attached documents ) yet nobody has reached out to resolve this. Here is the sequence of events as laid out to Barclays ( for the seventh time )...
******************************************************* XX/XX/XXXX Per accounts ending in XXXX, XXXX, and XXXX To Whom it May Concern, This is my final attempt to resolve an issue for which Ive now clocked over a dozen hours over the last year and spoken with your resolution team at least five times.
In each case, I was assured by the agent with whom I spoke that the issue was understood to be an error on your part, and that a correction would be made both to my account and to my credit score, which youve been damaging over the last year.
Here is the history of this issue, laid out as clearly as I have done with several of your agents, all of whom promised to resolve it, though followed by the same form letter Ive received from you after each attempt at resolution ; see attached.
XX/XX/XXXX : I became aware that someone had opened an account in my name, ending in XXXX. This card was not opened by me, and there were no valid charges to it. Your investigators acknowledged my lack of culpability in letters dated XX/XX/XXXX and XX/XX/XXXX ; see enclosed.
XX/XX/XXXX : The identity thief, becoming aware of the investigation, opened another account in my name ending in XXXX. None of the data used for that card was accurate, as the perpetrator claimed the new card was because of fraud, and you issued them that card with billing to another address, email, etc not mine.
XXXX XXXX : After becoming aware of damage to my credit history, I contacted your company four more times, and in each case was told that the balance on XXXX represented late fees and penalties carried over from the previous fraudulent account, XXXX, which you closed after investigation, and relieved me of responsibility for any charges. Therefore, all the charges on XXXX should have likewise been erased from my history, yet you continued to : 1. Bill me monthly ( although I was unaware of this as the bills went to a different address ) XXXX. Hold me responsible for fees associated with fraudulent activity on the previous card XXXX. Report me to the credit bureau Ive enclosed a couple of the letters, all identical, in which you ignore the verbal resolution I got from your customer service team and continue to justify your position that the information is accurate.
These are clearly form letters which speak to your not taking our communication seriously.
XX/XX/XXXX : I receive my first statement in a year for an AA Advantage card ending in XXXX. I never had a card with that number, and in reading the statement, its clear that youve been deducting charges from its balance for well over a year. I can only surmise that this card is yet another incarnation of the original one, with all its charges being associated with purchases I never made. This statement is enclosed, and again, its not mine.
What needs to happen now : XXXX. I need a retraction to your 5+ form letters ignoring verbal resolutions from your staff XXXX. I need proof that youve reported your error to XXXX and repaired my credit XXXX. I need an apology for the stress and time youve cost me over the last nine months.
What happens if this isnt resolved in the next 30 days : XXXX. I will be in touch with Consumer Financial Protection Bureau to file a formal complaint.
XXXX. I will speak with my attorney about possible civil litigation against your bank.
I trust that my frustration as well as my intention to get satisfaction have now been clearly communicated. I await your timely reply and the final resolution of this remarkably mismanaged issue.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VT XXXX XXXX XXXX XXXX ****************************************************** Again, I've had no response to this letter sent over a week ago along with the enclosed documents.
*The last enclosed document is a screenshot of one page from my XXXX XXXXXXXX XXXX history. I've had about ten of these, all initiated by Barclays against this erroneous account issue.
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| 04/21/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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|
Web |
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I am a holder of the XXXX ( Barclays ) Credit Card. Ive been a cardholder for several years and have never had any issues. On XX/XX/2021, I was contacted by the Fraud Department via telephone and email about possible suspicious activities on my account. Prior to the XXXX, I had not used my credit card, I paid it off. I also set up alerts to let me know when charges were made above a certain threshold. It turns out, all activities were fraudulent and I immediately reported them as such. Upon seeing that my card was being used without my authorization, I immediately reached for the visible card, which was the newly issued card ( note, this card had yet to be activated ). I reached for the card to get the telephone number. During the recorded call, I was asked if I was in possession of my card, I honestly responded by saying yes because I was looking at the new card issued ( to replace the old card that was set to expire ). I was never asked the clarifying question of if I was in possession of my old card. I didnt think this mattered because I knew I didnt make the charges. I was confident that, as with a few other fraud activities on other credit cards in the past, that I would be relieved of all of the fraudulent charges. XXXX issued a provisional credit and removed all but {$320.00} cents of the charges. The company alleged that after complete investigation, they determined the charges were valid. I was stunned and immediately responded to the letter issued on XX/XX/2021. I reiterated that the charges were fraudulent. I would NEVER TRY TO GET OUT OF PAYING FOR MERCHANDISE I CHARGED. I have very good credit and pay for what I purchase. If you look over my entire credit history with your company, you will see that I have made significant purchases, and have always paid timely and eventually paid you in full. Ive been a great customer for years, and was insulted by the determination that these charges were valid. I waited on the line to speak with someone in security for past approximately 45 minutes ( during my work day ) ; this was totally unacceptable customer services, especially dealing with issues of fraud! I am writing because even after disputing the fraudulent charges again, not being presented with any written proof ( there wouldnt be any since I did not make the charges ), I was held responsible for the payments. When I reached out to Barclay, I was told that since I said I was in possession of my card, the charges were valid. I was in possession of the new replacement card ( ending in the same number ), so I answered the question honestly that I was in possession of the card. I was very upset when I made the call, and was speaking with a representative overseas who follow a script. Not one time did the representative ask me if I was in possession of my old card set to expire. I did not realize that I was not in possession of the card until a couple of days after I reached out to XXXX to report the fraud. Because I know I had not used this card in a while, I did not realize that I was not in possession of the old card that was about to expire. I dont know when that card went missing, and still do not have possession of it. Note : the new card was not activated I did not plan to activate until the old. I am formally appealing this decision ; These fraudulent charges need to be reversed. I also plan to pursue any and all legal actions available to me in I am still held responsible for these charges. In addition, I will demand camera footage and time stamps from places/merchants where these purchases were made. I am fully prepared to show that I was not at any of those locations able to make these fraudulent purchases. I am copying the Comptroller and the Consumer Finance Complaint Department because I hope the right decision is reached. Unfortunately, I think its quite deceptive on Barclays part to not try to find out the entire story and get the clear full picture before rendering a decision. A representative should have been able to see that there were two ( 2 ) cards ending in the same number. The question should have been, we see that you have two cards ( are you in possession of both ). I would have then looked for the old card and saw that it was missing. This did not occur, which his horrible services to the customer. Again, the charges are fraudulent and need to be reversed. Thank you.
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| 10/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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Dear CFPB, I am writing to you dispute information that Barclays Bank has reported to the credit bureaus regarding a late payment. In the month of XXXX, 2019, Barclays Bank reported to XXXX, XXXX & XXXX that my payment was 30 days late. I would like you to please review this case. In XXXX of 2019 I was enrolled into XXXX XXXX XXXX account which would close my Barclays Bank account and XXXX would make payments to this account moving forward. XXXX advised me to make the first 2 months payment on my own as it may take up to 8 weeks for them to begin making payments. In XXXX of 2019 I noticed XXXX had not made a payment yet and I knew it was approaching the due date. I called XXXX and they said that payment would be made on time. I called Barclays Bank to inform them that I did not want any late payment to be reflected on my account or on my credit report if the XXXX payment did not go through on time. I would prevent that by making payments on my own from my own checking account. On XX/XX/XXXX I had a 45 minute phone call with Barclays Bank representative named XXXX. I specifically discussed with XXXX, that since I am enrolled in this program, if XXXX fails to make payment on time, I would make my own payment to prevent any late payment from being reporting to the credit bureau. XXXX put me on hold to consult with his supervisor and then came back from hold and stated since you are enrolled in the debt relief management program we will not report late payments to the credit bureau. This was the last 30 seconds of the 45 minute phone call on XX/XX/2019, which I have recorded on my XXXX XXXX XXXX XXXX account, and was also recorded by Barclays Bank. In this statement I was specifically advised by the creditor that if the payment that is to be made by XXXX is not made on time, it would not reflect on my credit report. Since I was advised of this by XXXX I did not make any payment on my own and waited for XXXX to process payment to Barclays Bank. Weeks later, I was notified that the XXXX payment had not been processed on time and Barclays Bank did report a late payment to the credit bureaus, resulting in my first-time-ever late payment and significantly dropping my credit scores. I had immediately called Barclays Bank bank several times and discussed this entire situation, asking Barclays Bank representatives to look into this and remove the late payment reporting and honor what their colleague from Barclays Bank told me. I placed 7 phone calls to Barclays Bank. One representative did look into the recorded phone calls and confirmed with me that she located and listened to this conversation with XXXX on XX/XX/XXXX, where XXXX stated that this would not be reported to the credit bureaus, and she said she would submit this to a manager who would call me back. I never received a call back, and nobody from Barclays Bank has been able to help me rectify this. I filed a complaint with the creditor, and filed this information to XXXX, XXXX and XXXX, and still they are showing 30 days late on this account in XX/XX/2019. It has been over 45 days since I reported all of this. I am asking you to please honor what I was told, and please help remove that late payment reporting from XXXX of 2019 as I am an honest individual who has ALWAYS made every payment due on time for every account I have ever had throughout the history of my entire life. It should not be reflected on my account if I was misinformed by the creditor. I did exactly what I was told to do, and could have prevented this if the creditor had given me accurate information. Please understand that I was led to believe that a late payment by XXXX would not be reported on my credit account, otherwise I would have made the payment myself. I am perfectly capable of making payments myself on time. Moving forward I will not take any chances waiting for XXXX to make payments, and I will post payments myself. I am asking you to please understand my situation and please see my credit payment history, Barclays Bank acceptance letter of enrollment into XXXX XXXX XXXX account, as well as the above referenced phone call. I can provide any further information necessary and I can be reached by email or phone call : XXXX XXXX XXXX ( XXXX ) XXXX Thank you for taking the time to help me rectify the reporting on my credit account.
Appreciatively Yours, XXXX XXXX
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| 09/04/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Add-on products and services
|
|
Web |
|
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Let me start this out by saying this is a repeat complaint. Please see the below in " " for the original complaint which still holds true.
" I made a purchase for plane tickets in XX/XX/XXXX. The trip needed to be changed due to XXXX activity, which is a covered reason under the terms and conditions of my credit card. Barclaycard referred me to XXXX XXXX XXXX. When speaking to XXXX XXXX they told me that prior to XX/XX/XXXX they did not handle claims against this card, so they referred me to XXXX XXXX XXXX XXXX XXXX. I submitted all necessary documents to XXXX who then denied the claim based on the reason that " XXXX Action is not covered ''. I called them and sent them screenshots from the Barclay Card website showing them that indeed XXXX Action is listed as a covered reason. The case was reopened, and after weeks of back and forth communication, XXXX sent me back to Barclaycard as they said i needed to put the claim through them. When speaking to Barclay again, i was told that another company needed to be involved but they couldint not get me in touch with them, I had to go back to XXXX. I have not contacted XXXX again but will be and will also be closing my account with Barclaycard. The runaround i am receiving is terrible business and deserves to be escalated to all levels. I have all of the necessary documentation detailing the above, including written correspondence with XXXX, screenshots from the Barclay website, all necessary receipts etc. I can provide if necessary. '' This past week my complaint was denied by Barclay card citing the policy saying that XXXX action was not a covered reason for trip insurance. They even attached the policy and left me a voicemail telling me to read over my benefits ... which i did before all of this started leading me to file a valid insurance claim. On page 26 of the cardholder benefits policy and on the benefits section on the cards website it says under covered reasons " XXXX Action ''. Please see the attached letter where the policy was incorrectly referenced.
At this point i have been passed between multiple insurance agencies, because when i made the purchase they were using one insurance company and when i filed the complaint they were using another. The original claim was indeed denied until i cited the policy and then was told it was a valid claim. I have an entire email chain with the original insurance company stating this and also telling me to go back to Barclay. The person i worked with from the Office of the President was unattentive to my claim and the original CFPB complaint. She would take days or weeks to respond to me after leaving me voicemails in inopportune times throughout the work day. She even put me back in touch with XXXX who I was able to determine before filing the CFPB complaint ( without the help of Barclay Card ) was not the correct company to talk to ... and they again told me it was not them who can help me ... which I already knew and told had already told Barclay card office of the president when we spoke on the phone. When i tried calling Barclay card again, I left a voicemail and received no response ... just a denial letter and voicemail telling me to check my email.
The Denial on the CFPB website with attachments from the office of the president incorrectly cites their own policy, attaches the policy for me to ( re read ) and neglects the fact that " XXXX Action '' is listed on page 26 of their policy ( all attached ). All of this was given to the woman working my claim, along with all the other evidence needed including email chain with the original insurance company, all receipts, screenshots from their website etc etc etc ... and clearly ignored. See attached.
This is unacceptable business and it is unacceptable that because this company can not figure out the correct insurance agency to put me in touch with or handle for me as a valued customer, I am now out the money that should be paid back to me. At the very least they should have competent people working in customer facing positions who can ACCURATELY AND ADEQUATELY CITE their cardholder benefits policy. If the consumer can read it, the Office of the President for Barclay card should be able to read the policy before falsely denying a claim. At this point the only person that has done their due diligence in this situation is me.
|
| 05/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
Fraud Claim on XXXX XXXX Visa Card from Barclays XX/XX/XXXX - Found 2 charges from XXXX XXXX XXXX of {$92.00} Totaling {$180.00} -Purchase was not authorized. Called Barclays to report this as fraud. I do not have a XXXX account and have never purchased anything from XXXX even as a guest user. Credit card with last 4 digits XXXX was closed and I was sent a new card.
XX/XX/XXXX - Fraud investigation completion letter sent for credit card ending in XXXX. See file with copies of letters sent by Barclay. This one stated that if charges were put back on my account they will provide a written explanation along with any relevant documentation.
XX/XX/XXXX - Received letter from Barclay dated XX/XX/XXXX that said that the credit was reversed. The {$180.00} charge was put back on my account as their investigation found that the activity was valid. I contacted Barclays fraud department and requested documentation of the transaction to be sent to me. Allegedly two ( 2 ) pairs of black shoes were mailed to our location. A USPS tracking number was used to prove the transaction was valid. As stated previously these two ( 2 ) pairs of black shoes were never ordered. Asked for the USPS tracking number from Barclays multiple times. Finally received it via relationship manager on XX/XX/XXXX. o Tracking number showed the actual package received was a small envelope weighing 1.8 ounces. Scanned and sent the USPS document as a file. o Envelope arrived on XX/XX/XXXX and when opened there was nothing in the envelope. o For the vendor who sent this envelope, proof of delivery was met. Need to realize two ( 2 ) pairs of shoes weigh more than 1.8 ounces. This proves that no shoes were sent. Barclays mentioned vendor documentation would be sent to us in 7-10 business days. No vendor documentation was ever received by mail.
XXXX was contacted with no success of attaining any information pertinent to this shipment. o Since not having an active XXXX account, I was unable to attain any information from them for this shipment. o To this day I have not received any documentation in the mail from Barclays or XXXX regarding this shipment.
I researched and found this info regarding the Vendor XXXX XXXX XXXX.
More than thirty ( 30 ) entries on the topic erroneous credit card charge from XXXX XXXX XXXX dating from XX/XX/XXXX XX/XX/XXXX. One case was almost exactly what happened to me. If needed, more information can be provided.
Several attempts to contact the merchant were made with no results. oPhone number and email was supplied by Barclays via phone. I again asked for documentation via mail to include the USPS tracking number. oFound out this phone number ( XXXX ) was no longer in service. o Their email ( XXXX XXXX ) came back with this message : Sorry, we were unable to deliver your message to the following address.
XX/XX/XXXX Barclays fraud department was contacted again. Fraud charges were still our responsibility. Reason - USPS tracking number.
XXXXdentity Force was purchased by my husband and I. Process with Barclays and XXXX started with them. The transaction ID from Barclays was needed. Barclays and XXXX were still unable to provide this documentation. As stated previously 7-10 business days passed still no documentation.
Barclays fraud department was contacted again.
XX/XX/XXXX Documentation for the shipment was never received. Barclays fraud department was again contacted. A supervisor was supposed to get back to XXXX no later than XX/XX/XXXX.
XX/XX/XXXX Received a phone call from this number : XXXX. When I answered, it said that this conversation will be recorded and then the person hung up. This happened twice. Several attempts were made to contact this number received a canned message from Barclay. No success reaching a live person.
XX/XX/XXXX Barclay fraud department was contacted again. At this time the USPS tracking number was given over the phone. I was able to track the package using the USPS tracking number. As stated earlier, the package weighed only 1.8 ounce and was mailed first class. According to the postal service employee, first class mail can only be 16 ounces or less. I have included a copy of the USPS tracking information which shows that the " package '' was sent first class and only weighed 1.8 ounces.
Please let me know if you need more information.
|
| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Barclays reported my XX/XX/XXXX payment as being 30-days past due. The delinquent account showing on my credit report fir XX/XX/XXXX was due to XXXX pandemic and I intend to make up the payments as soon as I could, and the payments were made up with the account becoming current. At the time of the due payment my state and city had a 'shelter in place ' due to quarantining myself due to XXXX symptoms.
Section 4021 : Credit Protection During XXXX The CARES Act amends the FCRAs duties on furnishers during the XXXX crisis in a significant way. If a furnisher makes an accommodation with respect to XXXX or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make one or more payments pursuant to the accommodation, then the furnisher must report such credit obligation or account as current during the period of the accommodation. Importantly, this means that furnishers should not report an affected account using forbearance coding during the accommodation period and, instead, should report that account as current.
If the account was delinquent prior to the accommodation, then the furnisher must report the account as the status reported prior to the accommodation until the account is brought current.
An accommodation is defined as relief granted to a consumer who is affected by XXXX during the covered period. And, according to Section 4021 ( F ) ( i ) ( II ), the covered period is the period beginning on XX/XX/XXXX, and ending on 120 days after the XXXX national emergency is terminated which was XX/XX/XXXX. The Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. The Bureaus statement informs lenders they must comply with the CARES Act. The Bureaus statement also encourages lenders to continue to voluntarily provide payment relief to consumers and to report accurate information to credit bureaus relating to this relief. The continuation of reporting such accurate payment information produces substantial benefits for consumers, users of consumer reports, and the economy as a whole. If a consumer is able to obtain a covered accommodation, the CARES Act offers the following protections : If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ).
If the consumer was already delinquent when the consumer received the accommodation, but complies with the accommodation agreement, the creditor or other furnisher must report the same delinquency status during the accommodation period. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( aa ). The CARES Act provision is considered in pari materia with the standard for accuracy under the reinvestigation requirements of CRA-referred disputes under section 1681s-2 ( b ). Therefore, the CARES Act provision informs those reinvestigation duties.
Indeed, several courts note the interplay between furnisher duties found in subsections 1681s-2 ( a ) and 1681s-2 ( b ). See NCLCs Fair Credit Reporting 6.10.5. Most notably is the Fourth Circuit in Saunders v. Branch Banking & Trust Co. of Virginia, 526 F.3d 142, 150 ( 4th Cir. 2008 ) : The first subsection, 1681s-2 ( a ), provides that furnishers have a general duty to provide accurate and complete information ; the next subsection, 1681s-2 ( b ), imposes an obligation to review the previously disclosed information and report whether it was incomplete or inaccurate upon receipt of a notice of dispute from a CRA. The second subsection thus requires furnishers to review their prior report for accuracy and completeness ; it does not set forth specific requirements as to what information must be reported, because these requirements have already been set forth in the first subsection.
As stated by one court summarizing the Saunders jurisprudence, If a furnisher has a duty to report information under the subsection ( a ) standard, that information must also be covered by the subsection ( b ) duty to investigate and correct incomplete or inaccurate information. Shames-Yeakel v. Citizens Fin. Bank, 677 F. Supp. 2d 994, 1005 ( N.D. Ill. 2009 ).
|
| 08/22/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I am writing to ask for your assistance in settling a dispute with Barclays Bank XXXX XXXX MasterCard over unauthorized charges to my credit card in the amount of {$13000.00}. These charges were fraudulently processed by the employees of XXXX XXXXXXXX located at XXXX XXXX XXXX in XXXX XXXX, XXXX on XX/XX/XXXX. The false charges were made to my credit card while I was in XXXX with my family for the XXXX XXXX.
While reviewing my recent credit card activity on XX/XX/XXXX, less than 2 days after patronizing XXXX XXXX, I was shocked to see 13 individual charges that I had not authorized posted by XXXX XXXX ( aka XXXX XXXX ) adding up to a total of {$13000.00}! I immediately called MasterCard to ask them to stop payment on these charges and explained that I had not authorized them. At the time of my phone call to MasterCard the charges were in a pending stage. The MasterCard representative informed me that an investigation would take place regarding this matter. However, it was also explained to me that since my card was a chip card and because I was still in possession of this card that MasterCard considered these to be valid charges.
Details of the individual bills including the items that I supposedly ordered while at XXXX XXXX are attached. The bulk of the phony charges were attributed to 44 bottles of champagne and wine that I had allegedly ordered. ( To provide a bit of context, I spent the evening at XXXX XXXX with a childhood friend, and hence the notion that 2 people ordered 44 bottles of champagne/wine is beyond outlandish. ) After getting off the phone with the MasterCard representative, I immediately went to XXXX XXXXXXXX to discuss the unauthorized charges they had posted to my card. The manager became irate with me, shouted expletives and then produced 13 receipts for the charges. As this was clearly a scam, my next step was to report this illegal activity to the XXXX XXXX police department. The police assured me that they would investigate.
Since my initial phone call to MasterCard, I reached out to them several times to discuss this matter. I provided them with a summary of the events and details of the receipts to emphasize the outrageous and highly dubious charges. I also included a receipt from the XXXX XXXX police department confirming that I reported the crime to the appropriate authorities. It should also be noted that on 2 separate occasions, investigators in the fraud department at MasterCard confirmed that XXXX XXXX had been uncooperative in terms of providing information from their end.
Although MasterCard officially closed the case on XX/XX/XXXX stating that I am responsible for the full {$13000.00}, I contacted them once again to re open the case. They could not guarantee that they would re open the case, and hence, I would like to request that the Consumer Financial Protection Bureau help me to resolve this dispute with Barclays XXXX XXXX MasterCard.
My wife and I are distraught over this situation and are extremely angry with Barclays XXXX XXXX MasterCard for their inaction. I dont understand how they allowed 13 charges to be posted to my account from the same business over a course of a few hours. How was this not flagged as suspicious activity and stopped? Arent there processes in place to stop consecutive suspicious charges? MasterCard claims to use all kinds of tactics including artificial intelligence to detect fraudulent activity, but these phony charges were allowed to continue to be processed in approximately 20-30 minute intervals. What kind of protection is this for the consumer especially considering that this activity took place in a country where fraud and financial scams are sadly not uncommon. MasterCard claims to have a zero liability policy for unauthorized charges, however, in this situation they are holding me responsible for outrageously large charges that I did not authorize.
I have been a Barclays XXXX XXXX MasterCard holder in good standing since XXXX and have never had a monthly bill that came anywhere near the amount that was charged to my card by XXXX XXXX.
Attached are photocopies of phony receipts, a summary of those receipts, and a letter from Barclays XXXX MasterCard stating that I am responsible for the unauthorized charges. I truly appreciate your help in rectifying this difficult situation.
|
| 10/21/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On the night of XXXX XXXX and into the early hours of XXXX XXXX in XXXX, XXXX, I was invited to a bar after a bar had closed by a promoter/employee of a popular bar nearby. After seeing people also making their way towards this bar I followed this promotor inside who had promised a free drink for doing so. Inside this bar I made conversation with several people and bought several drinks, all with the intention of leaving back for the XXXX I was staying in from there. As the time approached towards when I wanted to leave, I was given my free drink a drink of pink color and sparkling vodka type visual look and it was shortly after taking this drink and finishing it, my night became very blurry. I barely remember anything but what I do remember is XXXX XXXX on the XXXX in a strange part of the bar that did not look familiar, I was XXXX XXXX XXXX on XXXX XXXX and had XXXX both on the floor and XXXX XXXX XXXX. It appeared as though XXXX XXXX was XXXX and I could barely XXXX XXXX on the floor. I ended up going back into XXXX for the next hours until I was XXXX XXXX into the street. When XXXX in the morning on a XXXX, I had : - NO Cell Phone ( XXXX XXXX XXXX ) - NO Bank # 1 Debit Card - NO Bank # 2 Debit Card - NO US CA Drivers License My credit cards in my wallet had been rearranged in a way that didnt make sense, eventually I Had come to learn that ALL my credit cards and debit cards had been charged at some point in the night by someone at the bar.
The total amount of charges exceeded {$13000.00} USD.
Luckily for me, Credit Card Company # 1 BLOCKED over {$800.00} + in charges as XXXX XXXX in XXXX shows up as a Fertilizer Company to my Credit Card Company.
Credit Card # 2 and Debit Card # 2 took over {$6400.00} in charges and Debit Card # 1 and Credit Card # 3 had taken over {$3000.00} Luckily for me the bank of both the debit card and credit card BLOCKED the charges and nothing actually went through.
Barclay Bank, whom I possess a XXXX Credit Card and had never used in my entire trip to XXXX was charged over {$8000.00} but the Bank had blocked the charges of over {$5200.00} of it. I know this because I was told so when calling them while in XXXX, XXXX on the night of XXXX XXXX, XXXX and using my friends phone to call all of my banks to report FRAUD and DISPUTED CHARGES.
Although Im appreciative that Barclay Bank had blocked two ( 2 ) additional charges made on top of the first ( 1 ) charge of {$2700.00} +, the first charge made it through the processing and was passed down to me as a charge on my account.
I disputed the charge by explaining that I was XXXX and that my card had been taken from me and used repeatedly by having had charges made on it.
An investigation began to where statements were made and phone calls and letters were corresponded back and forth between Barclay and myself.
In XXXX of last month on the morning of Tuesday, XXXX XXXX, I received a letter in the mail stating that Barclay Bank had completed an investigation to which made Barclay side with the merchant XXXX XXXX and place the charge back on my account to be paid by a due date.
Not only did Barclay BLOCK additional charges made by this merchant on my card previously but was not providing any REASON for why they decided to choose to side with the merchant over myself after knowingly blocked this merchant from having made these additional charges.
When you go and make a legitimate purchase, why would your card decline it? This is the most obtuse financial situation Ive ever been in my life with a financial institution. Literally the XXXX bank that tried to prevent up to $ XXXX being charged on my account in a matter of minutes is now saying I owe for the first transaction of {$2700.00} that was able to go through.
What could I have possibly spent that night on that single card to which would make the purchase rise to the amount charged in the transactions easily totaling {$7000.00}?? A single alcoholic beverage in XXXX costs as little as {$1.00} to {$3.00}.
Why would my card even be able to process a transaction as high as {$2700.00} + dollars in XXXX purchase after having not been used in all of XXXX while coming from California where my last purchase was made?
Why was I not provided any written or verbal reasoning for accepting the charge ( s ) made on my account as VALID.
|
| 11/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
Greetings, I bought a plane ticket through the travel agency, XXXX XXXX from XXXX XXXX using my XXXX XXXX XXXX XXXX XXXX Master Card credit card account ending in # XXXX with a post date of XXXX XX/XX/2020 in the amount of {$330.00}. On XXXX XX/XX/2020 I received an email from the travel agency stating : " '' Dear XXXX XXXX XXXX Thank you for choosing XXXX for your travel reservations. Your reservation with booking # XXXX made on Saturday, XX/XX/2020 has been cancelled on XX/XX/2020.
Any authorizations made to your credit or bank card will be released within 7 14 business days.
Please visit our web site at XXXX or call our Customer Service Department using our toll free number XXXX for all your future travel needs.
Thank you, XXXX Billing Department '' '' I never received any release and the charge stayed on my account.
I then disputed the charge with Barclays credit card and they stated : " '' Merchant supplied itemized copy of documents that this charge is valid. Merchant supplied documents such as the transaction details. Service was provided. '' '' In fact, the service was NOT provided as proven by the above email from the travel agency. This is a false claim by the XXXX XXXX.
Now the Barclays is telling me that they can not assist me with a credit because I did not provide them with a print out of the email within 10 days. So they accept the XXXX XXXX false statement and they reject mine. They sent a written request for information to home. I was not home at that time. Once I did arrive at my home, I called them and discussed the fact that I had no printer, and the public library was closed due to the virus. I had no way of sending them this email since they did not receive emails but only mail by post.
XXXX XXXX continues to tell me that they are contacting and re-contacting XXXX XXXX to get the refund but XXXX XXXX is telling them they can not issue a refund because I have disputed the charge with Barclays Bank. I have provided copies of the documents from Barclays Bank showing the dispute is closed and no refund was issued.
THIS IS THE MOST IMPORTANT INFORMATION ( an email from XXXX ) ===================================== From : Collections XXXX XXXX Sent : Friday, XX/XX/2020 XXXX XXXX To : XXXX XXXX Subject : " Reply urgently '' Charge-back Received On The Booking Ref : XXXX Kind Attention : XXXX XXXX XXXX, XXXX Booking Ref : XXXX Travel Cities : XXXX, XXXX XXXX XXXX XXXX XXXX to XXXX, XXXX XXXX XXXX XXXX Travel Date/s : Sun XXXX Traveler/s : XXXX XXXX Total Booking Amount : {$330.00} Charge Back Amount : {$330.00} Dear Mr.XXXX, This is with reference to the above reservation you made through XXXX on XX/XX/2020 XXXX XXXX.
We received a communication from the Airline informing us that you had disputed the charge of {$330.00} paid towards purchase of the above tickets. As a result your bank reversed the transaction and the Money was taken back from the airlines account. Please be advised that, as you have file a charge back, Airline does not allow us to process refund as that could lead to double credit. So, we have informed Airline that you are looking for full refund. Airline might have accepted the charge back so that you could get the permanent credit of the disputed amount of $ XXXXPlease check with your card company XXXX whether you have received permanent credit of the mentioned amount ).
For any queries, please respond to this email. We are temporarily unable to take calls during this time and apologize for the inconvenience. We are available from Monday through Friday between XXXX XXXX and XXXX XXXX EST IMPORTANT CONTACT INFORMATION : Please note that our customer care centers are temporarily closed to protect our employees from the COVID-19 pandemic. Because of this, our phone lines are disconnected. However, you can still reach us by replying this email. Well be happy to help you with all your questions about chargeback, or any related issue you might have experienced due to the COVID 19 pandemic.
Regards, XXXX XXXX / Charge Back Department XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX, NY XXXX Ph : XXXX Ext : XXXX Fax : XXXX ====================================================== Every month Barclays Bank adds interest charges and late fees and my credit score goes down down down.
Please Help!
XXXX XXXX
|
| 10/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Credit Card - XXXX XXXX XXXX XXXX, Barclays Bank Delaware I hired a company to renovate my basement. I had a signed contract, receipts, pictures, emails, and text messages. I disputed the charges because the contractor stopped coming to work. My house was a mess, the job was very incomplete, and I had paid ( charged ) {$22000.00}. I contacted Mastercard in XX/XX/XXXX to dispute the charges and I was awarded a full refund in XX/XX/XXXX.
My balance as of XX/XX/XXXX - credit for {$22000.00} My balance as of XX/XX/XXXX - credit for {$18000.00} My balance as of XX/XX/XXXX - credit for {$17000.00} My XX/XX/XXXX statement shows a refund check issued on XX/XX/XXXX for {$16000.00}. However, I never received the check.
XX/XX/XXXX, I spoke to XXXX and she put a stop payment on the check and issued another one which I should receive in 7 to 10 days.
XX/XX/XXXX, I spoke to XXXX who said it takes 25 days for me to receive the check. I spoke to XXXX, the supervisor and again put a stop payment, issued a new check.
XX/XX/XXXX, I spoke to XXXX, who once again put a stop payment, issued a new check and said I should receive it by XX/XX/XXXX. She credited me for the balance on my XX/XX/XXXXstatement. At this point my balance was a credit of {$14000.00}. XXXX assured me I would have the check by XX/XX/XXXX.
XX/XX/XXXX, I called a spoke to XXXX, the supervisor over everyone. She said my case was being handled by people in the " front office '' and she had no way to contact them except through email. She sent them an email and promised to get back to me. She did not.
XX/XX/XXXX, I spoke with XXXX, he could see all my transactions, the credits, and the number of times I had called. He was going to speak to XXXX as soon as she got in that morning and see what was happening. He promised someone would get back to me. No one did.
XX/XX/XXXX, I spoke with XXXX again ( and we both laughed at the stupidity of the situation ). He remembered my situation. Again, XXXX was not in yet, he emailed her and again promised she would call me back that day. Again, she did not.
XX/XX/XXXX, I spoke with XXXX who said there was nothing she could do. By this point I had a payment due. She said I should make the payment - which is crazy since they owe me {$14000.00}. Again, nothing she could do but escalate the case. She also said XXXX would not be calling me back because XXXX had no new information to share with me.
XX/XX/XXXX, I spoke to XXXX, who told me the only person over XXXX - the top supervisor - was the president of the company, but he didn't know his name. I suggested he ask the person sitting next to him for the information. He did and he even got me the address and fax number. He said the only course of action was to stop payment on the check and issue a new one. I explained this had been done multiple times to no avail. He said it was the only course of action and I would receive the new check prior to my bill being due. I should receive the check on XX/XX/XXXX and by bill was due on XX/XX/XXXX. That did not happen.
XX/XX/XXXX, I spoke to XXXX who was very sorry to hear what was happening, but he could not help because the system was down.
XX/XX/XXXX, I spoke to XXXX who was very, very apologetic and said not to pay the bill, there would be no interest and she was going to get to the bottom of things by escalating my case once again. At this point, the card was now being declined, and I could not use it. I have bills set up to be paid on this credit card which are now being denied.
XX/XX/XXXX, XXXX confirmed my card is being declined due to balance not being paid and suggested I pay the balance! I am losing my mind about now.
XX/XX/XXXX, XXXX said there is nothing anyone can do except escalate the case. She also said if I am concerned about the card being denied I should pay the balance. I am clearly losing my mind.
XX/XX/XXXX, XXXX is now reviewing my case to resolve the issue. I told him my official complaint with the CFPB is ready for me to hit send. He is very sorry and suggests I make the minimum payment at the least while the Settlement Department takes another 7 to 10 days to figure it out.
Seriously?? I am NOT making a payment to a company who owes me $ {$14000.00}!
Time for me to hit send and find another credit card company to use.
|
| 04/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I booked a group vacation with XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was scheduled to travel to XXXX XXXX on XX/XX/XXXX.
I made the following payment using my Barclays Bank Delaware credit card, ending XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX postponed my XXXX XXXX XXXX via an email on XX/XX/XXXX due to XXXX travel restrictions. They gave me a new trip date of XX/XX/XXXX.
*Please see attached email postponing my trip and moving me to a XXXX date in XXXX *Please see the attached XXXX XXXX receipt of payment with the confirmed dates of trip XXXX XXXX went bankrupt on XX/XX/XXXX. It was at this stage I became aware that I would not receive the services that I paid for.
*Please see the attached email sent to me by the insolvency practitioners, XXXX XXXX XX/XX/XXXX, informing me of the administration.
Under the Fair Credit Billing Act it is my right to claim a refund when the service I paid for is not received due to a company 's bankruptcy.
I attempted to open up a chargeback dispute with my XXXX credit card, using the goods or services not provided code - XXXX for XXXX XXXX has refused to open my claim on the basis that it was past the time to do a normal dispute My bank is wrong.
The time limit for making a claim should start from the date you were expecting to receive the service/trip not from the purchase date, given you are buying something to be delivered in the future.
In my case this date should be my new trip date of XX/XX/XXXX. Alternatively, they may use the date I found out that I would not receive the trip ( XXXX XX/XX/XXXX ).
XXXX claims that on chargebacks there is normally a XXXX day limit, but this can be extended to XXXX days if the services were to be provided at a future date. So, for example, a vacation. I first tried to dispute the charge on XX/XX/XXXX via letter as XXXX said the only way was to mail information.
I called XXXX on XX/XX/XXXX for a XXXX time and they said the original letter that I sent months ago can not be found. XXXX does not know what happened only that it must have been lost. So I am resending this information for a dispute of a charge last year.
XXXX XXXX XXXX Department XXXX. XXXX XXXX XXXX Delaware XXXX I finally got a letter back from XXXX XXXX saying the dispute was too old. I sent a third letter on XX/XX/XXXX XXXX I am sending this back to you for the XXXX TIME.
As I stated in my documentation prior, the company is more than willing to give this back to their customers. They have codes as you can see in this letter for XXXX, where they are based. They have instructed us as Americans to go through our financials institutes to take care of it. You are supposed to cover me.
I want a refund for my membership and this card canceled if you are not willing to properly dispute this {$300.00} transaction that was charged so long ago because it was for a prepaid trip.
I also stated in my previous letter to you, and there should be multiple documented calls, that I sent this dispute with no response months before. I was FINALLY told by XXXX after calling multiple times that it must have been lost, sorry please send it all again.
I am attaching a direct letter from the company, they are requesting us to get these disputed and get our refunds. And no where in this letter from XXXX do I see where it says you can appeal this matter as stated by the fair credit reporting act.
XXXX XXXX again has ignored my letter and I they also charged me a membership fee when I requested in writing to close this account a refund my membership fee as well.
I have been informed by the insolvency practitioners XXXX that all credit card paying customers should go to their banks for a refund. The XXXX Government backed XXXX XXXX XXXX are advising me to do the same via this letter XXXX : XXXX I have been informed by XXXX XXXX and the administrators for the company, XXXX, that I am not financially protected in any other way.
*Please see the attached XXXX XXXX XXXX relevant to my booking *I have attached a copy of the flowchart sent to me by XXXX - please see the red box in the bottom right corner clearly showing that US customers XXXX not protected by financial failure insurance.
I would like XXXX to open my dispute and refund me, in accordance with the XXXX XXXX XXXX XXXX.
|
| 08/15/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
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Web |
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I did not *AUTHORIZE* for a merchant ( XXXX XXXX ) to CHARGE my credit card for THREE amounts ( {$750.00} ), {$350.00}, AND {$350.00}. I notified my Credit Card Company immediately and was advised so long as I did not *AUTHORIZE* I would not be responsible for any unauthorized charges. I have GFRAUD protection, and Barclays Bank is the WORST in protecting their customers from wrong full unauthorized merchants who wrong fully bill card holders for services NOT rendered. Any written agreement I had with this merchant is between me and the merchant in Court. I NEVER authorized this merchant XXXX XXXX to Bill my card for 'services ' he was SUPPOSED to render but never did, I attempted to resolve the issue with the merchant and the day I found these charges the merchant indicated in 'text ' and email form that it was an error and he would correct it. I contacted my Bank and spoke to Barclays Bank advising that although this merchant had my credit card information, I DID NOT* EVER sign or agree to a signiture on file or ANY document authorizing this merchant to bill my card, THIS MERCHANT **NEVER** did any work on my behalf as he promised to protect me. The merchant NEVER sent me any itemization for a bill for services because there was NO SERVICES rendered. The merchant also has REFUSED certified mail from me that I DO have. Barclays Bank so called investigation process NEVER* sent me any request to submit documentation to Support my claim. As a matter of FACT * I spoke to XXXX on XX/XX/2018 at Barclays Bank Disputes department who ASSURED me my case was CLOSED and the wrong full charges that wasp on my account by XXXX XXXX WAS CLOSED and would NEVER** be reopened. I asked if there was a need to file a police report against this CROOK XXXX XXXX and was told by XXXX on a recorded line on XX/XX/18 " NO '' this matter is CLOSED I ASSURE YOU AND YOU WILL NOT HAVE TO PAY FOR SERVICES never received and never authorized. I was FORCED to close my original card when I learned of the unauthorized charges. I was inconvienanced and stressed out to the max. The correspondence I received from Barclays Bank dated XX/XX/2018 indicates the investigation would be 30 days from XX/XX/18, this is why I called Barclays Bank and was ASSURED on multiple occasions that my card would not be CHARGED for charges I did NOT* authorize. I also received CREDITS on my statement in XX/XX/XXXX, there were there : {$750.00}, {$350.00} {$350.00}. The UNFIAR practices by Barclays Bank requires investigation. I request that BARCLAYS make a COMPLETE FAIR< AND FULL INVESTIGATION. I received a VERY disturbing call on XX/XX/18 from Barclays disputes dept ( XXXX ) who was ROOD unprofessional, lacked compassion, and REFUSED to let me speak to some one above her. I was not supplied with the name of her supervisor and I TRIED to explain that was NEVER given the opportunity to submit supporting documentation from this 'crook ' that wrong fully charged my credit card. BARCLAY 'S BANK denied my RIGHT for a full and fair investigation, pursuant to MASTER CARD " CHARGE BACK CODES '' : # XXXX ( CARD HOLDER DOES NOT RECOGNIZE '' Potential Fraud ) # XXXX ( SERVICES NOT RENDERED ) XXXX # PROOF OF SERVICES ) XXXX # DEFECTIVE NOT AS DESCRIBED. INSTAED OF Barclays Bank * PROTECTING* IT ; S CUSTOMER AS MY SELF, BARCLAYS PROTECTS THE MERCHANT WHO WRONG FULLY, ILLEGALLY CHARGES CUSTOMER 'S AS MYSELF, I WILL NOW BE FORCED TO TAKE ANY AND ALL PUBLIC AND CIVIL ACTION AGAINST BARCLAYS AND THE MERCHANT. I WILL ALSO BE CONTACTING THE FEDERAL RESERVE, MASTERCARD, AND EVERY FORUM TO SUPPLY EVIDENCE THAT BARCLAYS HAS VIOLATED MY RIGHTS AS A CONSUMER FTC, BARCLAYS BANK ***REFUSED*** TO ALLOW ME TO APPEAL THE WRONG FULL DECISION UPON RECEIVING THE PHONE CALL FROM BARCLAY 'S DISPUTE DEPARTMENT ON XX/XX/18. Barclays Bank*** NEVER*** ALLOWED ME TO SUBMIT ANY DOCUMENTATION TO SUPPORT THAT THIS MERCHANT XXXX XXXX XXXX A CROOK, XXXX XXXX `` ADMITTED '' VIA TEXT AND EMAIL " I WILL CORECT THIS BILLING ERROR '' AND JUST BY XXXX : XXXX XXXX ESQ '' IT IS NOTE ABLE THAT THIS MERCHANT HAS OTHER 'VICTIMS ' THAT HE WRONGFULLY BILLED FOR SERVICES NEVER RENDERED. I WILL PURSUE THIS MATTER TO THE EXTENT OF THE LAW, AND I WILL NOT** I WILL NOT PAY FOR SERVICES I DID NOT ONLY NEVER RECEIVE BUT I NEVER AUTHORIZED.
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| 07/19/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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In XX/XX/XXXX or XX/XX/XXXX, I received a physical mailer from Barclaycard inviting me to participate in a bonus miles offer ( promotion code XXXX ). According to the offer, I would receive XXXX bonus XXXX XXXX XXXX miles after spending $ 2,500+ on my XXXX XXXX XXXX XXXX XXXX each month from XX/XX/XXXX through XX/XX/XXXX. I enrolled in the promotion and began to meet the spend requirements. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I received emails from Barclaycard confirming I had met the spend requirements for XX/XX/XXXX through XX/XX/XXXX. I have attached copies of each email. Given I never received a final email in XX/XX/XXXX indicating I met all requirements and would indeed receive the XXXX miles, I contacted Barclaycard on XX/XX/XXXX to check on the status. The phone agent said she could not verify my enrollment and created a case for further review ( case ID XXXX ). Since I was confident I had enrolled and had as proof my progress tracking emails from Barclaycard, I emailed online customer service the same day ( XX/XX/XXXX ) to confirm my enrollment and eligibility. I received the following response from Barclaycard customer service on XX/XX/XXXX ( full correspondence attached ) : We are pleased to confirm that your account was successfully enrolled in the promotion to receive XXXX bonus miles for spending {$2500.00} or more each month from XX/XX/XXXX through XX/XX/XXXX. We have reviewed your account, and are also pleased to confirm that the spend requirement was met each month from XX/XX/XXXX through XX/XX/XXXX. Please note, bonus miles will be awarded 6-8 weeks after the promotional period ended on XX/XX/XXXX, and you can expect to receive them within the next 1 - 2 billing cycles. As the 6-8 week timeframe has not yet passed, the bonus miles have not been added to your account as of this message. I then waited for my XX/XX/XXXX statement to process, as I expected the 30,000 miles would post on this statement given the above reply as well as promotion details which specified the " bonus miles will appear on your statement up to 6-8 weeks after the end of the promotion, '' which ended on XX/XX/XXXX. The miles did not post, so I again contacted customer service by phone on XX/XX/XXXX. I was assured I met the requirements and would receive the miles on my next statement. Another case was issued ( case ID XXXX ), and the customer service manager issued 10,000 additional miles as a courtesy for the inconvenience and as acknowledgement that I met the requirements and unfortunately had to wait longer than promised for the miles. Since XXXX XXXX, I have periodically checked in with Barclaycard via both phone and online to check on the status of the case. I have routinely been told the case may take up to 30 days for completion, which did not seem justified given my initial case is over 30 days old and related to the same issue. I spoke to a Barclaycard manager today, XX/XX/XXXX, and sent her all relevant correspondence so that she could attempt to escalate the matter. She acknowledged there may have been an internal system issue given a XXXX refund did not post until early XXXX, which affected my net purchases in XXXX. However, related to this topic, I spent above {$2500.00} on purchases in XXXX ( none of which were returned/refunded ) ; the XXXX refund shows a transaction date of XX/XX/XXXX and is related to a XXXX purchase ; and I received multiple confirmations from Barclaycard after XXXX that I had indeed met the spend requirements for XXXX. The promotion details also mention nothing regarding purchase activity being based on posting date vs. transaction date. I am frankly dismayed that Barclaycard would even present this as a potential issue after the countless confirmations I have received about successfully meeting the requirements. It causes me great concern that Barclaycard seems to be trying to find ways to absolve itself from issuing the miles related to this promotion. I have been very patient in trying to resolve this issue internally, but I have been unsuccessful in reaching resolution. Given my inability to reach a person or department of authority and the conflicting reports I have received from agents, I felt it was necessary to issue a complaint through the CFPB.
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| 11/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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To Whom It May Concern, XXXX XXXX DBO-XXXX Acct. Nos. : XXXX Dispute ID Nos. : XXXX I filed a dispute around XX/XX/2019 with Barclay in regards ( information listed above ).
I am a Barclays Group US , Inc., or one of its corporate affiliates ( hereinafter, Barclays ) cardholder who has attempted to dispute transaction ( s ) in which I have not received anything of value from the merchant and I have yet to receive confirmation from Barclays that my account ( s ) will be credited the full amount of the transaction ( s ) including interest or I have been told that my dispute has been denied by Barclays.
I am writing to inform you that I would like to continue my dispute of the following transactions : I am the cardholder to whom a credit/charge card was issued by Barclays Group US , Inc., or one of its corporate affiliates ( hereinafter, Barclays ) with the last four digits of XXXX ( hereinafter, XXXX XXXX ). On or about XX/XX/2019, charges were made on XXXX XXXX by a merchant named XXXX XXXX in the amount ( s ) of {$31000.00} ( the XXXX XXXX Transaction ). I never received any goods, services or anything of value from the merchant as a result of this XXXX XXXX Transaction. The merchant has refused my requests for a refund or cancellation of this XXXX XXXX Transaction. I contend that I should not be held responsible for the XXXX XXXX Transaction ( or for any interest, penalties or other fees arising from or accruing as a result of that transaction or my failure and refusal to pay that charge ). I have attempted to dispute the charge with Barclays through Barclays prescribed procedures and have not been successful in getting any assurances from Barclays that Barclays will not seek to hold me liable for the full {$31000.00} in XXXX XXXX Transaction.
It is my understanding that XXXX XXXX and XXXX XXXX, XXXX are under the common ownership and control of an individual named XXXX XXXX aka XXXX XXXX XXXX aka XXXX XXXX ( XXXX ), and at all times XXXX, XXXX XXXX, and other entities under XXXX 's control acted interchangeably and in concert with one another in my and other cardholders ' interactions with them, and all are named together as defendants in this action and referred to as the XXXX Merchant Defendants. The XXXX Merchant Defendants provided no goods, services or anything of value to me with respect to the card transactions listed above ( collectively, the XXXX XXXX Transactions ).
The merchant ( s ) and their owners have likewise refused to provide me with a refund or credit.
In your letter denying my dispute on XX/XX/XXXX, you mention that you will be sending the merchants response to my dispute claim. However, no such merchants response was ever sent or received.
After not receiving any communications, after sending in my response to your XXXX Dispute denial on or around XX/XX/2019. I decided to call in Barclays customer service and dispute team to discuss the matter. After speaking to XXXX ( Operator ID # XXXX ), I was told that the dispute was resolved " in my favor '' to the amount of {$12000.00}. With the remaining amount not resolved " in my favor '' being {$19000.00}.
To give some background, on XX/XX/XXXX the charge for XXXX was made of {$31000.00}. On XX/XX/XXXX I accidentally paid the Barclay account balance of {$19000.00}, before I had known that I would be needing to dispute the charge. The months after I also paid extra amounts totaling around {$500.00} in minimum payments and interest. However, typically when an item is under dispute and resolved in ones favor such interest and payments should be returned. Therefore, I think it is absolutely unjust and cruel to not grant me the full amount of the dispute simply because I accidentally made a payment of a transaction I did not know would later need to be disputed. It is a bid ridiculous that it was decided to have only the amount I had not paid to be ruled in my favor and the amount I did happen to pay still gets lost/stolen by the merchant. {$19000.00} is not an insignificant amount and getting back that money lost would help me and my family greatly in a time like. Moreover, even after they granted the dispute in my favor I have been receiving statements and the online account still shows I have over {$19000.00} in amounts owed.
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| 05/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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On XX/XX/2022 my wife and I attended a timeshare presentation hosted by XXXX XXXX in XXXX, CA. What we had been told was a tour of the facility was in fact a high pressure sales meeting. Our sales representative was XXXX XXXX. XXXX initially walked us through some benefits of the program and when I asked about pricing for their product, she indicated that they would need to run a credit check to see what discounts we might qualify for. XXXX had trouble handling this so called over another woman whose name I did not catch to help get this information entered on a tablet. After finishing this, we started to leave for the actual facility tour. Just as we were standing up, the other woman returned and said she needed one more signature for the credit check. I noted that this screen mentioned a credit card and asked about that. I was told that it was all related to the credit check for the loan application. After another hour or so of sales presentation, we decided not to purchase a timeshare and left.
Several hours later I received an email ( screen shot included ) that said I had been approved for a credit card and would receive it in 7-10 days. I was never shown terms for this card and gave informed consent to apply for a credit card. It was too late in the day to reach out to XXXX at this point and decided to do so the next day.
On the morning of XX/XX/2022 I started by calling the XXXX XXXX desk and reaching out to the frontline sales manager XXXX XXXX. I had met XXXX briefly the day before and given the fraudulent nature of the ultimate interaction, I thought best to start by reaching out to him. I was told he was currently unavailable and that he would give me a call back. I instead was contacted by XXXX XXXX, the finance representative XXXX we had met the day before. I explained the problem to XXXX, he indicated that the issuing of a fraudulent card sounded serious and " above his paygrade, '' and that he would have XXXX XXXX or even someone higher up give me a call back. Though that phone call occurred around XXXX, I would not hear from anyone else the rest of the day. I made several more attempts to reach out and was put off each time.
In the meantime, I reached out to the actual card issuer, XXXX. I canceled the card and filed a complaint against XXXX for fraudulently opening it for me without my informed consent. After being transferred to a manager on their phone line, I was told the card would be marked as fraudulently opened, that a formal complaint would be filed, and that the credit reporting agencies would be informed of the fraudulent activity. I expected to receive written confirmation of this in 7-10 business days. No written confirmation was provided however.
On XX/XX/2022 I again reached out to XXXX. This time I finally did receive a call back from XXXX after about 20 minutes. He claimed that he had tried to reach out to me multiple times the previous day but had gotten a busy signal each time and was unable to reach me or leave a message. This sounds unlikely as I received several calls that day on my cell phone, but it is the excuse he gave for not contacting me previously. XXXX was apologetic and confirmed that he would take corrective actions with the other sales teams members. At my request he also looked into what they could do to apologize to us. After discussing it with his manager he offered us a free weeks stay at a XXXX property and said he would be mailing us a voucher for that. He requested I send him my address so that he could take care of the voucher. I promptly replied.
On XX/XX/2022 I contacted XXXX again as I had not heard anything from him or his company. He said he had not recevied my email, despite it being part of the same thread, and asked for my phone number. I recevied a voucher for a 7-night stay at a resort on XX/XX/2022. The voucher must be registered within 6 months and used within one year after registration. I will still be responsible for taxes and fees, but this seems to be a good solution to me provided I am not required to attend another timeshare presentation.
Given the trouble with resolving this issue and the extended effort I needed to expend in contacting and holding XXXX to its word, I wanted to make sure this incident was reported.
|
| 05/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/XXXX. I had sent the executives of Barclaycard a letter requesting a goodwill adjustment of late payments reflecting on my credit reports for the months of XX/XX/XXXX through XX/XX/XXXX.I had explained that it was an exceptionally difficult and chaotic time in my life as I was balancing the birth of my XXXX child onXX/XX/XXXX and dealing with recovering from Hurricane Irmas devastation to our home in XX/XX/XXXX all while managing a family of XXXX on a single ( XXXX XXXX XXXX ) paycheck. My husband was out of work and due to me being on XXXX XXXX my reduced paycheck was the only source of income providing for my family. It was extremely challenging to provide the basic necessities day in and out. I thought once I was able to return to work fulltime from XXXX XXXX my finances would turnaround but then we were hit with Hurricane Irma in XX/XX/XXXX. The Hurricane knocked out our power, damaged our house and roof. We had to temporarily move out of our home and take up residence in a hotel. We were stuck with making very difficult decisions weighing our financial obligations with basic living necessities. That was a very dark time for my family, but thankfully we survived this setback. Now that I have found a prosperous balance in my life and gone back to work full time, I honestly can not associate with the person that let this payment obligation go unattended to. I fully respect my obligations with Barclay and have worked diligently to amend my relationship with you by regaining your trust. I am working on my credit and trying to provide a better life for my XXXX children. I m not proud of this black mark on my record, but I was making payments with as much money I could scrape together during that rough period. A brief look at my account will reveal I have successfully made 5 full on time payments since my unfortunate lapse of judgment. I realize I made a mistake in falling behind, but up until that point my payment history with you had been spotless. When I was able to fully work again, I quickly resumed paying my credit card balance, making it a top priority. I included proof of my being out on XXXX XXXX in XXXX and that I was impacted by Hurricane Irma. Shortly after sending the letter to the office of the president and other executives, I received a call from XXXX a representative from the office of the President. She stated she will look into my case and get back to me. XXXX got back to me a few weeks later to inform me that although they can not remove all 6 late payments from my credit file they were able to remove the XX/XX/XXXX, XX/XX/XXXX, and XXXX late reportings from all of my credit reports due to the Hurricane. She stated it will be updated with the XX/XX/XXXX reporting of my payments. I had asked her if she could send me that in writing for my records. She agreed and stated that she will mail out a letter shortly. The XXXX adjustments were made and all 3 major credit bureaus were reflecting late payments for only XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Although it was not all of the late payments I was content the removal of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX I received a call from XXXX stating that Barclay is no longer going to honor the agreement of removing the 3 months late notification and will be adding them back onto my credit report. I asked for Barclay not to do that and to honor their agreement and that this would be more damaging than if they were not to remove the late payments in the first place. XXXX stated unfortunately, they had already submitted the request to walk-back those 3 months. She further explained that the reason this was happening is due to my request for a letter documenting what they had promised ( remove XX/XX/XXXX thru XX/XX/XXXX late payment reportings ). Baclay is acting unreasonable and is not honoring their agreement. My credit scores have now dropped further below the score prior to having the late payments removed. Barclay 's actions were damaging and in direct violation of my rights as it pertains to the FCRA. Barclay should honor commitments and they should be more member centric. This is no way to conduct business. I attached proof of the adjustments made to my credit reports and the goodwill letter to this complaint.
|
| 11/21/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
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|
Web |
Older American |
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This complaint is about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX members XXXX XXXX is XXXX and XXXX XXXX speaks English as a second language. She did not know the meaning of the word rescission. Below is the email I received.
The CFPB has not been able to help timeshare members. I believe a large part of the reason is because timeshare buyers do n't even know the name of the lender because the servicing of the loan is sublet to the resort and the resort is not an option to file a complaint. I apologize for always selecting Barclays if the lender is not XXXX but there is no other option if the identity of the lender is kept from the member.
Today I published this article about XXXX XXXX 's resignation. Despite the lack of any successful investigations, members have appreciated the CFPB hearing their complaints and have appreciated Barclays at least acknowledging the complaints, even if they ca n't do anything because Barclays does not physically open the account like timeshare sales agents.
XXXX XXXX XXXX XXXX and XXXX XXXX 's email to me XX/XX/XXXX I read your XXXX about complaint for XXXX. XXXX. Yesterday, before we left XXXX XXXX, we had a meet with XXXX XXXX salesman, we were told that our Sliver must be upgraded to VIP GOLD since maintenance fee of Sliver will be raised ... After long talking about 2 hours, we were forced to signed up and agreed with their VIP GOLD plan, The increased amount is {$51000.00} plus new monthly payment about {$780.00} for their maintenance fee ... .. Later I just find out it is too late for cancelling VIP GOLD plan ... This reason : I am a retired person and no more income .... XXXX does not have any work ... We were told that we must pay maintenance fee in our whole life.. We would like to stop VIP GOLD agreement and get back our money ... We live in XXXX XXXX . Is it possible to hire any good lawyer for help?
Please advance.
XX/XX/XXXX I told the XXXX they did not need a lawyer as they were in the cancellation period. I had XXXX XXXX find the form and email it overnight XXXX XXXX as well as email the form. I have heard timeshare companies, especially XXXX refuse certified letter or refuse to accept an overnight package in an effort to dodge the rescission period. I hope they are allowed to rescind.
What XXXX told me next was shocking.
XXXX XXXX said when they tried to cancel at the resort they were told it was too late and that if they did they would be charged {$8000.00} for the XXXX XXXX that came with the package they purchased XX/XX/XXXX. Needless to say, this was not true.
You might write the XXXX 's off as confused but I have received 201 complaints from XXXX XXXX readers concerning XXXX XXXX. This family was at XXXX XXXX in XXXX XXXX. I have received 22 complaints just from XXXX XXXX XXXX XXXX and one agent XXXX XXXX is a household name among law firms suing the company. I have received six complaints just against him. There are many XXXX agents employing the same tactics to up-sell to be able to sell points, pay maintenance fees or told they should not have purchased XXXX or XXXX Collection points, agents from the same company selling against each other.
The Oral Representation clause has been used and abused by timeshare sales agents. XXXX XXXX XXXX XXXX, launched in response to the XXXX XXXXXXXX, says the agent SHOULD not deviate from sales materials. What good is that if the oral representation clause is still in the contract. I understand an oral representation clause is in many contracts, but timeshare is ripe with " pitching heat '' or XXXX days as described by XXXX whistle-blower XXXX XXXX. XXXX 's second highest producing sales agent just filed a lawsuit in XXXX District Court alleging deceptive practices that match what I have received in complaints from members. Her name is XXXX XXXX.
I hope the CFPB will ultimately do something to stop predatory timeshare lending, despite XXXX XXXX 's departure. I doubt it, but continue to hope. I imagine XXXX will rescind this contract which means the XXXX will not need to file a complaint. I still wanted the CFPB to know about it because it is so awful.
I have attached the complaint filed on behalf of XXXX sales agent XXXX XXXX and the 22 complaints from XXXX XXXX/XXXX, the XXXX are # 22
|
| 04/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
|
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I booked a group vacation with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and I was scheduled to travel to XXXX XXXX with them on XX/XX/XXXX ( all dates are in XXXX format to match with the emails & receipts ).
I made two payments using my Barclays Bank Delaware credit card ending XXXX XXXX now ending XXXX after new credit card number issued XXXX : XXXX XXXX XXXX USD *Attachments XXXX : Please see the attached XXXX XXXX receipts of payment with the confirmed date of trip XXXX XXXX postponed my trip via email on XX/XX/XXXX due to Covid travel restrictions.
*Attachment 2 : Please see the attached email postponing my trip due to Covid-19 You can clearly see from that email that XXXX XXXX transfered my trip to XXXX XX/XX/XXXX XXXX XXXX went into administration and became bankrupt on XX/XX/XXXX. It was at this stage I became aware that I would not receive the services that I paid for.
*Attachments 3 : Please see the attached email sent to me by the insolvency practitioners, XXXX XXXX XX/XX/XXXX, informing me of the administration.
Under the Fair Credit Billing Act it is my right to claim a refund when the service I paid for is not received due to a company 's bankruptcy.
I attempted to open up a chargeback dispute on XX/XX/XXXX using the XXXX chargeback code : XXXX for credit - Merchandise services not received.
XXXX XXXX merchant acquirer XXXX challenged my dispute with Barclays on the basis that I may have been told that I was protected by XXXX XXXX financial failure insurance on their XXXX & XXXX which is incorrect.
*Attachment 4 : Please see the attached XXXX XXXX XXXX that are relevant to my booking which clearly show that insurance was in place for XXXX customers only.
I am told that the financial failure insurance was always in place for XXXX XXXX customers but from XX/XX/XXXX XXXX XXXX were able to insure every customer globally and they changed the XXXX XXXX XXXX XXXX reflect this on XX/XX/XXXX. As I booked before this time, I am not insured or protected by any other method.
I am told that Barclays Bank Delaware was shown incorrect evidence by XXXX which includes a screenshot of the XXXX XXXX XXXX XXXX XXXX after XX/XX/XXXX XXXX and its from the XXXX website - not the USA website which I booked from.
When the challenge was flagged to my bank, they should have given me an opportunity to show them evidence that clearly shows that I am not insured. I would have been able to submit the XXXX XXXX XXXX relevant to my booking which clearly shows that the financial failure insurance was for XXXX customers only. I would have also submitted a flowchart provided the insolvency practitioners, XXXX which was sent to all XXXX XXXX customers. XXXX informed me that this flowchart was agreed and approved by XXXX themselves. Please see the red box in the bottom-left corner clearly showing that the insurance is for XXXX customers only.
*Attachment 5 : Please see the flowchart provided by XXXX XXXX XXXX : please see an email sent to me from the insolvency practitioners XXXX confirming that I am not insured I have also emailed the financial failure insurance company, XXXX to get a rejection letter from them but I am informed that a reply will take up to 90 days for a response so if necessary my bank will need to keep the dispute open whilst I wait for the inevitable rejection response.
I have been informed by the insolvency practitioners XXXX that all credit card paying customers should go to their banks for a refund. The XXXX Government backed Civil Aviation Authority are advising me to do the same via this letter XXXX : XXXX For your reference : The time limit for making a claim should start from the date you were expecting to receive the service/trip not from the purchase date, given you are buying something to be delivered in the future. In my case this date should be my new trip date of XXXX XX/XX/XXXX. Alternatively, they may use the date I found out that I would not receive the trip ( XXXX XX/XX/XXXX ).
XXXX state that on chargebacks there is normally a 120 day limit, but this can be extended to 540 days if the services were to be provided at a future date. So, for example, a holiday.
I would like Barclays to refund me, in accordance with the Fair Credit Billing Act.
|
| 08/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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A few weeks ago, I sent this company a letter dated XXXX XXXX, XXXX, requesting Account # XXXX, BARCLAYS BANK DELAWARE, to be removed and blocked from my credit report. I stated in the letter that this account was fraudulently opened and I am a victim of ID theft. I sent them the required documents in order for this item to be removed and blocked from my report which is attached to this complaint. I sent them a NOTARIZED FTC AFFIDAVIT and a copy of the police report I filed a long with the letter requesting removal. I have never, in any form, benefited from this account. All, companies whom I sent these letter and documents, has been compliant and removed the items they are reporting. Only Barclays bank refused to do so and violated FCRA. This company violated : FCRA XXXX ( XXXX XXXX. XXXX ) ( a XXXX XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; XXXX XXXX XXXX a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and XXXX XXXX XXXX a statement by the consumer that the information is not information relating to any transaction by the consumer.
XXXX b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection XXXX a ) of this section ( XXXX ) that the information XXXX be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section ; and ( XXXX ) of the effective dates of the block.
XXXX c XXXX XXXX to decline or rescind.
( XXXX ) In general. A consumer reporting agency XXXX decline to block, or XXXX rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.
( XXXX ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section XXXX ( a ) ( XXXX ) ( B ) of this title.
( XXXX ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
( d ) Exception for resellers.
( XXXX ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer XXXX report the identity theft to the XXXX to obtain consumer information regarding identity theft.
( XXXX ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if XXXX XXXX XXXX the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ;
|
| 03/02/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
Please note that this complaint was filed on XX/XX/XXXX under your reference XXXX and was closed because the respondant falsely claimed it was a duplicate. It is NOT. It bears some similarity to a situation you resolved that happened about a year ago, but that case began many months earlier and in another country. Please immediate reinstate this valid claim.
On XX/XX/XXXX, I prepaid a car rental with XXXX for a small car offer as from XXXX. When I arrived at XXXX XXXX XXXX XXXX in XXXX, I found that XXXX was represented by XXXX XXXX. I experienced a bait and switch fraud, with the false claim that there were no small cars available despite the fact that I had reserved the car over five months in advance and despite the fact that their lot was filled with small cars. I'm XXXX, suffering from XXXX XXXX and had about seventy pounds of luggage. Under duress, I was forced to accept a large vehicle with no working low beam headlights and with a faulty navigation system ( despite the fact that I had my own. ) They displayed no willingness to refund my prepayment as an alternative, and of course that would also have left me with high rates for no reservation. After returning the car in good order, I found a charge on my credit card for {$120000.00}. XXXX XXXX, XXXX, and XXXX, provided me with positively no explantion for these charges despite requests, do I contested the charges with XXXX. They provisionally removed the charges then recently reistated the charges with very little accounting or verification from XXXX XXXX. I have since re-contested the charges, but to date with no resolution. The following letter to them cites a number of facts and documentation on bait and switch by the parties mentioned : XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Billing Dispute XXXX XXXX XXXX XXXX, DE XXXX XXXX Case Ref. No. XXXX Dear Sirs : Please immediate and permanently remove the XXXX XXXX charge of {$1200.00}. I have tried in vain to get a full accounting for this illegal charge for over ninety days. You reversed your suspension without any detailed accounting for the charge and I have received none from XXXX XXXX despite repeated requests. There is no justification for this charge nor was there any agreement on my part. Under rules of the account agreement, you are therefore obligated to permanently remove this charge.
Thank you for the documentation you supplied of the illegal bait and switch engaged in by XXXX XXXX in collusion with XXXX and XXXX XXXX XXXX. I am passing that evidence on to the XXXX XXXX XXXX and to the Illinois Attorney General. When I arrived at XXXX XXXX XXXX XXXX to pick up my prepaid rental car, I was directed to XXXX XXXX as representative of XXXX, in whose name the car was prepaid. Under duress, I was forced to accept a larger car than I had not booked or wanted, and no refund alternative proffered. I am XXXX years old, had considerable luggage, and was suffering from XXXX XXXX. They claimed no small car was available, despite the fact that I had prepaid for one over five months earlier and despite the fact that their lot was FULL of much smaller cars during a down season. The car I received was in poor working order. Low beam headlights didnt work and the navigation system, didnt fully function. I didnt want a navigation system and fortunately had my own to use. There was positively no justification for the switch and the car should not have been rented. Here are references to their ongoing bait and switch scam : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In the event that you choose not to honor the card agreement by removing this charge, I will of course be forced to file against you and other parties concerned in my local small claims court. This bait and switch fraud and charges associated with it are clearly illegal under the internationally recognized Uniform Commercial Code, US Law, Illinois Law, and XXXX Law.
Sincerely, XXXX XXXX XXXX XXXX cc : Illinois Attorney General Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Please help me get these charges immediately removed and please take steps to stop this illegal bait and switch fraud by the parties mention.
|
| 09/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Dispute Barclays Bank Jet Blue credit card charges related to Perfect Body Image on XX/XX/XXXX {$5000.00} and XX/XX/XXXX {$5000.00}.
Per Barclays My case numbers XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) The basis of my dispute is that the company egregiously mispresented the services that I would be receiving. My partner and I were told we were going to receive lase based services, while it subsequently found out after the advance payment was made and partial services were provided that the services were actually XXXX XXXX which we told the saleswomen prior to signing the agreement and paying we were not interested in.
Barclays Bank had closed my initial dispute in favor of the merchant solely on the merchant providing a sales agreement, which I informed Barclays was based on misrepresented services. I sent my dispute on XX/XX/XXXX and dispute credit was posted to my account on XX/XX/XXXX. Without notification Barclays reversed the chargeback on XX/XX/XXXX and posted the original charges back to account. I requested via a letter on XX/XX/XXXX that my original dispute be reopened and provided additional support for my claim that the merchant misrepresented its services to us ( a 3rd party complaint that had a very similar experience ). Barclays Dispute Center per a letter date XX/XX/XXXX received XX/XX/XXXX denied my by request to reopen my dispute or submit to it MasterCard arbitration, which effectively eliminated my ability to further negotiate a settlement or have MasterCard arbitration consider my dispute. Barclay managers have stated that unless I have on merchant letterhead that it essentially misrepresented and lied about it services, in order to get me to sign the agreement and prepay for the services. Without this proof they would not take the time or incur the costs to have it submitted to arbitration. I believe this requirement is unrealistic and in reality is unattainable. However, Barclays said that it is the threshold required by MasterCard guidelines, which I do not know to be fact.
My complaints with Barclays include : I believe Barclays breached its fiduciary responsible to protect me the cardholder from charges stemming from misrepresentation/lies. I believe my complaint should have been enough to have the dispute closed in my favor. I then provided a 3rd party complaint, which should have at least resulted in : my case to be reopened, consider negotiating a partial settlement, especially since less than half of the services were provided prior to us discovering we were subject to a bait and switch tactic to sign and prepay for the services or submitted to arbitration being that could not properly address this claim due to either incompetence or self-imposed guidelines.
Due to Barclays effective refusal to further support me regarding the egregious misrepresentation and lies regarding my dispute with this merchant, I am now having to sue the merchant in XXXX XXXX XXXX XXXX XXXX XXXX, NY on XX/XX/XXXX, with a cap of {$5000.00} and requested the dispute be reinstated on my account pending the result of the case. Dispute department personnel originally told me that by doing so, they could put a chargeback on my account pending the outcome of the case. However, after I followed the directions to submit the same, Barclays refused to reopen the case to issue the chargeback and said will not do anything further.
These following issues may be breaches in the credit agreement terms or state guidelines : I had asked Barclays more than once for a copy of what the merchant submitted in response to my dispute, including the sales agreement ( as mine is illegible and the Company was unwilling to provide a clean copy ), which is its stated policy. I never received any documentation.
I was also told I would receive notifications for any decisions made. I did not, I only found out the dispute reversed in the merchant favor and the case closed after receiving emails that my account was over the limit, as a result of charges being restated.
This dispute also lagged over several month and may have not exceeded established guidelines that may have further impacted the outcome, which I would also like reviewed.
|
| 10/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I made a 0 % balance transfer on my Barclays Mastercard account in the amount of {$6000.00} on XX/XX/XXXXXXXX which expires XX/XX/XXXX. I have been making payments in the amounts of {$250.00} - {$600.00} or more to pay the transfer balance in full by the expiration date. On XX/XX/XXXX I initiated another balance transfer in the amount of {$1500.00} which expires XX/XX/XXXX. At that time, I had a balance {$3300.00} remaining on the first transfer. On XX/XX/XXXX I made a {$500.00} payment with the expectation of it being applied to the first balance transfer due to expire in XX/XX/XXXX. However, my XX/XX/XXXX statement showed that my 2nd transfer had a balance of {$1100.00} although it had not even been a month since opening it and the first transfer had a balance of {$3000.00} which meant only {$220.00} of my {$500.00} had been applied. When I contacted Barclays, I was told the computer determines how payments were applied since both had a 0 %. I complained at that time they were forcing me to make accelerated payments ( paid {$2500.00} on XX/XX/XXXX and {$950.00} on XX/XX/XXXX ) on both transfers to make sure I did not miss the XX/XX/XXXX expiration and that I should be refunded some, or all of, the second transfer fee since I was not getting the benefit of the promotion. I spoke with multiple employees to include a supervisor about the issue with no resolution and received the same reason that the computer decides how to apply the payments which they can not override, although the agreed with what I was saying. In speaking with customer service in XXXX I was told when within 60 days of the promotion expiration, the payments would be made to the promotion due to expire within 60 days. Yet as mentioned above the XXXX payment didnt go entirely to the XXXX expiring promotion, the computer elected to split the payment. I was also told the balance of on the {$6000.00} transfer was only {$370.00} yet that was not reflected on my XXXX statement. In reviewing my XX/XX/XXXX statement there was a balance of {$840.00} for the first transfer ( not {$370.00} as stated by customer service ), so I made a payment on XX/XX/XXXX in the amount of {$950.00} to ensure the first promotion was paid in full prior to expiration on XX/XX/XXXX. I then called Customer Service the same day and was told they saw the payment pending and told me my promotional balance was {$370.00}. It was not until this call that I questioned them about the discrepancy in the amount given by the agent and what was reflected on the statement, because I was assured previously my XXXX statement would have the updated balance. On this call customer service did some research and then told me the statement shows the amount subject to interest if not paid in full but is not the balance of the promotional transfers ( it's not clear from the statement how the balance subject to interest is determined ). I asked for written documentation of my transfer balances rather than having to rely on calling customer service, because the balance subject to interest is meaningless without knowing what balance needs to be paid. I was told that information can not be provided to me, it is only available to the company via their system. I find it COMPLETELY UNACCEPTABLE to not have written documentation about balances that I am paying on. Additionally, my balance for the {$1500.00} transfer has changed from {$1100.00} on the XX/XX/XXXX statement back to {$1500.00} on the XX/XX/XXXX statement without explanation. I have no idea how Barclays is making decisions on these balances. My complaint is three-fold : ( 1 ) I should be able to have my payments applied, first, to the promotion that expires earliest and then the later promotion when both have the same 0 % APR, not be at the mercy of the arbitrary selection by their computer, ( 2 ) I should have written documentation of the balances I am paying on and ( 3 ) the amounts reflected on my statements have changed without explanation. The current statements are misleading and incomplete which I feel is intentional and designed to make it harder to track timely payments of the transfer balance subject to hefty interest rates if not paid in time.
|
| 12/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Starting XX/XX/XXXX, I purchased a rental car for an upcoming trip. Upon the charge being processed, I then used my reward points against the purchase.
Due to the ongoing problems pandemic our trip had been postponed. There was a bit of a mix up with the rental car company and they did not push our reservation out to next year. I asked for my money back and they said they could only give me half of the {$470.00} back or they can rebook our reservation for the following year. Not wanting to lose money on a reservation that had already been paid in full I agreed to the new reservation. For whatever reason the rental car company could not apply the money I had already paid for the original reservation on their end. What they were able to do was to refund me for the original reservation and then charge me for a the new reservation right after so that the refund and new charge would cancel each other out. On XX/XX/XXXX I was issued the refund for {$470.00} followed by the new purchase of {$470.00} on XX/XX/XXXX. Ergo the refund and purchased cancelled each other out and I only had to come out of pocket with {$1.00} ) Initially I had agreed to this until I was told that the prior daily rate I had already paid for would not be honored and it had gone up in price. Thus my new reservation was more expensive than the original. I tried to reason with the rental car company about this but they wouldn't budge. I then disputed the charge on my credit card to get my money back.
Initially Barclay provided me a loaner credit of {$470.00} while they looked into the dispute. While this is happening, the refund for the initial reservation had gone through and so did the purchase for the new one ( just to reiterate, On XX/XX/XXXX I was issued the refund for {$470.00} followed by the new purchase of {$470.00} on XX/XX/XXXX. Ergo the refund and purchased cancelled each other out and I only had to come out of pocket with {$1.00} ) Naturally on Barclay 's end it looked like I had gotten my money back due to the rental car company 's inability to apply my credit from the previous purchase to the new one their end. That being said the rental car company still has my money and I did not actually get my money back.
Upon what looked like a refund barclay 's then charged me {$470.00} to cover the loaner credit that had issued me. The problem with that is, 1. I never got any money back. 2. I did/do not owe barclay 's any money seeing as how I didn't get any of my rewards points back either. I then called customer service about this charge that barclay 's had applied and was told to file a dispute yet again and just keep that charge on my card until it is settled.
The problem with that logic is in what way is it smart or fair to expect someone to keep almost {$500.00} in credit tied up and let it accrue interest? So I paid off that deposit not expecting this ordeal to take over two months to be resolved. I have messaged barclay through the website multiple times and have called customer service multiple times ( call log upon request ) only to be given the run around.
Finally someone from the office of the president called me on XX/XX/XXXX, I saw the missed call and called back 20 minutes later and left a voicemail. Additionally I have left multiple voicemails on the following dates ; Monday XX/XX/XXXX I left a voicemail at XXXX, Tuesday XXXX left a voicemail at XXXX, Thursday XXXX left a voicemail at XXXX, Thursday XX/XX/XXXX left a voicemail at XXXX XXXX. After not getting any of my calls returned I called customer service yet again at XXXX to let them know I am still waiting on a follow up call. I was told my case is still open and that they would make a note on my file that I called. I called again XX/XX/XXXX at XXXX and again at XXXX I asked to speak the compliance officer and was told they didn't know, I asked again to speak with the compliance department and was told by the customer service rep that she doesn't have a number for that department.
I would like it to be known that I was given a case ID number and I would call every few weeks to see how things were progressing only to then be told I had no case/ the case did not exist.
|
| 06/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a credit card dispute I have been facing with Barclaycard regarding a purchase made using my Barclaycard Arrival Plus XXXX. The details of the dispute are as follows : Dispute case XXXX XXXX XXXX on XX/XX/2022 I made a purchase of a brand new bike on XXXX, utilizing my Barclaycard. However, upon receiving the bike, it became apparent that it was completely unusable and posed a significant safety risk. I promptly contacted the supplier, providing them with photos and videos showcasing the bike 's condition. While the supplier acknowledged the issue, they only offered a meager credit of approximately {$25.00} to cover the repair costs. Given the extent of the damage and the impracticality of fixing it with such a small amount, I repeatedly requested a return instead, emphasizing my lack of time to deal with the matter.
Despite numerous attempts to negotiate a return, the supplier adamantly refused. Consequently, I turned to Barclaycard to initiate a dispute for defective merchandise.
After opening the dispute around XX/XX/2022, I received a letter from Barclaycard in XX/XX/2022 stating their " inability to pursue the dispute due to no second opinion. '' I found this perplexing since I had never been informed about the requirement for a " second opinion '' during my initial phone call with Barclaycard, where they explicitly mentioned notifying me if any further documentation was necessary.
This unexpected request for a " second opinion '' prompted me to contact Barclaycard immediately. They advised that I obtain a second opinion from another merchant or a specialist within the same industry and provide it to them as additional evidence.
Subsequently, I consulted a reputable bike repair mechanic, who inspected the bike and issued a letter confirming its unsafe and defective condition. The mechanic, from " XXXX, XXXX, '' concurred with my assessment. I promptly submitted this letter to Barclaycard.
On XX/XX/XXXX, I received yet another surprising letter from Barclaycard stating their inability to " assist with obtaining a credit '' due to " insufficient proof that the merchant violated the invoice/contract 's terms and conditions. '' It is bewildering to me that they would now focus on the lack of proof regarding the invoice/contract terms when their previous letter did not mention such a requirement. It is vital that Barclaycard communicates their expectations clearly, as I would have readily provided evidence of the merchant 's violation of the terms and conditions. Moreover, the bike I received is unequivocally defective and unfit for purpose, contrary to the advertisement claiming it was in brand new condition. Additionally, the merchant advertised a 1-year warranty.
Following receipt of this latest letter, I contacted Barclaycard again, only to be informed that they were unable to offer further assistance due to my alleged inability to return the merchandise. I was dumbfounded by this response since the entire basis of my dispute was the merchant 's refusal to accept the return. Returning the defective product was precisely what I sought to accomplish through the dispute process. I have communicated this discrepancy to Barclaycard through subsequent letters, yet they have not taken any action to credit my account for the faulty merchandise.
It is abundantly clear to me that Barclaycard is engaging in evasive tactics. Despite providing all the required documentation and evidence, they have chosen to disregard the information and have taken no action to address the issue. As a result, I am steadfastly refusing to pay the disputed amount on my credit card, which unfortunately has negatively impacted my credit score.
I implore the Consumer Financial Protection Bureau to intervene in this matter urgently. The actions of Barclaycard have left me frustrated and without a satisfactory resolution.
Attached is all the evidence including follow up letters I wrote to Barclaycard re explaining the entire situation and attaching copies of all the evidence including screenshots of the merchant refusing to accept the return of the bike.
|
| 01/11/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
BarclaysBank Delaware allowed me to apply for a credit card in XX/XX/2019, They did an Extensive credit review and the Credit Analyst Manually approved the credit card. Knowing, I had a fraud alert on my credit file I was transferred to the Security Department to further have the application reviewed. This review took over 1 month, and as I kept calling to check I was told there would be documents I am required to send in. After finally 2 weeks they told me they needed my drivers license, Utility bill and application number and letter. I sent these in via EXPEDITED overnight mail. It took barclays another 3 weeks to finally approved the credit card. No call, no nothing. Finally I got the card in the mail almost 2 months later. I called in to ask to have the credit limit re evaluated because I had planned to do a balance transfer. Barclays Manager Credit Analyst which is a manager of the credit department approved my request and increased my credit limit by {$9000.00} to a total limit of {$10000.00}. This was a great limit, and they soft pulled my XXXX Credit Report. After I was approved for my increase I used the credit card for small purchases and would pay them off each month. Then I used it the following month to purchase airline tickets which were approved. The Credit card was declined several times at the hotel I was trying to stay at. After calling they assured me it would go through and it did not. After that I didn't use the card for a month but later payed it off again. Then a month after that my card was stolen and someone used the number online for Fraudulent XXXX, and Fraudulent XXXX charges. Barclays did not do an investigation, I had to reach out to the company myself to get these companies to reverse the fraudulent transactions on XX/XX/XXXX the companies reversed the charges. However Barclay 's did not update my balances and left the reversed credits on the old card number they replaced. Following that I logged in to activate my new card. Which I activated. After activating TWO DAYS LATER, I login and it says my account is closed. I was very confused and the fraudulent charges had not been reversed to my account yet, The companies sent me Credit Transaction ID 's showing proof they sent credits. Speaking to Barclays further all they could tell me was they did a soft pull of my credit and that my balances grew too fast. Explaining to Barclays that I was a victim of Identity fraud and that the accounts on the reports were not accurate DID NOT MATTER to barclays. They even were aware I was a victim of identity theft. I did not receive any letter stating why they closed my account, They told me if I fixed my XXXX Credit Report to call back and they would re review and see if they could re open my account. I did fix my report, and Called back and was told they would not re review my account, and That It could not be re opened. Questioning why I was told that the Manager said, We see you were told that but you can write the office of the president and ask why we can't re evaluate. They wouldn't let me speak to anyone, I do not feel that Barclays is following the Fair Credit Reporting Act, They are not following the consumer credit protection rights either. The way they are handling accounts with Fraudulent charges isn't correct and isn't lawful. It took them two Months of having the Fraudulent charges reversed from these companies that the COMPANIES GAVE THE MONEY BACK For, To realize they never posted it to my new account number and apologized 3 MONTHS LATER. They had the credits for THREE MONTHS before they even switched it to my new account number, and no one could tell me why. I believe that the reason for closing my account is not accurate. The limit was set by Barclays not me. Additionally, I did not make the fraudulent charges and you only closed my account after the fraud occurred even though it was found in my favor that I did not perform the fraudulent transactions. Yet Barclay quickly and swiftly closed my account after the fraud occurred. I want this re evaluated. I fly XXXX XXXX 100-150 times a year and this was my primary credit card. I am not sure why it was closed it is unfair.
|
| 07/31/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I paid off my Barclaycard Loan in the amount of {XXXX}. On XX/XX/XXXX I received an email that the next payment was pending, but since I had literally just paid it off 48 hours before, I assumed things would catch up.
On Monday, XX/XX/XXXX, the next payment of {XXXX} was debited from our family checking account. Within minutes of it being debited, I received a " paid in full and account closed '' email from Barclay card. I called them immediately, and they told me it was a " glitch '' in their system and that they weren't sure why it happened. They said they would issue a refund, and despite my request for them to issue it electronically, they said they were unable to, that they had to issue a paper check and I would have it within two weeks. ( I found it odd they were unable to issue an electronic refund when the loan proceeds were deposited to our joint checking account electronically and the payment was withdrawn electronically ... ) Since the XXXX of XXXX holiday affected mail, my wife called on XX/XX/XXXX.
On XX/XX/XXXX she spoke with a representative who said a refund had never been initiated. She asked to speak with a supervisor and spoke with XXXX, who said he would escalate it and see if he could get the funds wired back to us. As this loan was obtained when we were in the middle of a move, he needed to update our address. We had the email updating our address within a few minutes after the call. He said he would call us back by Wednesday, XX/XX/XXXX, and that they were there till midnight so to call him if we did not hear from him.
We called XXXX on Wednesday, XX/XX/XXXX at XXXX XXXX. to find the lines were closed ( a recording says their office hours are until XXXX XXXX. ) and we were unable to get through to anyone.
Thursday, XX/XX/XXXX my wife called XXXX and they were unable to locate XXXX and said he was in a meeting. She tried again several hours later and again they were unable to locate XXXX. That evening she received a voicemail on her phone from someone named XXXX ( is what it sounds like ) saying THEY had escalated the complaint and that it would be ANOTHER 48 hours before they were able to process the refund.
On Friday, XX/XX/XXXX my wife again called the XXXX number and again was unable to reach a supervisor, but the rep she spoke with said they were unable to wire the funds back into the account. She asked for a call back within a specific timeframe and did not receive one.
On Monday, XX/XX/XXXX my wife again called the XXXX number and was told that she wasn't on the loan and no one should have been speaking with her ( despite the fact they'd been doing so all week and even left a message on her voicemail ), but that a refund check had been processed and should arrive within 7-10 business days. They said it would arrive in a plain, white envelope. They said if we did not hear back from them by XX/XX/XXXX to call again.
On Monday, XX/XX/XXXX I called the XXXX number and spoke with rep XXXX who then transferred me to supervisor XXXX. XXXX informed me that the refund had been issued to our checking account on XX/XX/XXXX. We logged into our account where there has not been any deposits from them to date. We offered to send them a screenshot or our statement proving we had not received the funds. She is supposed to personally walk down to the department tomorrow, XX/XX/2018, and investigate, but reiterated our options were to continue to wait for the check ( which could be an additional two weeks - taking our total to eight weeks without these monies ) or escalate which may happen faster.
My concerns are several : 1. They withdrew money after receiving the payoff and have held it for more than 6 weeks. ( We were paying them 17.99 % interest. ) 2. They violated my privacy and spoke with my wife who was not on the account on more than one occasion. ( We can forward you a voicemail they left on my wife 's phone. ) 3. They have repeatedly failed to refund the monies owed to us despite numerous contacts that we have had initiated. As a XXXX ( and my wife busy parenting our XXXX children plus XXXX foster kids ), this has taken an INORDINATE amount of time.
|
| 07/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
Date : XX/XX/2022 Send To : Barclays Fraudulent Unit Attention : Barclays Fraud Unit Office Location : XXXX XXXX XXXX, XXXX, DE XXXX From : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX CA XXXX Phone Number : XXXX, XXXX Case Number : XXXX Fraud Case : XXXX, XXXX XXXX XXXX Case XXXX XXXX Fraudulent Credit Card use of Stolen Card Total Pages Including Cover : XXXX Urgent + Reply ASAP + Please Comment Please Review + For Your Information Comments : I am writing regarding my XXXX XXXX XXXX XXXX XXXX XXXXXXXX which I applied for while in the air from XXXX, AZ to XXXX, XXXX on XXXX XXXX XXXX XXXX XXXX XX/XX/2022. This card was being promoted by XXXX XXXX to passengers onboard XXXX flights.
Enclosed in the following documents you will find evidence that the card in question was approved and set up by Barclays while I was traveling with my husband XXXX XXXX from XXXX, AZ on Tuesday, XX/XX/2022 XXXX XXXXXXXX. The card was then mailed to my home at XXXX XXXX XXXX, XXXX, CA XXXX. On XX/XX/2022 while I am in XXXX, I received an email notification that the card application had been approved, activated and the pin changed. I immediately contacted the number on the email, having the help of the hotel concierge to place the call from the lobby, as it was difficult to call by cell from our location in XXXX to USA with weak cell service and the hold times in trying to get through to Barclays. I informed the employee at Barclays ( XXXX ) of the stolen card, explained that I was traveling in XXXX and it was not me using the card. My son-law, who lives next door to us in XXXX, CA contacted us the same evening and told us the mail boxes on our street were broken into and the mail stolen. He replaced the broken lock. My daughter in law witnessed the thief running away with the mail, as did a neighbor who both were alerted by their barking dogs of the theft in progress. The police were called, and they recommended filing a federal fraud case for stolen mail. The case is : USPS Fraud Case : XXXX. The federal department agent recommended filing a fraudulent credit use case, and the number is : XXXX Fraud Verification Code : XXXX for reporting fraudulent credit card usage of XXXX XXXX ending in XXXX and XXXX.
On Saturday, XX/XX/2022 I received an email from Barclays that my account statement was ready and that I owed in excess of {$620.00}. I immediately contacted Barclays Agent XXXX, then XXXX and two other agents who assured me that the account was blocked. I requested that they cancel the account and close it.
I was told that a fraud investigator had determined it was me that had the card in hand in XXXX, CA and had made the charge ( s ) as a chip was used and that can not be copied. I agree that SOMEONE had the card in hand, which was stolen form my mailbox and were able to activate and use it without my approval or knowledge. Mail theft is a federal crime. Your company accusing me of using it myself while traveling out of the country verifiable by XXXX XXXX receipts and other documents. To me this entire episode amounts to elder abuse. I have suffered health issues including XXXX XXXX XXXX and XXXX XXXX dealing with this issue. I trust you will change your conclusions upon receipt of these supporting documents proving I was in XXXX XXXX during the fraudulent use of my card in where your report says it was used in XXXX XXXX XXXX XXXX, Transaction Date XX/XX/2022 ( which happens to be my birthday ). I was in XXXX not XXXX. Please resolve this case immediately.
Sincerely, XXXX XXXX XXXX : Account ending in XXXX -which was closed and instead of cancelled upon request on XX/XX/2022 upon receiving email from Barclays indicating card had been activated while I was traveling in XXXX XXXX changed to Acct ending in XXXX.
I received a letter saying that the fraud investigation was completed and it was determined I did not owe the said about and was not responsible for charges on XX/XX/2022. Since then my phone is being called 2-3 times a day requesting I pay-re collections. I called Barclays twice. One person said I owed XXXX. One said I was required to pay as I was responsible. This is harassment and elder abuse.
|
| 05/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXXXXXX I used my Barclays Bank Aviator Red card to purchase airline tickets for two people ( total {$4200.00} ) from a phone number I believed to represent XXXX XXXX XXXX. The person on the line presented themselves as such and took my credit card information, name and that of the other passenger, address, phone number, email, passport numbers, and copy of my drivers license. I received a " XXXX XXXX Booking Confirmation '' with the salutation " Greetings from Flight Support, '' giving the flight details. It appeared to me to be a receipt and an itinerary from the official airline. I have a copy.
I did not know until XXXX upon checking my Barclays statement online that there was no sum posted from XXXX XXXX. There were, however, four charges pertaining to travel that I did not recognize. These were : XXXX XXXX XXXX XXXX for {$100.00}, XXXX XXXX for {$1100.00}, another for XXXX XXXX for {$1100.00}, all posted XX/XX/XXXX, and the last for XXXX XXXX for {$1700.00}, posted XX/XX/XXXX. I called the number given by Barclays for what I understand now to be for disputes and was told to call the merchants despite being very clear I had never heard of any of them. Additionally, I informed multiple of the XXXX Barclays representatives with whom I interacted that I had called XXXX XXXX XXXX XXXX XXXX informed me that a booking had been made in my name on XX/XX/XXXX but cancelled a few days later ( XX/XX/XXXX, I think ) because the money had not been received.
I called all of the entities as Barclays required me. XXXX XXXX XXXX XXXX assured me there was no problem but could not find any of my information given in their system, spoke in circles about possible trip taxes and could give me no other information. XXXX XXXX had no record of my name or any purchase. The agent from XXXX XXXX, XXXX " XXXX XXXX '' ( phone : XXXX ( XXXX ) XXXX ) assured me there was no problem, and that he could rebook me. ( He sent me a copy of the photo of the drivers license I had sent to what I thought was the XXXX XXXX site, so I assumed he was involved with the earlier issue. ) A subsequent check with XXXX XXXX indicated a second reservation was made ( by a third party, not myself ) but then dropped for lack of payment.
I called Barclays back and explained what happened, emphasized my belief that I was a victim of fraud. I spoke with at least 5 representatives in succession, became increasingly confused and of the opinion my concerns were not taken seriously. I am XXXX, and feeling extremely vulnerable at this point.
I was told that for a couple of billing cycles I would not be held responsible for the charges as they would be investigated. Since then I have received two identical letters from Barclays regarding the {$100.00} charge to XXXX XXXX XXXX XXXXXXXX describing it as a dispute and saying it is being investigated. There is nothing about the other charges. I consider them all to be fraudulent. I was obviously deceived into thinking I was working with XXXX XXXX when I first attempted to book, and I personally learned from XXXX that XXXX never received a cent for the attempted bookings, which was why they were dropped.
As I noted, I am XXXX, and in a vulnerable group for such fraud. Looking back, I think it is pretty obvious given the four unrecognized travel related charges came at the same time and nothing was paid to XXXX despite claims to have done so by the one " XXXX XXXX '' of XXXX XXXX.
The various Barclays representatives seemed oblivious to my dilemma, were extremely lacking in common empathy or interest, difficult to hear over the telephone due to back ground voices and foreign accents. The fact that one charge is regarded as a dispute, and I haver received nothing in regard to the status of the others is most disconcerting.
Meanwhile I did use my Barclays card with a new ID number to book the same XXXX flights as before with the real XXXX ticket agent for significantly less, and the charges appeared on my statement very quickly. I have also filed a police report in order to change my drivers license number.
last 4 digits of old card : XXXX new card : XXXX Thank you, XXXX XXXX
|
| 10/05/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
This is now my 3rd attempt to try to resolve a dispute submitted on XX/XX/XXXX on my Barclays Business MasterCard. From the very beginning, Barclays has clearly demonstrated an unwillingness to fairly adjudicate this matter. Despite touting their liability protection on purchases for business customers, Barclays continues to manufacture a variety of excuses to avoid dealing with this dispute claim. From account representatives in the dispute department, to agents assigned to investigate, to supervisors who can not be reached directly, to the Office of The President, there is no accountability at any level of the company.
For some context, I am a long-time Barclays JetBlue cardholder . I have both business and personal cards. My entire family has Barclays credit cards. I am what is considered a " high value client. '' Nonetheless, my dispute rights are being violated.
In brief, the dispute is over a {$50000.00} deck that was supposed to built by a subcontractor I hired in XXXX of XXXX. I paid this subcontractor through XXXX, his preferred method of payment. I have used XXXX for over 5 years. Hundreds of transactions paid for goods and services, mostly done on a XXXX XXXX credit card. I have never had any problems. That includes several individual disputes also initiated on XX/XX/XXXX for the same subcontractor for the same job. All investigated and adjudicated by XXXX. ( attached ) No issues whatsoever. I used my Barclays business credit card for ONLY {$3000.00} of the $ XXXX in payments for this job. I paid the 3 % XXXX credit card fees to have the protection of my credit card company, in the event goods or services are not produced.
As it were, the dispute centered around work that was paid for and never performed. I have ample documentation, which I have provided to investigators working on the XXXX disputes. However, just a few days after filing the dispute with Barclays, I received a denial letter dated XX/XX/XXXX ( attached ). An investigation was never opened. The verdict read : " services were rendered... the merchant is due payment. '' Not exactly a thorough investigation. As this case was escalated, Barclays kept switching the excuse. The second reason, now presented to me as official letters from the Office of the President, ( attached ) asserts XXXX does not offer dispute rights on these transactions. That would mean XXXX has a different standard for Visa and MasterCard when it comes to disputing charges. XXXX categorically denies this. Given my experience with Visa disputes for the exact same merchant, exact same payment method for the exact same job, I also know this is completely false. The third excuse claims the method in which the XXXX payment was made violated XXXX terms and conditions and therefore is not disputable. I have spoken to XXXX at length. They deny each and every excuse presented by Barclays. The fourth excuse, and easily the most galling, is that the time to file a dispute has passed and now there is nothing they can do.
What Barclays has effectively done here over the last 2+ months, is run legal interference for a subcontractor who willingly defrauded a " valued cardholder. '' This case has been escalated as high as the Office of the President. It has not moved the needle at all. Only a frustrating barrage of false, insufficient responses, sparse communication and endless excuses. XXXX has sent several emails ( attached ) stating that this case must be decided by my credit card company. XXXX as a payment processor, or the method in which XXXX payments are processed holds no barring on this dispute, according to XXXX. If Barclays Business MasterCard would like to restrict all purchases made on XXXX, they should do so. Immediately. Or, at the point of purchase, it should explicitly state that by paying for services on XXXX, the cardholder waives all liability protection. It should also explicitly state that XXXX transactions are treated as ATM cash withdrawals built with astronomical recurring hidden fees. None of this was disclosed. It has been over 2 months. A dispute was never opened, investigated or fairly adjudicated. I will keep trying.
|
| 04/27/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Older American |
|
I opened a XXXX card in XXXX and had no problem receiving rewards in XXXX and XXXX. The credit card and rewards program is under control of a new bank, Barclays, I'm trying to obtain the recent rewards for a relative who will be attending college and the company initially said that I did not have an account. I gave the bank 's complaint line my current address, my previous addresses, the card number, etc. Then they responded that the account is in my husband 's name - which is not true. The bill comes to my name : XXXX XXXX XXXX. And when we pay the bill by telephone, we must use the last four digits of my social security number. This has been a demeaning experience, and we can only assume the company is balking at paying out more than {$2000.00} in rewards, gathered on our joint account ending in XXXX, as promised.
We have an online XXXX account tied to the account ending in XXXX and the total rewards listed there is {$5.00} for the month of XX/XX/XXXX. As you can see from the two attachments, this does not include the {$2.00} provided in XX/XX/XXXX.
My husband wrote a note requesting directions on how to access the account and there has been no response.
Thank you for reviewing this frustrating and sexist situation.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, and formerly at XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX same address!
Recent correspondence : To : XXXX XXXX XXXX Dear XXXX , Thank you for checking on this. My name is XXXX XXXX XXXX and I'm married to XXXX XXXX XXXX who originally signed up for this XXXX account. We both live at XXXX XXXX XXXX in XXXX XXXX and used to live in XXXX, XXXX and XXXX XXXX. Our son, XXXX, is another name on this account.
Please advise how we can gain online access to this account information, the profile and our rewards.
Thank you again.
XXXX XXXX ( XXXX ) XXXX XXXX, XXXX, XXXX XXXX PDT Hello XXXX, The XXXX account is in your husband 's name. As such, we need for him to write in with any requests on the account. If you have any other questions please let us know.
XXXX XXXX ( XXXX ) XXXX XXXX, XXXX, XXXX XXXX PDT Hello XXXX, I apologize for the inconvenience. We are not able to locate an account with your name but using your address, we were able to locate an account under someone else 's name that was opened in XXXX. Is it possible the account is under your husband 's name? If you can confirm this please let me know. Thank you for your patience. I'll be on the lookout for your reply.
XX/XX/XXXX, XXXX XXXX PDT This is my third note - and obviously the respondents are not reading my notes. I provided the original email address for my XXXX account : XXXX. As explained, I no longer work there. I provided the account number and my address is the same as when I redeemed rewards in XXXX.
I've had this XXXX account since the year XXXX or so and I'm going to contact the XXXX XXXX XXXX with a complaint. You have my number and my address : XXXX XXXX XXXX in XXXX XXXX XXXX. When I began the account, I lived at XXXX XXXX XXXX , XXXX.
It should not be this difficult to locate my account and awards. As I said below, the email address used initially was XXXX. Incidentally, all the emails went to the junk folder.
Thank you, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX, XXXX XXXX PDT Dear XXXX, Unfortunately, we were unable to locate a XXXX account with the information you have provided. To locate your account, please provide additional details such as your email address used to originally establish your account, or your mailing address, so that we may assist you.
Thank you, XXXX Member Support XX/XX/XXXX, XXXX XXXX PDT This is the second time I'm writing. My previous email was XXXX, but I no longer work there. My upromise account is under my married name XXXX XXXX XXXX. The card number is XXXX XXXX XXXX.
I'm trying to access these rewards for my niece who is graduating soon and will be attending college. Please let me know what I need to do to obtain these awards. I accrued the rewards in XXXX with none of these problems. I'm uncertain about the total but believe it's more than {$2000.00}. Thank you. XXXX XXXX
|
| 06/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
**Please also see complaint ID XXXX of the {$200.00} cash advance charges ( with interest fees ) that was referenced and seemingly resolved with that complaint which closed in XX/XX/XXXX has re-appeared, with interest, to my XX/XX/XXXX statement. ** On XX/XX/XXXX, I noticed two suspicious charges to my Barclaycard CashForward Mastercard, both with a transaction date of XX/XX/XXXX, so I contacted Barclays ( XXXX ) to dispute the charges and to notify them of unauthorized activity on my account. The unauthorized charges were for two cash advances in the amount of {$200.00} each taken out and charged toward a XXXX XXXX XXXX. There were also two {$10.00} cash advance fees associated with the unauthorized transactions that I was disputing ... a total of {$420.00} worth of unauthorized transactions. The representative took my information, issued a new replacement credit card number, opened a case with Barclays fraud department ( Case ID : XXXX ) and placed a provisional credit back on my account. When I next checked my online account information, there was only a provisional credit of {$210.00} ( half of the total unauthorized transactions ) so I called back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX before finally getting a representative to place a provisional credit for the remaining unauthorized {$210.00} on my account ( Case ID : XXXX ). On XX/XX/XXXX I received an email from XXXX ( XXXX ) stating that on XX/XX/XXXX, XXXX XXXX XXXX ( a company that I have purchased from in the past ) became aware of a potential data security incident and partnered with XXXX to do independent computer forensics as part of an internal investigation. On XX/XX/XXXX, the investigation determined that payment card information was obtained without authorization on XX/XX/XXXX, and on XX/XX/XXXX, the investigation determined that my payment card information including my name, address, payment card number, expiration date, and payment card security code may have been obtained. This information, coinciding with the unauthorized transactions on my Barclaycard Mastercard account on XX/XX/XXXX, leads me to believe that my card information was indeed obtained in the XXXX XXXX data breach and then used to take out the cash advances for XXXX XXXX XXXX On XX/XX/XXXX, I received a letter from Barclays stating that their fraud investigation was complete and they found the disputed activity to be valid, thus they were reversing the provisional credit ( s ) and placing the amount owed back on the account. They also attached an additional {$5.00} interest charge on the cash advances to my account. On XX/XX/XXXX, I called the XXXX number on the letter and spoke with a representative in Barclays fraud department who stated that their investigation showed that my card, which was never out of my possession, had to have been present at the time of the cash advances taken out with XXXX XXXX XXXX. The representative told me that my only recourse was to contact XXXX XXXX XXXX at XXXX and dispute the charge with XXXX XXXX. When I called the XXXX XXXX number the representative stated that I would have to contact the fraud department but there was no telephone number for that department and I would need to send an email to XXXX.
My efforts to get the fraudulent charges and associated fees was finally removed and credited back to my account after filing a complaint with the CFPB ( complaint id XXXX ) and a representative with the office of the president contacted me, took my information and within a short period of time, resolved the problem.
Upon checking my XX/XX/XXXX statement, however, a {$200.00} cash advance charge re-appears with, again, a transaction date of XX/XX/XXXX ( XXXX ) and posting to my account on XX/XX/XXXX. In addition to the {$200.00} cash forward charge is a {$7.00} interest charge.
I reiterate, again, that I have never taken out a cash advance, and the XX/XX/XXXX transaction date can not be a coincidence. This is a second strike in my book against Barclays, as I thought that this had finally been resolved in XXXX after my initial complaint and its ( seeming ) resolution.
|
| 07/03/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
In XX/XX/XXXX, I personally opened a Barclay Card XXXX Rewards card. This card ended in XXXX. The only purpose for this was to obtain a new laptop. The cost of the laptop was XXXX. I made no other purchases did any other activity related to this card ending in XXXX other than making the monthly. My initial plan was to paid about XXXX per month in order to get it paid off within 18 months under the deferred interest plan, which everything was paid in full by XX/XX/XXXX.
In XX/XX/XXXX, i discovered that my identity was stolen. There were several credit cards and loans that were taken out in my name. I immediately took action and put a credit freeze. It took several months, but by early XX/XX/XXXX i had a good amount of things clean up and did a lot to clean up my name and removed all fraudulent activity that occurred.
XX/XX/XXXX- I received a notice in regards to a lawsuit from Barclay Bank for the amount of XXXX. I immediately called Barclay Bank and eventually i was push to their collection agency that was handling and dealing with the balance.
I talk to their collection agency and i reported the fraud and the identity theft. I waited over two weeks for them to send me the initial paperwork. I filled out the paperwork and i mailed it in.
About a week later, i i received a notice stating that they have denied the fraud claim and i still owe the balance due. This came directly from their collection/fraud department.
I called Barclay and requested the statements.
I received the statements.
I notice the following : There were three different accounts on the statements. Barclay never could not tell me why they denied the fraud.
The accounts were : ending XXXX ending XXXX ( the one i used to by the laptop ) and the current one with the XXXX balance.- XXXX Card ending XXXX, the only activity on the statements had cash advances, balance transfers and interest, late fees..etc..
My complaint is as follows : I only ever opened one account, which ended in XXXX- Only balance was XXXX, credit limit of XXXX I have no knowledge of the other two accounts and the transfers were credit cards that i were also related to the fraud/identity theft as well.
>Barclay Continues to denied the fraud claim >continues to move the court hearing more in the future >Does not give any explanation on why the fraud was denied >Their internal collections never contacted me related to account XXXX or XXXX >There was no other contact by their collection agency other than the lawsuit notification >They violated the credit card act of XX/XX/XXXX and it's as follows : ( see attached statements ) First late payment fee charge for account XXXX ( {$37.00} ) - Should be {$25.00} according to the credit card act of XX/XX/XXXX Initial other late fees due to me not be aware of this account was {$37.00} well and should be {$35.00}. They also violated the over the credit limit rules as well without my knowledge or prior authorization. As noted before, my credit limit was XXXX, the lawsuit is for XXXX. There was XXXX added on over the credit limit in balance transfers, cash advances..etc..
From XX/XX/XXXX to XX/XX/XXXX, there was nearly XXXX in just cash advances and transfers.
>Barclay Never Called me in regards to these actions as suspicious activity >Barclay never called me in regards to the due balance >Late payment fees started at {$37.00} and were each month >Unable to explain why the fraud claim was denied >Unable to provide records >Allow this card XXXX to double the credit limit per the statements and did not call or contact me any type of way >Has the wrong phone number on file > went directly to a lawsuit without any other contact >violated credit card act XXXX >Claims the cash advance check was " signed by me '', which was able to obtain the copy of the check and that is not my signature, they do not have any material facts for this.
>The majority the accounts open in this identity theft period was from March 2016-December 2016.
>This account ending in XXXX was open in XXXX or XXXX of XXXX XXXX has not yet been able to tell me the exact date. or how this occurred.
|
| 05/05/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
|
On XX/XX/2021 according to my digital app I was charged {$290.00} by BLS*DR XXXX LECTURES XXXX I intentionally used my Barclay credit card as I do for all internet purchases to have protection from fraud. I am charged an annual fee and one of my advertised benefits is Zero fraud liability. I read all the information visible on the link for the advertised lifetime access to XXXX XXXX medical lectures ( which has some samples to view and the lectures themselves have merit ). The advertised price was {$5.00} USD with a big red slash mark through the {$290.00} value. I agreed to pay {$5.00}. I submitted my CC info and was taken directly to a page to set up my account. At no point was I issued an invoice, no confirmation number was given, and no screenshot opportunity was presented nor was an email ever sent to my email address that was used to set up the account, where I was informed that they were going to charge {$290.00} and not the advertised {$5.00}. After I set up my account I signed off as I didnt have much time at the moment of my {$5.00} purchase. I just wanted to take advantage of such a good deal for future use. At no point was I directed to a place that indicated a charge amount.
It was not until my XXXX statement from Barclays that I discovered this company overcharged me.
My complaint against Barclay is that when I finally was able to speak to an agent to address the problem ( many wait times before i could get through with the long wait ) and they directed me to make a claim about it they did not tell me that they had no intention of taking action. I have no invoice because it is a scam, since. I have no invoice to prove I was overcharged BArclay is refusing to do a chargeback. I have had them re-open my claim twice and provided 18 pages of fax showing evidence of others having the same problem I have. Barclay holds fast that they are not responsible to protect me as the consumer because I agreed to do business with the scammer. I agreed to pay {$5.00} - I was charged {$290.00}. I have no evidence because the scam knows what to do and intentionally did not show me what they were going go charge. The form on the page for the scammers to contact them directly is conveniently not working. I asked BArclay to help me at least make contact with XXXX XXXX by helping me get a phone number to call. BArclay claims that they do not have a contact number and they they would only investigate if I had an invoice showing proof of the overcharge. Barclay operator ID : XXXX named XXXX told me on XX/XX/XXXX ( I read her statement back to her to confirm ) that Barclays process is that if a customer does not have an invoice ( even if never provided ) that BArclay will close the case and does not investigate. Also Barclay refuses to help the customer connect with the vendor, even when the customer shares that they have not other way to contact the company. XXXX said yes that is BArclays process. In short they refuse to investigate. They never told me this an months have gone by where I am being charged interest on a fraudulent overcharge and according to my states AGs office this is not normal bank practice. My complaint against BArclay is because they advertise consumer protection zero liability and that is a false promise. It is also highly suspicious that I am never able to speak the department that is closing these cases. They call outside of the time I stated I can answer the phone, XXXX and when I return the call I am told I can not be transferred to them because no one is available. The last time they called at XXXX I called back within 5 minutes.
My case # with Barclay that they keep closing is XXXX.
There are thousands and thousands of people alll around the world who have reported this scam. When I first googled XXXX XXXX it doesnt come up. If you googled XXXX XXXX scam the information is easy to find. Everyone sharing stories from XXXX has the same $ amount in an overcharge.
My name is XXXX XXXX from XXXX XXXX Maine and I am seeing a charge back of the amount over {$5.00} that I agreed to pay.
Thank you. MY email address is XXXX phone XXXX
|
| 04/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
Hi CFPB I am a legal resident in XXXX and have never set foot in a United States territory. Today I just realize I may have become either ( 1 ) a victim of identity theft OR ( 2 ) a victim of corporate banking reckless behavior. I need your help to get an answer from Barclay Bank US and get to the bottom of this.
On Friday XX/XX/2020 at XXXX ( XXXX Eastern Standard Time ) I received an email in my personal XXXX address with " Congratulations, youve been approved for the Barclaycard Financing Visa '' in the subject. The content of the email says that I'd been approved for a Barclay Financing Visa card ending XXXX ( email attached at next stage ). It also says " As a new card member, you can get special financing on purchases made at XXXX within 30 days of opening your account '' Five minutes later at XXXX and XXXX ( XXXXEST ) I received 2 other emails from XXXX to verify my XXXX XXXX. To give you some background information, I may have created an XXXX XXXX more than 3 years ago by mistake but never used it for any purposes. I have never owned any XXXX device XXXX XXXX or XXXX or XXXX computer ) whatsoever.
Upon receiving the above-mentioned emails, I thought they were either ( 1 ) phishing emails by scammers to try to me click on the emails ( 2 ) genuine emails from Barclay and XXXX but the real individual who initiated this card application had made a spelling or typo mistake when typing the email address and hence, they were sent to me.
Not knowing for sure which category these emails could belong to and having no time to further investigate ( I'm still having a full time job at this time ), I made a decision to delete and ignore them completely.
However, just around 12 hours later, I received a 2nd email from Barclay Card US with subject " Thanks for going paperless! '' and the main email contents are " Welcome to paperless statements for account ending in XXXX. As a courtesy, we will email you with a notification each month that your statement is available to be viewed online. Please make sure that your email address is up-to-date by going online and clicking on Your profile. If you are newly enrolled in paperless statements and had been receiving paper statements, you may receive one more paper statement in the mail depending on when your next statement closes. '' There is a also link for me to click on to " View Activity and Statements '' and another link to BarclaycardUS.com. This time I took a closer look at the links by hovering my mouse over them without clicking and noticed they are real and NOT phishing links.
I started to realize this whole thing could be more serious than what I initially thought. How could Barclay approve me to have a credit card in my name without any ID or in-person verification, let alone any credit verification? I don't even live in the United States. Does Barclay need to have my physical address and my income statement before approving the card and if yes, how did they get it? I have never supplied those information to them. Or could it be that the card application was done by some thieves stealing access to my personal XXXX email address? I have no way to know for sure.
What I have done so far before writing this complaint : ( 1 ) immediately changed my email password to a strong 10-digit password on all devices.
( 2 ) rang Barclay International Call Collect XXXX listed on their website https : //cards.barclaycardus.com/banking/contact-us/ but was put on hold for 1 hour 10 minutes without any connection so I gave up. The call was made on Friday XX/XX/2020 at XXXX ( XXXX Eastern Standard Time ) What I have NOT done : I still have NOT clicked on any link in those concerned emails that I've received in fear of " automatically '' agreeing or authorizing something that could be insidiously embedded and I am not aware of. I have been over-cautious here because after all, I'm not computer genius and with all that banking fraudulent practices in the world, who could blame me?
I would appreciate if CFPB could help me get an official answer from Barclay and also tell them to cancel this card.
Thank you
|
| 12/08/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Barclays Credit has violated the Fair Credit Billing Act regarding my credit card transaction dispute involving merchant, XXXX XXXX XXXX, for a purchase totaling {$560.00}. I paid for services the merchant did not deliver and thus, on XX/XX/23, I contested this charge via phone call to Barclays at XXXXcst. I then notified the merchant via email at XXXXcst on XX/XX/23, that because they had not delivered the services I purchased, I would need to be refunded for my purchase.
Only AFTER I notified Barclays to dispute/cancel the transaction, and AFTER I notified the merchant of my request for refund, did the merchant deliver via email at XXXXcst on XX/XX/23, 3 of the 5 items that were part of my order. The other 2 items which were services ( XXXX XXXX & XXXX XXXX XXXX ) were never rendered. Despite this, Barclays sided with the merchant 's No Refund Policy and took the merchant 's screenshot of having delivered via email 3 out of 5 items purchased, as proof that the merchant had fulfilled the entire 5 item order and was due payment.
Barclays determined that I owed payment to a merchant who did not deliver services, and in doing so violated the Fair Credit Billing Act by : 1. failing to perform a proper investigation ( & not requiring the merchant to provide time stamped proof that file items sent were delivered within agreed upon service time frame, nor confirming the other 2 items comprising my order were actually delivered ) 2. failing to consider the evidence I provided 3. permanently reinstating the charge that was previously removed, 4. refusing to provide an adequate written explanation of its decision and supporting documents to justify the reinstated charge, ( the documents Barclays provided me with from the merchant were screenshots that did not accurately display a chronological timeline of correspondence, nor did the screenshots show messages in full ) 5. continuing to demand payment of the charge and associated interest and fees.
On XX/XX/23 I uploaded a pdf of my email correspondence with the merchant to my Barclays customer account portal for review, per the Dispute Team 's request. Had this actually been read and reviewed Barclays Dispute Team would have seen first hand the merchant 's deceptive business practices and realized that I had been scammed. Instead, Barclays sided with the merchant.
I made multiple phone calls to Barclays between XXXX and XXXX explaining to Customer Service Reps the situation and detailing what happened with this merchant/transaction, and each time was told that my case would be reviewed again. I was told that given the details I should not owe payment for services I did not receive, or for items that were delivered after I canceled the transaction, despite previous rulings by the Dispute Team.
On XX/XX/23 I faxed a pdf of my correspondence with the merchant and highlighted timestamps to ( XXXX ) XXXX, a fax number provided to me by a Customer Service Rep. When I called back several days later to check the investigation/receipt status, I was told the Dispute Team did not know where or if my documents had been received. Another fax number was provided to me as a result.
On XX/XX/23 I faxed a pdf of my correspondence with the merchant this time with both highlighted timestamps and commentary annotations to ( XXXX ) XXXX. I also faxed a screenshot of my XXXX phone record from XX/XX/23 showing my phone call to Barclays Customer Service at XXXXcst, as proof that I canceled the transaction BEFORE the merchant emailed 3 of the 5 items I purchased later that evening at XXXXcst. My timestamped/highlighted pdf showed the merchant sent these items at XXXX/cst on XX/XX/23, and that the other 2 services comprising my order had not been rendered.
Despite all of this, Barclays still determined that the merchant did not violate their No Refund Policy because " they fulfilled services '' and were owed payment. Barclays also advised - in no uncertain terms - that to be refunded, I would need to work with the merchant who, based on the evidence I provided, had so obviously scammed me.
|
| 12/10/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was recently sued for a debt by a law firm (XXXX XXXX XXXX XXXX) who represents my original creditor Barclay Bank. On two separate occasions, I believe that representatives of this firm committed an FDCPA violation (False or Misleading Representations). The first occurrence happened on XX/XX/XXXX at XXXX XXXX. I did not get the name of the male that I spoke with that day. Prior to XX/XX/2019, I had spoke to a representative of this law firm regarding settling the debt, I was told that I could do sign a consent judgment. I was not fully aware of what a consent judgement was nor what all it entailed. However, I wanted to resolve this legal matter opposed to going through the court process. The consent judgement paper work finally arrived in the mail. I read over it and realized that I did not agree to the terms because I did not want a judgement on my credit. So on XX/XX/2019, I called the law firm to speak to someone about the consent judgement paperwork. I expressed to the representative that I was not in agreement with the terms and asked about settling the debt for less than the total balance. The representative stated that it didn't matter if I signed the consent judgement or not, I was still legally bound by it. The representative was abrasive and was not interested in trying to explain things to me. I didn't try going back and forth with him, I just ended the call. The second occurrence happened when my wife spoke to representative XXXX XXXX on XX/XX/2019 at XXXX XXXX. My wife expressed to him that she wanted to settle the account for $XXXX payable XX/XX/2019. The representative stated that Barclay Bank does not accept submitted settlement offers. He further stated that Barclay Bank was their one client who didn't accept settlement offers because they already have a set set percentage with the firm. XXXX stated the $XXXX would be the amount that he could settle the account for. My wife expressed to him that the goal would be to do a lump sum payment to settle the account opposed to making monthly payments. However, in good faith, she made a $XXXX down payment and agreed to $XXXX a month payments until the remaining $XXXX was paid off. This amount and arrangement was only agreed to because XXXX stated to her that Barclay Bank didn't accept submitted settlement offers.On XX/XX/2019 at XXXX XXXX, my wife called in to verify that the consent judgement that they were sending out would not by put on the credit report as a judgement. XXXX had told her on a previous call that it wouldn't be but she and I both wanted to be sure. In the midst of the call with the representative, they discussed the settlement offer. My wife asked again about possibly just paying another $XXXX out of pocket as a lump sum to just settle the account in full. The representative informed her that because a settlement amount was agreed to, he couldn't submit another offer to the client for me. My wife told him about the conversation she had with XXXX and she told the representative that she was misled by XXXX. She stated if she would have been given correct information, she would have pursued having a settlement amount submitted directly to the client Barclay Bank opposed to taking the $XXXX settlement that the representative XXXX offered over the phone. The representative did nothing to try and rectify the situation. Instead, he kept telling her to be sure to have me sign the consent judgement when it comes. I'm sure that this firm works on commission therefore I am convinced that she was purposely misled in an effort to get a larger commission. I also do not understand how I am legally bound by any agreement without my signature. According to the representative, the documents hadn't been prepared yet but were being prepared. I don't understand why no one is willing to rectify the error made by a representative of this law firm. This firm is responsible for its' employees. The proof of these calls and the "material" of the calls should be available because the firm records all calls. Please review the recordings for violations.
|
| 11/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
First off I a not disputing the fact that I made the charge because I did. My issue is that when I asked XXXX XXXX XXXX where my credit was, they're making out like they sent the credit through Barclay 's and that Barclay 's isn't issuing me a refund. I wrote Barclay 's and the only real address is for disputes and I let them know that I ' not disputing the transaction but they still processed my request like a dispute declining it saying that I am out of time for my dispute and put the {$440.00} back on my credit card. Me the consumer is the one suffering due to XXXX XXXX XXXX ripping me off and then to have Barclay 's not have my back and help me to get the credit that I am entitled to per their cancellation policy. Please help me get my {$440.00} back.
Below is the actual email that I sent to the company and to Barclay 's credit card and the response I received : I would like some help from someone at your company. I work for XXXX XXXX and learned about your company via XXXX in the travel section. I promise that I will be reporting this to our HR/Benefits team so they remove your company from XXXX depending on how this turns out. I made the reservation XXXX via your website for a room in XXXX KY for XX/XX/XXXX, for the XXXX XXXX XXXX. Unfortunately, COVID 19 canceled the show so I in turn canceled the reservations I had for the hotel, airline tickets, rental car and zoo tickets shortly after I received the notice on XX/XX/2020. I received a refund from all of the companies except yours. So on XX/XX/2020, I disputed the charge and they removed the {$440.00} from my charge card as you can see by their credit on XXXX ; however, as you can see in my list of un-statemented transactions, Barclays re-billed my account for the XXXX charge of $ XXXX.I have included copies of my reservation, credit card charges/credits, an email proving the cancellation of the XXXX XXXX XXXX and an email from XXXX for a refund confirmation. As all the information shows, XXXX XXXX did not issue a refund to my credit card or it would have posted like all of the other reservations I booked for our trip. I have copied the Attorney General of XXXX, IL and the Mayor of XXXX as a way of filing a complaint about your company not refunding the {$440.00} that you owe me per your cancellation policy that is a full refund if canceled prior to XX/XX/2020. I can not afford to lose {$440.00} due to we've already been affected by the virus and my husband losing numerous properties that we provide lawn services for. Please refund my {$440.00} to my account ending in XXXX, you have the full account number but if you need it again, please contact me.
XXXX XXXX XXXX XX/XX/2020, XXXX XXXX ( 12 days ago ) to XXXX Dear XXXX XXXX XXXX please see the email below that I received in response to my email last night. Thank you so much for your help in getting this resolved and my refund given to me. I am feeling a little less desperate now that I know someone is listening to me and wants to help.
Sincerely, XXXX XXXX Long time card holder and Loyal to the end Email received from XXXX XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : Member Services XXXX XXXX Date : Wed, XX/XX/2020, XXXX XXXX Subject : Reservation Refund # XXXX To : XXXX XXXX XXXX Cc : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Hello Ms. XXXX, We have confirmed that we issued your refund on XX/XX/XXXX the PNREF number is XXXX. We are not sure why your credit card issuer is refusing to credit your account as this is refundable reservation that was canceled prior to the cancellation deadline. Did your credit card issuer advise as to why they have reversed the refund?
Please contact your credit card issuer to identify if they need written authorization from our Accounting Department confirming the authorized refund in the amount of {$440.00}. If so, please let us know and our Accounting Department will forward a refund authorization letter to you.
Best Regards, XXXX XXXX XXXX, XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Text : XXXX Email : XXXX XXXX
|
| 11/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
In XX/XX/2022 I spoke to XXXX from, Barclays. There was no issue with a credit for {$17.00} because I requested a refund for some merchandise. However, there was an issue with a {$280.00} charge dated XX/XX/2022. It was strange because, not only it was incorrect, but also I had already had a statement that did not show any balance from that period. XXXX and I discussed the matter and we both thought that I could have been that, because I issued the payment for the whole balance just before the XXXX XXXX credit card was transferred form XXXX XXXX to Barclays. Apparently, the fact that an autopayment was in place, in addition to my manual payment, provoked that even when the payment was received ( I corroborated ), Barclays had an error in the system. He explained that it showed at the time as a " payment adjustment '' that would turn out to be a credit but somehow it shows as something different temporarily. Those are my notes, and my understanding. He could see in the system that a payment was made online for {$280.00}, the next month the statement behaves as if the charge did not exist, and then in XX/XX/2022, XXXX saw " adjustment payment ''. The reference number for the payment, per my notes on my conversation with XXXX is XXXX. He opened and investigation for the matter. The case ID was, per XXXX : XXXX.
Dated XX/XX/2022, I received a letter from Barclays for said case ID : " We're happy to let you know your payment inquiry has been resolved. You will see and adjustment on your next billing statement.
We appreciate your patience, and we apologize for any inconvenience this may have caused ... '' ( Attachment named " Barclays '' ) As of today, the issue has not been solved. I have had countless collection and related calls at different inconvenient times. Usually the first XXXX minutes they make me talk to people who not understand the situation and do not have the clearance to deal with the matter. Then, sometimes, eventually, after explaining everything time and again and again, they put someone on the phone who understands and they say I do not owe anything, that there is an adjustment pending. That was the case of the XX/XX/2022 phone call. XXXX said that although the system showed a balance of {$330.00} plus interests and fees, there was no payment to be made, and that the correction in the system would be reflected in XXXX business days. Almost XXXX months later, that has not been the case.
Other examples ( I am not even sure I had a pen and paper to write down every time Barclays has harassed me with a collection process against their own Customer Servies or Account Management representations ) include : XX/XX/2022 : Terribly long phone call generated by Barclays. I was working, with a client and colleagues at the Court. I felt the best call was to take the phone call because of my concerns with my credit report. At the same time, I was ashamed because people could hear that I was having issues regarding my finances and the management of a credit card. Still I am ashamed.
XX/XX/2022 : Multiple harassing phone calls from Barclays, including a long one. Among the many times I explained my situation, I received the attention of a lady named XXXX, who generated another complaint. I received more calls that same day which I could not pick up because I was taking care of my XXXX XXXX XXXX. XXXX said I would hear from them in XXXX business hours.
XX/XX/2022 : This day was a bit different. I received various calls with bad audio or signal. Later, at XXXX EST, I received a call from XXXX from XXXX XXXX She apologized and allegedly gave me {$100.00} in credit for the inconvenience.
Emails, emails and more emails in which Barclays treats me as a debtor with payments due. I still receive them. Please see " Barclays XXXX emails attachment '' with a screenshot of the list of collection emails received from them. I get so stressed with them and it is terrible knowing that the only measure in my power is to generate a long, frustrating phone call. So frustrating, I have even cried.
|
| 08/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
To Consumer Financial Protection Bureau We timely paid our credit card company, Barclay Card, Yet they showed a balance unpaid of {$8300.00} and subjected us to charges for late fee and interest.
We phoned. After 20 minutes with a " supervisor '' he told us it would take several weeks to resolve. I told him I had proof from our bank that it was paid to the credit of Barclay Card timely, and asked him where could I email that evidence. He refused to give me any email or regular mail address to send that.
I wrote the below letter to people at Barclay Card whose addresses we found on the internet. No one replied.
We eventually got an email statement informing us that the past due balance was paid, but not as of the date our bank showed it paid and Barclay wants to charge us interest and a late fee. It's not that we can't afford the fee, it's that it's wrong and there is no way to get redress. I am a semi-retired lawyer and I wrote to 4 executives at Barclay Card whose email addresses we found on line. No one answered. I have re-written them. If I can't get relief I can only imagine what someone with less resources in handling controversies will have. No success. So, maybe this type of problem with the " too big to care '' credit card companies is something you can help with. Helping me will help others who experience the same treatment from another " too big to fail '' financial institution.
Below is the letter I sent to Barclay Card after the fruitless telephone call described above.
XXXX Direct Dial : XXXX Mail Address XXXX XXXX XXXX. # XXXX XXXX, TX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX.
Associate General Counsel Barclay Card XXXX XXXX XXXX XXXX XXXX, DE XXXX Re : Unacceptable Delay In Problem Resolution Account ending in XXXX Dear XXXX and colleagues, I am so terribly sorry to trouble you but Barclay Cards problem resolution procedure leaves one quite unable to get reasonably prompt relief and thus with a terrible taste in ones mouth.
I received a statement showing a previous balance of {$8300.00} and that it was past due, despite having paid that amount on time and having a copy of the cancelled check from my online bank account with XXXX XXXX XXXX XXXX, showing that the funds were deposited to Barclays credit, via XXXX XXXX XXXX. The endorsement reads, XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX Absence of Endorsement Guaranteed Barclays XXXX The exact same form of payment and deposit method the prior month, using the exact same on-line payment from my XXXX XXXX XXXX XXXX was however credited to my Barclay Card account. Why it worked month after month and now it failed is not my problem, but the person I spoke with at Barclay Card made it MY problem.
When I called Barclay Card I asked for supervisor. I asked him if I could simply email a copy of the cancelled checks. He told me no. He then took all the information over the phone ( I had to repeat it several times ) and he told me it might be three weeks before I might hear back. In the meantime my credit limit would be capped because of this error at Barclay and his inability to find a solution.
It is not that I am impatient. However, I work and travel and use my credit card for both. By the time this letter reaches anyone I will likely be in Colorado on business and it is likely that I will be inconvenienced by the fact that Barclay Card offshores your customer service to people overseas who have no sense of urgency and or who are not empowered to solve the problems that your customers experience.
So, if there is someone who will accept an email with a copy of my credit card statement, a copy of the cancelled check that shows Barclay timely had the {$8300.00} and the prior payment of {$5000.00} and can get this resolved quickly, I would be quite grateful.
Very Truly Yours, XXXX XXXX XXXX Cc : Assistant Vice President / Sr. Manager, Customer Experience XXXX XXXX XXXX Cards & Payments Global Business Manager XXXX XXXX XXXX Chief Operating Officer XXXX XXXX XXXX Chief Executive Officer, cards and payments XXXX XXXX
|
| 06/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
In XX/XX/XXXX I bought 10 safety masks on XXXX for the reason of being in this pandemic that is affecting the entire world for a value of {$120.00}. In XX/XX/XXXX I received them and when I opened the box where they sold I realized that the masks did not match the descriptions made in the listing. Immediately I decided to contact XXXX and I expressed to them that the masks had been wrongly sent by the seller. Immediately afterwards the representative of XXXX opened a case to return the item and following all the protocols to return the item, wait for the approval of the seller for said return ( attached document ). The item was shipped to the seller on XX/XX/XXXX and received by the seller on XX/XX/XXXX according to the tracking number provided by USPS. ( document of tracking number attached ). In an email received by XXXX, I was instructed to return my money back to my credit card on or until XX/XX/XXXX in the amount of {$120.00} ( attached document ). A day later ( XX/XX/XXXX ) I received an email from XXXX instructing me that I had received my money back in the amount of {$12.00}. Immediately contact XXXX to ask them why I was receiving {$12.00} and not what I paid, which was the amount of {$120.00}, to which the representative told me that it was their mistake ( XXXX ) for not having put the amount of returned masks. Instead of putting 10 as a return XXXX wrote 01 and that's why the seller was giving me back {$12.00} but he told me not to worry that he was going to return the money to me and that they had to do it manually because the case of the return had already been closed. Then I contacted my credit card company ( Barclay 's ) to express what was happening that I had made a purchase on XXXX in the amount of {$120.00} and that I had returned the item and had only received {$12.00} from the seller, ( attached document ) Who opened a case # XXXX and started an investigation to recover my money back to my account. About a month later I received a letter from XXXX 's notifying me that the investigation had been concluded in my favor and that I had been given a permanent credit to my account in the amount of {$100.00} which was credited to the billing cycle of XX/XX/XXXX ( attached document ). Checking my barclay 's account I realized that the credit that had been granted to me in the amount of {$100.00} was again charged to my account. On XX/XX/XXXX, I contacted Barclay 's to ask why my account was again being charged the amount of {$100.00} when I had provided them with all the information required to prove that I had returned the item, which the representative who attended to me could not to help or give a concrete answer who communicated with a manager who also did not know how to help me or answer my questions satisfactorily and told me that he was going to make a request for a manager from the claims department to speak to me. It is worth mentioning that to this day I have not received any call from barclay 's regarding my case. I also want to mention that I contacted XXXX and the representative who attended me told me that if he saw that I had been charged again ( XXXX ) and that he did not understand why XXXX had done that when there is evidence that the merchandise had been returned to the seller and that I was going to send a request to the appeals department to have the funds reversed to my account. Until now I do not have the merchandise and I do not have my money feeling that XXXX, XXXX and Barclay 's Bank have robbed and penalized me for something that I do not have in my possession. I also add to the present that today XX/XX/20 I had communication with a representative named XXXX via live chat. ( I am attaching document as proof of conversation ). Before your authority I express that I feel like I been abused by Barclays by changing me for something I don't even have and I hope that you will help me to solve the aforementioned, since none of the three parties mentioned above want to do the right thing and protect the clients and their interests. Thank you.
|
| 01/11/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/XXXX, I received an e-mail from Barclay Card that there was an attempted fraudulent transaction on my card. I logged into my online Barclay Card account, which revealed an attempted fraudulent purchase of over {$3300.00} at XXXX XXXX on XX/XX/XXXX. Fortunately, this fraudulent transaction was prevented. However, there were 3 other fraudulent charges that posted from the same day : {$2.00} at XXXX XXXX ; {$27.00} at XXXX-XXXX and another {$240.00} charge at XXXX-XXXX. None of these purchases were made by me. Barclay Card claims that the purchases were all made with the chip on my card, which is impossible because I have had my card the entire time. It seems rather obvious that the fraudulent criminals somehow obtained my credit card number and first did a small transaction to see if it would work followed by ever-increasing charges. I filed a police report, which I provided to Barclay Card.
Nevertheless, Barclay Card has called me a fraud and insisted the charges are legitimate. Despite repeated requests, Barclay Card has refused to provide me any information about these charges. To wit, Barclay Card has refused to tell me where these charges and attempted charges were made. They refused to provide their evidence that the chip was actually used. They have failed to provide evidence that a chip can't be replicated. They have failed to provide any receipts showing signatures or fingerprints on the receipts.. They have no security footage showing who made the charges. Barclay Card never sought to obtain any of this information. Instead, they outrageously told me on the initial call I made to report these fraudulent posted transactions that the charges were legitimate and I can do my OWN investigation like pulling security footage from these stores when I don't even know their addresses or the time of the charge.
Barclay did no investigation, other than to insist the charges were legitimate because the charges were allegedly made with the chip. They have failed to explain how their own fraud alert from the same day factors into their analysis. I have been a Barclay customer for 8+ years. I have NEVER disputed a charge as fraudulent with Barclay. My Barclay card is a travel/restaurant card. I spent tens of thousands of dollars with Barclay in the past year and exactly none of it was at retail stores. I have other cards I use for those type of purchases. I have a credit score over 800. I am an attorney who defends large corporations in deceptive and unfair trade practices disputes. Luckily, all of the lawsuits and claims I have defended have been frivolous. However, Barclay is clearly acting in bad faith and committing deceptive and unfair trade practices.
As noted above, Barclay insisted in my initial call with them that the charges were legitimate because the chip was used. XXXX XXXX in the Barclay Office of the President issued a letter in bad faith where she claimed the charges were also legitimate because my card was never lost and I admittedly made legitimate restaurant charges after the fraudulent charges. If XXXX XXXX were being objective instead of a Barclay shill she would have realized that the legitimate restaurant charges posted after the fraudulent charges instead exemplify that Barclay 's findings that the chip was used and/or a chip can't be replicated are wrong. She would have further noted that Barclay 's longtime customer was being honest in saying the card was still in my possession rather than lost. She would have factored in Barclay 's own fraud alert from the same day as the posted fraudulent charges. She would have realized that an attorney in good standing with several state and federal bars is not going to waste his time trying to defraud a credit card over {$270.00} and file a false police report, which is a crime that would endanger my professional livelihood.
I am shocked that Barclay Card has opted to behave in this manner. It speaks to their unfair and deceptive trade practices across the board, not just in regard to these charges.
|
| 11/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
Servicemember |
|
On XX/XX/2019, I booked a three night hotel stay at the XXXX XXXX in XXXX using my Barclay 's XXXX XXXX Card. The three nights was a part of a much larger trip including a XXXX XXXX from XXXX to XXXX on XXXX XXXX line, airfare to XXXX and home from XXXX and several day trips. Our check in date for the XXXX XXXX was XX/XX/XXXX for three nights.The cost was roughly {$850.00} euros pain in full and a non-refundable rate.
In XXXX the cruise was cancelled due to Covid-19. I contacted the hotel and they stated that due to the " non-refundable rate '' I'd have to " wait and see '' regarding a refund. The airlines cancelled, Americans were barred from traveling to XXXX. And in XXXX, XXXX became a hotspot for the virus. During our paid dates, the hotel was closed. I attempted to call several times and got no answers. I was never contacted by XXXX XXXX regarding the closure, but it was posted online that the hotel was closed on their website.
When I eventually reached someone for the chain, I was told that I would not be refunded for my closed hotel reservation. I was, instead, offered a voucher that would be good for one year.
I waited for a while, hoping that the situation would change. But, sadly, it hasn't. As of today, US visitors are still not allowed in the XXXX and with surging cases, this is not expected to change any time soon.
I contacted the Barclay Card and requested a charge back due to paying for something that was not provided. This was the first of many issues I had with Barclay 's and they weren't able to even offer a dispute over the phone. I was told I had to mail or fax a letter with the information regarding the charge back.
I did so and eventually I was given a " provisional credit ''. While waiting for further response, I let the money remain on the credit card. I have yet to hear back from Barclays. But a week ago, I noted that my money had been returned to the merchant with no communication to myself. I called and was transferred to the department that handles disputes and spoke with someone who gave me three reasons why my dispute was decided against me.
# 1- the rate was non-refundable. The hotel was CLOSED. While I understand the definition of non-refundable, this should not be a reason to keep my money when even if I lived in the XXXX I could not have used my accommodations. The hotel was not open on XX/XX/XXXX-XX/XX/XXXX.
# 2- I was given a voucher. As stated the voucher is good for one year and the XXXX is currently still closed to American Tourists. This voucher is worthless to me.
# 3- I " waited '' to dispute the charge. When I booked the hotel, there was no Covid-19. There was no guidelines on how this would play out and I was hoping that Covid would " go away '' I waited because I had no choice, but to wait and see what would happen during a pandemic. And when I knew that I absolutely couldn't go, the hotel was closed and it was impossible to reach anyone in the company.
Apparently none of this is any concern to the people at Barclays. They have taken my money and I am unable to speak to anyone above the customer service representative who answers the telephone. When demanding to speak to a supervisor, I was told a call back would be requested for me and I would get a call within 15 days. I have called several other customer numbers and have only been allowed to speak to the first line representatives who all say the same thing, " they understand my frustration, but, the dispute line is not taking calls ''.
I am filing this complaint because I believe my money was basically stolen from me by both the hotel and my credit card company. I was offered no consumer protection, and I am unable to speak with anyone who could even attempt some sort of resolution.
I will add that I was traveling with my husband and our best friends on this trip. Fortunately for our friends, they booked this hotel using a XXXX XXXX card and the dispute was resolved in favor of my friends and they have been refunded because the hotel was closed.
Thank you.
|
| 08/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American, Servicemember |
|
I closed my Wyndham Rewards Visa Signature Card last month on or about XXXX XX/XX/2022, due to issues with Barclays Questionable Business Practices XXXX I received an email from Barclays on XXXX XX/XX/2022 @ XXXX, stating that I had missed a payment. I sent Check # XXXX to Barclays on XXXX XX/XX/2022, I paid the Statement Balance of {$7600.00}. On XXXX XX/XX/2022, I called Barclays and asked if they had received my check, their response, No. I discussed my options and was advised that I could make a payment over the phone. I told them that I would do that ONLY if they didn't cash my check that I had sent. I was advised that they would not cash the check and they waived the interest charge and the late fee. I paid {$8100.00} over the phone on XXXX XX/XX/2022. After this conversation & payment, I called my Credit Union ( XXXX ) and placed a Stop Payment on Check # XXXX. On XXXX XX/XX/2022, Barclays Cashed the Check # XXXX, in their System. I called Barclays numerous times and talked to numerous people about this check. It is obvious that their Customer Service and Finance Dept. do not communicate at all! I was actually informed that I would receive a check for {$7600.00}. I was forced to check with XXXX on a daily basis and talked to numerous Supervisors to verify that the Stop Payment was in place and that Barclays had not received the {$7600.00} from my account. Every time I called Barclays the computer generated voice/menu would tell me that I had a Credit on my account in the amount of {$7600.00}. So I was very angry and tried to get a Supervisor on the line, never happened. I was hung up on numerous times. When I actually talked to someone, they stated that I had a credit on my account and that they would send me a check. I advised, that check ( # XXXX ) was NOT to be cashed. This went on for a few weeks, trying to talk with a Supervisor. I gave up trying to get a Supervisor. I continued to verify that the money never left my XXXX account. When I was satisfied that no money had been sent to Barclays, I stopped calling them. I never received a check for {$7600.00}. Yesterday, XXXX XXXX, I received a Statement from Barclays, requiring me to pay a Returned Payment Fee dated/posted XXXX XX/XX/2022. The actual Transaction Date is listed as XXXX XX/XX/2022, " Payment Stopped ''. For weeks I was in contact with Barclays and I was told that I had a Credit of {$7600.00}, no one ever checked my account ( Finance Dept ), to include Supervisors to verify this. I called them yesterday, and got the run around about this for at least 20-30 minutes. I insisted on speaking with a Supervisor or I was going to make a Formal Complaint. I finally got a Supervisor on the phone. According to " XXXX XXXX ( Supervisor ), she was unable to waive this fee. I told her that I was going to make this Complaint, not only did this Company lie to me, now they continue to Harass me for money that I do not owe. I paid the bill on XXXX XX/XX/2022, they Cashed a check, # XXXX, that they stated they would not, on XX/XX/2022. There is no justification for them to charge me {$29.00} for RETURNED PAYMENT FEE since that check was never paid, it was voided by my " Stop Payment '' that I initiated on XXXX XX/XX/2022 with XXXX XXXX XXXX XXXX. I paid what I owed and more. I have waited for Barclays to call me today, XXXX XX/XX/2022, with a resolution for this issue. They have not. I will not waste any more of my time and summit myself to increased anxiety and anger by calling them again. I called XXXX today, they validated the fact that once I initiated the Stop Payment on Check # XXXX, it was invalid and could not be cashed. So, this Company is using their finance system to create Fees that they charge their Customers and Former Customers. I am XXXX XXXX year Military, XXXX Veteran, and I get treated like this. I'm sure there are many more that have paid erroneous Fees that were generated by their Finance System. I only hope that this complaint shines a light on Barclays Fraudulent Business Practices.
|
| 08/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Account - XXXX You are furnishing inaccurate and incorrect information to the consumer reporting agencies.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.
You and your inaccurate reporting have damaged my livelihood.
15 U.S. Code 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.
PROHIBITION : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ONTHE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
By Definition The IRS Clearly says a Cancelled or Charge off is Income. The reporting of this account as a debt is in accurate.
15 USC 1681 5-2 Says you XYZ company are a furnisher of information to a consumer reporting agency.
You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately.
15 USC 1681 s-2
( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
The lender must file Form-7099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1.
The above paragraph is taken directly from the IRS XXXX publication.
SEND ME MY FORM 1099-C that you should have sent to me when you Filled the account as a canceled debt.
15 U.S. Code 16815-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is Inaccurate ; and ( ii ) the information is, In fact, inaccurate.
You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1.
The above paragraph is taken directly from the IRS XXXX publication.
SEND ME MY FORM 1099-C that you should have sent to me when you Filed the account as a canceled debt.
15 U.S. Code 5 16815-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( i ) the information is, in fact, inaccurate.
In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.
|
| 10/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American, Servicemember |
|
On XX/XX/ XXXX I received an email from Barclays Bank about suspected fraudulent activity on my credit account. That was followed by an email from XXXX that said I has successfully sent almost {$3000.00} to XXXX XXXX whom I do not know. I called Barclays immediately and spoke to a man who identified himself as XXXX from Barclays Bank. I told him about the problem and he agreed to wrote up a claim for the fraud He took a while to fill out the form and asked a lot of questions in the process about me and my account. Near the end of the process he said there were other charges that also looked unusual and did I want to know about them and do a claim of fraud. I said " of course '' and he started to fill out those claims. I could hear him typing and occasionally he would have me type a number on a form. I had to eat so we agreed he would call me back later at XXXX. His original call to me had been at XXXX. XXXX did call me back to complete the forms and that took more than an hour or him typing and asking me questions. My Barclays bill shows that on XX/XX/XXXX XXXX again sent {$2900.00} to XXXX XXXX who is not a person known to me. I also received an email from XXXX about that transfer and responded to them that it must be a fraud since I did not know anyone by that name and did not have that kind of money to be sending to anyone. My bank statement also shows payments made to XXXX XXXX XXXX which I looked up online is a five star hotel on XXXX ( wherever that is ). The charge to that hotel on XX/XX/XXXX were {$3800.00} and {$4900.00} as well as a charge of {$1600.00} also at XXXX. I have never been to XXXX and was getting ready for a trip to XXXX at that time. How could those charges be made since I had my credit card. Why would Barclays honor them without notifying me. I did not know about any such charges except the one to XXXX until I received my paper bill. I was called by XXXX from Barclays twice on XX/XX/XXXX using phone number XXXX to finish the claims. During this time I saw my bank account statement at XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) show up on my computer screen and I asked him how he had access to that and hung up and immediately called my XXXX XXXX XXXX branch and asked to have my accounts closed which they did. I then went on my first trip to XXXX!
I then received two letters from Barclays dated XXXX XX/XX/2021 denying my fraud claims. One of the letters mentions that the claim involved charges of XXXX from Various merchants. It said that they had completed an investigation and found that the activity was valid. I got all of my mail that had been held while I was in XXXX on XX/XX/XXXX and read the letters and then opened my credit card bill from Barclays to see what they were talking about. I immediately called Barclays and asked how they could do an investigation without ever contacting me. They said that I had been called. I was in XXXX from XX/XX/XXXX to XXXX and did not get a call while there. I am the only person who has access to my cel phone. They said that they had reviewed my account and that the activity was consistent with my previous activity. These charges are more than I have in savings and checking accounts totalled. i am XXXX years old.
I the informed Barclays about the two charges they authorized at XXXX. I have used remitly to send funds to XXXX on XXXX occasions between XX/XX/XXXX and XX/XX/XXXX always to the same person XXXX and between XXXX and XXXX so how did two transfers of XXXX each XXXX XX/XX/XXXX and XXXX appear to be consistent?
I have called Barclays three times in the last week to add to the info I had given to them on XX/XX/XXXX or XX/XX/XXXX and the first thing asked is if I want to activate my new credit card. I do not have a new credit card but their automated answering service insists that I do. I finally get directed to the fraud division and am told that their systems are being upgraded and they can not bring up my info so please call back. I can not afford these charges and did not authorize them.
|
| 05/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
There was a fraudulent activity on my XXXX XXXX XXXX XXXX XXXX Mastercard with Barclays Bank. They sent me a letter dated XX/XX/2020 to confirm that I was not responsible for the fraudulent activity. However, they still charged me {$27.00} for convenience check fee and {$29.00} late fee. I have paid off my balance with credit card but they still showing I owe them {$56.00} which false reporting. They are not in synch with what they telling me about not being responsible for the fraudulent activity and yet charging me with the related fees and reporting me as late in not paying the {$27.00} and charging me a late fee of {$29.00}, contradicting themselves. I have called a numerous time and emailed XX/XX/2020, XX/XX/2020 per the email chain below. I have emailed again today XX/XX/2020.
My rights are being violated by XXXX XXXX XXXX XXXX XXXX Mastercard by Barclays.
Thank you.
Why am I being charged these fees even though I did not request the convenience ...
To Customer Service Team From XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Maste Message TopicRequired Complaint/Compliment This incident can not be reopened or updated. If you need further assistance, please submit a new question by clicking the Ask A Question tab.
Response Care via XX/XX/XXXX XXXX XXXX Dear XXXX XXXX : Thank you for contacting us regarding your XXXX XXXX XXXX XXXX XXXX XXXX. We can certainly address your inquiry regarding your account.
Upon review of the account we show that you had already discussed your concerns with our Customer Care Department previously on, XX/XX/2020 and we want to ensure that your needs have been met. We ask that you please respond back to this message if you have any additional questions or concerns that remain unanswered. Once we hear back from you we will be more then happy to assist. You also have the option to contact our Customer Care Department directly at XXXX. Representatives are available Monday through Friday XXXX XXXX to XXXX ET and will be happy to assist.
We hope you find this information helpful, and we thank you for your continued business. If you have any other questions or concerns, please reply to this message.
Sincerely, Customer Care Customer XXXX XXXX via XXXX XXXX XXXX XXXX You guys are thieves, trying all you can to steal from people. This is not right ruing my credit that I have been working on so hard. What did I do you wrong to treat me this way even when I paid off all my debt with you? Can you all leave me alone?
Customer XXXX XXXX via XXXX XXXX XXXX XXXX What have I done wrong to you all to treat me the way you are right now? Is it a crime to pay off my debt? I did not request any convenience check, you guys cleared me and sent me a letter. Your tried charging me the return check fee and transfer balance and when I complained about that you are now charging me for not paying my bill last month ( even though I paid off my balance ) and late fees for a total of {$56.00}. Now you do not even have the courtesy of picking my calls. What can I do to get this issue resolved to clear my name? I do not owe you anything! Please leave me alone. I have had enough of this stress especially in this current situation.
How many times do I have to endure with fraudulent charges with you all?
Please advise.
XXXX XXXX XXXX Response Supervisor - Maine via XXXX XXXX XXXX Hi XXXX XXXX : Thank you for contacting us about your XXXX XXXX XXXX XXXX XXXX Mastercard.
In reviewing your account I see that this is being handled with our Fraud Department. They will credit these fees to your account.
Sincerely, Customer Care Customer XXXX XXXX via XXXX XXXX XXXX XXXX Why am I being charged these fees even though I did not request the convenience check? I need this situation taken care of as soon as possible. The fraud situation is becoming too much for me. Thanks.
XX/XX/2020 RETURNED CHECK FEE {$27.00} Additional details for transaction on XX/XX/2020 titled RETURNED CHECK FEE for amount XXXX XX/XX/2020 BALANCE TRANSFER FEE {$100.00}
|
| 07/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
Based on my review of my credit report and I have found significant reporting errors. According to the Fair Credit Reporting Act there are various federal laws in place to protect me as a consumer and the construction of the business transaction between Barclays and myself. Barclays, as a creditor is well aware that it CAN NOT report/treat a payment on an open-ended credit plan as late for any reason.
Pursuant to 15 USC 1666 ( B ) a creditor, in this case Barclays, may not treat a payment on an account under an open-end consumer credit plan as late for any purpose.
Barclays is currently reporting payments due for XX/XX/XXXX and XX/XX/XXXX as being late. I am requesting that in accordance with the federal law that the payment references for XX/XX/XXXX and XX/XX/XXXX, on this open-end revolving account be corrected and reported as PAID AS AGREED/ON TIME, as stipulated by the law.
In addition to violating this consumer right by reporting my payments as being late, Barclays has incorrectly reported my payment history for XX/XX/XXXX and XX/XX/XXXX, as being 60 days late. How is it possible for the account to go to PAID AS AGREED in the preceding month, then go to 60 days late? I have requested on several occasions over the last past few months for these billing errors to be corrected, however the account continues to be reported inaccurately. This error also shows how XXXX, XXXX, and XXXX also have violated my consumers but not verifying any information furnished to them, working with creditor like Barclays to report any information on a consumer profile. As result, these agencies shall be included in this complaint and further action should be taken against them as well for failure to do what is required by the law!
Furthermore, 15 USC 1681S-2 ( 7 ) ( E ) states that nothing under the FCRA requires a financial institution to furnish any negative information to a consumer reporting agency. Barclays disclosure in its credit agreement states : You also authorize us to exchange credit information concerning you or your Account with ( and answer questions and requests from ) others, such as merchants, other lenders and credit reporting agencies. From time to time we may request employment and income data from third parties for the ongoing administration of your Account.
Barclays corporate policy does not supersede the law. The law indicates that consent is needed to disclose non-public personal information to a non-affiliated third party. By law you did not disclose, nor more importantly did Barclays allow me the opportunity to opt out of having my information disclosed and its clear this option was not provided to me because it is solely beneficial to Barclays. This again is direct violation of my consumer rights. And pursuant to 15 USC 6802 ( 1 ) a financial institution may not disclose nonpublic personal information to a nonaffiliated third party. And after being notified, Barclays has continued to intentionally attempt to financially harm me and tarnish my reputation by reporting these billing errors, and unlawful furnishing nonpublic personal information without my consent to unauthorized 3rd party. Barclays credit agreement and acts been extortionate in nature and the refusal to correct this billing errors, nor providing the right to opt out has not been done as it not beneficial to Barclays. This act by Barclays, working the credit reporting agencies is a form of racketeering and extortion as this parties illegal activities negatively effect on me.
Further, Barclays indicated to me that would make an accommodation, which they by correcting and waving the late fees and interest place on the account, however they did not correct the payment history to PAID AS AGREED. This here again is just another example how Barclays has again violated my consumer rights. I have reasonably set forth how my consumer rights have been violated in regard to this transaction, therefore I requested that this account be modified to accurately reflect PAID AS AGREED.
|
| 01/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
My problem is that Barclays Bank will not remove me as an authorized user on an account that is not mine. I know the owner of the card and I have been working with her.
She first called Barclay 's on XX/XX/2021 to ask that I be removed. I started a dispute with XXXX soon after to ask them to review the account, thinking that they would see the action by the Customer care rep on XX/XX/XXXX. In that call on XX/XX/XXXX, the customer service rep told the card owner they had removed my name from the account effective immediately.
A credit check on XX/XX/XXXX indicated it was still there.
On XX/XX/XXXX another check was run, my name was still attached to the account. I called XXXX and followed up on the dispute I had initiated. The dispute finding was " This product [ card ] belongs to you [ XXXX XXXX ]. '' That information is incorrect. The card never belonged to me, I have never been a signatory on the account. I was only ever an authorized user.
On XX/XX/XXXX, we called Barclays again. They said, " Whoever tried to take the name off before did it improperly. I will do it correctly. '' Then he said, " it is done and effective immediately. '' We asked for documentation on paper and he said he had no way to send paper documentation but he would put an annotation in the file so that there would be a record of my name being removed when XXXX contacts them.
On XX/XX/XXXX, upon learning that the Barclays card was still associated with my name, we called Barclays again. We spoke to a representative who said she was removing my name and confirmed she had done it. When we emphasized that we must have documentation in writing because we have twice attempted to have my name removed without success, she said she could not give us anything in writing. She then asked to go and check something. When she came back, she said she had not, after all, removed my name, and that she didn't know how to do it, and that her system was down and that's why she couldn't do it. We pointed out that the system surely could not be down for a month, but she had no answer. We asked if the previous two calls were documented on the account and she said yes ( not sure I believe that ). She then gave us a fax number for " Customer Care correspondence '' and asked us to fax our request. We asked if there was a person to whom address the fax. No. A department? no. Any instructions for what the letter should say or include? No. ( Do I believe this is an actual policy for dealing with complaints at Barclays? No. I think she just wanted to get us off the phone. ) We then asked to escalate to her manager, she said she was not allowed to let customers speak to managers (! ). When we asked her her name, she would only give the name " XXXX '' and would not give a last name.
We have no other access to service at Barclays besides the general customer service line, because the card has been taken over by a debt management company ( who incidentally confirm that they are in active negotiations to settle this debt ).
I faxed letter to the number she gave. I included both our names and the DOB of the card 's owner ( again, no instructions, so difficult to tell how Barclays will find the account ). I included statements directing them to remove my name and giving written permission to release my information to XXXX. I asked them to fax confirmation that my name was removed. ( I have to say that I don't expect much from this fax after three failed attempts with actual humans. ) I then called XXXX. The representative confirmed that the Barclays card is still showing up connected to my name. He noted that Barclays had reached out to XXXX on XX/XX/XXXX ( which is unusual because XXXX did not initiate the contact with Barclays ) and that Barclays had reported the information that the card is my card. ( This is not true -- it is not my card -- I was only ever an authorized user ). At this point the XXXX representative suggested that I make a formal complaint to CFPB.
|
| 06/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts BRCLYSBANKDE XXXX {$0.00}
|
| 10/19/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
A purchase of 4 items were made with XXXX on XXXX XXXX, XXXX 1. XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} 2. XXXX XXXX XXXX XXXX XXXX XXXX$160.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} All of these items are listed on my invoice as a PURCHASE DATE of XXXX XXXX, XXXX These items were purchased using the XXXX XXXX card issued by XXXX XXXX.
On my monthly statement, I had 3 separate line items with deferred interest tracking. This was due to the fact that the three above listed lines items were shipped/available for pick up at different times.
Item # 2 ( XXXX XXXX XXXX XXXX XXXX {$160.00} ) was returned, and it was a battle at that time to get that line item paid in full and removed from balances due. I have repeatedly been told, payments are applied to open interest bearing purchases first, then to the " oldest '' balance. Since all items were purchased, committed too, purchase agreement were made on the same day, I have no idea why, on my statement, one shows posting XXXX/XXXX/XXXX ( {$1100.00} ) and a smaller amount on XXXX/XXXX/XXXX ( {$140.00} ) This past week, I called in to ask, how can I pay OFF the {$140.00} line item so that it goes away? Since both line items were bought in the SAME INVOICE, it is just a matter of preference to see I have ONE item due by XXXX XXXX, XXXX than TWO! Is that so wrong??
I have been told repeatedly, when I call in, I need to have no " active '' charges due. That I need to make the minimum payment due - yet they ca n't confirm where that is actually applied. And then anything over my minimum will be applied to my oldest balance. I specifically asked last week, ok fine, I am going to make an additional payment right now. I will PAY OFF all PENDING CHARGES - that really had NOT been billed, and would TECHNICALLY be due XXXX XXXX to avoid periodic interest. I made two payments days apart. One for {$140.00} and {$300.00} - the latter payment would more than pay the open charges ( subject to periodic interest ) and would then allow my {$140.00} payment to completely REMOVE the line item owing {$140.00} and satisfy that deferred amount.
Today, I got my new statement. They credited a total of {$190.00} to the {$1100.00} balance. I just called in and was SCOLDED by a manager named XXXX that if I were him I would want the amount with higher interest paid first. Excuse me, this is MY CARD, not his, and I will have NO INTEREST due on this account, as I WILL HAVE the entire deferred amount paid in full by expiration on XXXX/XXXX/XXXX. I am NOT happy that ONE PURCHASE ALL CULMINATED ON XXXX/XXXX/XXXX appeared on my statement as THREE LINE ITEMS! Which I did have to call and have them CORRECT to make sure I did have 0 % interest for XXXX as promised as purchase. Since 2-amounts were below the threshold, the potential for not having 0 % interest was a present and imminent cause to happen.
WHY is this company so positively DIFFICULT in payment allocation??? I SHOULD have ONE deferred balance due by XXXX/XXXX/XXXX, not two. Both individual are due XXXX/XXXX/XXXX so what is it to them if I have one line or two lines due the same day. It is EVERYTHING to me! And I am the one who has the legal obligation to pay them!
I want my {$140.00} line item paid in full and one the one remaining for XXXX original balance ) of {$1100.00} should now read, {$1000.00}.
I deal with another bank - XXXX for my XXXX XXXX account, which ALL items are deferred, as well as XXXX were are deferred and non deferred - they are HAPPY to apply my payment allocation HOW I DIRECT! Why is Barclaycard telling me how to manage my money? I am well aware of what I owe. I accept what I owe. And trust me, I will NOT be payment ANY INTEREST. In fact, look back on my Barcalycard, I have ran several months with NON PROMOTIONAL charges, and in over a year and a half, I have paid them ZERO INTEREST. That should tell them, I am a responsible borrower and DO PAY what is owed BEFORE interest applies.
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| 11/20/2020 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
Servicemember |
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I am writing this after I left work in distress. I informed my boss that I was about to have a nervous breakdown and that I need to go to XXXX XXXX Courthouse to see if anything is true.
At XXXX XX/XX/XXXX, I received a phone from a number in XXXX XXXX MO XXXX XXXX XXXX. I answered and a robo call asked if my name was XXXX XXXX. I answered it. This number been calling me on a regular basis. Normally I ignore robocalls because there is a high likelihood of being scammed.
The lady answered the phone and I said someone called me from this number I think? I was put on hold and then the women began speaking to me.
She told me that she was calling in regards of a debt from XXXX. And that a judgment had been made against me. My wages were going to be garnished. I left my desk chair ( at work ) to go to a room more private.
Then I asked the lady about what this was about? I was confused at what she was talking about. She repeated the same thing but this time telling me I declared bankruptcy in XXXX and that I was trying to repair my credit and then had no intention of paying off this credit card I was still confused and asked have I been mailed any of this. Because I can't remember that time. Then she informed me " Barclay 's sold off the debt in XXXX to a collector who was ignored by me and that they had already obtained a judgment against and will be garnishing my wages if I didn't pay right now '' She said my current debt owed was XXXX and that isn't the real amount from original debt. That amount was for the debt and court and attorneys fees from the judgment. But they would be willing to offer to settle for XXXX.
I asked her when was this judgment filed.
Was not provided the information. We both raised our voices and she accused me of getting loud with her and that she was going to hang up the phone. I said I'm not getting loud, I'm trying to understand what you are talking about.
I told her that if this happened I would have been notified of this and I had not. I have had court cases filed on me and that I would know about it. I said and there is a statue of limitations on debts. And she said yes there is and its 7 years. Which I told her that is incorrect, the state of Missouri that statue of limitations is 5. Then I asked for the court case number and her company name which had not been provided yet. It was not giving to me. I know that collectors have to provide this information. I ask her to please send me the information of the court date and case number. She told me, that she did not need to provide that information and I could go down to the XXXX XXXX court house and see there is a judgment there. I informed that I have gone down to the Courthouse within the last few years to check if I had any judgments or court cases in other instances. SO I would know if had cases pending.
She then told me again how she was going to say I refused to pay and that she is going to garnish my wages since they already had this judgement. I asked again for the court case and was told they can't provide that and the only thing they can provide is the settlement offer in the mail or it would be refusal of payment.
I told her I still am trying to figure out what THIS is. And then she said she since you are refusing to pay we will be garnishing your wages.
I then broke down at work. Asked my boss if I could leave as I was about to have a nervous breakdown. And left work. Then I checked to see if there were any court cases or judgments against me from any company since I didn't even know the name of the company that called me. The last judgment or court cases was in XXXX that dealt with my condo fees being delinquent and settling those.
In addition, I was never given a way to dispute this claim they had.
I don't appreciate not being told WHO the collector is, What case number, which there wasn't one so this was a blatant lie, and then being harrassed and accused of being a fraud after my bankruptcy.
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| 06/09/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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In XX/XX/XXXX, I along with my family members began receiving calls from a company about a debt I owed. I reached out to the company to find out who they were and why they were calling my family. 15usc 1692c The debt collector was XXXX XXXX XXXX They stated they had acquired the debt from then Barclays Bank. 15usc1692b They informed me they would continue to contact me and anyone else until the debt was paid. They threatened that a representative would be showing up to my place of employment and my wages would be garnished. 15usc1692e So, I made arrangements to pay the debt on that day due to the humiliation and embarrassment the calls had caused. 15 usc 1692d I then post dated payments to them in the amount of {$530.00} on XX/XX/XXXX, {$350.00} XX/XX/XXXX, {$350.00} XXXX15 usc1692f. I ultimately made good on the arrangement with XXXX XXXX XXXX. About one month had gone by after complete repayment and I began receiving threatening calls from other collection agencies about the same debt! I explained to them I had paid the debt to Barclays Bank to a different collection agency but my credit report had not yet been updated. Each agency told me to present them with a payment in full letter and the calls would stop. So I reached out to XXXX XXXX XXXX for a payment in full letter and they told me they would send it via email. Each time I called, I was told the same thing and the letter never came. I ultimately ended up reaching out to Barclays Bank, now XXXX, about the debt. They explained they never received payment for the balance and I needed the pay the amount again in order to resolve the account. I paid Barclays BankXXXX for the balance on the account to settle it again in XX/XX/XXXX! A payment in the amount of {$650.00} on XX/XX/XXXX and a payment of {$650.00} on XX/XX/XXXX. Essentially, I paid the same account twice! I would like my money returned to me for payments and late fees and violations of my rights according to 15usc1692k which states : ( a ) AMOUNT OF DAMAGES Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I have been attempting to get this closed account removed from credit report since XXXX. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. I demand they all be removed from my consumer credit reports, credit files and investigative credit reports pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my consumer credit reports, credit files and investigative credit reports immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.
Additionally, under 15 usc 1681b Permissible Purposes of Consumer Reports ( a ) IN GENERAL ( c XXXX any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.
I, XXXX XXXX, have never provided written permission to any credit reporting agency to report any item on my consumer report.
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| 07/14/2015 |
Yes |
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Web |
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On XXXX XXXX, 2015 I contacted Barclay Credit Card Customers Service. I inquired about using my reward points for purpose paying the minimum balance owed of {$41.00}. The Representative for Barclay Credit Card stated I can use my rewards points to pay on my balance owed. I stated I wanted to use XXXX points, Which equal to {$25.00}. The Rep for Barclay stated the {$25.00} would be applied to my minimum balance owed and I must send the remaining balance of XXXX before XXXX XXXX, 2015. On XXXX XXXX, 2015 I log into Barclay Website to review my online account, which indicated Barclay Credit Card received the remaining payment of {$16.00} on XXXX XXXX, 2015. {$25.00} + $ XXXX {$41.00}. On or about XXXX XXXX,2015 I log into Barclay website and notice an alert of pass due amount of {$25.00} plus late fees. On or about XXXX XXXX, 2015 I contacted Barclay Credit Card Customers Service and inquired about the pass due amount. The Rep Stated I only sent in {$16.00} leaving a balance owed of {$25.00} plus late fees. I explained to the Rep I used XXXX points which is equivalent to {$25.00} plus I mailed in the remaining balance of {$16.00}, which equal a total amount of {$41.00}, the minimum balance owed. On or about XXXX XXXX, 2015 the Rep for Barclay Credit Card stated the XXXX points, which equal to {$25.00} are not allowed/ can not be used to pay toward minimum balance owed. I explained to the Rep I inquired/ask a Customers Service Rep on XXXX XXXX, 2015 about my rewards points and can I use them to pay on my minimum balance owed? The Rep Stated Yes and further stated the XXXX reward points= {$25.00} will be applied to the minimum balance and I must send in the remaining balance of {$16.00} before XXXX XXXX,2015. A Rep on or about XXXX XXXX, 2015 stated the Representative on XXXX XXXX,2015 gave me incorrect information. I stated to the Rep on or about XXXX XXXX, 2015 the information I received from the Customer Service Rep on XXXX XXXX, 2015 I relied upon and made a decision base on that information to use my rewards point toward my minimum payment owed. On or about XXXX XXXX, 2015 I requested the Rep to listen to the recording of the Rep and myself on XXXX XXXX, 2015.
The Rep contacted me after inquiring about the recording of XXXX XXXX, 2015 and stated Barclay Credit Card will waive any and all late fees due to the incorrect information I received by the Customer Service Rep, but requested the {$25.00} because reward points are not allowed for payment, which I sent. On XXXX XXXX, 2015 I attempted to make a purchase at XXXX XXXX in the amount of {$5.00}, Which was declined XXXX. On XXXX XXXX, 2015 I contacted Barclay Card about the declined and the increase in my minimum balance of {$78.00}. The Rep Stated my account is in good standing and I have the available funds and it must be the error of the merchant processing the purchase, he further stated he would look into the minimum balance increase. On or about XXXX XXXX, 2015 a Barclay Customers Service Rep contacted me about the increase in the minimum amount due of {$78.00}. She stated something in regard to the increase, but it was not clear me the reason for the increase of the minimum balance. On XXXX XXXX, 2015 I attempted to make a purchase at XXXX in the amount of {$20.00}, which was declined. On XXXX XXXX, 2015 I contacted Barclay Customer Service about the purchase being declined. The customer service rep stated as a result of the late payment of {$25.00} these issues are present until I make a payment of about {$1.00}. The Issues are, increase in minimum amount due, no cash advance, and decline of purchases. I relied upon information from Barclay Rep, I could use my reward points to pay toward my minimum balance, as a result of the incorrect information from Barclay Rep my minimum balance owed has increased, I ca n't get cash advance, and making a purchases using my Barclay Card are being declined.
Barclay is at fault for the incorrect info
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| 03/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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1. XX/XX/XXXX : We opened a billing dispute claim with Barclays regarding a return transaction in the amount of {$1000.00} at XXXX XXXX XXXX on XX/XX/XXXX that was never credited to our account.
2. XX/XX/XXXX : Our dispute claim was denied because Barclays confirmed with XXXX XXXX XXXX that a purchase/return/repurchase of an item ( earrings ) occurred on XX/XX/XXXX. However, the dispute was over the return transaction of the same item on XX/XX/XXXX. Although the transactions on XX/XX/XXXX regarding the same item were related to the return on XX/XX/XXXX since the original purchase occurred on XX/XX/XXXX, we did not dispute the transactions on XX/XX/XXXX. We were disputing the return of the item on XX/XX/XXXX. Accordingly, Barclays inquired about the wrong charge/transactions. They failed to inquire about the return transaction on XX/XX/XXXX.
3. XX/XX/XXXX : Per instructions from Barclays from a customer relationship manager on XX/XX/XXXX, we sent additional proof ( copies of the actual receipts of all the transactions on XX/XX/XXXX and XX/XX/XXXX ) to Barclays via fax. The claim was reopened and has been in under investigation since XX/XX/XXXX.
4. XX/XX/XXXX-XX/XX/XXXX : We have contacted Barclays numerous times via phone for follow up since the re-opening of the case on XX/XX/XXXX. We have also been in contact with XXXX XXXX XXXX throughout this whole process, and they have reached out to XXXX on or around XX/XX/XXXX. XXXX XXXX XXXX notified us on XX/XX/XXXX stating that XXXX XXXX XXXX credit card department has received confirmation from Barclays that the return was processed without issues. However, we still have not received any credit for this return transaction. Upon receiving this notice, we contacted Barclays via phone on XX/XX/XXXX. They stated that they see in their records communication between XXXX XXXX XXXX and Barclays. Barclays indicates that the dispute should be resolved soon, but they recommended us to send additional proof from XXXX XXXX XXXX showing the return transaction and corresponding reference number. Accordingly, we sent over via fax on XX/XX/XXXX the additional proof from XXXX XXXX XXXX.
5. XX/XX/XXXX : As indicated above, we have sent via fax again another set of proof from XXXX XXXX XXXX credit card department showing the same thing : that a return transaction in the amount of {$1000.00} occurred. We will have to wait and see how Barclays responds after this fax. However, it is ridiculous to not get any kind of definitive feedback from Barclays at this time even though the merchant 's credit card department has directly contact them and confirmed the return transaction. We feel we are being asked to do too much to get a credit from a return transaction.
At this point, we are not confident that Barclays will take care of our matter promptly and accurately. We can not trust the information we are getting from Barclays customer relationship managers over phone. We have called Barclays multiple times throughout this whole process in order to keep posted with the handling of the dispute claim. Every time we have called, we received very inconsistent information about procedures for billing dispute claims and experienced very rude customer service ( customer relationship managers hanging up on us, raising their voice on us, etc. ). Also, it appeared that no one could sort out that there was confusion by Barclays and that they inquired about the wrong transactions. We had to repeatedly explain the same things to have them understand that the dispute was over a return transaction that occurred on XX/XX/XXXX in the amount of {$1000.00}. Most importantly, this whole dispute claim is taking very long to resolve because Barclays did not understand our dispute in the first place. They inquired about transactions that were not relevant to the dispute, which should not be an issue at a bank who deals with numerous kinds of credit card transactions and related complications.
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| 04/28/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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I applied fo r Barclaycard Ring Mastercard o n XXXX / XXXX / XXXX via the XXXX web site ( XXXX ), which at the time has advertised the 0 % interest-free offer for 15 months for balance transfers made within 45 days of account opening. However, a month later ( XXXX / XXXX / XXXX ) when I was making my payment to the credit card, I noticed that I was being charged 8.75 % APR of interest. I spoke to a customer service representative ( at XXXX ) at the time, provided the website info where I saw the 0 % interest-free offer, and was told that it will be reviewed by a different department and that I should expect to hear a response within 30 days. I called the customer service representativ es two more times within the 30-day period and was told each time that I should wait as 30 days have not elapsed. Most recently, I spoke to another customer service representative on XXXX / XXXX / XXXX and was told that I needed to send over the copy of the website advertisement to XXXX for review. I faxed over an image of a copy of the advertisement to the customer service ( on XXXX / XXXX / XXXX ) of the advertisement I saw at the time of application ( taken with a cell phone camera ). I called the customer service on XXXX / XXXX / XXXX and had the matter escalated to the manager. The manager ch anged his story to say that there was not an active 0 % interest-free offer at the time of my application but that promotion is available only now to new credit card applicants. He refused to offer the 0 % interest rate for 15 months that was advertised. So far, I have been charged an interest since opening the account, in the amount of {$120.0 0}. The manager refused my r efund request and said those were valid charges. I mentioned to him that I will file a complaint with the BBB an d Customer Protection Bureau and hi s response was " go right ahead. '' I recently researched other customer review and found that the exactly the same thing happened to other customer as well. Please refer to the comment at the following website ( https : XXXX by user XXXX ) : " I had wanted this card primarily for two reasons : The 15 month 0 % APR balance transfer offer and the no balance transfer fee. I went onto Barclay 's web site, double check to ensure the offer is still there, then applied and was approved immediately. When the card arrived, I went to apply the balance transfer only to discover it did n't exist. I contacted customer service who insisted that I misread the offer until I pointed out that the offer is still visible on their website. They tell me they will create a support case for me. Anyone can probably guess what happens next. I contacted them back after one week asking for an update and they tell me they 're still researching, but they 'll make a note I called. I asked how long will researching take and they state 7-10 days. So I contacted them back after two weeks asking for an updated and, liter ally, the same line is repeated. When I pressed asking why the length and utter lack of any updates, the representative can only respond that they 're researching. I ask to close the case figuring it 's not worth pursuing anymore ... and I 'm actually told they need to put in a request and have the department contact me back just to close the case. So whether I 'm opening a support case or wanting to end it, it seems I need to wait an indeterminable amount of time fo r Barclay 's department to contact me to do either one. What awful customer service. Honestly, nothing else about the card is particular notable. It has benefits that are more or less the same as every other credit card, it has its gimmicks that are mostly useless, and it has the same bonus offers ( well, when it honors the m anyway ). Had I known this issue would pop up, I would not have bothered to sign up for the card so I 'm rather annoyed at taking the credit hit for something which I now have little use for. "
|
| 01/05/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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On XX/XX/XXXX, I applied a credit card with XXXX XXXX XXXX online with the offer a balance transfer with 0 % introductory annual percentage rate ( APR ) on balance transfer for the first fifteen ( 15 ) billing cycles and no fee for balance transfer. I actually put the amount {$7500.00} that I wanted to make a balance transfer when I applied a credit card to get an approval. Then, I got an approval.
However, I did n't receive the actual new credit card because I was oversea for a business trip but got the credit of the balance transfer {$7500.00} on my other credit card. Therefore, I called them several times and gave them the new address in XXXX several times and then I could receive the new credit card and then activate the card.
I saw there 's interest charges every month for the balance transfer, so I called them and a relationship manager ( representative ) searched for quiet long time then he said he could see the offer of 0 % APR for a Balance Transfer for 15 months for me. So I ended the phone call with him after confirming that he would adjust to waive for these interest charges for me. It was in XX/XX/XXXX or XX/XX/XXXX.
After the phone conversation, Any adjustment was not on the statement for the interest charges and keep showing the interest charges every months. I called XXXX for this issue again in XX/XX/XXXX and a relationship manager ( representative ) said my original contract was not offered a balance transfer with 0 % introductory annual percentage rate ( APR ) on balance transfer for the first fifteen ( 15 ) billing cycles and asked me to prove that I applied and approved for 0 % APR on balance transfer.
I am very sure that I applied for 0 % APR on balance transfer with no fee for balance transfer.
I found several evidence online that XXXX abuse people for exactly same issue like what I had. Many people applied and got an approval to get a 0 % APR on balance transfer with no fee for balance transfer but they abused with higher percentage on balance transfer with no fee for balance transfer, then when people claimed for this, XXXX asked them to prove it then closed the case without solving the problem.
I found some advertising article about 0 % APR on balance transfer from XXXX that article posted on XX/XX/XXXX - XX/XX/XXXX or so on. But it ca n't be very strong evidence since several articles are not trustful because it can be revised but I still leave the links here with my claim.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 0 % Introductory APR for the first 15 months on purchases. Plus, you 'll get a 0 % introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.99 % No balance transfer fees No foreign transaction fees Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad Free online access to FICO Credit Score See additional XXXX XXXX XXXX details Show More Read ReviewCredit RangeExcellent Annual Fee {$0.00} APR Intro : 0 % Ongoing : 13.99 % Variable Balance Transfer Intro : 0 % for 15 months ( on balance transfers made within 45 days of account opening ) Ongoing : 13.49 % Variable Another popular XXXX is the XXXX XXXX XXXX. This card offers one of the lowest APRs available as well as no balance transfer fee. If you need to transfer a balance from a credit card with a higher APR, you can save money with this card by paying a lower interest rate and no transfer fee. Balance transfer fees with other cards usually cost 3 % of the balance that is transferred, which can be costly if you have a large balance.
Although the XXXX XXXX XXXX does not offer a 0 % intro APR on balance transfers, it does include a purchase APR lower than most, which can be better if you arent sure you will be able to pay down your balance completely within the limited period of time.
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American |
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Failure to respond correctly to Debt Validation notice XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX RE : NOTICE AND DEMAND FOR CEASE AND DESIST FOR ACCOUNT # XXXX I have asked you to validate the alleged debt that you claim that I owe Pursuant 12 CFR 1006.34C, and all you have provided me are statements and signatures to an account that you can not prove is mine.
The Information and Reponses from office does not meet the required information and disclosures that company is to provide in response to a notice of validation of debts. Your company is in Violation of Regulation F, the FDCPA and FCRA.
You have violated my consumer rights under 12 CFR 1006.34c & the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt.
I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt.
15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account.
Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. FDCPA 811 [ 15 USC Any reporting of this alleged debt to any consumer reporting agency will be taken as an attempt to collect on an alleged debt that not only is fraudulent, but you have no legal right to collet on!
1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action.
( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.
FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure.
( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Your Options are as follows : 1 ) Delete this account and cease and desist with all collection activities ; 2 ) Settlement ; or XXXX ) We go to court, and you incur lawyer fees, plus pay me {$1000.00} per violation along with more in damages.
Sincerely, XXXX XXXX XXXX
|
| 12/04/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
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Web |
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XX/XX/20 placed a credit card order with a merchant for goods in the amount of {$370.00}.
XX/XX/20 contacted the merchant to cancel the order because it never shipped ; merchant claimed a refund would be issued.
XX/XX/20 contacted the merchant because a refund was never recd.
XX/XX/20 contacted the merchant again for refund that had not been recd.
XX/XX/20 contacted the merchant again for refund that had not been recd.
XX/XX/20 called Barclays to initiate a dispute ; Barclays issued a provisional credit. Emailed supporting documentation as requested ; Barclays did not respond.
XX/XX/20 emailed additional supporting documentation to Barclays. Barclays did not respond.
XX/XX/20 the merchant illegally charged my card a second time without my authorization after having retained my credit card info without my consent.
XX/XX/20 called Barclays and spent 38 minutes on the phone without successful resolution. Attempted to put a block on my account against future charges by merchant or to put a fraud alert on my account specific to this merchant but was told by Barclays representative that this would not be possible.
XX/XX/20 merchant refunded the illegal second charge to my card after I threatened legal action ; first charge still not resolved by Barclays.
XX/XX/20 called Barclays and spent 10 minutes on the phone before my call was dropped on the representatives end and no one called me back.
XX/XX/20 Barclays rebilled the original charge to my card without ever contacting me to request additional information or to tell me that the dispute was being closed.
XX/XX/20 called Barclays and after waiting on hold for a representative was told that their system was down and they couldnt assist me with anything and I would have to call back at some point in the future.
XX/XX/20 called Barclays and spent over 40 mins on the phone without successful resolution although the representative admitted Barclays had made a mistake with the dispute and subsequent rebill. My case was escalated and I was promised contact from Barclays ; no one contacted me.
XX/XX/20 called Barclays and spent 27 mins on the phone without successful resolution. The representative admitted nothing had been done since my last call because they wanted information from me in writing which they admittedly intentionally did not request from me. The representative promised a manager would be calling me that evening to get the information so that I would not have to submit all the information in writing ; no one contacted me.
XX/XX/20 called Barclays and spent 36 mins on the phone without resolution. The representative admitted that customers never receive contact as promised and that my only hope of getting the dispute team to do anything would be to submit info in writing by fax and/or mail. The only excuse the representative could offer was that Barclays routes these issues overseas and there had been inclement weather in that area.
XX/XX/20 submitted detailed info by fax and mail to Barclays as requested. No response received from Barclays.
XX/XX/20 called Barclays again and was informed they received my written information and were giving the merchant an additional 45 days to respond. I asked why the merchant was being allowed to keep my {$370.00} for an additional 45 days after numerous Barclays representatives with whom Ive spoken have identified that Barclays made a mistake and I am owed a refund my account reflects two charges by the merchant and only one credit, and the merchant admits that no goods or services were ever received by me. The representative continued reading from a script promising an eventual response to me by Barclays. I informed the representative that Barclays has not contacted me even once since this began, I do not believe I can rely on resolution although its evident on my account that the merchant has stolen {$370.00} from me, and that Id be filing a complaint with the FTC about Barclays.
|
| 02/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2019 I contacted XXXX from XXXX XXXX to secure a bus for my cruise group. I informed him it would be between 35-55 people would give him final number as date gets closer. We had conversations on and off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. He asked for my credit card only to hold the date nothing would be charged. I signed no agreement, no contract. I gave him no verbal or written authorization to charge my card.
I was assured that we were getting a big enough bus to hold all of my group including luggage as we were leaving to go on XXXX XXXX. I was assured it would be taken care of. We were promised a bus that was to arrive at the XXXX XXXX in XXXX by XXXX XXXX on XX/XX/2019 in order for us to make our XXXX check in. I asked for a one way ride for my group as to everyone was not leaving XXXX after the cruise. Everyone was finding their own way back to either hotels or airport. I was quoted XXXXpp plus whatever tip they wished to provide the driver. My husband and I were complimentary.
On the morning of XX/XX/2019 I called company and told them I should have 46 people and that we would be in the lobby at XXXX to wait for arrival of bus. We were told it was all good to go. At XXXX 3 ten passenger vans pulled in. I started questioning one of the drivers and he started yelling and getting very beligerent. I asked to speak to the manager and was told that he would call me and to not worry about it. At this time I started to get upset because I was in charge of 46 people and their way to the boat. It all went down hill from there. The vans were not big enough for my group and their luggage. The driver was talking to the office and kept telling them that these three vans were not enough that they have to send more vans. About XXXX two small XXXX SUV 's pulled in and said they were going to transport some people and their luggage. Still not enough room. I did not order this and this was not what was promised. SOme of the group started ordering their own XXXX 's in order to make it in time for check in. The vans and the XXXX SUV 's left the hotel saying they were sending another van for the people that were left at the hotel. I kept calling the office and was told 10 more minutes. Finally at XXXX my husband who was left behind called for 2 more XXXX to pick up remaining passengers.
XXXX people to start 3 took their own XXXX 2 were complimentary 8 paid for their own XXXX to the port for a cost of XXXX 1 XXXX with no car seat so we were responsible for 32 people XXXX XXXX XXXX XXXX receipts XXXX Gave driver {$300.00} cash My problem is now XXXX XXXX unlawfully cahrged my Mastercard {$1100.00} and {$130.00} I have been arguing with XXXX since the day it happened. We were going to close card the same day but when I called in to tell them they said use it on your vacation and call when you get back. Well we did that and by the time we got back all these charges were on our card. We called in to dispute it and was told to write letter and send in documentation. We did that and it was denied. We called every week and kept getting the run around, asked for a manager and their never was one available, They denied claim again and was told teo resend in letter to open it, we did that two more times and it keeps getting denied. On XX/XX/XXXX finally was able to get to Supervisor XXXX after 90 minutes on the phone. She informed us that the Merchant used XXXX to get the charge approved and we should call XXXX. We called XXXX and nothing is showing up. We sent in letters from people in the group telling their side of the story. We all saw the same thing. XXXX will not help they said the Merchant does not want to give money back. How can they get paid for a service that they did not provide. We have been with this credit card company for a long time and never had a late payment or issue. Can you please help us get our money back. I am attaching some documents for you to see,.
|
| 02/04/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
On XXXX I have lost my cell phone which had a sticky wallet at the back of the of it.
Called barclay abt the card being lost, the Rep went over few charges all was mine but one for over 300.00.
I made it clear with her that it wasn't mine that is unauthorized.
All was good until XXXX the charge appeared again on my credit card. I thought its a recurring charge with the company so I called to ask why this company is still charging me after I reported the charge unauthorized.
I then was told that the merchant sent them docs which has my phone # / email address/ home address which matches my info.
Alright! After I explained to the Rep. that my wallet and phone both were lost. Which means all my info is out their to be used yet she is so damn to say that the transaction is legit and that I made the purchase ...
I asked her to atleast tell me what did I purchase?
She said some product the merchant sent you and you ordered it and you received the merchant. Really????
But I have not ordered and have never received anything. huh!
I kept calling barclay over and over again to find out why I am being charged for a purchase I didn't make!
Same answer ... So decided rectify this issue my self. I called barclay to get the contact info for the merchant so I find out why the merchant charged me when I didnt make a purchase and never received any product.
The Rep this tome told me ohhhh I am sorry it isn't a product its actually a ticket ... hummmmm really???
What kind of ticket?
The Rep is mute ... .. Comes back and says an event ticket.
For what?
Eye mashes ... .. But I have never booked the eyelash tickets and never attended the event.
She appologized and said I am sorry but the case is closed and decision is made that you made the purchase and u need to pay the balance on ur credit card.
I asked her to give me the merchant contact let me solve this my self.
She gave me some # ... ..when I called it was a number a 3rd party credit card company who r charging ppl for events And if customer have any question abt the charges on the credit card they need to login to the acct through online to get in touch with them by emailing them.
Honestly ... ..how in the world am I supposed to contact the ppl who r claiming that I bought tickets from them and I cant find the actual merchant anywhere on the web?
I am being accused by Barclay.
They r asking me to send them a copy of my new ID???
I had 2 DL one with my old address and the one I lost was with my new address.
I did go to the DMV to get a new DL.
I was told my old DL is ok to be used untill the exp. Date which is XX/XX/2020.
So I left the DMV. And decided to use my old ID.
I never did a police report because there was just my DL and the credit card no cash involved And my was just one of the boost pay as you go with a cracked screen.
So thought the phone was not worth it and the credit card I called and report lost and DL I will have to get a new one.
But Now because of Barclay I accrued to me that not all banks have your back when there is unauthorized transaction made on your credit card and you are being a victim and yet banks like Barclay stands on the thieves sides and help them steal from the customers who has nothing to do with transaction was made.
What upsets me is that I called barclay to repirt my card lost. N yet they accuse me of lying.
I tried to talk to the higher management but the Reps. Never transfer you they just talk ... talk and talk and they say this shud be taken care of I just submit a new claim and you shud Hear from us etc.
I am just sick and tired of barclay and the uneducated employees.
Was just looking for help online if your credit card company is accusing you and holding you responsible for the charges you didn't make The web search brought me here and I hope that someone helps me get my money back.
I don't 8 want any business with barclay bank NO more.I AM DONE WITH BARCLAY!
|
| 06/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
XXXX COMPLAINT AGAINST BARCLAYS XXXX XXXX XXXX XXXX MISLEADING AND FRAUDULENT ADVERTISING RE : BARCLAYS XXXX XXXX XXXX XXXX OFFERS MILES AND NO FIRST YEAR ANNUAL FEE : FRAUDULENT ADVERTISING BAIT AND SWITCHED PROMOTION FR : XXXX, XXXX XXXX XXXX, XXXX Barclays XXXX XXXX credit card offer as listed on the XXXX XXXX website https : XXXX from XX/XX/2022 to today XX/XX/2022 ( see attached ) is a complete bait and switch.
On XX/XX/2022, XXXX XXXX and XXXX XXXX applied for a XXXX XXXX Credit Card offer at XXXX : XXXX the terms of the offer were XXXX bonus miles if you spent {$2000.00} within 90 days, an annual {$99.00} fee waived the first year.
However, when we received the cards in the mail the terms and conditions showed we instead would receive XXXX bonus miles, a {$300.00} credit, and pay a {$99.00} annual fee charged immediately.
We applied for the credit card with the intent of hopefully upgrading our seats for an XX/XX/2022 flight with XXXX XXXX. Unfortunately, we can not do that now.
On XX/XX/XXXX, when we called Barclays to complain about the promotion being switched, we were told : 1. The offer changed from when we had initially applied. This is false ; the same offer has been on the XXXX XXXX website.
2 We should call XXXX XXXX. I called XXXX XXXX on XXXX and spoke with XXXX in the XXXX XXXX office who confirmed the promotion we applied for should be XXXX miles if $ XXXX spent in the first 90 days and said we would not be charged an annual fee until XXXX. However, the correction would need to be made by Barclays, not XXXX XXXX.
We contacted Barclays who did open a case for both of us. We have also written to both Barclays and XXXX XXXX. As of today, we have been informed by both companies there is nothing either of them can do for us.
This is just wrong.
The offer below was the offer applied for and is still active on XXXX Airs website. XXXX XXXX and Barclays should either honor the advertisement we agreed to or be required to remove it.
We respectfully request the XXXX miles/points be credited to the account if $ XXXX is spent within 90 days ( both accounts have already met this requirement ).
We respectfully request the {$99.00} annual fee be removed as per the offer there would be {$0.00} annual fee the first year.
XXXX XXXX has stated we qualify for the offer we applied for, however, Barclays says that we do not since we applied for the offer during the flight booking process.
Both my husband and I both clicked the Apply Now box in the XXXX, no annual fee offer.
The first credit card application was submitted at XXXX, XX/XX/2022. The flight was purchased at XXXX. And, the credit card was not even approved until XXXX, XXXX
The second credit card application was submitted at XXXX, XX/XX/2022. The flight was purchased at XXXX. And, the credit card was not even approved until XXXX, XXXX
For Barclays to say it was done during the booking process is absolutely false.
As of today, Barclays and XXXX XXXX have refused to honor the offer we applied for.
Barclays has no intention to stand behind its offer. To make it worse, the offer now has escalated to XXXX points with a {$99.00} annual fee for Barclays and XXXX XXXX to dupe the public.
Thank you, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX The offer below was the offer applied for and is still active on the XXXX Airs website. THIS IS NOT THE WE OFFER RECEIVED!!! INSTEAD, WE RECEIVED A {$99.00} ANNUAL FEE AND XXXX MILES. THIS IS NOT WHAT WE SIGNED UP FOR.
Apply Now {$0.00} introductory annual fee the first year, then {$990.00} EARN XXXX BONUS XXXX Apply Now {$0.00} introductory annual fee the first year, then {$990.00} Earn XXXX Bonus XXXX Earn XXXX bonus XXXX after spending {$2000.00} on purchases in the first 90 days.2 No XXXX Expiration XXXX never expire, so you can redeem them anytime.3 Apply Now {$0.00} introductory annual fee the first year, then {$990.00}
|
| 11/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
Older American |
|
XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX- XXXX, Ga XXXX XXXX Dear Sir/Madam : Re : Complaint Against Debt Collectors : ( 1 ) XXXX Barclays Lawyers for a XXXX credit card for {$3700.00}, Judgment Lien granted. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX for a credit card, Judgment lien granted for {$2500.00}. ( 3 ) XXXX XXXX Bank for XXXX XXXX for a medical credit card for {$2300.00}, Judgment Lien granted . ( 4 ) XXXX XXXX XXXX XXXX XXXX for a credit card for {$3700.00}. ( 5 ) XXXX XXXX XXXX for XXXX for {$7000.00} for a credit union on the job loan. ( 6 ) XXXX XXXX for {$32000.00} for XXXX federal student loans. All others claiming our debts.
We are writing to make a formal Complaint about against the following debt collection businesses and collectors. All our debts were open prior to XXXX. But we unexpectedly retired because my husband had to leave his job. With financial issues on hand, we contacted our debtors and told them of our situation, stopped using their credit and cut up all credit cards.
On XX/XX/XXXX, we moved from XXXX XXXX to XXXX. But our creditors kept calling. We kept telling them our retirement income was much less than our prior income. They bombarded us with telephone calls and made it difficult to communicate reasonably. Eventually, most of our accounts ended up with debt collectors Our incomes were from public retirement and social security which could not be garnisheed. They were legally bullies and some had more than one collector claiming to own our debts. They would seek more than the Judgment Lien. These debt collectors were deceptive. So far, they have placed three judgments liens against our home for this credit card debt. Sadly, we had made payments on these charged off debts.
It appeared that these debt collectors accessed without our consent our credit reports. They would use warnings, scare tactics and schemes to try to intimidate and to legally overwhelm us. They would call every other day, and would they change their telephone numbers each time we would block them. They seemed to be competing by obtaining accounts that we were already arranged payments on. They would claim to be governmental agents, some would offer us a three-payment settlement but as soon as we make the second payment, a new debt collector say they own that account. They changed the amount owed by us, the dates of debt, double billed, collected on accounts closed and/or inactive for years, made false offers and even lying to us and about the information about our accounts on our credit reports.
One debt collector, Barclays Lawyers would not stop hounding us for {$3600.00} for a credit card. We tried to reason with them, but their greed and power was overwhelming. Their lawyers took us to court in XXXX XXXX and received a judgment against us. We set up a payment schedule with Barclays lawyers for {$60.00} a month. After about seven payments, the lawyers flipped the script. We applied for a high finance personal loan with for a dental emergency. It was approved and the loan was deposited in my bank account. But the Barclays lawyers froze the {$2400.00} in our bank account. We went to our bank, and they told us the Barclays lawyers froze our account. The original Judgment against us was granted to Barclays lawyers in XXXX XXXX but they filed the bank Hold paperwork in XXXX XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX is near XXXX XXXX and 217 miles from XXXX. The Barclays lawyers won and was given our {$2400.00}. Later they sent us a discharge, but credit reports still have incorrect information. How did they know when we applied for credit, when we were approved and when to freeze our bank account?
We welcome these debt collectors to collect from us the right way. But some are using unethical and/or scams to collect from us. Please investigate our situation and hopefully this will help us and others. Copying is expensive but we have records.
|
| 10/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I purchased for 2 rooms at the XXXX XXXX XXXX for 2 nights onXX/XX/XXXX. The total charged on my Barclaycard was XXXX for the rooms in XXXX. As listed on my cc receipt the charge was by XXXX XXXX. The XXXX XXXX XXXX was closed on those dates due to the COVID pandemic. I contacted XXXX by their customer service number to discuss my options. No calls back, I placed a support ticket requesting what i should do. After over 3 weeks of no response, XXXX also XXXX communication on their website and phone message instructed to cancel the reservation on their website and then place a support ticket. I canceled reservation and placed another support ticket to get a refund XXXX XXXX was that they were not able to refund my money due to their booking agency not refunding the money.
I continued to reach out to XXXX to get the booking agency name or get any information but they responded they could not provide the booking agency name and I would not be getting a refund. I joined a XXXX group Scammed by XXXX for support and help to get my money back and stared the chargeback process with Barclay on XX/XX/XXXX.
A letter was sent to Barclay Card and continued to follow up. A letter dated XX/XX/XXXX was mailed to me, stating Barclay could not see in my favor because my reservations said nonrefundable. No one even called me about additional information .As stated in Barlcay 's letter when I opened up the chargeback : Generally the information you have already provided us is enough. However we may contact you for additional information to ensure that we have the strongest case On XX/XX/XXXX after finding out the chargeback is denied, I call Barclay to get some information as to why. No one can tell me anything only that XXXX provided information On this call I asked to have my case flagged for a callback from a manager or case investigator. The agent today suggested I write another letter and provide additional information which i did. I provided to XXXX and Barclay card documentation from the Hotel that no payment was made, reservations are cancelled with no fee and the hotel was closed and additional info. So Barclay has to see that this is valid.
I did receive a chargeback from Barclay in XXXX but XXXX disputed that and was charged back to my credit card. The letter sent by Barlcays, stated that the merchant supplied documentation that details what the transition represents. It is also stated that Barclay is unable based on the documentation to pursue credit. No one from Barclay called me.
After reaching Barclay again all disputes were being handled through the mail only. I sent another letter on XX/XX/XXXX, again requesting the documentation and asked it to be reopened. They reopened and that was denied on XX/XX/XXXX.
I continue to dispute the charge and believe I am entitled to a chargeback. The company XXXX also XXXX did not provide services contract. To further complicate things during a pandemic, communication from them said to cancel the reservation on their website and then place a support ticket.
A large majority of XXXX have refunded the customers whether refundable or non refundable reservations. Who would every book a hotel reservation nonrefundable and not expect to get their money back if the hotel is closed. A non refundable reservation protects the hotel incase I decide to cancel. I cancelled because they were closed. I regret cancelling the reservation but that is what I was instructed to do by XXXX and as I believe XXXX is acting fraudulently in handling refunds to its 700+ customers that are only get money back through chargebacks. They even offered a voucher but after I continued my Chargeback didn't hear back from them. Based on customer experience with using the voucher or should say denial of the voucher, not confident in this company. How can so many people have the same issue with a company. Currently XXXX XXXX website is not active.
|
| 11/25/2016 |
Yes |
|
|
|
Web |
|
|
I was a member of my airline rewards credit card since 2010. The card is financed through Barclaycard. When I unknowingly ordered counterfeit items from a fake website, I immediately called Barclaycard. I was told they could not stop the charge. Though I told them that the website was fraudulent, the customer service representative did not start an investigation into my complaint. Even after I requested that my card number be canceled on that same call, while the representative cancelled the card and issued a new card, interestingly the representative did not start an investigation into my complaint. I separately tried to request a refund from the fraudulent company, but because they were criminal counterfeiters, they gave me the run around. I eventually revisited the website, XXXX, and found that it had been shut down, and replaced by a notice of litigation from an international law firm. The law firm recommended that victims contact their credit card company for a refund. Having heard that my brother 's credit card company, XXXX, had immediately issued a credit to him for a similar purchase to the same website on the same day, I expected that, for sure, Barclaycard would do the same.
To my surprise, not only had they not started an investigation into my previous complaint, but they refused to issue an immediate credit, a courtesy credit, or even a conditional credit, despite my repeated requests in response to their often repeated statements that I was a " valued customer ''. I was forced to speak to several individuals, each more robotic than the other in their responses to my request for a credit in this issue. Despite my giving details regarding the fraudulent website, the misrepresentation of products offered, the counterfeit products received, and the pending international lawsuit, none of the Barclaycard representatives looked into my request. Instead of applying a credit to my account, I was to speak to the " Investigations Department '', then the " Investigations Department '' told me to speak to the " Disputes Department '', then the " Disputes Department '' told me to send a written request for a review by the " Disputes Department ''. When I asked for a supervisor, the supervisor told me to file a " Dispute '' with the " Disputes Department '' who would investigate my request and decide if I should be issued a credit. When I expressed my extreme frustration, I was forwarded to another person and I requested a credit of the {$100.00} charge or a close of the account. Instead of issuing the credit, I was then transferred to a customer service representative who asked me to once again, for the third time today, explain my request. I recanted the same concern. To top it off, this representative, identified by number " XXXX '' told me that I did not understand. When I told the employee that as the VP of Compliance at my company, I not only understand policy, I also understand customer service and courtesy for a long-time, loyal customer. I then asked for the name of the Barclaycard Compliance Officer. Representative " XXXX '' did not know the answer to that question. He transferred me to his manager, " XXXX '' employee number " XXXX ''. XXXX also did not produce the Compliance Officer 's name or contact information. Instead, I called the " Office of the President '' where I spoke to " XXXX '' who confirmed my previous calls in their system, but did not check the XXXX website. Instead, " XXXX '' told me it was against the law to credit my account, even " provisionally ''. He misrepresented the law.
This was a remarkably uncaring, non-courteous and disappointing interaction with Barclaycard. It was disturbing that no one knew who their " Compliance Officer '' was when I asked to speak with him or her. It was further disheartening when I asked for their ethics hotline there was no information shared with me. In the end, I had to cancel the car
|
| 12/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
1. My wife and I have had a " Wyndham Rewards '' Visa credit card since XXXX. We have used it without problems until this XX/XX/XXXX. The current issues are related to the company from which the cared is managed by Barclays.
2. Barclays sent another credit card in May. Payments were set up that month on my wife 's phone using their online bank system that they provide.
3. On XX/XX/XXXX {$230.00} was withdrawn from our personal checking account as it was scheduled.
On XX/XX/XXXX {$230.00} was withdrawn from our personal checking count as it was scheduled.
On XX/XX/XXXX {$230.00} was withdrawn from our personal checking account as it was scheduled.
4. In XXXX we received calls from " Wyndham XXXX XXXX '' stating that we had been sent to collections due to owing monthly payments Since XXXX.
5. On XX/XX/XXXX my wife was on the a 3 way phone call for XXXX hours ( after having been disconnected several times ) with a Wyndham XXXX supervisor and a supervisor for the Wyndham Rewards credit card ( through Barclays ) companies. This 3 way call did not go well after all that time spent trying to resolve this issue. The end result was : A. Wyndham XXXX wanted their payment for those 3 months and B. Wyndham Rewards credit card through Barclays stated that they did not receive the payments.
6. A payment was then made for {$700.00} on that same day ( XX/XX/XXXX ) from another credit card to avoid being sent to collection.
7. Another lengthy phone call was made to Wyndham Rewards credit card XXXXompany ( Barclays ) supervisor who refused to accept that Barclays had made a mistake in not showing the payments had been made to Wyndham XXXX XXXX. My wife told the supervisor that she was going to report them for trying to collect money from us that had already been paid. After multiple calls to Barclays the Wyndham Rewards credit card with Barclays was cancelled and their emails were blocked by my wife. My wife made calls to Barclays on the following days : XX/XX/XXXX XX/XX/XXXX and XXXX, XXXX XX/XX/XXXX XXXX stated that all phone calls were being recorded.
On XX/XX/XXXX my wife recorded yeet another phone call with them after receiving another statement for payment of the already paid account.
8. This issue was reported to our bank ( XXXX XXXX ). After an investigation by them the {$700.00} was reimbursed back into our personal credit card. This was done by 3 separate payments covering the months of XXXX, XXXX, and XXXX of XXXX.
9. On XX/XX/XXXX a statement from Barclays was sent to us to collect {$490.00} ( an outstanding balance they claim was not paid ).
10. Another lengthy phone call by my wife on XX/XX/XXXX ( after getting disconnected ) and calling back she was sent to the " dispute department '' for Barclays Bank. The numbers given her to call were ; XXXX XXXX My wife talked to XXXX, XXXX and XXXX who all claimed to be supervisors and that a claim was made by my wife on that day XX/XX/XXXX.
11. Another long phone call ensued on XX/XX/XXXX by my wife to follow up on the complaint filed on XX/XX/XXXX. She was referred to XXXX who gave her an email to send the statement documenting the payment had been made to Wyndham XXXX XXXX ( which is Wyndham XXXX XXXX ). This payment was made from a credit card through XXXX XXXX XXXXk.
12. An email was sent to : XXXX Attention : XXXX with reference number : XXXX XXXX XXXX. This email was sent from my wife 's email but was returned because the email was rejected by Barclays Bank. I then sent the email from my email account on XX/XX/XXXX and it was received.
14. However, on Sunday XX/XX/XXXX my wife received email bill from Wyndham Rewards credit card saying that we still had an outstanding amount due and that it was past due.
15. Lastly, as you can see from all of the above information we have been trying to resolve this matter with Barclays Bank the issuer of the Wyndham Rewards credit card.
|
| 12/19/2015 |
Yes |
|
- Credit line increase/decrease
|
|
Web |
|
|
I am a XXXX year old, full-time employed male. I purchased my first home at a conservative price point, and I live well within my means.
Like any other XXXX year old, I have college student loan debt, revolving credit card debt, and now a mortgage ; however, my credit report, despite the high credit card balances to credit limit ratio would show that I have 100 % on time payment history.
So naturally, after purchasing a home, I would accrue additional credit card debt in the following months.
Just as I have in the past, I created a spreadsheet of all my credit card balances v. credit limits, interest rates, promo balances and expirations, etc. I have strategically mapped out the way I would spend and allocate my income to pay down high interest rate balances sooner, then promos with expirations, then low interest rate balances, until I have an overall credit card usage between XXXX and 20 %, just as any financial planning expert would advise. I did the same thing prior to taking a first mortgage when I bought my house, and I have decided to do the same thing again to get my credit score back up to where it used to be.
That being said, one of my highest interest rate cards is Barclay Card Us / XXXX XXXX XXXX with an approximate 23 % APR.
As of my XXXX statement, I had a high balance of over 90 per cent credit usage. Of that usage, a little under {$500.00} was subject to the high interest rate.
In strategizing what cards I would make bulk payments first, I started with my high interest rates that were also in usage above 70 per cent per card. I made a lump payment of {$500.00} to Barclay Card US XXXX XXXX in order to effectively kill my high interest balance, so that I could continue to make minimum payments over the long term while I continue to blitz other high interest balances. I would make a lump payment on XXXX card, minimum payments on the remaining cards one month, and then do a lump payment on another card the following month. I would repeat this until my high interest balances were paid down, and my debt to income ratio would be stabilized.
After processing my {$500.00} payment, Barclay Card US / XXXX XXXX arbitrarily, and without notice, lowered my credit limit by {$500.00} approximately, thus rendering my bulk payment null and void. I paid them {$500.00}, just to have them remove {$500.00} off my available credit. And to add insult to injury, the {$500.00} payment did n't even affect the high interest balance that I was paying off in the first place.
If I had known they were going to throttle my credit limit, I would n't have started my credit card blitz with this account. I would 've just continued to make my above-minimum payments, on-time ( as ALWAYS ), until all my other high interest balances were paid.
When I contacted customer service, their feeble excuse was that their portfolio managers ( Who the XXXX knows who that is? ) decided that my debt to limit ratio was too high, so they lowered my limit ... which, in my mind, is completely counter-productive, because they took my near 70 per cent usage and thrusted it back up to above 90 % by throttling my credit limit. Furthermore, they 've brought my overall credit usage back up to where it was before I started blitzing, AND they left the balance subject to the high interest rate in the first place untouched. Who 's to say that they are n't going to continue throttling my limit as I make high payments to keep my usage high and my credit score overall low?
I demand that this practice be stopped. The credit card companies were forced to disclose how long it would take to pay off balances making only the minimum payments ... but now this company is allowed to arbitrarily reduce my credit limit and render my high cash payments ( my LIQUID funds ) null and void?
I am disgusted right now. Thank you for your patience and consideration in understanding my dilemma.
|
| 10/05/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Servicemember |
|
When checking the statement from Barclaycardus.com on XXXXXX/XX/XXXX, on the internet, I found numerous unauthorized transactions starting XX/XX/XXXX ending XX/XX/XXXX on my XX/XX/XXXX statement. I immediately called Barclay and told them about the unauthorized transactions, again on the XXXX I checked and found more unauthorized transactions. That would be on the next statement and had not been seen by me. OnXX/XX/XXXX and XX/XX/XXXX Barclays reversed the charges in total of {$17000.00} I also had charges from same vendor that were authorized, I gave them all the information, and paid the authorized amounts for {$13000.00} in 3 payments of XXXX,XX/XX/XXXX, {$3000.00} on the XX/XX/XXXX and XXXX on the XX/XX/XXXX. On my XX/XX/XXXXstatement it shows my payments along with reversal of previous credits of unauthorized transactions in the amount of {$32000.00}, leaving a balance of XXXX. OnXX/XX/XXXX I received a letter, dated XX/XX/XXXX, saying that Barclays was denying the charges that I had filed as unauthorized in the {$19000.00}, without any explanation. That they had determined they were authorized. After repeated calls to XXXX and Barclays, they both kept telling me to call the other since they went through XXXX. Finally, I could not call XXXX without extended periods of being on hold 45 minutes etc, I have the phone records to prove it. On the XX/XX/XXXX I called Barclays again and spoke with XXXX who proceeded to tell me that " your husband called on the XX/XX/XXXX and said that all of the charges were authorized '' I was adamant that my husband had never called them or anyone else concerning this matter, he was fully aware of it however. And that no one else was aware of the situation except the two of us, my husband and myself. XXXX asked to speak to my husband, who has been diagnosed with XXXX and has XXXX on theXX/XX/XXXX. I asked my husband if he felt like talking to them he said yes. The only thing that was asked of him was asking him to state his full name, I heard him reply. He was told to give the phone back to me, at which time I was put on hold briefly, then when XXXX came back he asked if I would like for him to get in touch with XXXX and have a conference call and I adamantly agreed. A lady by the name of XXXX spoke with me and I told her the entire situation, she asked questions which I answered truthfully, she asked if I had been in touch with my financial institution, Barclays, I told her yes again, I told her that XXXX was supposed to be on the line as he had arranged the call, up to this time he was silent. He said " I am here '' I asked him if he would confirm what he had told me within the last 30 minutes that my husband had called on theXX/XX/XXXX stating that the charges were authorized, at that time his reply was " yes that is correct, however since then we have determined that your husband was not who called '' He did not say anything else. I asked XXXX if they keep all of their recorded messages and was assured that they do and they would provide the recorded conversation with a subpoena. At this point in time Barclays has added more charges from the same vendor in the amount of {$11000.00}, and credits of XXXX for an additional unauthorized amount of {$8700.00} for a grand total of {$27000.00} all unauthorized and disputed. I have not received any other correspondence from Barclays concerning this matter, not by email or USPS. I am claiming fraud in the use of my husband so called involvement in the matter, from a person or person unknown to us. Also, the credit limit on the card {$9500.00} no one has ever opted to have the credit limit allowed to go over, this is fraud by Barclay themselves. So We demand a full reversal of the amount of {$27000.00} along with any and all interest or penalties. I have had no contact with XXXX or Barclays since that day, other than to check the balance on the card by internet.
|
| 03/03/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
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Web |
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In XX/XX/XXXX I bought merchandise from a business, XXXX XXXX XXXX, in the amount of {$610.00} with my Barclaycard. I called and spoke to the owner of XXXX XXXX. He stated that he 'll send me a replacement or will refund me if the new merchandise did n't work, as I was having an allergic reaction. I received the shipping label via email only. I got the label and that to me was a sign they would comply with the agreement we made over the phone. I shipped the merchandise back within the week, they received it ( confirmed via tracking ) and I waited. After 2 weeks I wrote an email to them asking where my merchandise was, no answer. I called, no answer. I did this for over a month, I called and emailed, and no reply. I contacted my credit card company to help. They asked me to send they all the information I had, so did that same day. It took them some time to get a reply from the business. When they did, the business said the merchandise was non-refundable. I sent the credit card company a copy of the shipping label they paid for, which their return policies say they will not do, among all and any other information they asked for. This paid shipping label is a clear sign the company had agreeing to receive the merchandise and took responsibility for a return of money or new merchandise. I have been back and forth with my credit card company since XX/XX/XXXX on this. Every time I spoke to them, no one knew what the status was, or needed more information, runaround. I spoke to one " investigator '' and she told me, " I need their return policies ''. I replied, " they are online to view '' and went through they with her. She said, " everything looks good. You sent the merchandise within the 30 days, and they sent you the label, which it clearly states they wo n't do. We should be all set XXXX XXXX. You should have your return soon ''. When I saw that there was no return I called back. After been transferred and hung up on ( which was an ever phone call thing with them ), I got a young lady by the name of XXXX, she told me " We need something in writing that show they are in agreeance '', " You can see clearly they have robbed you '' and then " Get us something in writing that A. says they will refund your money or B. that they will send you new merchandise, that is what we need to send their bank to get your money back ''. So I reached out the company again, after about 6 months later from receiving the per-pad shipping label and, by a miracle, got a reply, on XX/XX/XXXX, on their website, there is a '' talk live '' messager. On there, a rep clearly stated their apologizes and would send me the merchandise within a week. It 's been 4weeks and I have nothing. I reached out the credit card company after 14 days and told them " Ok, it is clear they will not do as they say. What 's the next step? '' mind after been transferred again for over an hour, I demanding a manager. I finally got one, He asked for me to fax a copy of the messager conversations, I did so right away, and saw told a " manager '' would call me back in 24 hours. I confirmed my number and waited. My mother who is a cardholder got the call, not me. So I called for a follow-up, 2 days later. After getting the runaround, again for about an hour, I got the " manager '' who had called me. She told me they had n't even received the fax. She asked me to once again fax the copy to them and that she will note on my account, that someone will call me back to assure they have everything they need, as the fax goes to a large center. I never got that call. The Credit Card company has told me today they will no longer help, " as the company said they did n't authorize the return '', which is not true, " To get the return on your own ''. In spite of the return label and the messager that clearly states the new merchandise was on the way. Please help so much more to say but cant fit it all.
|
| 03/09/2017 |
Yes |
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- Incorrect information on credit report
- Account status
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Web |
|
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I 'm writing this credit dispute because a Barclay Credit Card company employee has made a mistake that has lowered my credit score by over XXXX points by charging me $ XXXX dollars in unpaid interest on a {$17.00} dollar balance that they neglected to tell me I would still have once my account was closed. I closed my account at XXXX eastern time and the " Ghost '' charge did n't post until after that.
I closed my account with Barclay on XX/XX/2016 because I was not satisfied with their service and when I closed my account, I asked that they make sure to check that everything was taken care of and that I was 100 % paid off. I made sure to have them check for any " Pending Transactions '' to make sure this would n't happen. Once my account was closed, I cut up my Barclay card and did n't look in the review mirror for anything " Barclay '' since. I was under the impression that I paid my account in full, 100 %!
Upon checking my other credit cards, I noticed that my credit score has dropped over XXXX points because Barclay has filed a " Delinquent Payment '' towards my credit score for the amount of $ XXXX dollars.
I called their call center today at XXXX and spoke to a young lady that stated that I actually owed {$17.00} on top of what I already paid and now that it was delinquent and past due, I owe $ XXXX dollars. When I closed it on XX/XX/XXXX, I only owed {$790.00} dollars and I paid {$810.00} because I made sure to have the representative check for any " Pending Transactions '' and they said I only had one pending transaction and it would bring my total to {$810.00}. So I paid more than the {$790.00} on file because of the pending transaction and now I 'm finding out that I did have another " Pending Transaction '' that just happened to process on the same day I closed my account with Barclay and the representative did n't notice it or neglected to mention it. This other pending transaction made it to where I still owned Barclay {$17.00} when I was under the impression that my account was closed and paid in full 100 %, as the Barclay representative had informed me of on XX/XX/2016.
Due to this mistake by Barclay and their representative, I now owe $ XXXX dollars to Barclay and my credit score has dropped XXXX points. I would like Barclay to acknowledge that this was their mistake and that I am not liable for the owed interest on a payment that I was unaware that I had and I would like them to withdraw their " Delinquent Payment '' from my credit score and make it to where they take full responsibility for this mistake and my credit score is restored.
Barclay did n't send me any physical mail to inform me of this delinquent amount and they did n't call my number on file to let me know about it as well, even though they knew I had closed my account with them. They sent emails to my old email box that I do n't have access to anymore and that 's how they left it.
In summary, thanks to a mistake by Barclays representative, I was under the impression that my Barclay account was paid in full 100 % and I had taken care of all " Pending Transactions '' on XX/XX/2016, which is why I paid {$810.00} and not {$790.00} ( That my account said I owed on XX/XX/2016 ) and now my credit score has suffered a negative mark of XXXX points due to the neglect and mistake of Barclay.
I 've since had them remove all interest charges and I 've paid the remaining total of {$17.00}, and I 've requested that they remove any negative marks from my credit report and they refuse to do so. I do n't deny that I still owed {$17.00} when I closed my account, but I refuse to accept this punishment on my credit score because of Barclays neglect to inform me of this remaining amount, their mistake in telling me I was paid in full when I was n't and their neglect to contact me to inform me of this other than sending emails.
Please help!
Sincerely, XXXX
|
| 12/05/2016 |
Yes |
|
|
|
Web |
|
|
This complaint arises from a request to place a charge on my credit card issued by the respondent bank into dispute for failure by the merchant to issue a refund credit for the charge after they represented they would do so upon cancellation of the order for lack of inventory on their part. The dispute was made to the respondent bank on XXXX/XXXX/2016, at which time I provided all requested information through a very time-intensive interview. Upon completion, I was informed I would not receive a chargeback or even a provisional credit until investigation was completed, which could take up to 90 days. Consequently, the charge would be computed into my statement balance and become due prior to any credit irrespective of the fact that I had formally disputed the charge and investigation is still pending. Banking regulations require that when a consumer disputes a charge on their credit card, the charge be removed or provisionally credited pending investigation, at which time such credit could be made permanent or reversed depending on the findings of the banks 's investigation. Upon raising this issue, I was escalated to a supervisor who confirmed for me that the original representative was inaccurate, and a provisional credit would be issued to my account within 3 business days. I accepted this solution. Upon monitoring my online banking XXXX/XXXX/2016, to check for the promised provisional credit, I was alarmed that not only had no credit been issued, but the dispute had been closed entirely. I contacted the bank by phone to inquire, and following a lengthy hold was advised that because the bank could not reach me by phone on XXXX/XXXX/2016 to request additional information the dispute was dismissed. I am perturbed that the bank would dismiss a dispute to a charge after one failed attempt to reach the customer, without providing any notice or reasonable period of time to contact the bank to provide further information. I am further annoyed that after going through such a time-intensive process once, I was required to initiate any further action to avoid being billed for a charge I had already notified the bank was in dispute and why. Moreover, I was required to resubmit to the same lengthy interview I had already given on XXXX to reopen the dispute rather than just supplement my answer with the " further information '' requested giving rise to the improper dismissal to begin with! Even more outrageous, this is because there was no " further information '' actually being requested ; everything I was asked to provide to resolve that had been in my XXXX statement! However, these collateral issues are not the primary focus of this CFPB complaint. After going through all this to get the dispute opened for a second time, the representative -- contrary to the agreement of the supervisor the first time this dispute was made -- repeated the policy that refused me a chargeback or even a provisional credit until investigation was completed, which could take up to 90 days. The charge is still computed into my statement balance and will likely be due prior to any credit irrespective of the fact that I had formally disputed the charge and that investigation is still pending. The person I was transferred to upon escalating this refused to do anything except take down an informal request for someone to call me back another day at an undetermined time. I believe the bank 's policy is non-compliant with the law and with industry norms, as well as purposefully designed to be as cumbersome, inflexible, and requiring constant monitoring follow-up action by the customer before the bank makes any effort to enforce its purchase protections to which the customer is contractually entitled on the logic that most people will opt to assume any losses themselves rather than claim for purchase protection and fraud protection where the bank risks taking the loss.
|
| 09/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/XXXX I received a call from XXXX XXXX from Barclays bank asking me when I was going to make my credit card payment for the previous month, which she said was due on XX/XX/XXXX. I said that I didn't understand because I always pay the bill when I get it. So, I said maybe I never got the bill? However, I had also signed up for alerts from their website to notify me if a payment was due and I never got a notice of any kind. She then said that they had a problem on their website and that the alert notices for all accounts were lost and I would have to go reset it again. I said let me look online and I logged into my account with her on the line. I saw that there was a balance due from the XX/XX/XXXX statement, so I made an immediate payment, as well as a payment for the new bill which would be due on XX/XX/XXXX. At that time she took off the late payment fee, but not the interest charges. After hanging up, I went to go check my credit card records and I saw that I had already paid the XX/XX/XXXX statement at Barclays website on XXXX and I was given the confirmation number XXXX when I paid the bill. So, I called Barclays back and the person who answered was, once again, XXXX XXXX. I explained that the bill was not overdue because I had already paid the bill on XXXX and I gave her the confirmation number. She then said that the confirmation number was meaningless because they had a problem on their website and that I should have known that the payment was never taken out of my account. I then said that I assumed that if I got a confirmation number from their website then it is their fault if their system didn't work and she should make sure that my account is not reported as being late in any manner and that she should take off all of the interest charges. She agreed and said she would do so. The interest charges were removed and I assume that she took proper steps to make sure that my account was not flagged as being late, due to their website problems. That seemed to be resolved, but about a week later I got my new statement, the one that was due XX/XX/XXXX and I noticed another problem. I am supposed to get XXXX XXXX miles for my account purchases each month and I noticed that there were quite a few transactions on that statement that were not credited for miles. My total purchases were for {$1500.00} and rather than getting XXXX miles, I was only given XXXX. Therefore, I was shorted XXXX miles. That day ( XX/XX/XXXX? ) I went online to my credit card account in Barclays and sent an email in the : contact us '' section to inquire about the problem. No one ever answered me. On XX/XX/XXXX, I called Barclays to inquire about the problem. The rep I spoke with told me that they had been having major problems with converting their XXXX XXXX card website to a different format ( evidently, I was a victim of those problems! ). She was communicating with a supervisor by text while talking to me and they were not able to fix the problem. At that time she created a case # XXXX and said I should hear back shortly. It has now been XXXXx days and there hasn't been a word from Barclays about fixing my problem. I have wasted at least two hours on the phone with this company to to fix these problems that are no fault of my own. I would appreciate your help in getting this company to fix its problems and get me the Aadvantage miles that I am owed for my purchases. And, I would also like to say that I doubt I am the only Barclays customer to have this problem. I would assume that there are hundreds, if not thousands, of XXXX XXXX MasterCard customers who have had problems similar to mine. Very few will take the time to write a formal complaint, but I think you should be made aware of this situation of terrible, and what I would consider " deceitful, '' customer service from Barclays bank. Please let me know if you need any more information.
|
| 09/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
|
My dispute began in XXXX of this year, 2022. I am a Wyndham Rewards Member and I have the Wyndham Rewards Earner Visa CC issued by Barclays in Delaware. On XXXX of XXXX I made a reservation with Wyndham Rewards for XXXX XXXX XXXX, XXXX had points for 2 nights free and 2 nights with points and money. I stayed at XXXX XXXX in XXXX AZ. I checked in on XX/XX/2022. I went to my room and found a man in the bathroom. I rushed right out of the room and went to the front desk. I was so scared. I informed them and they told me no one else was assigned that room. I went back and the man was no longer there and this time I notice a stifling odor of cat XXXX. I went back to the front desk and told them that I need another room, I am terribly XXXX XXXX XXXX and I couldn't breathe. I had to wait for another room. They told me that it was the last room they had and if I was not happy I would have to find another hotel. The next room smelled but definitely not as bad as the first room. This was the week before XXXX spring training and no availability for a hotel rooms anywhere. The rooms that were available would cost me an arm and a leg. So with no options I stayed reluctantly. Not only was the property a slum the parking lot was full of pot holes, the doors and grounds were filthy, the toilet was unsteady when it was used and it would tip forward : (. I called Wyndham and I got no assistance! The cherry of this whole ordeal was that It took me and 10 other guests over an hour to checkout. There was only I person answering the phones and checking out guests. I called and filed a complaint with Wyndhams Rewards Diamond Concierge department. I insisted on a refund of my points and money. When I got my statement in XX/XX/2022 I was charged twice by XXXX XXXX, 2 different amounts, {$220.00} for my 2 free nights and {$220.00} for the other 2 nights that should have been billed to Wyndham for my 2 free nights. I called the hotel, Wynham Rewards Diamond Concierge, and Barclays to dispute the over charge and for a full refund. In my XXXX Statement I was given a credit for my stay by XXXX XXXX for {$230.00} and a provisional credit of {$220.00} by Barclays. I thought that this was it but it wasn't. Barclays rebilled me on my XX/XX/2022 statement for {$220.00}. I filed a dispute to Barclays. Because they should have contacted Wyndham and charge them for the Provisional Credit they had issued me for the 2 nights that XXXX XXXX should have billed Wyndham {$220.00} for my two free nights that I got with just points. The other 2 night I paid with points and money. I have filed dispute with Barclays and they won't contact the hotel because they charged me for the 2 free nights. It should have been billed to Wyndham Rewards. It's been over 90 days since this entire ordeal and Barclays won't accept theirs and XXXX XXXX 's mistakes. My balance should be zero but its not. I've overpaid my bill in XX/XX/2022 for {$29.00} so that It wouldn't affect my credit report. Unfortunately it has carried on for this long with no resolution in sight. It has affected my credit report. I decided not to continue paying an amount I don't owe. They won't accept their mistakes. I paid off my entire balance in XXXX. I need Barclays to credit my account for {$230.00} + overpayment of {$29.00} + interest + late fees. I should not be responsible for the mistake of these two companies. XXXX XXXX is the manager of XXXX XXXX were I stayed. XXXX is from Barclays. Barclays reported me to the credit bureau for being late for 60 days. I DON'T OWE THIS BALANCE. I've made over 55 calls to XXXX XXXX, Wyndham Rewards, Barclays, I filed a complaint against Barclays with the XXXX of Delaware. PLEASE HELP ME! I have attached my billing statements from XX/XX/2022- XX/XX/2022. I should not be charged for anything from XXXX XXXX. I paid the XXXX XXXX {$110.00} & XXXX XXXX XXXX {$300.00}.
|
| 09/28/2015 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
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|
On XXXX/XXXX/15, I called Barclaycard to dispute a portion of a charge on my Upromise Mastercard. The charge was from a purchase at XXXX on XXXX/XXXX/15 for {$13.00} but posted on XXXX/XXXX/15 for {$14.00}. I spoke with XXXX representatives and XXXX manager, XXXX, and all told me I had to contact XXXX directly before a dispute could be opened. I asked when that policy changed because in the past, I was not required to contact the merchant to dispute a posted-charge that differed from what I agreed to on my signed credit card slip. All assured me this has always been the policy. I asked each to read me the policy from my cardholder agreement. All told me I could find the policy on Page XXXX of my statement. I explained my statement only went to page XXXX. Each told me it could be found under " Important Information - Your Rights If You Are Dissatisfied With your Credit Card Purchase. '' I explained I was not dissatisfied with the purchase but rather with the amount posted because there was a discrepancy with what I agreed to. I further explained this section did not apply to me because this section ONLY applies if I was DISSATISFIED with the goods/ services purchased and the goods/services must have been more than {$50.00} - neither of which was true. XXXX said " Well, you are dissatisfied with the price, so this section applies. '' All were steadfast in their position that I must contact the merchant first. at this point, I really was at a loss as to what to do, so I asked XXXX to escalate my complaint to the next level. She said she was the highest level I could talk to on the phone, but I could escalate my complaint by writing to the Office of the President at XXXX. XXXX XXXX, XXXX, DE XXXX. I hung up, called XXXX, and had to provide them with my card number over the phone so they could correct the error. I was not happy about having to provide my card number over the phone. Then I researched my rights and learned the Fair Credit Billing Act covers charges that list the wrong amount. I called Barclaycard back to complain about the XXXX representatives. The representative I spoke with apologized about the way the matter had been handled and stated I was correct. I asked the representative to verify the XXXX of the XXXX 's address, and she gave me a different XXXX XXXX XXXX. than what XXXX had given me. At this point I asked to have someone call me back to ( 1 ) assure me the representatives were retrained on the correct policy for billing disputes ; ( 2 ) let me know what I could do in the future if this were to happen, and ( 3 ) provide me with the XXXX of the XXXX 's correct address. The representative said she would notate my request for a call-back and provided me with Case Reference No. XXXX. On XXXX/XXXX/15 at about XXXX, a manager named XXXX called, but I missed her call. She left a voice mail stating if my issue was still not resolved to call Billing Disputes at XXXX XXXX XXXX XXXX. My issue was not resolved because I did not receive any of the information I requested, so I called back. The representative told me managers would always attempt to contact the customer a second time. I explained it did not sound like XXXX was going to make a second attempt because she placed the ball in my court when she told me to call back if my issue was not resolved. That representative put in a request for another call back. As of XXXX on XXXX/XXXX/15, I had not heard back from Barclaycard, so I called the XXXX number XXXX gave me. The representative I spoke with, XXXX, said she did not know how I had been transferred to her department because my Case Reference number was not for a billing dispute, and I probably should be speaking with someone in Customer Service. Rather than get bounced around, I am filing this complaint with the hope of resolving this issue so I do not have to go through this again if I have a billing dispute.
|
| 12/06/2016 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
Older American |
|
My complaint concerns Barclay CardsXXXX rewards Visa card issued by BarclayCards. I believed this online application was a fraud, a scam and misleading advertisement. On XXXX XXXX I applied for a XXXX credit card when I was getting ready to purchase an airline ticket. At the time of purchase, I was prompt to complete and online application and if approved I would get a {$50.00} credit towards my ticket purchased today. I completed the application ; however, when trying to apply the credit card to the XXXX airline ticket purchase, I was not allowed to use the credit card. I contacted the BarclayCard company and explained what happened and was told I should have been prompted back to the credit card but the customer service representative indicated that once I made my first purchase with my new XXXX credit card I would get the {$50.00} credit. I have made the first purchase and when I inquired about the {$50.00} credit, I was told by the security department that this advertisement/credit was from XXXX, when I contacted Barclay Credit Card company the exact day I completed the application I was told that once I made my first purchase I would receive my {$50.00} credit. misleading AD. I withdrew {$300.00} cash and my card was frozen/blocked. I immediately contacted Barclaycard the card immediately offers this benefit ( CASH AVAILABLE ). asked a series of questions answered ALL questions correctly told I passed the screening few minutes later the security customer service representative said, " Although you passed the screening questions, you will still need to send in additional information. '' I sent in the requested information SS card back and front, CA ID back and front and my bank statement ALL Sent on XXXX XXXX, 2016 nine days passed I contacted the company to about my paper work, they had not I was asked another set of questions and AGAIN, I passed and answered them ALL correctly. The security representative than told me he was going to go through another series of question from public records and if I passed those he would release the block and remove the additional paperwork needed submitting. AGAIN, I passed the second round of screening questions, this make screening questions XXXX rep released additional paperwork needed made my card available for use immediately. He then indicated I could use my card RIGHT NOW!!!. I asked about the {$50.00} credit and was told I had to contact XXXX asked about transferring debt said I was cleared so I called back to start the transfers. I was once again asked several screening questions again now I am getting really frustrated because I was just told several hours ago, I was cleared and was good to go. I AGAIN answered the questions got the ALL correct and got the first transfer entered. Low and behold when I tried to add in the second transfer had to answer more questions, called Monday XXXX/XXXX/16 to speak with supervisor got nightmare customer service rep and supervisor both giving me another round of screening questions and new reason for block, so now it ' cash advance, need additional paper work, phone does n't match file, yet I used this same phone number to activate my card and my ID address does n't match file. Wrong, my application indicates XXXX XXXX and physical address, my CA ID bank statements show both address. Now I feel this company has gotten so much person info from me I believe I will be scammed at XXXX yrs old my info will be used and I should not have been treated like this Want investigation to be sure this company will not use my info. want to cancel card want investigation for mislead ad {$50.00} credit and why was I screened 7 different times and why was my home phone allowed to be used to activate my card all these seems illegal and like a scam to get elderly info to use for future credit applications or fraud or identity theft. Reps dispectful
|
| 04/10/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
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I recently filed a dispute against XXXX with Barclay Arrival Mastercard for {$94.00} on a transaction that totaled {$310.00}. I provided the agent with the two transactions ( {$48.00} from XXXX and {$46.00} from XXXX ) where I received counterfeit merchandise not as described. The rest of the merchandise from that order was received as describedm or the merchant already credited me for the other items which were not. I then received a letter in the mail notifying me of the {$310.00} dispute filed on my behalf. I filed no such dispute. Barclay now intends to make me a thief by failing to file my dispute for {$94.00} and instead attempting to defraud the merchant an additional {$210.00}, making me an accomplice.
I contacted customer service where I waited 31 minutes for an agent. This seems pretty standard at Barclay where I wait 30-45 minutes before being connected to a live person. UNLIKE modern banks, when I am on hold with Barclay I have no indicator of how long I will be on hold, how many people are waiting in front of me, nor do I have the option to request a callback to hold my place in line without sitting on hold. Instead I get a recording telling me how sorry they are as a bank for their inadequacy and untimeliness in how they deal with customers.
I then spoke to XXXX in disputes who informed me she lacks the intellectual know-how to file a dispute for a partial amount of the payment ( something every other bank I do business with has had zero problems doing in the past ). When I asked for a manager/supervisor she put me on hold for several more minutes and then told me none were available and requested my number for a call back. I told her I would wait and she refused to allow me this option. She refused to connect me to a manager or allow me to wait for one and insisted I opt for a callback. The problem with this is that any time I have provided my number for a callback in the past to Barclay, no one from their company ever contacts me. Instead I am forced to call them back, wait another 30-45 minutes on hold to be given the run-around by another incompetent member of their lack of customer service team.
Prior to this event I had filed a chargeback against XXXX for about {$530.00}, and yet Barclay sought {$1700.00} from them ( another fraudulent chargeback attempt committed by Barclay ). Then when XXXX sent a response which did not prove via any third-party documentation that they ever delivered me what I paid for, it took Barclay over 21 days to send me these documents via mail and they refused to use tracking numbers to know when the item was delivered. I immediately sent in my response with full, un-disputable evidence from XXXX 's own reporting software, that XXXX had stolen funds from me, and Barclay bank refused to do a thing about it. I wasnt able to upload my documents online ( a function EVERY other bank offers ), nor was I able to email them to a dispute specialist ( something that had been offered to me in the past, but this time their employees refused ) and instead I was forced to fax them or mail them to Barclay. I chose mail to keep image quality legible and had proof that the response was received by Barclay company only 3 days after I received your packet for XXXX response. Despite getting my documents submitted on time, Barclay allowed XXXX to steal funds from me and did nothing to remedy the problem.
Twice now Barclay has filed fraudulent disputes in my name totaling amounts I never asked for. They have failed to provide me modern means of customer service or the ability to respond to said disputes via online form submissions. They have failed to protect me as a consumer, have allowed merchants like XXXX to steal funds from me, and in doing so are an accomplice in the crime of grand theft ( a felony ). It's time someone from the government does a formal review of this bank.
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| 03/14/2017 |
Yes |
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- Application processing delay
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Web |
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I filled out a credit card application for XXXX Credit Card with Barclay Bank on XX/XX/2017. I filled application out knowing I would be accepted as my credit score is above XXXX and have never been late on a payment and own my own home with a good job.
I received a letter shortly after saying they needed additional information and to call. I immediately called where I was informed that they were approving the credit card for {$16000.00} and that it would be received in 10 to 14 days.
I received a phone call minutes later with the same gentleman on the phone and a third person on a three way call saying they were the security team and before they could send the card out they needed me to mail in a copy of my bank statement and a copy of drivers license and social security card. I questioned that and asked why as that has never been required and was putting me at risk for identity theft. The woman stated that I had a Barclay account several years back at a old address and they needed to prove who I was and my address. I asked if I could email or fax but she sais they could not accept it that way. When I got off the phone I checked my credit report and noticed that Barclay Bank had hit my credit report with an hard inquiry so I copied and mailed the info they asked for to the address they provided.
I waited a week and received another 2 letters saying the same as the first that they needed more info I called and informed them that I had already sent the info in and was told that they send those letters out overtime you contact them and to not worry about it and give it another 2 weeks.
I had originally filled this credit card application out to use this card on an upcoming XXXX trip to get reward points so after 2 weeks I called again and was told to wait another 7 to 10 days I expressed concern about the documents I sent to them because now I was worried perhaps they landed in the wrongs hands as was my previous concern. I asked at this point to talk to a supervisor and they put me on the line with XXXX employee XXXX he put me on hold and stated that he checked and that they had received my documents and would be reviewing them and not to worry. Still no card and another letter came in I called back 3 or 4 times and was told it was still pending. As my trip came closer I called on XXXX 2017and asked to speak to a supervisor and now was put on line with XXXX employee XXXX he told me he would listen to recorded conversations that I had with XXXX and try to get to bottom of it. He called back a few days later and told me he had listened to the call and he was sorry that he now knows XXXX did tell me they were received and XXXX must have info that he does not have and that he would talk to XXXX and straighten this mess up and sorry about everything and get back to me when XXXX was in on XX/XX/XXXX Well I heard nothing back so this morning XX/XX/XXXX I called and was told it was still pending so I asked to speak to XXXX again whom got on the line and said we would have to start over and security team said that I would need to resend all those documents and that they were going to hit my credit report with a second Hard Inquiry. I was appalled this company already hit my credit report once and I at this point could care less about the credit card I just want that original hard inquiry removed and or send me the credit card. How can this possibly be an ethical credit transaction. I value my credit report and pay all my bill on time and to would never have filled the credit app out if I was n't sure it would be approved. To top it all off I closed the bank account that I sent them the info on and had to open a new one to try to prevent identity theft from occurring. This has costed me so much time and so ridiculous. Please help me a consumer should never have to go through this!
I would like the inquiry removed
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| 09/11/2015 |
Yes |
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Web |
Servicemember |
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Please be advised that these are the formal complaints that I submitted to XXXXXXXXXXXX ; XXXXXXXXXXXXDear XXXX XXXX XXXX : While reviewing my account XX/XX/XXXX I noticed that I only had a revolving credit line of {$6700.00} dollars. I figured that it must had been an error in the system so I contacted customer service. First, prior to getting the arrival plus card I original approved for a limit of {$7000.00}. I contacted customer service and spoke with a representative and explained if the limit was only going to be {$7000.00} dollars I was n't going to accept the card. After further discussion it was concluded and agreed that the limit would be {$11000.00}. Please be advised that I have been a cardholder XX/XX/XXXX.
Per my payment record with you can clearly see that I have always been exemplary customer. However, this apparently means nothing as today I learned that my credit line had been decreased without even being notified or without just case. I am aware of my current credit status and it remains strong. In fact there 's nothing new that 's in my credit that was n't apart of it prior to being approved for the line of credit. Of course, my debt ratio may have been a little high but I am utilizing 0 A.P.R promotions. ( However, with this adverse action it 's clearly going to affect my credit score ). As a cardholder XX/XX/XXXX there was never a decrease in my line of credit and during such time all of my credit cards were maxed out. However, you concluded that I was credit worthy and granted the additional line of credit in the amount of {$11000.00} and there was a clear understanding and agreement with the representative should the card not be at a higher limit I would have declined the offer. Since this time as always I have continued to uphold the highest integrity and responsibility by making any and all payments in accordance with all terms and policies. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ..
However, today it Barclay 's took an adverse action towards me without any wrong doing on my part. I believe based off my past history with Barclay 's as a customer the actions are without merit and perceived discrimination along with deceitful and unethical business practices. First, in order for me to obtain the {$11000.00} increase it was agreed that I would close my Barclay reward card in which I believe the limit was {$3500.00} and it would be transferred over and it was agreed the card to be closed XXXX XXXX ).
I contacted customer service today with these concerns however I did not find it to be helpful as they were not interested in taking a complaint and providing the appropriate channels for resolution and being non-complied to Barclay 's complaint statement.
In closing, it is my sincere hope that we can resolve these issues and maintain a long term relationship, however this matter requires your immediate action to prevent further harm.
Dear XXXX XXXX XXXX, Please be advised I did receive a call from XXXX and I was very disturbed by the call and the handling of the matter as any of my concerns were address nor was she able to justify the betrayal of deceptive business practices engaged by Barclay employees in regards to them having me to close a trade line I had since XX/XX/XXXX to transfer to the elite card that as of recent an adverse action was taken against it. Therefore as a result of these issues which I feel are violation of consumer rights I will be escalating this matter outside of Barclays in addition I will pay the remaining balance off on my card and discontinue my relationship with Barclays. I have no interesting in dealing or maintaining a relationship with a company that refuse to have integrity and abide by fairness and agreements in regards to its consumers.
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| 05/23/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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This complaint arises from a request to place a charge on my credit card issued by the respondent bank into dispute for failure by the merchant to issue a refund credit for the charge after I reported the charge was unauthorized and no product had been accepted by mail. The dispute was made to the respondent bank on XX/XX/2018, at which time I provided all requested information through a very time-intensive interview. Upon completion, I was informed not to worry, they would investigate and resolve the disputed charge ( lies ) which could take up to 90 days. Consequently, the charge would be computed into my statement balance and become due prior to any credit irrespective of the fact that I had formally disputed the charge and investigation is still pending. Banking regulations require that when a consumer disputes a charge on their credit card, the charge be removed or provisionally credited pending investigation, at which time such credit could be made permanent or reversed depending on the findings of the banks 's investigation. Upon raising this issue, I was escalated to a supervisor who confirmed for me that the original representative was inaccurate, and a provisional credit would be issued to my account within 3 business days. I was alarmed that not only had no credit been issued, but the dispute had been closed entirely. I contacted the bank by phone to inquire, and following a lengthy hold was advised that because the bank could not reach me by letter sent on XX/XX/2018 to request additional information the dispute was dismissed. I am perturbed that the bank would dismiss a dispute to a charge after one failed attempt to reach the customer, without providing any notice or reasonable period of time to contact the bank to provide further information. I am further annoyed that after going through such a time-intensive process once, I was required to initiate any further action to avoid being billed for a charge I had already notified the bank was in dispute and why. Moreover, I was required to resubmit to the same lengthy interview I had already given several times on varies dates after to reopen the dispute rather than just supplement my answer with the " further information '' requested giving rise to the improper dismissal to begin with! Even more outrageous, this is because there was no " further information '' actually being requested ; everything I was asked to provide to resolve that had been in my written letter statement! However, these collateral issues are not the primary focus of this CFPB complaint. After going through all this to get the dispute opened for a second time, the representative -- contrary to the agreement of the supervisor the first time this dispute was made -- repeated the policy that refused me a chargeback or even a provisional credit until investigation was completed, which could take up to 90 days. The charge is still computed into my statement balance and will likely be due prior to any credit irrespective of the fact that I had formally disputed the charge and that investigation is still pending. The person I was transferred to upon escalating this refused to do anything except take down an informal request for someone to call me back another day at an undetermined time. I believe the bank 's policy is non-compliant with the law and with industry norms, as well as purposefully designed to be as cumbersome, inflexible, and requiring constant monitoring follow-up action by the customer before the bank makes any effort to enforce its purchase protections to which the customer is contractually entitled on the logic that most people will opt to assume any losses themselves rather than claim for purchase protection and fraud protection where the bank risks taking the loss. This site alone has over a thousand similiar complaints against this unethical bank 's practices.
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| 01/31/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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According to Barclay associate, on XX/XX/XXXX at XXXX there was a fraudulent ATM cash advance of {$500.00} that occurred at the above address ( which points out to XXXX XXXX XXXX using my Barclay card with account ending XXXX. I did not personally or have authorized someone make ATM cash advance using this credit card. I was at a XXXX party at that time with coworkers and had the card with me all the time. I have not used the card since XX/XX/XXXX as the card has been paid in full.
The timeline relating to the incident were : XX/XX/XXXX approximately XXXX XXXX to XXXX XXXX, I was at home sleeping after a 16 hour shift. I live alone and nobody come to my apartment.
XX/XX/XXXX at approximately XXXX XXXX, I left my apartment to go to my coworker 's XXXX party.
XX/XX/XXXX at approximately XXXX XXXX, I arrived at the party.
XX/XX/XXXX at XXXX XXXX, Barclaycard Ring sent me an email ( which I only read on XX/XX/XXXX ) stating my Barclaycard ending in XXXX is now active and ready to use. This is not possible as that account have been active for a while since XX/XX/XXXX.
XX/XX/XXXX at XXXXXXXX XXXX Barclaycard Ring sent me an email ( which I only read on XX/XX/XXXX ) stating my PIN was changed on XX/XX/XXXX. It was only XX/XX/XXXX, How can I change a PIN in the future on XX/XX/XXXX? I did not authorize anybody nor myself to change a Barclaycard PIN in the last 6 months.
XX/XX/XXXX at XXXXXXXX XXXX Barclaycard Ring sent me an email ( which I read the next day, XX/XX/XXXX, which prompted me to report the fraud right away ) flagging my account for possible fraud.
XX/XX/XXXX at XXXXXXXX XXXX, an ATM cash advance was made using my Barclaycard according to Barclay customer service/fraud department . ( This information was made known to me when I called Barclay on XX/XX/XXXX ).
XX/XX/XXXX at XXXX XXXX, I read an email about possible fraud, logged to see my Barclay account ending in XXXX and found out there were multiple fraudulent transactions on XX/XX/XXXX from what I remember XXXX, ATM cash advance ( unknown ATM bank ), XXXX, and others amounting to $ XXXX. I immediately called Barclay to dispute this transaction as I have not made them nor authorize anybody to do them. After a few days, Barclay reversed everything and removed the fraudulent transactions. Barclay ordered a new card on XX/XX/XXXX with account ending in XXXX to be sent to me, which I immediately locked using Barclay app so no one can use it. I believe I received the replacement card ending in XXXX on XX/XX/XXXX and remained locked.
XX/XX/XXXX at XXXXXXXX XXXX, I read a Barclay email telling me to set up an automatic payment. Knowing I did not have any balance as paind my card in full a few months ago last year, I logged in to Barclays only to find out Barclay put the ATM cash advance of {$500.00} ( for XX/XX/XXXX ) and {$3.00} ATM fee ( XX/XX/XXXX ) back to my account.
XX/XX/XXXX at XXXXXXXX XXXX, I immediately called Barclay to get more information. However, I was told the transaction was valid and that my card was used. I explained to them how it was not possible due to the circumstances and without my authorization when the alleged ATM cash advance happened. I also discussed with them the emails they sent me about fraud and yet they failed to block the account to keep fraud from happening. I questioned them how they failed to alert me via text message as my account was set up to that. Also, Barclay failed to tell me the name of the ATM bank ( but address points to XXXX XXXX XXXX as they said they can not disclose that information.
I filled a police report to identify the suspect involved in withdrawing cash using my card, even though the card was with me during the incident and did not authorize anybody to use it. I believe that Barclay failed to protect my account even after the fact the account has been flagged for fraud.
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| 03/15/2016 |
Yes |
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- Customer service / Customer relations
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Web |
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My Barclaycard XXXX with XXXX Rewards was activated on XXXX XXXX. I was able to use my card without issues aside from a few false positive fraudulent activity alerts on my account but was able to clear up the holds with a phone call. There was actually a transaction where my card was declined and I had called in to Barclaycard to confirm I recognized the transactions, and was told to make the purchase again with assurance that this time it would go through. I was satisfied with the confidence the customer care representative had given me and the call ended there. I was preparing for a travel XXXX, so I did not actually attempt to make the purchase immediately after the call had ended, but rather a few days later. Unfortunately, it was declined yet again, and another false positive fraudulent activity alert was sent to me via email.
Setting this matter aside for the time being, I took my flight to the XXXX and about XXXX hours later I arrived. I had booked a taxi using an application called XXXX which I used for the first time ever and probably never will again due to an incident I had with the driver ordering us to get out of the vehicle after he had already picked us up. I had wondered if it was due to my card but since I had not received anything from Barclaycard and XXXX claiming that I had not been charged, I assumed that was n't the case. The next day, I did receive an email from Barclaycard on a possible fraudulent activity alert on a charge of a approximately {$2.00}. I called in to verify the transaction on the toll free intentional number and confirmed I had recognized the charges and informed her I was traveling. The customer care rep then removed the hold on the account, offered me to sign up for text notification alerts which I did and asked her if it was too late to place a travel notification on the account. She said she would go ahead and do that, and I believe she did try however upon doing so, she told me that she had to transfer me to another department who had then placed the security hold back on my account. Now they are telling me that I need to mail in documentation through XXXX mail to their XXXX in the United States before the hold can be removed and someone had even placed notes on the account claiming they had asked this of me long ago, and that the Barclaycard reps that removed the holds from my account several times prior to this, were all in error and were never supposed to have done that. Well that sounds extremely out of the ordinary to me and if any of the activity done on my account seemed anything close to possibly being fraudulent, it was n't on my end. I do realize that I should have placed a travel alert notification but I had forgot to mention earlier that after the possible fraudulent activity alert on the transaction that I was assured would go through, the travel notification online was no longer an option because of that alert. They 've now locked me out of my online account access, and though they have a toll free number on their site which states IN CASE OF EMERGENCY XXXX to call the number listed, after calling that number I was disappointed to see how poorly they treat their clients even though I had explained to them that I was XXXX and was counting on this card to be my backup funding source since it 's supposed to be safer than carrying cash around. I looked to their Complaint policy statement and called the number listed for submitting complaints but upon calling that it turned out to redirect my call to another department to deliberately prevent me from being able to complain about this to Barclaycard. As if this all is n't enough to complain about. I had read a few stories on XXXX of holiday nightmares due to credit card declines but nothing that could n't be resolved with a phone call to their card issuer. I am being deprived of a fair resolution.
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| 02/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I HAD A CREDIT FOR {$550.00} FROM FRONTIER AIRLINES THAT WAS GRANTED IN XX/XX/XXXX. I CALLED THEM EARLY IN XXXX TO CONFIRM THE CREDIT AND A REP INFORMED ME THAT MY CREDIT WAS GOOD TO BE SCHEDULED UP UNTIL XX/XX/XXXX BUT HAD TO BE USED PRIOR TO XX/XX/XXXX. I PUT A REMINDER ON MY PHONE AND IN MY PLANNER SO I DIDN'T FORGET SO I TRIED PLANNING MY TRIP TOWARDS THE END OF XXXX ; THE CODE : XXXX DID NOT WORK. I CALLED FRONTIER XXXX XXXXXXXX SPOKE TO CS AND THEN TO A SUPERVISER ID : XXXX WHO TOLD ME THEY'RE NOT ALLOWED TO REINSTATE THE CREDIT AND APOLOGIZE FOR THE MISCOMMUNICATION, THEN TRANSFERRED TO CUSTOMER RELATIONS XXXX AND ADVISED THE SAME. CR STATES THEY'RE THE HIGHEST AND FINAL ANSWER APOLOGIZE FOR THE PREVIOUS REP MISCOMMUNICATIONS AND SAID THERE'S NOTHING HE COULD DO AS THE CREDIT HAD TO BE USED BY THE BEGINNING O XX/XX/XXXX. I THINK IT'S UNFAIR TO ME AS THE CONSUMER AS {$550.00} IS HARD TO COME BY. THE REPS SUGGESTED THAT I JUST REBOOK A NEW RESERVATION AS IF I HAVE A MONEY FACTORY BUT IT'S NOT THAT EASY FOR ME AS IT MAY BE FOR THEM. I NEED MY MONEY REFUNDED BACK TO MY CREDIT CARD OR A IN A GIFT CARD SO I CAN BOOK IN THE FUTURE BUT I PREFER BACK TO MY CARD. I PAY MY CARD ON TIME AND I AM ALSO A MEMBER OF FRONTIER DISCOUNT DEN MBRSHP. I DON'T CARE ABOUT THE COST OF THEIR FARES, I LIKE TO BE TREATED RIGHT IN ALL SITUATIONS. NOT TO MENTION I BOOKED A FLIGHT WITH THEM ON XX/XX/XXXX AND SPENT ALMOST {$600.00}. THEY DIDN'T CONSIDER TO APPLY MY CREDITS AND IF I KNEW I HAD TO USE MY FLIGHTS EARLY IN THE MONTH I WOULD HAVE USED MY CREDITS FOR MY BOOKING THEN VS. WAITING TO USE IT TOWARDS THE END OF THE MONTH... THE ONLY REASON WHY ID DIDN'T USE THE CREDIT WHEN I BOOKED FROM XXXX XXXX XXXX ON XX/XX/XXXX WAS BECAUSE I WAS TRAVELING UNEXPECTEDLY FOR A FUNERAL. I WANTED TO KEEP THE CREDIT FOR A PROMISED TRIP TO XXXX THAT I HAD FOR MY DAUGHTER WHICH I HAD TO POSTPONE DUE TO FRONTIER NOT KEEPING THE COMMITMENT TO ME AS THEY AGREED. I SENT AN APPEAL TO BARCLAY AND WAS TOLD IF I COULD PROVE THAT I DIDN'T TAKE THE FLIGHT AS FRONTIER TOLD THEM THAT ME AND MY DAUGHTER TOOK THE FLIGHT, THEY STATED IF I HAD THE PROOF THAT I DIDN ; T TAKE THEY FLIGHT THEY WILL REVERSE THE AMOUNT AND CREDIT MY ACCOUNT I PROVIDED THEM ALL THE DETAILS AND BASICALLY WON MY APPEAL RIGHTS BUT THEN FRONTIER AIRLINES TOLD BARCLAY THAT DESPITE WHAT I SAY THEY SENT OUT INFORMATION STATING THAT THE CREDIT HAD TO BE USED IN A CERTAIN AMOUNT OF TIME. I DON'T RECALL THIS DETAIL BUT IF THAT IS TRUE AND IT COULD BE, THEY STILL SHOULD TAKE RESPONSIBILITY OF THEIR REPRESENTATIVE MISLEADING ME. I CAN NOT LOCATE INFORMATION AND/OR RECALL WHAT THE DETAILS OF AN AGREEMENT WAS WHICH IS WHY I CALLED THEM TO CONFIRM THE LENGTH OF TIME I HAD TO USE THE CREDIT. IT IS UNFAIR AND UNJUST TO ME A CONSUMER TO BE PENALIZED IN SUCH A MANNER. I HAVE SEVERAL ACCOUNTS WITH BARCLAY WHICH REMAIN IN GOOD STANDING BUT I THINK FRONTIER AND BARCLAY IS WORKING TOGETHER TO SCAM DECENT CONSUMERS LIKE ME WHEN THEY KNOW I'VE DONE MY PART TO PROVE MY DUE DILIGENCE. THEY NEED TO TAKE OWNERSHIP AND PROVIDE MY ACCOUNT A CREDIT AS IT'S RIGHTFULLY DUE AS I AM NOT RESPONSIBLE FOR THIS PAYMENT AS I DIDN'T TAKE THE FLIGHT AND THEY ALLOWED ME TO USE ADDITIONAL MONEY TO PURCHASE ADDITIONAL TICKETS KNOWING I HAD A CREDIT I CALL THAT STEALING!!!. I KNOW INTENTIONS OF USING THE CREDIT AND AS MY COMMITMENT TO MY DAUGHTER AND DIDN'T THINK I SHOULD HAVE UNTIL AFTER I BOOK BUT I DIDN'T CARE TO CALL THEM TO APPLY THEM AS I KNEW I HAD UP UNTIL XX/XX/XXXX TO USE THE CREDITS AND I HAD A TRIP TO BOOK WITH MY KID THAT I NEEDED TO BOOK SO I WAS COMMITTING OUR FLIGHT TO FRONTIER TO USE THE CREDIT THAT I KNEW WAS AVAILABLE TO ME ONLY TO BE HUMILIATED AND DISAPPOINTED BY THEIR TEAM. PLEASE ASSIST WITH GETTING ME MY REFUND FROM THIS VERY UNPROFESSIONAL TEAM AS EVERY TIME I CALL THEY DISMISS ME. MY PHONE : XXXX
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| 03/30/2016 |
Yes |
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Web |
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At Issue : My Barclays USA XXXX Platinum Credit Card : Barclay 's unwillingness to provide a detailed, factual and supportable reason for declining to reduce my APR on my card. I requested an interest APR reduction rate today XXXX/XXXX/2016 on my credit card. Barclay 's declined without providing a detailed, supportable or factual explanation for the decline. Currently the rate is XXXX. Barclay 's competitors, XXXX, XXXX, XXXX, XXXX, XXXX all have reduced my rate upon request down to 14-15 % APR variable based on prime rate. I have an eleven year flawless payment history with Barclay on my XXXX Credit Card. I am have always been in good standing with Barclays. I have a significant salary, flawless credit payment history with all creditors, no bankruptcies, no tax liens, no derrogatories, no late payments ever on with any creditor, nothing but pure responsibility with my more than 35 year credit history. I do, however, utilize my available credit at more than XXXX %. My credit utilization has not deterred other competitors of Barclay 's from reducing my rate based upon customer loyalty, tenure, excellent and flawless payment history etc. The questions is why is Barclay 's secretive about the factual reason for not honoring my request for a reduced interest rate. Given all the fraud Barclay 's has engaged and been fined for lately. It is difficult to understand Barclay 's position. Given my credit history performance, I am a much more creditable and credit worthy person than Barclay 's own risky performance. Yet, Barclay 's has NO factual explanation to provide me from its credit analyst 's Supervisor- XXXX XXXX other than " No lower Interest Rate is available ''. No detailed reasons why is available to me or their XXXX XXXX. The Analyst states " he can not offer what is not available '' based upon whatever proprietary digital tool they use to evaluate offers. I escalated as high as I could go to receive a detailed explanation. There is NO one available to speak with me or can answer the question. Why is Barclay 's refusing to reduce the interest rate as requested? Simply no explanation, or information is available to the Barclay 's Analyst, and consequently no information is available to me. Since the only negative is my credit utilization is high, it does n't make sense that no transparent reason is given for declining the interest rate reduction. Especially since other banks do not consider the credit utilization a deterrent from reducing my rate to 14-15 %. I am requesting that a detailed explanation be provided along with the evaluation criteria be transparent to me and consumers. I would like CFPB to obtain the answers, look into the practice, and investigate Barclay 's for discrimination based on race and demographics. As there is no reasonable explanation for Barclay 's decline for the interest rate reduction based upon my credit history. I am inclined to believe that an investigation should be pursued on whether Barclay is making consumers pay for its fraudulent activities and fines by failing to offer certain ethnic consumers interest rate reductions. Further, I believe there in an inherent unfairness to judging people and their credit risk solely based upon credit utilization. This practice unfairly and disproportionately disadvantages minorities, particularly XXXX. I further request this practice of harshly lowering credit scores by XXXX % for credit utilization for all consumers and especially for certain ethnicities ( XXXX ) be investigated as a systemic cause for denial of credit. While, I understand the bank has no obligation to reduce the APR rates upon request. I do however believe a detailed, transparent and factual explanation should be provided instead of a generic answer such as " No Interest rate reduction is available. '' to all consumers and in particular me on this issue.
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| 12/22/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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Unknown suspect gained access to my personal information, then proceeded to make transactions on my Barclaycard. Between XX/XX/XXXX and XX/XX/XXXX, the culprit was able to charge several thousands dollars to my account and all were determined fraudulent by Barclaycard. XXXX charge for {$2200.00} was charged to my account on XX/XX/XXXX. I was not in my home state when the fraud occurred, but according to the merchant, the charge came from my home state.
On XX/XX/XXXX I was told I needed to send in a police report. I sent in a report, the charge was removed from my account, and I received a letter on XX/XX/XXXX stating Barclay had found the {$2200.00} charge to be fraudulent.
The charge was placed back on my account several weeks later. I recorded every Barclay phone call I made, and I have on record an XXXX stating Barclay did not accept handwritten police reports, and that I had sent in an " incident report '', which is why the charge was returned to my account. In PA an incident report is a police report. I was told I would have to obtain a " typed police report '' in order for the fraud claim to be approved. I sent in a typed investigation summary provided by the police. The charge was then removed from my account. Several days later the charge was returned to my account, and I was told that the report was invalid since it did not name Barclay as a compromised account. I explained to the XXXX assigned to my account that as I was dealing with identity theft, I had already filed a report for another card, but that the police had my Barclaycard bank statements and were waiting for any information Barclay could provide to aid in their investigation. I was told Barclay would n't contact the police until they received a typed report with itemized detailing of each fraudulent transaction. The police department refused to itemize or type as it is not their procedure, but include a summary of the total amount of related fraudulent transactions. I then had to purchase a copy of my new report and while waiting for it to arrive by mail, I called to request whatever information from the merchants Barclaycard had used to determine my fraud case. I have on record that the XXXX did not feel he needed any information from the merchants, and that he based his decision on my account history and the police report I sent in. I then contacted the merchant to see if I could obtain a signature, XXXX address or anything to give to the detective since Barclay would not immediately aid the police. The merchant said only my creditor could request this, but they did inform me the merchandise was purchased and signed for on a day when I can prove I was not in my home state and had no way of signing my name on any package. It also was not possible for anything to have been delivered to my billing address, which meant the package was delivered to a different address ( possibly the culprit 's ). I thought this was useful information but according to a phone call made on XX/XX/XXXX, the XXXX made no effort to follow up on this.
I sent in a XXXX of XXXX and a Statement of XXXX, but I have the XXXX stating on record that someone compromising my account is not considered identity theft, and Barclay will not treat it as such. The XXXX also stated, " The bank wants an arrest in order to hold someone liable '', however his refusal to thoroughly investigate or request a simple signature makes me skeptical of this. I have made every effort to assist the police in finding the culprit, but the XXXX refused to contact the police and is holding me liable for a transaction I did not authorize or benefit from. I want nothing more than for the culprit to be arrested and held liable for every penny they stole from me, the bank, and the merchants, and any information Barclaycard could provide XXXX be helpful toward catching who did this.
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| 04/01/2016 |
Yes |
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Web |
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Date : XXXX XXXX, 2016 Re : Barclays Credit Card # XXXX On XXXX XXXX, 2016, I used convenient check # XXXX, issued by Barclays credit card, payable through Barclays Bank Delaware to transfer a balance from XXXX credit card # XXXX. I send check # XXXX, in the amount of {$6400.00} on XXXX XXXX, 2016 to XXXX XXXX XXXX. XXXX credit card tried to cash check # XXXX twice on XXXX XXXX, 2016 and XXXX XXXX, 2016. Check # XXXX, was returned to XXXX Credit card uncashed for insufficient funds ( NSF ) reason.
On XXXX XXXX, 2016, I had a conference call with Barclays credit card account manager and XXXX credit card account manager, during the conference call, XXXX credit card account manager confirmed to Barclays credit card account manager that check # XXXX was returned twice uncashed due to NSF. Barclays credit card account manager told me that he will open a special internal case about this check, and he will credit my account for {$64.00} convenient check # XXXX balance transfer fee ( XXXX % of {$6400.00} ), I should hear from Barclays within 7 to 10 business days. I did not hear anything from Barclays credit card as of the date of this letter.
On XXXX XXXX, 2016, I called Barclays credit card account manager to ask about the result of the case, which was open on XXXX XXXX, 2016, he said that the case still under investigation.
On XXXX XXXX, 2016, I called Barclays credit card account manager ; XXXX, ID # XXXX, located in Nevada, asked him to send me and XXXX Credit Card a proof of payment for check # XXXX, as of the date of this letter nothing was sent to me and/or XXXX Credit Card. XXXX said the previous case was not set up properly and he opens new case # XXXX, XXXX said that the case was escalated and I should hear from Barclays within 7 to 10 business days. I did not hear anything from Barclays credit card as of the date of this letter.
On XXXX XXXX, 2016, I called Barclays credit card account manager ; XXXX, ID # XXXX, located in Nevada, asked him to send me and XXXX Credit Card a proof of payment for check # XXXX, as of the date of this letter nothing was sent to me and/or XXXX Credit Card. XXXX said that the previous case was not set up properly and he will escalate case # XXXX. XXXX said that I should hear from Barclays within 7 to 10 business days. I did not hear anything from Barclays credit card as of the date of this letter.
On XXXX XXXX, 2016, I called Barclays credit card account manager ; XXXX, ID # XXXX, I asked her about the status of the case, XXXX said that nothing has been done and she will escalate the case to her own manager and I should hear from her on XXXX XXXX, 2016. On XXXX XXXX, 2016, no one contacted me from Barclays credit card to let me know the status of case # XXXX.
On XXXX XXXX, 2016, I called Barclays credit card account manager ; XXXX XXXX ( XXXX ), ID # XXXX to ask about the status of my case # XXXX. XXXX said that case # XXXX was not set up properly and he opens new case # XXXX, he promised me to resolve this matter before XXXX XXXX, 2016, which is the due date of my monthly payment to Barclays credit card. XXXX also advised me not to pay my minimum monthly payment to Barclays, which is due on XXXX XXXX, 2016, until this case is resolved. As of the date of this letter, I did n't hear anything from Barclays credit card.
On XXXX XXXX, 2016, I made a payment to Barclays credit card for {$64.00} ( minimum payment due to Barclays credit card ). Since checks # XXXX was NEVER CASHED by XXXX credit card, Barclays never provide any proof of payment for check # XXXX, and all responses from Barclays account managers were fraudulent, I am asking Barclays credit card to give me a credit of {$6400.00} to my account # XXXX immediately.
I strongly believe that this credit card company and Barclays Bank Delaware are in the business of defrauding customers and threat
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| 09/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
Older American |
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Barclays promotes their XXXX XXXX XXXX as a travel credit card. You earn miles with purchases and can use the miles for a travel credit for travel related purchases. You have 120 days to redeem your miles for travel related charges. Barclays allow you, for example, to cash in XXXX miles for a {$100.00} travel credit for that travel related purchase.
XX/XX/XXXX - Charged {$1000.00} at XXXX XXXX which qualifies as a travel related purchase. I would have until XX/XX/XXXX to apply miles for a travel credit.
XX/XX/XXXX ( XXXX ) ( 11 days left to redeem miles ) - tried to redeem miles online and got the following error : " Errors Found. Please see details below. Please enter a valid value. '' I was trying to redeem XXXX miles for a {$300.00} travel statement credit. I called Barclays customer service. The agent tried to process my redemption for me and got the same error. She placed me on hold, then came back and said " We are doing system maintenance and to try in an hour and it should work. '' ( XXXX ) - tried to redeem miles online and got the same error. Called customer service again. Agent tried, got the same error. Then stated she would open a ticket for the issue.
XX/XX/XXXX ( 10 days left to redeem miles ) - tried to redeem miles online and got the same error.
XX/XX/XXXX ( 9 days left to redeem miles ) - tried to redeem miles online and got the same error.
XX/XX/XXXX ( 8 days left to redeem miles ) - tried to redeem miles online and got the same error. Called customer service. The agent tried to process my redemption for me and got the same error. Asked to speak to a supervisor. Was connected to supervisor named XXXX XXXX refused last name ). He tried to redeem my miles for me and got the same error. He said he would open a Case File for this issue. Case ID # XXXX.
XX/XX/XXXX ( 7 days left to redeem miles ) - tried to redeem miles online and got the same error.
XX/XX/XXXX ( 6 days left to redeem miles ) - tried to redeem miles online and got the same error.
XX/XX/XXXX ( 5 days left to redeem miles ) - tried to redeem miles online and got the same error.
XX/XX/XXXX ( 4 days left to redeem miles ) - tried to redeem miles online and got the same error. Called customer service, asked to speak with a supervisor. Connected to a supervisor named XXXX. She tried to redeem my miles and got the same error. Asked her about the Case File XXXX that was opened on XX/XX/XXXX. She said they closed that because they said everything was working fine. She tried again to redeem my miles and got the same error. She said she would open an Incident Ticket for this issue. When I requested the Incident Ticket number, she stated " this is an internal ticket and we do not share this with customers.
XX/XX/XXXX ( 3 days left to redeem miles ) - tried to redeem miles online and got the same error.
XX/XX/XXXX ( 2 days left to redeem miles ) - tried to redeem miles online and got the same error.
XX/XX/XXXX ( 1 days left to redeem miles ) - tried to redeem miles online and got the same error. Called customer service and asked to speak to a supervisor. After getting transferred to XXXX other customer agents, I finally got transferred to a supervisor named XXXX. She tried twice to redeem my miles and got the same error. When I asked her about the resolution of the Incident Ticket opened on XX/XX/XXXX by XXXX, she stated there was no Incident Tickets opened on my account by anyone. XXXX, after trying XXXX more time and getting the same error, opened up another XXXX XXXX, ID XXXX and and XXXX XXXX # XXXX. She said there was no policy against giving customers this info.
XX/XX/XXXX - I am no longer able to select my XX/XX/XXXX charge at XXXX to redeem miles as the timeframe has expired. Due to Barclays ineptness and failure to respond and act, they have denied me {$300.00} due as travel credit.
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| 09/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am submitting this complaint directly to you because CFPB has direct oversight over the Credit Reporting Agencies. XXXX, XXXX, and XXXX have allowed a charged-off account scheduled for automatic removal XX/XX/XXXX to remain on my credit report past the 7-year deadline governed by FCRA 605. Barclays Bank Delaware unlawfully re-aged this charged-off account # XXXXxxxx to estimated month and year of XX/XX/XXXX.
This debt is from my XXXX XXXX XXXX Credit Card Number XXXX XXXX XXXX XXXX, opened XXXX, expiration date XX/XX/XXXX. The charged-off and closed date of the account is documented on my credit report as XX/XX/XXXX. I am aware that XXXX as the original creditor does not appear once the account is charged-off and closed because the debt was sold to a collection agency. Barclays Bank Delaware is the new debt owner. I made some payments to Barclays. This payment activity does not constitute a new debt and change the original charge-off date by the original lender. It is incontestably a continuation of the original debt. Federal law requires collection agencies to carry over the original delinquency date so that any collection account is deleted at the same time of the 7-year period charged-off account. It is a violation of law for a collection agency to report and treat a charged-off and closed account as newer. Barclays added a second charge off date of XX/XX/XXXX to make the charge-off appear more recent. In XXXX, I disputed this information with XXXX via phone, stating Barclays intentional re-aging this account and referred to the original creditors charged-off date of XX/XX/XXXX listed on my credit report. XXXX contacted Barclays and Barclays verified the information. I made an additional call back to XXXX to rebut the verified information and again referred to the original charge-off date of XX/XX/XXXX. XXXX advised me that only the creditor could remove this from my report. FCRA 605 holds the Credit Reporting Agencies and the creditors responsible for complying with the law, but that law has been defiled. I do not intend to engage more of my time with the other two reporting agencies while my credit report continues to be damaged, knowing my efforts would generate the same result as with XXXX. I do not intend to engage any time with Barclays Bank Delaware because of the they have recertified outright deceptive information as of XX/XX/XXXX. Further, Barclays Bank Delaware is reporting a second charged off date of XX/XX/XXXX. This malicious, illegal reporting has caused me immeasurable injury.
American consumers deserve to be protected by the FCRA 605 law, and should not have to deal with the irresponsible reporting concomitant with automatic removal of charged-off and closed accounts. Creditors should be prohibited from submitting re-aged information to the CRAs that extends the 7-year period. Per FCRA 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( c ) Running of Reporting Period ( 1 ) In general.The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
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| 09/09/2015 |
Yes |
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Web |
Older American |
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In XXXX 2015 I started to write to a girl in XXXX, that I met thru an on line dating site. I am retired for a yr and tired of being alone. I sent her some cash using XXXX XXXX or XXXX in XXXX and XXXX for her to get documents and be ready to move XXXX. In our daily letters she mentioned early on that her dad was deceased for XXXX yrs.
In XXXX she asked me to help with an issue, the story was that her deceased dad 's long lost business partner was here, XXXX, and wanted to send to her cash for her elderly mom to live on there XXXX. She asked me to contact this fellow XXXX and to work with him. The guys name was XXXX XXXX. We connected via phone and e mail many times-he asked me to use my charge card accounts to take balance transfers, put that cash into my checking account and to wire that cash to the family XXXX specifically the 'uncle ' of my 'friend ' XXXX, and the younger brother of her mom. He said he wanted to repay my charge accounts using direct electronic deposits from his business account, that they would be business expenses on his records.
As he would the next day or 2 after my taking the balance transfers repay my accounts, including the related balance transfer fees, I could check and see the repayment had been made by calling the bank before wiring the funds XXXX. This seemed odd to me, but I was anxious to help my friend and utterly safe to me financially. I had earned an excellent credit history over the years by never being late, and never charging more than I could readily repay.
I had already received from l l Bean- Barclays a sheet of 'convenience checks ' to use as balance transfers. I used the XXXX, number XXXX on XXXX. Then on XXXX I wrote out incorrectly # XXXX it did not process. I did use on XXXX # XXXX. When I called and asked for more checks, the person at the bank advised me to just do balance transfers, that they were the " same thing as the checks ''. Shortly after I would call back to Barclays and I always stated that the previous transfer was to have been paid by a 3rd party and asked that it be checked that the transfer and fee had been paid. When the Barclay agent verified the last transfer was paid already I felt entirely safe to take another transfer ( or write another check ) as well as to send XXXX the collected funds.
By this means Barclays enabled me to send XXXX {$13000.00} XXXX times and then $ XXXX the XXXX {$9500.00} drawn in XXXX XXXX I still am holding in an account here. All thru XXXX and early XXXX I felt I was being the greatest possible friend to these people, I had no clue this was a scam until I received a letter in mid XXXX that the payments to my cards had all failed, and that I was therefore in debt for this tremendous amount. I also found then that the supposed payments from XXXX XXXX business were instead done by him calling in to the bank CLAIMING TO BE ME, and using some fake account to repay the charges.
Again, as I had said each time that the payments were made by a 3rd party, if the Barclay employee had noted they were made by " me '' this could have been averted. Why would I need to ask if my own payment was made?
I contacted the Barclay fraud department, to dispute the XXXX XXXX transfers, they stated as I had supplied my account no. to XXXX XXXX XXXX there was no fraud and that I was wholly responsible. My identity had been used to make fake payments each time, I now owed XXXX my maximum limit. I also requested they separate the last {$9500.00} and to treat it as a loan I would repay at the rate of $ XXXX ( I now I have the whole {$9500.00} plus {$500.00} fee/ $ XXXX set aside-I sold an old boat in XXXX XXXX during the following year. They refused to separate the bills and I was advised that to pay any amount would imply I was admitting to be legally responsible for the whole debt. They also told me then
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| 10/12/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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On XX/XX/2019 I submitted an online application for a Barclays credit card account. On the spot I got : ( 1 ) a hard inquiry placed on my XXXX credit report ( 2 ) a message on the screen from Barclays stating they needed more informaiton from me to further review / process my application.
I then called in Barclays Credit Card Services and got XXXX on the line, who : ( 1 ) verified my information, ( 2 ) then asked me a lot of questions about my business, ( 3 ) placed me on hold and took a look at my credit to make a decision She then went back to the line and advised me that everything looked great on my credit report but that as I had the same product in the last 24 months, she could not approve my application. She advised me it was a hard policy in place at Barclays and that she could not do anything to overturn it.
I advised her I did not know anything about such a hard policy and that, if it did exist, my credit should have not been pulled and all the time spent on calling in, answering business questions and waiting on hold for her to review my application could have been avoided.
After all, if such a hard policy is in place, why was I pulled on the spot my credit report? Barclays ' system should have found that I had the product in the last 24 months and spare me the inconvenience and hard pull.
I explained to her how my situation had changed and why I was applying for the same product : I had been recently awarded with two international projects and anticipated a lot of travel on XXXX XXXX so it made sense for me to apply for the product and keep my accounting separate for my expenses for international clients as well.
She would not budge and then I kindly requested to speak with her supervisor.
XXXX, operator ID XXXX, got on the line. I explained to him the situation and he reconfirmed that because I had the same product in the last 24 months he would not be able to approve my application.
I then complained to him about all the inconvenience I had to go through. If they had hardcoded in their system to deny me because I had the same product in the last 24 months, I should have been declined on the spot and my credit report should have not been pulled.
The inconvenience was greater because as I was not declined, I spent time calling in, answering business questions, when Barclays and their underwriting system seemed to had hardcoded from the beginning to decline me based on this unheard 24-month-same-product ineligibility policy.
I then kindly requested him to have at least the hard inquiry placed on my XXXX credit report removed as my application should have not been even processed by them as their system would decline me automatically based on the aforementioned 24-month-same-product ineligibiliy policy.
He apologized for the inconvenience but refused to remove my hard inquiry.
I do not think this is fair. If Barclays has such a hard policy in place it should be embedded on their system and not pull customers ' credit reports uselessly.
At least this is done by other financial institutions such as XXXX or XXXX XXXX XXXX whose systems do not pull customers ' credit reports if they find an ineligibilty hard policy in place on their end for the product that the customer applied for such as the one described by Barclays.
My credit report should have never been pulled and all the inconvenience I went through should have been spared.
I then kindly request to have this hard credit inquiry removed as my application should have never been processed based on Barclays ' said and unpublished 24-month-same-product ineligibility hard policy. Also, all the time spent on the call answering business questions should have been spared if, as acknowledged by XXXX and XXXX, there was no credit reason to decline me, just the aforementioned hard policy.
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| 11/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I tried to resolve this credit issue with Barclays Bank Delaware but to no avail.Unauthorized Administration of XXXX XXXX, Estate [ XXXX ].
KNOW MEN BY THESE PRESENTS : I- XXXX XXXX XXXX am an Original XXXX XXXX XXXX XXXX from XXXX a Walking, Talking, Independent XXXX LIVING on the land of Republic America with righteous acknowledgment, Reclaiming in Glorious and Proper Capacity his Esteemed Honorable place as occupant of the EXECUTOR Office of XXXX XXXX XXXX Estate.
Pursuant to section 609 ( a ) of the FAIR CREDIT REPORTING ACT ( FCRA ) I, The Executrix Office is respectfully demand and/or or request that I be furnished with a copy of any and all applications, contracts, documentation and/or information within XXXX XXXX credit file used to determine verification of each account being reported and that pursuant to 609 ( c ) ( 1 ) ( A ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) a summary of rights to be included with your disclosure for inspection and examination of the above referenced account. Please note : that Consumer is in compliance with 610 ( a ) ( 1 ) of the FAIR CREDIT REPORTING ACT ( FCRA ). XXXX XXXX as the rightful occupant of the Executor, Office of the aforementioned Estate, which is a beneficial estate for XXXX XXXX, Estate [ XXXX ].
These unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the Original Account-Level Documentation means : a ) Any documentation that a Creditor, or that Creditors agent ( such as a servicer ) provide to a Consumer about a Debt ; or b ) A complete transactional history of a Debt created by a Creditor, or that Creditors agent ( such as a servicer ) ; or c ) A copy of a judgment, awarded to a Creditor The Credit Bureaus must ensure and validate that the Creditors documentation on file is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
According to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, by and through, the physical verification of the genuine original wet ink signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof, in the form of a certified copy of my genuine original Consumer Contract with my Signature on same ( see Uniform Commercial Code 3-308. PROOF OF SIGNATURES ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, perhaps rising to misfeasance, which is defined in pertinent part as, The performance of a duty or act which one ought or has a right to do, but in a manner such as to infringe upon the rights of others, and/or malfeasance. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a certified, true, correct, complete and not meant to mislead copy of verifiable proof, you must remove the accounts listed below.
Even though the law requires the credit reporting agencies to verify every account on consumer credit report before reporting on consumers credit file. In fact the lender never, ever, ever, sends the credit applications, signed contracts or any documents whatsoever before they report the items on consumer credit report to All credit bureaus. The CRA accept any and all credit items that a creditor sends to them electronically. They accept these credit items as true and correct and belonging to the consumer. The CRA simply place the information on consumer credit file with NO VERIFICATION. Provide proof of verification!! Please include the Original Account-level documentation.
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| 05/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX, I made a purchase in the amount of {$160.00} using my Barclay credit card ending in XXXX. On XX/XX/XXXX, I returned a total of {$140.00} of that purchase ; however, the merchant failed to issue a credit back to the source payment. In XX/XX/XXXX, I initiated a proper billing dispute with Barclay, which was assigned Case ID : XXXX.
On XX/XX/XXXX, I received correspondence from Barclay dated XX/XX/XXXX. In that correspondence, it stated that Barclay was unable to continue pursuing the claim with the merchant because Barclay was unable to contact me on XX/XX/XXXX, and XX/XX/XXXX. Barclay further stated that if I disagreed with the merchants response and would like to reassert the claim, that I should send a signed and dated letter and provide a copy of the invoice/contract.
By letter dated XX/XX/XXXX, I acknowledge receipt of Barclay 's correspondence and requested that the dispute be reopened. Specifically, I noted that a copy of the invoice/sales draft was uploaded to the billing dispute portal at the time the dispute was opened. I also enclosed a copy of the original invoice/sales draft with the XX/XX/XXXX correspondence. Attached is a copy of this correspondence.
I then explained in that correspondence that " The merchant agree in its response that the items that were purchased on the card ending in XXXX were returned but the merchant incorrectly states that it issued a refund. '' I pointed out that " The original purchase was for {$160.00} and a total of {$140.00} was returned. There has been no refund received from this merchant that has been applied to the card ending in XXXX for the return. '' Further, it was noted that " The original purchase was not made on a card ending in XXXX. Rather, the original purchase was made with the card that ends in XXXX, and that is where any refund should have been applied. '' At bottom, the merchant never issued a credit back to the source payment, which was the Barclay card ending in XXXX.
On XX/XX/XXXX, more than 90-days after the dispute was initially opened in XX/XX/XXXX, a phone number ( XXXX ) XXXX appeared on my caller ID that purportedly belong to Barclay 's XXXX dispute. There were no messages left by the caller from that number. I attempted to call the number back but received a recording that it was used only for outbound calling and could not accept incoming calls. I then spoke with customer service and was advised that the dispute was closed because the caller from Barclay 's back-office, who never left a message, could not reach me, and that I would have to write again to have the case reopened.
The manner in which Barclay handles billing disputes appears to violate the Fair Credit Billing Act, which requires that " Within the 90 days, the credit issuer must either remedy the situation or send a letter to the consumer explaining why there was no error. '' This billing dispute was initiated in XX/XX/XXXX, more than 150 days ago, and Barclay has not remedied the situation. As such, I reserve the right to initiate a civil lawsuit against the Bank for its billing dispute practices.
In addition, a merchant is required to issue a credit back to the source payment, and Barclay has been laxed in allowing merchants to benefit from this improper billing method, and that may also form a basis for an appropriate action against the Bank.
On Monday, XX/XX/XXXX, at XXXX AM, before drafting and filing this complaint, I attempted unsuccessful to reach Barclay 's executive office on XXXX ; however, I was unable to reach anyone. This, of course, will be the last complaint submitted to CFPB in an attempt to resolve a billing dispute with Barclay- the next avenue will be to initiate litigation and pursue a claim and seek damages in an appropriate federal court for violation of the Fair Credit Billing Act.
|
| 09/18/2015 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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Friday XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXXXXXXXXXX XXXX XXXX ) XXXX Financial Protection BureauXXXX-XXXX-XXXXRE : Complaint against Barclaycard XXXX Credit Card XXXX ) XXXX XXXX XXXX XXXX, DE 1XXXXTo whom this may concern, I am writing and requesting a formal complaint/investigation after several direct correspondences ' and voiced concerns to/with Barclaycard, which have gone un-resolved as I am now/currently receiving harassing phone calls by their company regarding payment on XXXX of my XXXX Barclaycard credit cards.
Specifically the account that did end in XXXX ; now ending in XXXX.
I had called Barclaycard Customer service over a year ago, although I 'm not sure the exact date, I could locate via phone records if need be, and I spoke with a Customer service representative and told her that I had lost/could n't find my credit card.
The Customer service representative then placed my card on hold, XXXX For quite some time XXXX to prevent fraud activity, until I could find/locate this card.
I had forgotten about it and at some point I believe around XXXX I needed to utilize my credit card for purchases and called Barclaycard again, in Which I contacted them XX/XX/XXXX once again telling the representatives I could not find nor locate this card ( Ending XXXX XXXX and requested a new card be issued.
Barclaycard then re-issued/Issued the same exact Card/Account numbers, instead of issuing a new account number to prevent fraudulent activity if in the event someone had picked up the previous XXXX I lost.
Having a hectic schedule, I 'll be honest that I have n't paid attention nor reviewed my statements and forgot about the incident/ lost card.
Until recently, when I had seen my recent statement and an unauthorized charge, as I immediately called Barclaycard Customer service and informed her about it, this representative immediately shut down my account and issued me a new card ( XXXX XXXX and stated she would place a dispute on that charge, At this time while on the phone with this representative is when I had remembered the previous issues and loss of card a year prior, and I then stated I needed to review all of my transactions/statements over the past year/year and a half. The representative told me I could go online and review the statements and call them back if I find additional charges/activity.
I then went online and pulled my statements, which only allowed me back I believe to XX/XX/XXXX as I began going through each statement I began seeing numerous charges, including mylife, mylife people, " XXXX '' " Foreign Transaction Fees '' some for XXXX then XXXX or XXXX more small charges accompanying it, as I began extremely upset and called Barclaycard back that day and requested someone to go through these statements with myself and dispute these charges/statements, I told the representative that I had called over a year ago and told the representative I lost my card, and instead of issuing a new card with a new number they sent me the same exact card/numbers, I told her I had just called and spoke with a representative after seeing this recent statement and now I am online and I 'm furious, I said these " Fees/Charges and Interest I 've been paying for a year as well on charges that I did n't make to begin with when I called your Representative and told them I lost this card and Needed a new one, they just turned off my account then re-opened it and sent a " New/Same '' card, not at all taking any security measures/precautions and now I am and have been paying for it. " I asked this representative to please have someone call myself the following day, which no one ever did, as I told her I was not paying the " {$100.00} '' minimum payment that was due/scheduled for that coming Friday until I spoke with someone and they fixed t
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| 10/01/2016 |
Yes |
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Web |
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I would like to bring it to your urgent attention that credit charge of XXXX dollars on XXXX XXXX, 2016 is subjected to thorough investigation based on conflicting and unfair investigation done by Barclay credit card company here in after referred as 'BARCLAY ' related to a serious violation of consumer rights and fraudulent activity by the business owner, XXXX , here in after referred to as XXXX ' ( CFPB complaint number : XXXX with additional as exhibits A-C ). A civil law suit ( case number : GV XXXX ) has been filed against XXXX on XXXX/XXXX/16 ( Exhibit D ). Despite the matter being in the court, XXXX representatives continued to call us to collect money by fraudulent ways and coercing us to pay with escalating payment notices ( Exhibit XXXX ).
1 ) BARCLAY was immediately informed about this fraudulent activity after a cancellation letter was sent to XXXX on XXXX XXXX 2016 as BARCLAY XXXX RESORTS credit card ending ... XXXX was used to pay XXXX dollars on XXXX XXXX 2016.
2 ) I spoke extensively with BARCLAY Disputes department by making regular calls and providing written information in reasonable time frame and then this case was abruptly closed due to lack of sufficient information provided to BARCLAY.
3 ) I had to re-dispute the case with BARCLAY and provided them multiple additional evidences to support the investigation.
4 ) Due to BARCLAY 's tardy response, I had to finally make a request to speak to a Manager ( operator ID : XXXX ) at BARCLAY on XXXX XXXX, 2016. She had a thorough and extensive knowledge of XXXX sales contract and clearly expressed that it was my responsibility to cancel the contract with XXXX within 6 days. She seemed to have little or no clue about evidences provided by me and asked me if XXXX was ever contacted to obtain online membership login and password for timely access to rightful information for us to cancel the contract. BARCLAY was already provided with this information ( Exhibit B ).
5 ) On XXXX XXXX, 2016, I contacted BARCLAY representative ( Operator ID : XXXX ) from Fraud investigations team. Prior to me providing her any significant details about this matter, she appropriately checked my information provided in the database and asked me if I ever used a suffix with my name. She became increasingly concerned with my reply being no and me never providing any such information to an authorized agent. After confirming my identity, she immediately told me that my card ending ... XXXX was being cancelled and BARCLAY will get in touch with me for investigation purposes.
6 ) A new card ending ... XXXX with XXXX balance ( as confirmed per email dated XXXX see Exhibit F ) was sent to me that I have never activated. I was never informed of any potential liability on my new credit card during my conversation on XXXX XXXX, 2016. I never received any communication from BARCLAY as a follow-up to my conversation on XXXX XXXX, 2016.
7 ) Subsequently, I received a letter on XXXX/XXXX/2016 ( Exhibit G ) from BARCLAY for billing period ( XXXX XXXX/XXXX/16 ) stating that payment due on my new credit card ending ... XXXX was XXXX dollars and I had to make payment by XXXX XXXX, 2016.
8 ) I immediately called BARCLAY and spoke to a representative who addressed XXXX as a 'BUSINESS PARTNER ' and then spoke to another representative ( Operator ID : XXXX ) on XXXX/XXXX/16 who refused to give me a clear reason as to why my credit card ending ... XXXX was cancelled on XXXX/XXXX/16 since 'he was not there '.
I urge Consumer Financial Protection Bureau to safeguard my consumer rights and consider an independent third party inquiry in to the BARCLAY credit card dispute related to fraudulent activity by XXXX due to potential conflict of interest and unfair/conflicting investigation done by BARCLAY so far.
Enclosures- Exhibits A-G
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| 04/15/2015 |
Yes |
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Web |
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While visiting the XXXX XXXX with a friend, we were approached by a man in a hotel uniform about getting a free breakfast and tickets to use on the XXXX XXXX in return for attending a short seminar about the hotel. The man, XXXX, gave us an application that asked if we had attended before, our income, and age. XXXX, told us to put an income of {$75000.00} so we would be eligible and that in the end it would costs us nothing. XXXX led us to their office and introduced us to XXXX and " XXXX '' ( his middle name ). The gave us breakfast in XXXX room, then showed us a video about travel, hotels, etc an a different room. XXXX then took us to her desk and gave us some papers to fill out with our names, date of birth, and asked to see our IDs again. This man XXXX came next and said all of this was very affordable to vacation with their company. We XXXX said we did n't have jobs. I told them I volunteer for XXXX. XXXX and XXXX came and went. XXXX wrote some numbers on a paper and I was lead to believe it was affordable. He said he would run a credit check to see if an ever lower price was available. XXXX came back and said yes and offered me a free 7 day vacation stay, as well as, extra travel points at no cost. A different came out with sparkling cider, took out photo, and saying things like, " Congratulations! '' I thought I had won something. My friend, XXXX, said he really wanted and needed a job ; I commented that I needed XXXX too, as I 'm only a volunteer and am on XXXX. They said they would hire him and took his information at this point. XXXX took us to another room with XXXX and a different young man. I told them XXXX I did n't understand completely. XXXX said it was simple and I asked how much it cost and she pointed to paper but did n't not explain it and did n't give me time to read the big pile of papers before me. She said things like you sign this because you are getting a resource guide, or initial here and it means you got the folder.
XXXX and I mentioned many times that I did n't have a job and am a volunteer for the XXXX not a worker. They said it was so inexpensive and would put it on a credit card that I was approved for but I told them I did n't want to join if I could n't afford it or use a credit card that I knew I could not pay. I emphasized that I am XXXX, on limited income, and take medication but assured me I could pay it and enjoy an nice vacation. Upon my arrival, I spoke with my boyfriend XXXX who saw I was very upset and confused about what had occurred. XXXX also explained how XXXX misled us and how I kept saying I did n't have work or money either. XXXX looked at the papers and saw a credit card was opened in my name and charged the card over {$17000.00}. I did not authorize them to open a credit card account, only to check my credit. Now, I am fearful my credit will be affected because I ca n't afford any of this on my social security XXXX income. I feel that they took full advantage of my XXXX after telling them numerous times I was in financial hardship from dental bills. I feel my friend XXXX was taken advantage of too because he said he had just come to the XXXX within a month from the XXXX. I called the office shortly after and was told the office was closed until Friday night. They sent me with a big backpack of books and catalogs ; I told them I thought I just got a small vacation not a bunch of catalogs. They said it was so easy to call the toll-free number and the staff wished us congratulations, again and again. I also contacted the Barclay bank they opened the account in and was told I could not cancel until I received the credit card by mail. The Wyndham XXXX Company did n't take my proper full address when I noticed my apartment number missing and I do n't know if I 'll even get a card in the mail.
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| 02/20/2017 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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This complaint is against the Barclays Bank Delaware/Barclaycard Card Services, XXXX XXXX, XXXXXXXX XXXX. On XXXX XXXX and XXXX, XXXX, a stolen credit card number from a Barclaycard Visa account that I had was used to charge purchases totaling {$9800.00} at XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX, and {$9.00} at a XXXX XXXX in the XXXX, XXXX. Barclays mishandled my initial reporting of these charges as identity theft and later claimed having no record of every piece of evidence I have subsequently submitted to it in support. I present the following facts : On XXXX XXXX, XXXX I phoned the Barclays Bank fraud department to report these charges as false. I requested that it send me a blank in-house copy of its Statement of Fraud form to complete and return in order to begin the process. I repeated this request during follow-up phone calls on XXXX XXXX and XXXX XXXX, XXXX, because each time I made the request, the form was not sent to me. Barclays, despite having my correct address on file since XXXX XXXX and verbal confirmation of that address during each of the above-cited phone calls, continued to send the requested Statement of Fraud forms to a previous XXXX address, although it continued to bill me at my correct XXXX address. I have retained those forms and the mislabeled envelopes in which they were sent, as they were eventually forwarded to me.
After finally receiving a Statement of Fraud form at my correct residence, following Barclays protocol, I completed and submitted both it and the following submissions on the following dates ( none of which were acknowledged by Barclays ) : ( 1 ) a letter to Barclays Card Services, XXXX XXXX, XXXX, XXXX XXXX ( a Barclays-directed address for correspondence to its fraud department ), sent by US mail, dated XXXX XXXX, XXXX, complaining about Barclays repeated mailings of the requested Statements of Fraud to an incorrect XXXX address despite its uninterrupted billing to me at my correct XXXX address ; ( 2 ) a fax transmission, dated XXXX XXXX, XXXX, containing both a completed Statement of Fraud signed by me and an Incident Information Report # XXXX issued by the XXXX XXXX Police Department, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ; and finally ( 3 ) a fax transmission, dated XXXX XXXX, XXXX, containing both a Complaint Report completed by investigating detective, XXXX XXXX, from the same XXXX XXXX XXXXXXXX determining this as a case of Grand Larceny, and a note from me which asked Barclays to acknowledge the receipt of the report. Both items ( 2 ) and ( 3 ) were faxed to Card Services, fax number XXXX, which is the directed fax number indicated on the Barclays Statement of Fraud.
On XXXX XXXX, XXXX, having had no acknowledgement of any of the above correspondence, and amid continuing billing, I phoned the Barclays Fraud Department once again and was told by the operator ( XXXX, Operator ID # XXXX ) that Barclays had no record of any of the Postal or fax communications items that I have delineated above.
In response to this failure, I was compelled to re-submit items ( 1 ), ( 2 ) and ( 3 ), outlined above, by US Registered mail on XXXX XXXX, XXXX, but as of this date, I still have not had a single response from that company 's representatives other than subsequent billings and penalties. To date, the original charges, with penalties, have ballooned to over {$11000.00}, and have negatively impacted my previously strong credit rating. The XXXX police department has determined this to be a case of Grand Larceny. Neither Barclays nor XXXX has produced a signature for these in-store purchases, against which I am ready to compare my own legitimate signature.
I have recently subitted a similar complaint against Barclays and Barclaycard to the office of the Attorney General of the State of XXXX.
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| 03/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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I attended a XXXX timeshare presentation at XXXX XXXX XXXX XXXX in XXXX XXXX on XX/XX/2022. The sales agent was XXXX XXXX.
I am a single mom with XXXX children. My XXXX youngest kids, then ages XXXX, XXXX and XXXX, went to the presentation with me. The manager gave me amounts for loan payments to buy XXXX points, which he said would allow us a one-week vacation every year. I told him that the payments were too high. He asked me what the amount was that I could afford. He got the payments down to {$70.00} a month.
I bought XXXX XXXX XXXX points for {$20000.00}. The down payment was {$14000.00}. This was paid with a XXXX XXXX credit card issued when I was there. A XXXX credit card I was not aware of was also opened. I learned about the XXXX credit card when I checked my credit report. The amount financed through XXXX was {$6100.00}. The monthly loan payment to XXXX is {$100.00} per month. Due to the deception, especially about the buyback program, which is nonexistent, I did not make any loan payments and only made a few XXXX credit card payments.
The manager told me that maintenance fees would be {$90.00} a month. However, to help me out, he said he would gift me XXXX bonus points that he said would cover maintenance fees for up to XXXX XXXX XXXX years as XXXX would redeem the bonus points to offset maintenance fees.
I was worried about being able to afford the timeshare, considering I am a single mom with XXXX kids. I asked XXXX what would happen if I couldnt afford this. He said there is an option to sell the timeshare back to XXXX at the price that I would be paying for it.
I didnt really understand timeshare, so I called my sister who travels extensively using her timeshare. I had her talk to XXXX. He told her the same thing he told me, that if at any time I realized it was too much of a purchase, I could call XXXX and they would purchase the timeshare back through their buyback program.
The reason I did not review the contract right away, to catch the lies told to me about the payment amount and offsetting maintenance fees for XXXX or XXXX years, was because the night that I bought the points, I tested positive for XXXX and drove home the next day. All three of my children came down with XXXX.
When I got the first bills in the mail in XXXX, it was {$100.00} for the loan payment, not the {$70.00} per month we discussed. There also was a bill for maintenance fees for about the same amount. I called XXXX to ask about using the bonus points to pay the maintenance fees. They told me that bonus points can not be used for maintenance fees.
I told them I couldnt afford this since I was lied to, and that I needed to proceed with the buyback program. They kept transferring me to other people. Most of the representatives I spoke with told me that XXXX doesnt have a buyback program. I talked to one rep who told me that people get home from vacation and change their minds all the time so canceling would be an easy process. I then got to a department and asked for a manager. The manager stated that she could help me and filed a case for a misrepresentation and my request to cancel. Before I could get a reference number, our call got disconnected. I called back and the rep talked to the manager who told her that she told me that there was nothing that she could do and that I didnt qualify for any of their programs. Ive also been told by reps to either get a lawyer or to go through real estate companies to sell my timeshare. I have learned you cant sell a timeshare with a loan outstanding.
The manager promised my sister a week but they did not provide it. My credit score has dropped to XXXX. I dont understand how XXXX can allow sales agents and manager to deliberately harm any family, but to do this to a single mother is even worse.
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| 05/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Dear Sir or Madam : I am writing to inform Barclays bank of fraudulent credit card charges on my business credit card. There were XXXX fraudulent charges from a fake merchant ( XXXX XXXX ) totaling {$12000.00}, beginning on XX/XX/XXXX and ending on XX/XX/XXXX. On XX/XX/XXXX, I reported this to Barclays immediately upon recognizing the fraud charges.
I have never done business with XXXX XXXX. I did not authorize these charges. This is a fake merchant with fraudulent charges applied to my credit card. I do not have a XXXX account with the account number listed in these charges ( XXXX XXXX ).
On XX/XX/XXXX, all of the charges were placed back on my credit card. I was not informed of any decisions by Barclays, although was initially told by Barclays in writing that I would be notified of the resolution upon closure of the investigation. Barclays has once again failed to remove and remedy these fraudulent charges.
Again, I implore Barclays to recognize the following evidence of fraudulent activity : Classic fraudulent testing the waters activity starting with an initial {$50.00} charge, followed by a slightly larger charge a day later for {$200.00}, then another a day later {$350.00}, and then XXXX more @ $ XXXX over 4 days.
Atypical spending/charging pattern that is not my usual spend pattern o XXXX charges ( $ XXXX ) on XX/XX/XXXX o XXXX charges ( $ XXXX ) on XX/XX/XXXX o XXXX more charges from same merchant over a 10 day period Spending exceeding my credit limit - never have I exceeded my credit limit All charges from the same merchant, a fraudulent, uncontactable, untraceable merchant account No past history of doing business with this fraudulent merchant - XXXX XXXX The charge is not in the format XXXX uses for CC charges. XXXX states that real charges will appear as : If you've been charged by XXXX XXXX and you're using XXXX or XXXX to pay, you might see any of the following charges on your statement : o XXXX XXXX. XXXX o XXXX [ XXXX XXXX Ads Customer ID ] o XXXX [ XXXX XXXX XXXX Customer ID ] o XXXX [ XXXX XXXX Ads Customer ID ] Source of information : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX % XXXX Shockingly, Barclays fraud protection did not recognize grossly abnormal charging activity on my account involving XXXX charges on the same day ( XX/XX/XXXX ) for the same amount ( {$500.00} ), XXXX charges on the same day ( XX/XX/XXXX ) for the same amount ( {$500.00} ), and XXXX charges over 2 days ( XX/XX/XXXX & XXXX, XXXX ) again, all for the same amount ( {$500.00} ). Barclays failure to act to protect my account against blatant and extremely repetitive fraud charges is gross negligence and a failure to protect this account holder.
My attempts to rectify this fraudulent activity have fallen on deaf ears at Barclays. Despite calling every day to ask for help and repeatedly report the fraud charges, each time I am transferred to a department that has me start over with my reporting, providing no solutions nor answers as to why Barclays allowed me to fall victim to this theft, and enacting no remediation.
I am shocked and disappointed in Barclays failure to recognize this repetitive fraud and stop it before it escalated to an exorbitant sum of money. I am equally disappointed in Barclays failure to resolve this fraud against me and re-apply all the charges to my account without notification of the reason.
I welcome a representative from Barclays to contact me directly to inform me of the immediate resolution of this fraud and removal of the XXXX charges totaling {$12000.00}. Please investigate this matter and correct the billing error providing me with a credit of {$12000.00} and the removal of any and all service fees and interest charges.
Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX In XXXX XXXX XXXX, XXXX XXXX cell
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| 10/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am filing an additional complaint because in my previous complaint XXXX XXXXXXXX XXXX responded with XXXX XXXX response and I never had any dealings with them because as explained, I was told that they were Wyndham but the financial side, never told another company. I got login information directly from Wyndham to access these accounts. I didn't learn that these were individual companies until I had problems trying to set up dates for vacation and the rep was going over the account and disclosed them.
The representative who was a part of the presentation explained that the XXXX Bank was the financial part of Wyndham, which was NOT true. They opened a line of credit with this company which is NOT Wyndham and also a credit card which they told us was a Wyndham Rewards Card which was also NOT true, it was also it's own company!
FCRA Affiliate Sharing Rule. clearly states 624. Affiliate sharing [ 15 U.S.C. 1681s-3 ] ( a ) Special Rule for Solicitation for Purposes of Marketing ( 1 ) Notice. Any person that receives from another person related to it by common ownership or affiliated by corporate control a communication of information that would be a consumer report, but for clauses ( i ), ( ii ), and ( iii ) of section 603 ( d ) ( 2 ) ( A ), may not use the information to make a solicitation for marketing purposes to a consumer about its products or services, unless ( A ) it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons for purposes of making such solicitations to the consumer ; and ( B ) the consumer is provided an opportunity and a simple method to prohibit the making of such solicitations to the consumer by such person.
I was NEVER given the opportunity to deny or decline these accounts which were apparently Wyndham affiliates that they solicited to open these accounts. Everything had Wyndham 's name on it that's why we didn't know any different. With the exception of XXXXXXXX XXXX which again we were told was Wyndham but the financial part of them. Wyndham set up the accounts and gave us login information we never had to go to either company to do anything. This is why we had no idea all these accounts had been established.
The reason it shows that I was making payments is because I wasn't eligible to set up reservations until XXXX XXXX for vacation. Certain areas allowed us to set up reservations no more than XXXX in advance. This is why we had to wait until the new year because the vacation would've taken place at the end of the year.
However, after learning the information of the multiple accounts not being disclosed and the way the reservations really worked, along with the problems trying to do the reservations, I ceased everything with Wyndham because they were deceitful in their dealings. I dealt directly with the agent at Wyndham with my concerns because all of my dealings were always with Wyndham.
I ask that XXXXXXXX XXXX XXXX XXXX XXXX and Barclay 's account # XXXX the initial companies that provided information to the collections, provide the signed agreement that I entered with them to open these accounts. If they are not able to provide this information, I want every company connected to these accounts ( including the collection companies ) removed and permanently deleted from my credit and any other reporting or attempt to collect ceased.
XXXX XXXX XXXX XXXX Barclay 's # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( they did a cease and desist but states debt valid but never proved it ) XXXX XXXX XXXX XXXX XXXX XXXX Due to my previous complaint XXXX XXXX has removed their information from my credit report. However, they are still trying to pursue payment.
I have attached the Rewards Card to show that EVERYTHING said Wyndham.
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| 01/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I made payment to Barclay Card US on XX/XX/XXXX, in the amount of {$9700.00} via check number XXXX, despite my balance per my statement due only being {$920.00} and being due XX/XX/XXXX. The overpayment was because I had made purchases in XXXX that totaled the much larger amount, and I always pay in advance as I don't like revolving credit. The check cleared my bank on XX/XX/XXXX, and clearly references " Barclays XXXX '' on the back as the one that cashed it. However, it never appeared on my account that I check regularly on-line. I started calling Barclay 's on XX/XX/XXXX to inquire about it, and they claimed they had no record of the payment, so I provided them the check number and amount numerous times over the phone, as presumably that should be enough data to easily track it down. Realistically, how many checks could they have received with check number XXXX in the amount of {$9700.00} between XX/XX/XXXX and XX/XX/XXXX? They opened up case number XXXX. Regardless, by XX/XX/XXXX, they still hadn't resolved it, so I asked their employee number XXXX for a fax number to fax a copy of the front and back of the cashed check to, and I faxed it to them at the number he provided at XXXX. Despite him being on the phone with me while I faxed it, he was unable to verify that it reached their fax machine and reportedly unable to speak to anyone in that department, though I have the Transmission verification report showing it went through. I asked for an email address to send it to instead, but he wouldn't give me one. I asked for a fax number wherever he was in their offices so he could get the document directly and verify it was recieved, but he wouldn't give me one. So, I asked to escalate the call, and he said someone would call me back. I received a callback from someone on Sunday, XX/XX/XXXX. She said she couldn't find any document or reference to any faxed document that I sent them on the XX/XX/XXXX, so she ended up giving me a different number to fax it to, XXXX, as well as an email address XXXX, to send the copy of the check. I did so from my office the next business day, Monday, XX/XX/XXXX, and have the transmission verification report as well as the sent email to show it went through. However, when I have called them every day this week they couldn't verify whether or not they received this information again. They finally admitted today ( employees XXXX # XXXX and XXXX # XXXX ) that they did receive the documentation, but they claimed they hadn't received it until XX/XX/XXXX. Not possible as a fax or email are both maybe a second or two delay, but also not surprising based on what I've experience the past three weeks with this company. So, I asked to speak to a supervisor, but employee XXXX refused to connect me with one and said nobody was available. I asked for a timeframe that this would resolved, and they refused to give me one. I informed them that I've been getting daily emails from Barclay Card US indicating that I'm delinquent on my payment and asked them to do whatever they needed to do in their system to get those to stop as they had acknowledged that they had proof that this was their mistake, but they indicated it was automated and they couldn't stop them. I informed them that this was obviously a problem then, because their reporting delinquencies to credit bureaus and reporting account statement balances was likely automated as well, so they were thus likely to falsely report negative issues that may affect my clean/excellent XXXX credit rating. They had no response for me.
I need some help please. Barclay Bank should be required to promptly make corrections to their errors in a reasonable timeframe to ensure that their incompetence does not erroneously harm the financial standing of their consumers.
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| 08/26/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
Older American |
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In XXXX of XXXX I made a purchase at XXXX and charged the purchase to my XXXX XXXX card issued by XXXX XXXX. The purchase was a promotional purchase made with deferred interest if paid within 18 months.
Every month since then I have paid the new charges plus an portion of the deferred charges. Each statement showed that the deferred balance was going down, as well as the deferred interest.
The XXXX/XXXX/XXXX statement showed a total balance due of {$410.00} due by XXXX/XXXX/XXXX. I paid of the entire balance {$410.00} which was credited 5 days before the payment was due, on XXXX. During the period between the XXXX statement and the XXXX statement I continue to use the card for it 's normal monthly purchase plus and emergency charge for XXXX XXXX.
When I received the XXXX statement I saw that NONE of the promotion balance was paid down. Calling XXXX I was told that the payment was credited to NEW charges BEFORE they were credited to OLD charges. I was told that this was because the new charges would have a higher interest rate then the 0 % promotional rate.
FIRST - the new charge were not billed till XXXX and are not due until XXXX. If I were to pay off the new charges on XXXX bill by XXXX - regardless of the promotional balance - since I paid the entire due balance on the previous bill - I would be charged ANY interest. ( I will not be able to pay off the entire amount in the next 60 days. ) Because I will not be able to the new charges by XXXX I will be charged the ENTIRE DEFERRED INTEREST on the promotional purchase, even though I paid the full balance due on the XXXX statement.
TO MAKE MATTERS WORSE - I was told by XXXX XXXX that if I would have paid the bill on XXXX - the last day it was due - rather than XXXX - 5 days early - the payment would have been credited to the promotional balance because it was within 60 days of the date the total promotional balance is due. THEREFORE - I am being penalized because I paid off the total balance of my bill 5 days before that due date.
I have NEVER had a credit card, or any credit account, that did not credit payments to the oldest amount due. ( In looking at all my old bills I now discovered that all my payments were credited to new charges instead of old balance because there were new charges on the credit card. That is - payments ALWAYS went to new purchase that were NOT DUE before they were credit to old balances. ) Because of this practice - XXXX has ; 1 ) increased the deferred interest charged because they did not properly credit payments ( I always paid off new charges on the previous bill PLUS a large portion of the promotional balance ), and 2 ) made it difficult to pay off promotional balances because the always credited payments against new charges ( before they were due ) rather than old charges.
By crediting the payments on new charges XXXX is not honoring their " Grace period on interest if paid within 25 days of the date of the statement. '' In addition - on the attached XXXX statements - it is stated in paragraph B of How to avoid paying interest on purchases - it mentions how to avoid when not paying balance in full - implying that there is no interest when paying the balance in full. I paid the balance in full on XXXX - but they applied it to new purchases forcing me to pay interest on previous purchases EVEN THOUGH I PAID THE BALANCE IN FULL.
Finally - when speaking to the customer service operator AND her supervisor I was told " I agree with what you are saying - but - once the computer allocates payments there is nothing we can do about it. '' I know enough about credit cards and about computers to know this is n't true and it is an insult to me as a consumer to blame the 'computer program ' for not being able to do what is fair and right.
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| 03/22/2017 |
Yes |
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Web |
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On XX/XX/XXXX I purchased XXXX items from XXXX for a total of {$390.00}. The original receipt for the purchase is attached ( page XXXX ) From that receipt, I made XXXX returns - and received XXXX credits ( {$21.00}, {$74.00} and {$74.00}, all on XX/XX/XXXX ). The credits for these XXXX return transactions was correctly applied to my credit card and show on my statement. ( attached, page XXXX ) The XXXX return was made on XX/XX/XXXX, for XXXX items for a total of {$180.00} ( attached, page XXXX ). This credit is not on my credit card statements.
I called XXXX from XXXX regional office ( phone # XXXX ) and she told me that this credit was processed on XX/XX/XXXX. She told me to contact my bank and reference # XXXX.
On XX/XX/XXXX I filed a dispute for not received credit of {$180.00} with Barclaycard over the phone. I was given a case # XXXX.
On XX/XX/XXXX I faxed my supporting documents ( attached, pages XXXX ) with the cover letter explanation ( attached, page XXXX ) to Barclaycard.
On XX/XX/XXXX I received a letter from the Barclaycard ( attached, page XXXX ). In that letter they opened a dispute for {$390.00}. Same day I called Barclaycard to correct it and spoke with XXXX. I told her that the dispute was for {$180.00}, not for {$390.00} and she said the investigator for my case was out of office, but he would call me back. I did not get a call back.
On XX/XX/XXXX I called Barclaycard and spoke with XXXX. She said my dispute was updated on XX/XX/XXXX and is for {$180.00}.
On XX/XX/XXXX I checked my statement on line and saw that sometime in XX/XX/XXXX billing statement the Barclaycard credited my account for {$390.00} ( attached, page XXXX ) and shortly after they reversed it and billed {$390.00} back ( attached, page XXXX ). Obviously, the credit was done when they opened the dispute ( for the wrong amount ) and reversal when they closed it.
Same day, I called the Barclaycard and spoke with XXXX. XXXX told me that my case was closed and the charge of {$390.00} was applied correctly. I asked her to pull my fax ( attached, pages XXXX ) and we read it out loud together, to verify that the issue was for a missing credit of {$180.00}, not {$390.00}.
She then proceeded to say that the credits of {$21.00}, {$74.00} and {$74.00}, all on XX/XX/XXXX were for the {$180.00}. Those XXXX credits were for XXXX different separate returns, total {$160.00} and were separate from the missing XXXX return of {$180.00}. We spent more time arguing about this and doing simple math.
XXXX went to talk to someone a few times during our conversation. Finally she said that IF I wanted to open a new case, I needed to submit the documents. I told her that I want to continue with my original case for a missing credit of {$180.00}, and she told me that my case was closed. I told her that I never opened the case for {$390.00}. I asked her how can I appeal it, and she said there is no appeal process.
For about an hour we were going in circles. Finally I asked her to speak to her manager, and she told me that the manager is out and will call me back. She gave me the ref # XXXX. So far noone called me.
The Barclaycard opened the case for the wrong amount ( {$390.00} is incorrect ), never even read my fax and refused to make it right on several occasions. All they had to do was to read my fax, call me if they had questions, and then call XXXX to figure out where the missing {$180.00} was.
The original amount correctly charged was XXXX. From that transaction, there were XXXX returns ( # 1 - {$21.00}, # 2 - {$74.00}, # 3 - {$74.00}, all on XX/XX/XXXX AND # 4 - {$180.00} totaling ( all XXXX ) XXXX. Of that total XXXX ( the first XXXX returns ) has already been credited on XX/XX/XXXX. The credit for the XXXX return {$180.00} is missing.
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| 01/04/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I disputed a charge for a XXXX XXXX XXXX XXXXr purchased on XX/XX/XXXX with Barclays Credit Card. After noticing that the icemaker was not functioning properly, I contacted XXXX, XXXX and Barclays ( Barclays Case # XXXX ) to report that the product was defective. After several visits to repair the icemaker, it remains defective ( see timeline below ).
I received a letter from Barclays Billing Disputes Department on XX/XX/XXXX ( letter dated XX/XX/XXXX ). Barclays informed me in that letter that the disputed transaction in the amount of {$1200.00} has been reapplied to my account, stating that the merchant has not violated the terms and conditions of the sales agreement. HOWEVER, THAT WAS NOT THE BASIS OF MY DISPUTE.
At the latest repair visit on XX/XX/XXXX, the service technician confirmed that neither the original icemaker nor the replacement icemaker was configured for my refrigerator/freezer. He told me that manufacturer practice was to exchange the appliance after 3 repair attempts but that they havent been honoring this practice because it is less expensive to keep sending him out repeatedly to repair. During that visit, the service technician ordered what he believes to be the correct icemaker for my appliance. The icemaker is on back order for several months ( audio of the entire conversation available upon your request ).
Please see the timeline of events below with documentation attached.
XX/XX/XXXX : XXXX delivered the XXXX Refrigerator/Freezer. The installation technician told me that I must flush 3 gallons through the water dispenser before the water is potable. In addition, he told me to wait up to 4 days for the XXXX to start fully functioning. There was no time to see if the icemaker was working until XXXX XXXX hour return policy expired.
XX/XX/XXXX : After finding that the icemaker was not working after 4 days, I contacted the manufacturer for repair. The manufacturer told me that I must contact XXXX for service. XXXX provided me with a phone number for repair. I reached out to that number to schedule a repair.
XX/XX/XXXX : XXXX sent a service technician to repair Icemaker ( Work Order # XXXX ). The service technician was unable to repair the icemaker and ordered a new Icemaker to install.
XX/XX/XXXX : I purchased XXXX XXXX XXXX ( Order Number XXXX ).
XX/XX/XXXX : XXXX informed me that parts for repair were shipped for Work Order # XXXX.
XX/XX/XXXX : XXXX sent the same service technician but he was unable to repair.
XX/XX/XXXX : XXXX sent the service technician for repair ( Work Order XXXX ) but he was unable to repair.
XX/XX/XXXX : I received a letter from Barclays ( dated XX/XX/XXXX ) stating that The merchant has not violated the terms and conditions of the sales agreement, reversing the temporary credit.
XX/XX/XXXX : In response I sent a fax to Barclays outlining my position with the same documentation as I am providing here.
XX/XX/XXXX : XXXX sent the service technician to repair. the service technician confirmed that neither the original icemaker nor the replacement icemaker was configured for my refrigerator/freezer. He told me that manufacturer practice was to exchange the appliance after XXXX repair attempts but that they havent been honoring this practice because it is less expensive to keep sending him out repeatedly to repair. During that visit, the service technician ordered what he believes to be the correct icemaker for my appliance. The icemaker is on back order for several months ( audio of the entire conversation available upon your request ).
XX/XX/XXXX : In a final attempt to discuss Barclays decision, I called Barclays and spoke with a dispute department agent XXXX. She refused to identify herself and hung up after XXXX minutes of discussion and on-hold.
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| 02/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX I cancelled my Insurance Policy with XXXX XXXX with immediate effect and changed my insurance company to XXXX XXXX XXXX. My cancellation was processed by XXXX. During the term of my policy, my bill was paid by autopay to my Credit Card by Barclays Mastercard. The last autopay to my card was made on XX/XX/2023 for {$340.00}. XXXX refunded monies owed to me by check. Unfortunately XXXX processed a renewal for all my insurance policies without my request or approval on XX/XX/XXXX and charged my Barclay card for {$410.00}. I immediately called XXXX and they confirmed this was a mistake and that my policies were cancelled but they refused to reverse the payment from the credit card. They said they would have to send me a paper check. This was not acceptable to me as I would have to pay the credit card bill and I was not in a position to do so. I wanted them to reverse the charge. They said no so I attempted to dispute the charge with Barclays. I called Barclays and they told me that they could not dispute it while it showed pending, and that I had to wait until it cleared the account. I called Barclays again on XX/XX/XXXX, once the charge had cleared the account, and they told me I still could not dispute it for 15 days beyond XX/XX/XXXX because I had authorized it as a recurring charge. I said I had not authorized a recurring charge because I had cancelled by policies on XX/XX/XXXX and I did not give approval for XXXX to further charge my account. There is no current authorization in place for any recurring charge for XXXX.
I was told by Barclays that I had to dispute the prior charge made in XXXX. This can not be the correct advise because 1 ) the change made in XXXX by XXXX was correct as my Insurance policies were in force at that time, as I did not cancel them until XX/XX/XXXX, and 2 ) The amount, should I dispute it, would be incorrect because I am disputing a charge of {$410.00} made on XX/XX/XXXX, not the charge of {$340.00} made on XX/XX/XXXX. There is little point in disputing a charge for which there was a recurring agreement in place for a correct amount when I want to dispute a charge for which there was NOT an agreement in place for an incorrect amount. I declined to dispute the amount charged in XXXX because that charge is not in dispute. I was told this was my only option or wait for 15 days. Barclays are advising me to incorrectly dispute a valid charge. How ridiculous.
I asked the representative to show my the procedures that indicate a consumer may not dispute an incorrect, and fraudulent charge for 15 days and I explained this was the second time that I had called and this was not explained to me the first time. She told me it was coming up on the customer web page dispute screen. Well, that all well and good but I asked to see the written procedures that explain why I can't dispute a charge made to my account without authorization for 15 days because XXXX do not have any authorization from me to charge my account as I have no policies in force. I don't much care what a XXXX XXXX has written on a website screen. I'd like to know why I can't dispute a charge for which there is no recurring agreement in place, and I know there is no recurring agreement in place because I do not have any insurance policy in force with XXXX and I did not agree to them renewing my policy and charging my credit card, I'd like to know why I am being held to 15 days in order to report this fraudulent charge.
I asked to speak to a supervisor and no supervisor was available. I was given a case number, and the charge remains on my account.
So 2 phone calls to Barclays and no resolution. And it would have got so messy if I had agreed to dispute the prior charge made in XXXX which is what I was advised to do.
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| 02/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
Servicemember |
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On XX/XX/XXXX my wife and I booked a trip to XXXX from XXXX, XXXX, using our Barclay 's Bank " Luxury Card '' credit card rewards program XXXX XXXX XXXX XXXX ). We redeemed XXXX points and paid {$1500.00} out of pocket for the trip. We reviewed the available options for hours prior to booking, specifically seeking the best possible flight that had a refundable ticket option. We paid an additional premium over the standard fair of roughly ~ {$200.00} per ticket for the refundable fare classes on both legs of the journey. The Luxury Card rewards program website " rewards terms of service '' state that " All reservations are final and non-refundable unless a refundable ticket is redeemed. Cardmembers who wish to cancel a reservation will forfeit their rewards redeemed for that reservation and may incur additional supplier fees. '' After reading this, we assumed that our refundable ticket would be indeed refundable. Little did we know or understand, the booking was completed by a third party with its own terms of service, which state that all bookings are nonrefundable. The URL showed XXXX XXXX XXXX XXXX XXXX' so we had no reason to believe we were subject to a new set of terms and conditions. Ultimately, we had to cancel the flight due to my wife being pregnant with twins and being due to deliver earlier than expected ( which is also why we specifically booked refundable tickets ). I cancelled the flight directly on the airline 's website ( XXXX ), which is said I had to do in order to request a refund. XXXX issued us a flight credit to rebook a flight on their airline by end of XXXX ( which we have no intent to do and no use for this credit ). I completed their refund request form, following the instructions on the website. The refund request was subsequently denied and their refunds team said that the " travel agent '' had to request the refund on my behalf. I shared this information with the Luxury Card concierge agents whom I had been in contact with as well, in an effort to get the refund issued. The Luxury Card team issued me a case number and said they would look into it to get the refund and try to get us an exception to their policy of forfeiting points if a booking is cancelled. The case failed to produce any results, so I escalated to a supervisor on the phone. The supervisor informed me that the second ( return ) leg of the trip, which was booked on XXXX XXXX XXXX XXXX, was not a refundable fair type and that it was the reason XXXX wouldn't issue a refund for the booking. I asked how this was possible when I specifically paid more for the refundable fair, and he couldn't provide an answer. In fact, we wouldn't have even been able to select our seats on that flight had we not selected the " Flex '' class of service, which had " refunds '' listed in its included features with a green checkmark ( an example of this is shown in the attachments on a different flight ). The supervisor also couldn't explain why they sell " refundable '' tickets at a higher cost than normal tickets if their terms of service policy is to provide no refunds and supersedes any other conditions. He also couldn't explain how their policy of forfeiting points on cancelled trips also applied to the value of cash used in addition to points to complete a booking. This all seems highly suspicious and predatory. It's evident that they pocketed the additional premium we paid for the refundable tickets on the second leg of the journey ( first leg did show as refundable, despite not working ) when they booked the tickets on our behalf. The supervisor agreed with me that them selling " refundable '' ticket options was misleading and that he would escalate it internally for informational purposes, but still could not offer us a resolution.
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| 09/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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On XX/XX/XXXX, I along with the bank manager from XXXX in XXXX, XXXX notified XXXX XXXX credit card company. A check had been sent by XXXX to pay the balance of this card. We had information that this had been deposited and the copy of the front and the back of the check. The check was received by them on XX/XX/XXXX and deposited on XX/XX/2022. This transaction was never posted to my credit card account.
At the end of XXXX, the XXXX XXXX credit card was transferred from XXXX to Barclay.
We contacted Barclay who gave us the number to XXXX who sent us back to Barclay. Each saying we had to talk to the other. We finally talked to Barclay. We gave the information of the account then the information from the check. The information from the check was asked for and repeated 3 times before it was asked why we were going in circles with the conversation.
Finally talked with a supervisor, XXXX after being told it would be up to 2 months before I would hear back from them. XXXX asked to give her the next week to look into this.
The next week, I received an email survey. I reported how poorly this situation was handled. That afternoon, the over {$6000.00} payment was posted to my account.
I had to call back to ask for the late fee that was put on the account after XX/XX/XXXX be taken off and the interest that was put on the account after XX/XX/XXXX. Also as I asked originally that the report to the credit bureau be removed. The late fee was taken off at that time. The interest was not.
I was told that they could not do anything about the report to the credit bureau. Was told I would have to dispute this with the credit bureau and not the credit card company.
I called more than once trying to get the interest taken off. It finally was.
I asked XXXX with the first call to them if I could email of the cancelled check where ithe card was paid. She said they did not accept emails nor offered any other way to send the information to them.
They were very aware that this was a XXXX deposited check.
A few days later, I received a letter requesting to have the copy of the deposited check to them either by fax or mail.
I tried several times from different faxes and different people attempting to fax the information to them. There was never an answer on their end. I finally mailed them all the information.
The second week of XXXX, I saw where the {$6000.00} was put back on my account. I called again without a resolution.
I called a second time earlier this week without a resolution.
Tonight I called to talk with a supervisor because I saw that fees/interest was added to my account.
I talked to someone but asked for a supervisor. The supervisor told me that they had closed my case on XX/XX/XXXX. That they had received proof of the payment but XXXX is who had the money and not them. Basically that I was responsible for paying them the amount. Told me it was my responsibility to get the money back from XXXX. I told the lady that they have known the whole time that XXXX had deposited the money. I was asked to provide proof that this had happened so they could clear my account. I also told her that i had originally tried to talk with XXXX but they kept transferring me back to them.
I dont know where to go from here. Both companies are refusing to take care of this.
All I know ids that I paid this account off in good faith and Barclay is expecting my to again pay them even though I sent them the information that they asked for to clear the account. XXXX previously told me that the transferred all information to Barclay.
My understanding is that I am still responsible for paying the credit card bill of over {$6000.00} that I already paid.
Please help me to get this taken care of.
My phone is ( XXXX ) XXXX.
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| 06/03/2016 |
Yes |
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Web |
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I am writing on behalf of my mother, I have already filed a complaint with the FTC. My mother is a XXXX year old, a retiree, who has not worked since XXXX. At the beginning of the year ( XXXX ) someone, a lady, contacted my mom, ( she can not recall her name ), inquiring about some charges pending on a Barclays Credit Card. My mom told her she had no knowledge of what charges she was referring too. Then, they offered her to pay {$400.00} and some dollars over the phone, she denied at that moment. On another occasion my niece over heard my mom giving some personal information over the phone, apparently this person was able to get information like her last XXXX numbers of her social security, her mother 's name, etc. I spoke to my mom right away and that is when she informed me that these people had been calling her almost every week harassing her and asking her for payment of the charges to this Barclays Bank Delaware credit card. I asked her for the phone number that she was receiving this calls from and I decided to XXXX it. I found that people has been complaining about this number since back in XXXX and has received lots of complaints regarding scammers and threats to people for charges that they have no idea. Therefore, I told my mom to forget about that and do not answer their calls. We then decided to request a Credit Report on her and that 's when we noticed that there has been some inquiries on her report from different institutions like XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, Barclays Bank Delaware and XXXX since XXXX. There is also a name, address and charges pending to a Barclays Credit Card that are totally unknown to my mom. I immediately filed a complaint with the FTC for victim of a scam, an identity theft and I also placed a fraud alert on mom 's report regarding this Barclays Bank Delaware credit card. Subsequently, My sister took my mother to the social security administration office to report the use of her social security number by somebody else and I was amazed to know that this office does not do anything at all. I understand that they can not resolve the charges on the credit card, that is not their job, but I was expecting at least for them to file a report and have it in their computers as a proof of that my mom 's social security has been compromised. They did nothing, they only advise my sister to do what I have already done. Shame on them! I strongly suggest that the social security office place a note in their system so that in the event of government benefits being stole, at least, there is a record acknowledging that it was notified. How are we suppose to trust our government agencies if they denied to help when their help is needed? My sister also went to the XXXX Police Department and they also told them that if they do not have information as to the name of the person or the actual charges they can not file a report either. Our hands are tight, what can we do in order to stop all these identity thefts and alleviate the safety of our elderly people who are the ones that are more vulnerable to these scammers. Also, it is amazing to see how much information you can find online regarding people complaining about scammers, and fraud and the most surprising thing is that the common denominator is that these people have been or had received calls from the same phone number. I question myself if the authorities do not see what I see online or is it too hard to get to the bottom of this scammers. Does n't the government provide enough resources to bring these thieves to pay for their crimes. I hope this situation with my mom can be resolved and you can help somehow to remedy this problem. I hope to hear from this entity about resolution in this matter. Thank you.
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| 11/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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BarclayCard XXXX XXXX Disputed Charge/Shipping Substitution Product XX/XX/XXXX Consumer order product, replacement auto parts from XXXX, of the eleven items were four ( 4 ) uncoated w/bracket brake calipers from the XXXX website which confirmed the availability at the time of order and thereafter with the order confirmation. At no time during the ordering process did XXXX state its inability to fulfill the customers order, namely the UNCOATED calipers.
This purchase was charged to my Barclays MasterCard account ending XXXX on XX/XX/XXXX for a Total of {$500.00}.
The order was three separate shipments, the first largest four brake calipers arrived on XX/XX/XXXX. Upon receipt I opened the master box containing four ( 4 ) smaller cartons removing one of these smaller box to check its contents. This first box was a UNCOATED front brake caliper. I opened the remaining boxes to fine these three ( 3 ) brake calipers were COATED unlike the first box ( which is UNCOATED ). I didnt order COATED brake calipers, I ordered UNCOATED yet XXXX substituted THREE COATED BRAKE CALIPERS instead. The other two shipments arrived thereafter XX/XX/XXXX and XX/XX/XXXX.
On XX/XX/XXXX contacted XXXX via the website as dictated per the online instructions, fulfilled the questions ask as to why the item ordered wasnt correct, of course the generallity of these questions DONT allow the introduction of the facts but only a part number without its options thus only confirming that I received that part, even if though three of the parts I received were not what I had ordered. Because of the matching part numbers my return request for the incorrect parts was changed to, the customer fault not XXXX fault thus costing the customer a return shipping charge {$5.00} to return the incorrect parts by creating a label at the XXXX website. With the subsequent return to XXXX of these four ( 4 ) items their remained two parcels for return to complete the full order return. Customer requested return shipping labels for this but XXXX refused to acknowledge or to provide these labels.
Once customer realized that XXXX XXXX XXXX was incorrect a dispute over this transaction was filed with Barclays MasterCard initially a credit was placed upon my account but later removed. At this time after returning to the merchant XXXX all parts of the order # XXXX there has been no refund to BarclaysCard Master Card by XXXX nor has Barclays removed this transaction from my account even after returning all items purchased from XXXX.
First and foremost is the fact that the Merchant confirmed an order, creating a contract to provide certain product than choose to substituted it with like product instead of what had been purchased.
Sort of like me ordering 4 yellow T-shirts with the merchant confirming that in fact I had order 4 yellow T-shirts, the merchant would ship to the customer 4 yellow T-shirts and than charging the customer for 4 yellow T-shirts while shipping only 1 yellow T-shirt and 3 red T-shirts, this isnt what I ordered. Dispute Closed in favor of account holder.
So why is this so hard for me the consumer to get the merchant who is responsible and the Credit Card Company, Barclays MasterCard to realize that upon the return of the product purchased to the merchant the charge is no longer viable, the charge should be remove form the card holders account and XXXX XXXX should be scolded for being a bunch of idiots for expecting consumers to pay for what they didnt order I've included two pictures the first shows 4 calipers one is a different color than the other three, that one is the finish that I ordered. The other three are different than what I ordered. The second picture shows the correct finish, the correct caliper that was ordered.
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| 07/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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I have previously reach out to Barclays Bank of Delaware on XX/XX/2021 and XX/XX/2021 regarding a fraudulently opened credit card account ending in XXXX. Recently, see letter dated XX/XX/2021, I had requested all records in their control pursuant to section 609 ( e ) of the Fair Credit Reporting Act. ( 15 U.S.C. 1681g ), California Financial Code sections 4002 and 22470, Civil Code section 1748.95 and Penal Code 530.8. Barclays Bank has not responded to any requests within reasonable and legal time limits. As a victim of Identity Theft and Fraud when reporting my victimization, I had repeatedly complied with the procedures as outlined by the Federal Trade Commission, the California Attorney General and the XXXX XXXX XXXX XXXX when requesting records. Barclays Bank needs to provide legal justification for their non-compliance with the aforementioned statutes.
I have been notified that Barclays Bank has even refused to provide banking records regarding the account ending in XXXX to the XXXX XXXX XXXX XXXX ( XXXX ) assigned investigator. Therefore, Barclays Bank is accused of actively withholding records of interest in an active criminal investigation and thereby hampering criminal arrest, aiding and abetting the perpetrator and delaying prosecution. Barclays Bank will need to provide legal justification for continuing to withhold information from myself and law enforcement.
In addition, the XXXX XXXX XXXX Attorney, XXXX XXXX criminal investigation unit is currently reviewing two forged credit card applications containing my name and private information. The credit card applications were provided by other more cooperative lenders. Please understand the seriousness of the situation as another complaint has been filed with the United States Federal Treasury, Department of Internal Revenue Service requesting a separate investigation into the suspected money laundering by the alleged perpetrator.
Since Barclays Bank is unwilling to provide records to me or even to local law enforcement it is reasonable to assume they are not willing to provide banking records to Federal, State and County law enforcement agencies. Barclays Bank is alleged to have violated several federal and state laws by actively withholding records from the victim of the reported Identity Theft. Barclays Bank needs to explain what legal justification gives them the authority to ignore my and law enforcement requests for records. In addition, Barclays Bank needs to inform me of what is legally needed, other than a subpoena, for them to release the banking records to me for the account ending in XXXX. Pursuant to the aforementioned Federal and State laws no subpoena is required from me for such requests unless the laws have been changed.
Therefore, pursuant to California Law, Penal Code 530.8 ( a ) ( 2 ) Barclays Bank of Delaware was to have provided me within ten ( 10 ) business days of receipt all records pertaining the alleged fraudulently open credit card account ending in XXXX including a copy of the credit card application and a copy of the government issued picture identity used when the fraudulent account was opened. In addition, Barclays Bank XXXX Delaware should have provided any application using my name or its likeness for subsequent cash advances or loans. The XXXX Case Report NumbeXXXX XXXX shall be referenced when releasing all records and Barclays Bank has not done so.
Barclays Bank of Delaware is hereby given proper legal notice as for withholding records I will have no other recourse but to file legal action against you for non-compliance of the Fair Credit Reporting Act and California Penal Codes XXXX as I such time of filing legal action I will be seeking punitive damages and reasonable attorneys fees.
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| 08/26/2016 |
Yes |
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- Advertising and marketing
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Web |
Servicemember |
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I have never applied for card with monthly APR for purchases in my entire life. XX/XX/2016 I began looking for credit cards with 0 % APR for purchases and 0 % APR for balance transfers. I found this website, which I believed to be Barclays card offering for such a card : XXXX.
I reviewed the terms and conditions for the XXXX XXXX card and found them acceptable. I accepted the terms and conditions, and saved them to my computer. I then began filling out the credit card application with my personal information on the XXXX website. I lost Internet access to the site in the middle of the application process and refreshed the web page. The refresh returned me to the XXXX where I had to start the application process all over. I selected what I thought to be the Cash Forward Card again, and clicked through the prompts until I had to enter my personal information again. I entered the required PII, submitted the application, and was accepted for a credit card for what I thought was a card with 0 % APR on purchases for the first 12 months.
The card arrived in the mail a few weeks later in XX/XX/XXXX upon which time I called into Barclaycard customer service to confirm the terms and conditions. My primary concern was that the card offered 0 % APR on purchases. The customer service manager confirmed that I had a card with 0 % APR on purchases telling me that I would not be charged interest for any purchases for 12 months. He also advised me that the call was recorded. I proceeded to make purchases for nearly {$11000.00} over the course of the next few months.
When I received the first credit card statement in mid-JuIy, I noticed that there was interest charged. I called Barclaycard customer service to inquire about the interest charge and they informed me that I had signed up for a card called the Arrival card, which only provides 0 % APR for balance transfers and not for purchases.
I informed the manager, and numerous managers since on the phone that I did not sign up for the Arrival card, but rather the Cash Forward card with 0 % APR on purchases. I also told them of the previous call to the manager directly after I received the card and how he confirmed I had the card with no APR for the first 12 months. This second manager, ( ID XXXX ) told me that Barclaycard did not offer a card like that. If I could show him either an advertisement or terms and conditions with both 0 % APR for purchases and balance transfers then he would personally change my card to the card I believed I was selecting when I first began the process of applying for the Cash Forward. I promptly sent him screen shots of advertisement for the XXXX XXXX XXXX and the terms and conditions for it. He lied!
While researching Barclaycard offers I also noticed that the Arrival card ( the card Barclay issued to me w/o my consent ) had an advertisement in bold print saying " Purchase and Balance Transfer Rate 0 % APR for 12 months, '' essentially promising the same exact terms and conditions as the XXXX Card so I sent him the screen shot of that also.
I have also had conversations with another manager ( ID XXXX ). She told me that Barclaycard would honor its advertisements and switch me over to the card I requested. Barclaycard has not done this to date.
Barclaycard has falsely advertised to me in order to trap me into paying interest on a card for which I did not willingly apply.
Barclaycard has fraudulently opened a credit card in my name and has refused to change the card type to the type I requested from them.
I have had to open other credit cards in order to transfer the Barclay balance thus tarnishing my credit.
I request that your office investigate Barclay card for fraudulently advertising, deceptive enrollment practices.
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| 11/04/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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I booked a trip to take place from XX/XX/XXXX through XX/XX/2020. Paid the deposit of {$1500.00} on XX/XX/2020 and the balance of {$3900.00} on XX/XX/2020. I have receipts and confirmation emails for both transactions, neither of which contain any reference to cancellation policies. Merchant cancelled my trip without consulting with me and refused to refund our monies, instead giving us the choice of re-booking for another date or lose our money. I appealed to the merchant that since she did not provide any policy to us indicating such, we were entitled to a refund. The merchant refused.
On XX/XX/2020, I filed a dispute claim through Barclays Bank, the issuer of the Aviator Mastercard I used to purchase the trip. Barclays has repeatedly denied the dispute due to the non-refundable cancellation policy agreed to when making the purchase. I have provided evidence numerous times with my receipts and emails that there was in fact, no policy ever received by me regarding cancellations, non-refundable or otherwise. The merchant also did not provide any evidence of any cancellation policy in the documentation they submitted to Barclays.
I have provided to them the Mastercard Dispute Resolution Management During Covid-19 document dated XX/XX/2020. I have highlighted the fact that Cardholders are not obligated to accept reasonable alternative services unless required by the terms and conditions properly disclosed to the cardholder at the time of purchase. And also, Reasonable alternatives for future services can not be imposed on the cardholder in lieu of a refund unless the merchant has a right to provide the cardholder with such reasonable alternatives based on the terms and conditions properly disclosed to the cardholder at the time of the purchase. In my case, said term were not disclosed at all.
The short version is this : 1. I booked and paid for a trip with my credit card.
2. The merchant cancelled the reservations without consulting with me, the purchaser of the trip, and evidence of the cancellation email was provided by both the merchant and me.
3. I have provided transaction receipts and accompanying emails as evidence there was no mention of any cancellation policies at the time of purchase.
4. The merchant has not provided any evidence or documentation that a cancellation policy was disclosed to us at the time of purchase.
Barclays, in their duty to represent me, the card holder, has thrown up numerous roadblocks in my attempts to rectify this. They continue to deny my claim due to their ability to override the merchants non-refundable cancellation policy, of which they have no evidence and does not exist. They received the merchant documentation/evidence on XX/XX/XXXX but never notified me, contacted me or gave me a chance to respond. They re-posted to my account on XX/XX/XXXX, almost 60 days after they received the merchant response, without any notification. The letter I received later was dated XX/XX/XXXX, three days after they re-posted to my account. They denied my initial request to have the merchant documentation sent to me. They sent me a letter with only one claim number and both claim amounts and advised me to use the number on the form, resulting in me spending time and energy trying to sort that out with their dispute department. Numerous requests to have a manager contact me went unheeded. In fact, I still have not spoken with a manager since my first request on XX/XX/2020.
There were three other families that booked the same trip. Each of them has been provided a refund through the dispute resolution process at their respective banks XXXX, XXXX, and XX/XX/XXXX XXXX XXXX. The reason? The merchant did not provide any policies up front concerning trip cancellations.
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| 01/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I have been trying to resolve an issue with multiple fraudulent charges on my Barclaycard Mastercard. Here are the charges/dollar amounts : 1. XX/XX/XXXX,XX/XX/XXXX{$410.00} 2. XX/XX/XXXX, XXXX, {$410.00} 3. XX/XX/XXXX, XXXX, {$100.00} 4. XX/XX/XXXX, XXXX XXXX XXXX, {$400.00} Here is a timeline of what has happened so far : 1. On XX/XX/XXXX, I received a text message from Barclaycard informing me that there were possibly fraudulent charges on my account. Upon reading this, I realized that my wallet had been stolen at some point that day or the day before. I immediately called Barclaycard to report my Mastercard as stolen. ( I also did this with credit card from two other companies - both companies gladly refunded me the fraudulent charges ).
2. About a week later, I received a new Mastercard.
3. Shortly thereafter, when the fraudulent charges were still not removed from my account, I called Barclaycard again and was told that the charges mistakenly had been transferred to my new card. I was told that this new card would be cancelled, the charges investigated, and yet another card would be issued.
4. About a week later, I received another new card.
5. 3 of the 4 fraudulent charges ( all except the XX/XX/XXXX charge ) were credited back to me. A short time later, I received a letter stating that this charge was not fraudulent, despite occurring on the same date as all the other charges, for a similar dollar amount.
6. I called Barclaycard and was told to fax them documentation on this charge for further investigation. I faxed them this information on XX/XX/XXXX, and also sent the documentation in hard copy form via certified mail.
7. About a week later, I checked my Barclaycard account again, only to discover that, not only was this XXXX XX/XX/XXXXcharge still on there, but the other three fraudulent charges, which had previously been credited back to me, had all been re-posted to the new card.
8. I called Barclaycard again, and was told to submit, in writing, detailed explanations for why I thought each charge was fraudulent.
9. On XX/XX/XXXX, I sent the Barclaycard Fraud department a certified letter with as much proof as I could find that these charges were fraudulent. As I stated in the letter, accounting for my whereabouts every minute of the day on XX/XX/XXXX is impossible. However, as I explained, a simple analysis of my transaction history with Barclaycard makes these 4 transactions seem very odd ( which is probably why they tagged them as possible fraud in the original text message received on XX/XX/XXXX ). To my knowledge, I have never shopped at all 3 of those merchants on the same day. I have not set foot in a XXXX store in more than a decade. I use my bank check-card for virtually all transactions, only using actual credit cards for large, travel related purchases ( hotels, airplane tickets, etc. ) 10. Sometime thereafter, I received 2 different letters in the mail from Barclaycard. The first, dated XX/XX/XXXX, said that the fraudulent activity associated with the original Mastercard were indeed fraudulent and that " you are not responsible for the reported fraudulent activity ''. A second letter, dated XX/XX/XXXX, informed that the original card had been " closed due to suspicious activity ''.
11. Finally, on XX/XX/XXXX, I sent another certified letter to Barclaycard, indicating my continuing frustration that this issue was not being resolved. I included a detailed timeline of what had happened up to that point, and requested yet again that these fraudulent charges be removed. I have not received any response to this letter.
At this point, I am at my wits end. I do not have the resources to hire an attorney. Any help you can provide will be greatly appreciated.
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| 01/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/XXXX, I noticed two suspicious charges to my Barclaycard CashForward Mastercard, both with a transaction date of XX/XX/XXXX, so I contacted Barclays ( XXXX ) to dispute the charges and to notify them of unauthorized activity on my account. The unauthorized charges were for two cash advances in the amount of {$200.00} each taken out and charged toward a XXXX XXXX XXXX. There were also two {$10.00} cash advance fees associated with the unauthorized transactions that I was disputing ... a total of {$420.00} worth of unauthorized transactions.
The representative took my information, issued a new replacement credit card number, opened a case with Barclays fraud department ( Case ID : XXXX ) and placed a provisional credit back on my account. When I next checked my online account information, there was only a provisional credit of {$210.00} ( half of the total unauthorized transactions ) so I called back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX before finally getting a representative to place a provisional credit for the remaining unauthorized {$210.00} on my account ( Case ID : XXXX ).
On XX/XX/XXXX I received an email from XXXX ( XXXX ) stating that on XX/XX/XXXX, XXXX XXXX, XXXX ( a company that I have purchased from in the past ) became aware of a potential data security incident and partnered with XXXX to do independent computer forensics as part of an internal investigation. On XX/XX/XXXX, the investigation determined that payment card information was obtained without authorization on XX/XX/XXXX, and on XX/XX/XXXX, the investigation determined that my payment card information including my name, address, payment card number, expiration date, and payment card security code may have been obtained. This information, coinciding with the unauthorized transactions on my Barclaycard Mastercard account on XX/XX/XXXX, leads me to believe that my card information was indeed obtained in the XXXX XXXX data breach and then used to take out the cash advances for XXXX XXXX XXXX.
On XX/XX/XXXX, I received a letter from Barclays stating that their fraud investigation was complete and they found the disputed activity to be valid, thus they were reversing the provisional credit ( s ) and placing the amount owed back on the account. They have also now attached an additional {$5.00} interest charge on the cash advances to my account.
On XX/XX/XXXX, I called the XXXX number on the letter and spoke with a representative in Barclays fraud department who stated that their investigation showed that my card, which was never out of my possession, had to have been present at the time of the cash advances taken out with XXXX XXXX XXXX. The representative told me that my only recourse was to contact XXXX XXXX XXXX at XXXX and dispute the charge with XXXX XXXX. When I called the XXXX XXXX number the representative stated that I would have to contact the fraud department but there was no telephone number for that department and I would need to send an email to XXXX.
My efforts to get these {$420.00} worth of unauthorized charges removed from my account have been fruitless thus far dealing with Barclays. On their website they claim, " Use your card with confidence ... Count on Barclays ' {$0.00} Fraud Liability protection. With our fraud liability coverage, you aren't responsible for unauthorized purchases made with your card that you report to us. It doesn't matter if your card is lost, stolen or breached - online or offline - you're protected. '' I did as they requested, reported the unauthorized activity as soon as I noticed it on my account, but Barclays doesn't seem to be following through on their stated protections, nor are they maintaining my confidence at the moment.
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| 09/05/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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This is not the duplicate complaint. Because the Company did not answer and address to my complaint to my satisfactory at all.
My application number is XXXX. It is for XXXX XXXX XXXX XXXX XXXX. I applied for the credit card in XX/XX/XXXX. And it was denied in XX/XX/XXXX. So I called them and the credit card company ( barclaycard ) and they told me that they need additional information to verified me.
On XX/XX/XXXX I sent them the required documents ( Drivers License, Social Security card and my current original utility bill and Bank statement with my name and address ). I sent them all four documents and staple them together on XX/XX/XXXX to the following address : XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX. After 4 weeks of sending the documents to them, they are no response from the credit card company. So I called them on XX/XX/XXXX.
On XX/XX/XXXX, one of the representative from the credit card company told me they have not receive any documents from me and told me to mail them again. So I did mail them the all the documents again on XX/XX/XXXX. Two week gone by after XX/XX/XXXX I called them to verify if they have received the documents.
On XX/XX/XXXX, I called the credit card company and talked to XXXX ( ID # XXXX ) around XXXX XXXX PST, she told me they only received the utility statement but not the Social Security card and Driver License card. I told them all the documents were stapled together how can you only receive one document not all the document. XXXX them told me that she will look into it and called me back within 2 days. But XXXX never called me back.
On XX/XX/XXXX I called the credit company and spoke to XXXX ( ID # XXXX ) and explained to her that I have sent them all the required documents twice ( 1st on XX/XX/XXXX and 2nd time on XX/XX/XXXX ). And she still saying that they only received the utility statement only. So I escalated to the supervisor that day.
On XX/XX/XXXX, XXXX then transfer me to the Supervisor named XXXX ( ID # XXXX ). Supervisor XXXX then proceed to ask me additional information to verify me. After the verification. Supervisor XXXX told me he can approve my credit card application with {$5000.00} dollar credit limit and I will receive the credit card within 7-10 business days. After 3 weeks of not receiving the credit card so I called them again.
On XX/XX/XXXX I called the credit card company again. I talked to XXXX ( ID XXXX XXXX ), she then told me the credit card has been denied on XX/XX/XXXX due to bank policy and Patriot Act of XXXX by XXXX XXXX XXXX. Then I ask to speak to a supervisor, she then told me there were no supervisor available at that time. So 6 days later I called them again to ask why was my application denied if the supervisor already approve on XX/XX/XXXX.
On XX/XX/XXXX I called them again and talked to Supervisor XXXX ( ID # XXXX ), she then told me the application was approved on XX/XX/XXXX but on XX/XX/XXXX it was cancelled. I ask the supervisor XXXX why it was cancelled, she then told me we can not give you a reason due to security issue. I then ask her that I have a right to know. She then very abruptly saying that there is nothing she can do about it and hang up the phone.
On XX/XX/XXXX talk to Office of President at XXXX XXXX regarding the application but XXXX was not in.
Please answer the following questions : 1. why is the reason the application was denied since it was already approved by the supervisor XXXX on XX/XX/XXXX.
2. If you need more information from me what can I do? I already send you guys the social security card and driver license twice already. I can send the another one but what is going keep you guys from saying you never received them. Can I just send you through email.
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| 11/04/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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I work for XXXX. XXXX XXXX is a XXXX. Our client, XXXX XXXX, for whom I am serving as power of attorney, was a victim of financial fraud involving her Barclays Priceline credit card. XXXX and her son made a single purchase from XXXX in the amount of {$69.00}. When XXXX received her monthly statement from Barclays there were numerous XXXX charges. XXXX called Barclays and they reversed the charges and issued a new card. XXXX received her next months bill and there were more fraudulent charges from XXXX despite the fact that XXXX, nor her son, provided XXXX with the new card #. XXXX reported the charges to Barclays again and once more Barclays replaced XXXX 's card #. This process repeated and each time not XXXX, nor her family, provided XXXX any of the replacement card # 's. Again, only the very first charge from XXXX in the amount of {$69.00} was authorized by anybody in XXXX 's household. Eventually Barclays started to deny reimbursement of the fraudulent charges and gave various reasons depending on who XXXX spoke with at Barclays. XXXX has not experienced any fraudulent charges on any other accounts besides the Priceline Barclays account. Barclays has stated to myself, XXXX XXXX ( XXXX ), and XXXX that the replacement card # was given to XXXX by Barclays themselves since the XXXX charges were seen as recurring charges. Barclays automatically updates merchants with new card info if the charges are seen as recurring charges even if the charges are deemed fraudulent. XXXX hired a lawyer, XXXX XXXX XXXX who sent a letter and a check to Barclays in the amount of {$1500.00}. The letter stated that the check was to cover all of XXXX 's legitimate charges and that the check has a restrictive endorsement in that if Barclays accepts the check then the account is settled in full and instructed Barclays to close it. Barclays cashed the check and ignored the rest of the letter. Calls and letters from Barclays seemed to stop and XXXX assumed the matter was settled until she received notice that there was collection activity on her credit reports. She discovered it was for the remaining balance on her Barclays card. She has hired XXXX to handle this matter. I have spoken with Barclays on numerous occasions and have come to the conclusion that they are unable, unwilling, and incompetent in addressing our concerns. Each representative I speak with gives me conflicting information. If I ask for a manager ( at least in this department ) I can not wait on hold for one. Barclays requires I wait for a call back at an undetermined time. They do not leave a voicemail and they only call once. If I 'm away from my desk I have to call Barclays back and start the entire request to speak to a manager all over again. One manager, XXXX, reached me and he gave me case # XXXX and said if I called back I could be transferred to him using that case #. This has not been the case. XXXX also stated he was submitting all of the charges for reimbursement and that this was a final fix for the problem and that XXXX would not be liable for any of the charges and she would receive a letter stating such within just a few days. She has not. I called Barclays again and they stated that XXXX never stated such things and their notes do not reflect it. Barclays records their calls but they are not willing to review the conversations I had with him. Nobody at Barclays is able to communicate clearly or honestly, often following a script and responding to questions with answers that do not make sense. Our desired outcome is that all fraudulent charges are reversed and that be reflected on XXXX 's credit reports. I would also like Barclays to change their manager callback policy and address future XXXX claims properly.
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| 08/18/2015 |
Yes |
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Web |
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On Friday, XXXX XXXX, 2015, I called the phone number on the back of the XXXX XXXX XXXX XXXX issued by Barclays Bank Delaware to determine if our family 's checked bags on a forthcoming trip to XXXX XXXX XXXX would be free based on the terms of the credit card. The Barclays customer service representative told me that up to one checked bag would be free for the card holder as well as one per each passenger traveling with the card holder. Based on this information, I packed four checked bags as we were traveling with the cardholder and three additional passengers. In addition, in response to my inquiry as to procedure for claiming the benefit, the Barclays customer service representative told me that on the day of travel, all I would need to do was show my credit card to the XXXX Airways desk agent and s/he would waive the per checked bag charge of {$25.00}.
On Sunday, XXXX XXXX, 2015, we went to the airport for our flight. There was a long line to check in and we were told by the one and only XXXX Airways agent supervising check in that we would first need to check in at the electronic kiosks to be permitted to get on the line to check bags. We went to the kiosk and were prompted to make payment for the four bags we were checking. We made payment as, based on our conversation with the XXXX Airways agent supervising check in, we understood that we first needed to check in at the kiosk to be able to even get on the line to check bags. There was no XXXX Airways representative in the kiosk area to answer our questions.
When we got to the front of the line to check our bags, we were told by the XXXX Airways representative that we had incorrectly paid the fee at the kiosk and that we should have entered " 0 '' checked bags. She said that now that we had paid the fee in the amount of {$100.00} we would have to call the number on the back of the card to get the charge reimbursed. I argued with her that I had called the number on the back of the card two days earlier and was told that I needed to show the card to her. I told her that we were being sent in circles between the Barclays card representative and herself. She then asked me if I wanted to get on the flight or not but that if I did I needed to step aside. I took that as a threat and felt as if I had no option but to call the number when I returned. At no time did the XXXX Airways representative indicate that the baggage fees were not reimbursable ; rather she simply indicated that she did not have the authority to reimburse us the money. She represented to me that I could get the {$100.00} credited to the card by simply calling the number on the back of the card. With that understanding, I relinquished my bags and boarded the flight.
I again paid the {$100.00} checked bag fee in XXXX, XXXX XXXX XXXX upon my return based on my reliance on the information provided to me by both the Barclays customer representative I had spoken with on XXXX XXXX XXXX, 2015 and the XXXX Airways representative I had spoken with on XXXX XXXX, 2015.
I called to have the amount reimbursed on Tuesday, XXXX XXXX, 2015. I was told by each of XXXX XXXX representative XXXX XXXX XXXX XXXX as well as the Barclays credit card representative XXXX XXXX, ID # XXXX ) that while I may have been given misinformation by XXXX their entities, I was not entitled to a refund per the terms and conditions of the credit card.
If I had been given the correct information by the credit card representative on Friday, XXXX XXXX, 2015, I would have brought four carry on bags and would not have incurred the cumulative {$200.00} charge. Each of Barclays and XXXX Airways employees fraudulently induced me into spending {$200.00} by providing me inaccurate information.
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| 08/06/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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Before deciding which credit card to apply for, I knew that I wanted one that would have 0 % APR on purchases for the first year. I already have a XXXX and an XXXX XXXX, so I decided on XXXX. On XXXX 's site, I used their tool to find a card that has 0 % APR on purchases, which is the Barclaycard CashForward World Mastercard. Here is a link to XXXX site : XXXX XXXX XXXXXXXX Once on the actual card 's official site, I also confirmed that it shows 0 % APR for purchases. Again, the ONLY reason I chose this card was to get 0 % interest for the first year. Here is the link to barclaycard 's site : XXXX XXXX XXXX Scroll down to Interest Rates and Charges Summary, it shows : APR for purchases : 0 % introductory APR for the first fifteen billing cycles on purchases. Scroll down to Terms & Conditions, it shows : Annual Fee : {$0.00}. 0 % introductory APR on purchases is applicable for the first 15 billing cycles after account opening.
1st Statement : XX/XX/XXXX - No Interest Charges 2nd Statement : XX/XX/XXXX - No Interest Charges 3rd Sttement : XX/XX/XXXX - Interest 4th Statement : XX/XX/XXXX - Interest 5th Statement : XX/XX/XXXX - Interest 6th Statmenet : XX/XX/XXXX - Interest On XX/XX/XXXX I called customer support for the 1st time. I explained the situation, I was told I had made a mistake and they only offer 0 % on balance transfers NOT on purchases. I explained to her that she was incorrect and the actual information was on their own company website. She verified and confirmed that I am correct and am supposed to have 0 % APR on purchases AND balance transfers. She confirmed she put a notice on my account to be corrected. On XX/XX/XXXX I called customer support for the 2nd time. Again, I explained the situation, she said that the note was still on my account and it was being processed. I should notice my interest charges removed from my account on the next billing cycle. Unfortunately, I trusted her and did n't check until recently. Because I was having no success contacting them by phone, I used their " Secure Messaging '' system for support. I explained the entire situation again and how I had previously not been assisted. Their response : " Although we show no 0 % APR offer for purchases, we can confirm that your account was eligible for a 0 % introductory APR for the first fifteen billing cycles following each balance transfer that posted to your account within the first 45 days after your account open date ... '' Again, I am back to them showing no evidence that they are supposed to honor the 0 % APR on purchases, even though it is on their website and on XXXX 's website. Now, I tried to reach out to speak with a " Manager '' of customer service, but again he/she was busy so I would need to wait another 24/48 hours to recieve a call when it is more than likely inconvenient timing for me. The last person I talked with said they do not offer any 0 % APR on purchase cards. I directed her to own company 's website and to XXXX 's page and she said " Oh, well that is offered now. When you opened the card is was n't available ''. I was told all she can do is make a note on my account for " them to research ''. I 'm not allowed to know who is researching and why this time when they research it will be any different than the other times I have called. Unfortunately, they now are requiring me to send in my original terms and conditions for the card, that I received in the mail, but I honestly do n't think I 'll be able to find it. To me, it feels like a complete scam. They list the card on multiple sites showing 0 % APR on purchases for the first 15 billing cycles, then force you to send in paperwork to prove it applies to your card, otherwise they charge you interest.
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| 05/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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My husband and I have a rewards travel card with XXXX miles that we planned to use to buy airline tickets for a trip to XXXX this summer.
On XX/XX/19 we purchased two XXXX XXXX airline tickets for a total cost of {$1300.00}. On that same day, we cancelled the purchase due to problems with my husbands vacation schedule. We received a full credit of {$1300.00} from XXXX XXXX. Both transactions posted to our account on XX/XX/19.
On XX/XX/19, I went online to our account and noticed our card balance was higher than usual. I knew my husband re-booked the airline tickets, so I went to the Travel Statement Credits section of our account where all our qualifying travel-related purchases eligible for redemption are posted. I first read the paragraph there that states, Please note, only qualifying travel purchases made in the last 120 days will display I then saw the XXXX XXXX purchase posted and went ahead and redeemed our miles for what I thought were our airline tickets.
What I did not know at the time was that the purchase I had just redeemed was actually the voided purchase we had received full credit for twelve days earlier. Consequently, I had redeemed my miles on an invalid purchase. I did not understand how this could happen, but I trusted there would be no problem in getting our miles back after explaining the circumstances.
On XX/XX/19 my husband emailed Customer Service explaining the circumstances and requested our miles be reimbursed. Since we have had this rewards card for many years and have had all positive experiences with the company, we were assured that due to the circumstances the company would be fair and reimburse our miles.
On XX/XX/19 Customer Service responded back in an email that stunned us. The answer read as follows : We would like to explain that all redemptions are final. Return credits came in separate amounts which is why transactions of {$1300.00} was still showing as redeemable. As you have mentioned that your wife processed a redemption manually whether which is not a bank error. Statement credit is on the account and will not be reversed.
I would like to address these explanations. We understand completely that all redemptions are final and under typical circumstances would fully comply. Nonetheless, because I believed the company statement regarding travel redemption credits to be trustworthy, I redeemed miles on a voided purchase and I believe under these circumstances a redemption should not be considered valid.
Regarding the return credits came in separate amounts This doesnt excuse the fact that necessary adjustments were not made in our travel miles redemption.
Finally, I do not understand what processing the redemption manually means. I redeemed miles online instead of by phone.
On XX/XX/19 after receiving this email, my husband sent a follow-up email expressing our disappointment and dissatisfaction with the decision.
On XX/XX/19, I called Customer Service and was told we had to speak with a manager who would be able to resolve our issue and even reverse the decision we got from Customer Service.
Finally on XX/XX/19, I spoke with a manager who was pleasant but offered no acceptable explanation for not reimbursing our miles. We went over all of the facts. Most of what the manager said was ambiguous. He told me if it were a matter of only a couple hundred miles, he could do it. When I asked him why it couldnt be done in my case, he said the system isnt set up for it. Throughout the conversation, I felt he wasnt being completely forthcoming and in the end, I got an apology.
We ask that this matter be reassessed in fairness on our behalf and would appreciate a different and more favorable outcome.
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| 11/29/2015 |
Yes |
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Web |
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This whole practice seems predatory in nature. Barclay did not send statements via the mail, I did not activate the new card sent in XXXX, and they rebranded the card to XXXX vs combine with XXXX card - this is confusing, especially when they were selling these as if these programs were combining, not 'rebranding ' the XXXX XXXX card. On the plane, as the stewardesses told us about this, they even said they were combining as a way of selling the card to passengers.
Barclay is giving incorrect information to consumers, and not billing properly. XXXX XXXX and XXXX XXXX have been saying they were combining their miles program for a while ( year maybe? ) My XXXX XXXX card was paid off until XXXX. I did n't realize I used that card ( maybe pulled it from my wallet on accident ) in XXXX. They now go by XXXX XXXX XXXX, which I 'm unfamiliar with because a ) they told me they combined programs b ) they were emailing me XXXX XXXX statements until XX/XX/XXXX, but since XX/XX/XXXX were simultaneously emailing me under XXXX emails - the VERY similar names confuse people about this program, especially since they were saying they were combined. c ) they emailed statements instead of mailing them as I asked them to do in XX/XX/XXXX c ) when I call, they keep saying it 's the XXXX card ( but my XXXX XXXX card is called the same! ) and d ) cancelled the XXXX XXXX card so when I call it says it 's not active so I believed their statements saying it combined.
In XX/XX/XXXX I called after seeing a negative hit on my credit. The gentleman said he would mail me statements and said they mailed a card to me in XXXX, but it was not activated. I paid what was due and waited for statements.
Today, XXXX XXXX I looked at my credit and see negative entries by Barclay again. I called and the XXXX lady said it was XXXX card again. After some arguing, she put me on hold, did research and came back on the line apologizing saying it was XXXX XXXX but she could n't help me. She transferred me and the line disconnected. I called XXXX more times and still disconnected upon transfer. I have call logs on my phone. I tricked the system and talked Dol on the XXXX call who was disbelieving of most of what I explained. I had to prove to her that statements were changed from email to mail in my previous disconnected call from the morning ( she said there were no notes and no way of verifying. ) I was transferred to a supervisor XXXX who confirmed she could see the change. The supervisor XXXX ( id # XXXX ) told me : a ) I could write their XXXX Credit Bureau Disputes deptmnt, but no email or calls b ) she could n't give me my account number, I do n't have a card, so she 'll mail it to me ... .then I can use that to mail a letter to XXXX. This whole dispute is based on the fact that they did n't mail me a statement, but they want me to use mail and wait for more mail? c ) She said they could correct bank errors but was n't at first inclined to consider this a bank error. After some back and forth, she said she 'll have a manager call back but hers, XXXX XXXX whom she had just talked to, was no longer available. She 'll have them listen to the XXXX call, and then consider reversing on my credit if I did ask, and they did say they 'd mail the statement. I obviously ca n't listen to that same call so have to 'trust ' whoever listens to that call. I asked her to listen to it now. XXXX said she ca n't do it given their policy.
I 'm waiting a call back, but again, this process seems very predatory and in this case, was also a banking error that caused the issue on their part. They so far have not admitted to any error and I 've now reached out to them on multiple occasions to resolve this issue.
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| 05/14/2015 |
Yes |
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Web |
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I am writing to file a complaint against Barclays Bank Delaware ( BBD ). In particular the complaint is regarding the BBD advertised rewards program associated with their partnership with XXXX. The name of BBD product is The XXXX ( R ) XXXX Signature ( R ) Card.
After learning about the aforementioned credit card and the rewards program associated with the product, I applied for and then received The XXXX ( R ) XXXX Signature ( R ) Card in XXXX, XXXX. The publicly advertised information claims that a cardmember will earn XXXX points after first use of the credit card and XXXX points after using the credit card to pay for a first stay at a XXXX property. My decision to apply for and receive this product was exclusively influenced by this publicly advertised material. Although incentives and promotions occasionally change, this same promotion continues to be publicly advertised and can be verified at XXXX Although not fully explained in the Offer Details, an important distinction about this rewards program that I later learned is that to utilize the points, BBD must take two actions. The first action involves BBD acknowledging the points being earned and posting the points to a cardmember 's BBD account at the end of the billing cycle. The second and equally important action involves BBD posting those same earned points to the cardmember 's XXXX account which is linked to the cardmember 's BBD account during the application process. Without BOTH actions occurring, the cardmember does not have the ability to utilize or monetize the earned points.
The credit card was first used on XXXX/XXXX/XXXX. As outlined and advertised, XXXX points were credited by BBD AND those points were posted to my XXXX account the next day after the billing cycle. However, my ongoing and agonizing issue with BBD began with trying to collect the XXXX points part of the promotion.
On XXXX/XXXX/XXXX, I charged my first stay at a XXXX property to my XXXX ( R ) XXXX Signature ( R ) Card. Unlike the delivery of the XXXX points associated with the first use promotion and despite several attempts and hours of effort trying to work with BBD in receiving and being able to utilize these earned points, BBD is now evading their responsibility to deliver on this part of the promotion. This conclusion is best characterized when I made a firm and final attempt to resolve the matter with BBD on XXXX/XXXX/XXXX. At that time, I advised BBD again of the matter in writing and asked for a resolution in writing. At this point, BBD was in violation of their own Terms and Conditions since it had been 16 weeks since I fulfilled the requirement of the first stay promotion and over 6 weeks since it was posted to my BBD statement. BBD responded with what appeared to be a couple of standard platitudes and then shortly thereafter closed my complaint with no further action plan or case # for resolving the matter. In my complaint, I advised BBD that the deadline for posting the points to my XXXX account has past and should they not resolve the matter within the next two weeks, I would be left with no choice but to involve the regulatory and legal authorities. As of today, BBD continues to take no action and appears to be defiant of their responsibility to deliver on their advertised promotion. As a result, I am being deprived of reward points which would provide real economic value, if delivered in accordance with the program rules and BBD 's stated Terms and Conditions. In addition, BBD 's behavior regarding the handling of my complaint is in stark contrast with their stated Complaint Policy Statement which can be found at : https : //www.barclaycardus.com/servicing/headerLinks? handleContactUsComplaint
|
| 06/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
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Specific Complaints Against Barclays Bank We submit to banking industry oversight authorities and legal representatives the following as complaints to bring against Barclays on our behalf : Barclays refused to do anything to stop the posting of the fraudulent charges ( four charges totaling US {$19000.00} ) made to our account on XX/XX/2020. We requested ( by phone ) a stop to the posting on XX/XX/2020, after gaining online access to our statementa full day before the actual posting on XX/XX/2020.
Barclays dispute officers failed to open a fraud investigation from the beginning, as we suggested, instead insisting we open our complaint as a dispute.
Barclays failed to contact the vendor, or else did not keep us adequately informed about any contact, or lack thereof, between the bank and the vendor ( or vendors bank ) during the investigationall while seeking no additional input from us but strongly advising us to cease all contact with the vendor during the dispute investigation. In retrospect, elicited information from such contact might have provided evidence to strengthen our case with Barclays.
Upon negative resolution of the dispute in our favor, a Barclays representative, XXXX ( Operator ID XXXX ), accepted and confirmed our request to escalate our complaint to a fraud investigation, issuing a fraud case ID XXXX on XX/XX/XXXX ; however, during our phone call on XX/XX/XXXX, XXXX ( Operator ID XXXX ) informed us that Barclays refused to do a fraud investigation ; the case number was thus retracted and closed.
Barclays penalized us with interest and late fees before allowing adequate time for us to receive the dispute rejection notice sent through regular mail on XX/XX/2020. We did not receive that letter in the mail until XX/XX/2020 -- six days after the mailing date ; therefore, we had no chance to respond with the minimal payment required before Barclays recorded a late payment notice that immediately damaged our individual credit scores.
About 20 % of the total charges by the vendor were made to our XXXX XXXX XXXX Mastercard. In light of XXXX XXXX prompt investigation of our case as credit card fraud and its decision in our favor over the exact same vendor and transaction, we submit that Barclays did not exercise due diligence in their investigation on our behalf, nor did the bank recognize its corporate responsibility to us as long-term customers who count on credit card protections from fraud when making transactions. The final decision, resulting in a catastrophic financial loss for us, appears to have been arbitrary and blind to the fraud prevalent throughout the timeshare sale and resale industry. Barclays investigators appear to have ignored all the details about the fraudulent transaction provided in our letter to Barclays investigators during the ongoing disputed investigation ( see Attachment B dated XX/XX/XXXX ).
Barclays poor process communication of its process, insufficient investigation, and disingenuous and careless treatment placed great stress and anxiety upon us over several months. Hours of waiting on the phone to speak with Barclays representatives exacerbated all the COVID-19 job stress.
Barclays failed its online Complaint Policy statement by NOT forming a cohesive picture of our situation, NOT considering our integrity as long-term customers in its review of individual merit, and NOT giving any indication of having performed additional research to substantiate our case.
By not resolving this dispute in our favor, Barclays is, in real terms, aiding an international criminal organizationawarding it with our US {$19000.00} and sending the message that further, bolder illegal operations can continue with impunity.
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| 02/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX I made a purchase from a site XXXX that was advertised on a reputable news outlet. Add was for 7 special addition coins @ {$4.00} = totaling {$32.00} plus 8 free coins & free shipping. During the checkout, other items were offered of which I declined and the final page of purchase said Thank you for your order with no total. I never received an email confirmation so I had no way to look up or track my purchase & 7 days later, XX/XX/XXXX Package arrived with 3 items I didn't purchase & and I was charged more than double for the coins. The invoice total was {$180.00} when all I should have been charged was {$32.00}. The package & invoice had no company name, no email or phone #, or company policies, only an address. I called Juniper Card Services and they told me the Charges were under XXXX and gave me the phone number & suggested I call them first & try to resolve. I immediately called them, the first rep. insisted I made charges & that I received an email, but when I asked her what email they had for me she hung up.
I called right back & explained to another rep. named XXXX who also insisted I made the purchase and only offered me a lifetime coin membership, put me on hold & after 1/2 hour I was disconnected. I then On XX/XX/XXXX same day filed a Dispute with Juniper CC Services/Barclay bank. My first & only dispute in the 12 yrs. of being a card holder with excellent payment record. I was given a temporary credit & then my Dispute was denied on XXXX & I was recharged the full amount. I called Juniper again & was told I failed to cancel the order before I received it, I explained I didn't know I was going to receive 3 items I didn't purchase and be overcharged for the one I did. I was then told by Juniper rep. to put my grievance in writing. I did on XX/XX/XXXX, I explained that the transaction was fraudulent and even the charges were under a different name & it was re-opened. In the meantime I finally got a manager call back 15 days after request on XX/XX/XXXX & XXXX told me, they really can't investigate & in her opinion I would be denied these companies are pre-paired with all the right answers & I don't have a chance. I explained that they have fraudulent complaints against them for the same scam and she said it didn't matter. On XX/XX/XXXX I received the second Denial letter. In the meantime I had sent two more letters in a Fax on XX/XX/XXXX & XX/XX/XXXX to the Fraud Department with more evidence I had found in my research about this Company XXXX ... They have 71 Fraud complaints on the XXXX of which XXXX responded & refunded money to others for the same fraud, plus 35 scam complaint reviews unresolved of which I made Barclay/Juniper CC aware of in addition to copies of their return Policy which states 30 day Money Back or Return Guarantee. I called 7 days after purchase when I received the fraudulent purchases charged to my card and reported it to Juniper & tried to resolve with the company.
Also California State Law that they do business under says that no only does the company have to comply with the return policy, they also by law have to post any other name they do business under for the consumer to see and be aware of, which nowhere on their site does it say XXXX, the name the charges were under. I calle Juniper on XX/XX/XXXX & was told my Dispute was re-opened on XX/XX/XXXX after receiving my letters & then on XX/XX/XXXX I received the final letter I was Denied a 3rd time with same excuse all 3 times as if they didn't look into it or try to resolve at all. Barclay Bank does nothing to protect the consumer from Fraud especially when I have provided them with all of the information about this obviously Fraudulent Company
|
| 12/04/2017 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Advertising
- Changes in terms from what was offered or advertised
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|
Web |
Servicemember |
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About three months ago, I signed up for an XXXX XXXX XXXX XXXX XXXX issued through Barclays Bank.
I received the card and started using it, then asked to have my wife issued a card as well. We both used the card and I attempted to set up online access to my account.
I had problems with setting up online access. Basically, when I got to the " Select Security Questions '' it will not allow me to enter any of the 5 security questions. I tried three different browsers, two different computers, an XXXX, and my XXXX Phone.
On XXXX XXXX XXXX I called Barclays and was referred to a web specialist ( XXXX ) who was in the XXXX. He was difficult to understand, but we got through the call and he had me reset cache, etc., to no avail. The ticket # is documented ( XXXX ). I asked him to have a manager call me back. I received no call back.
On XXXX XXXX XXXX, after trying to set up online access again unsuccessfully, I called again and talked to XXXX, a manager who also tried to assist me, but could not. She then talked to the IT department, came back on line and told me it was a system wide problem. She gave me a ticket number which is also documented ( XXXX ). She told me to try again in a week or so. I had to arrange to have my statement emailed to me and they took payment over the phone.
On XXXX XXXX XXXX, after trying again to set up online access, I called again and talked to XXXX. She seemed unaware of the problem, but then told me later after coming back on the phone that it was being worked. I asked for a manager to call me and never received a call back.
I tried three times over the month to set up an online account to no avail ( same problem with not being able to get past the Set up Security Questions Screen.
On XXXX XXXX XXXX, after trying again, I called and talked to XXXX. She was somewhat aware of the problem, but then had to go off line and find out what was going on. She came back on line and told me she had talked to IT and that the problem would be rectified on XXXX XXXX. I told her to put in my record that we would NOT be using the cards until this was rectified.
Today, on XXXX XXXX, I tried again. I experienced the exact same issue. I called and talked to XXXX. She referred me to XXXX, a manager who was aware of the issue, but after doing some checking, he came back and notified me that the IT department now has selected a XXXX XXXX date for " resolution. '' I clearly told XXXX that the cards would not be used and that I was going to exercise my right to file a complaint with the CFPB. He then said, okay, let me get you to the next line of specialists. I was placed on hold for 20 minutes. A manager named XXXX came on an said that the issue was not resolved and they were working it. He looked at recent communications from the IT department and nothing was new. He then put me on hold and said he was going to check with one of his " Facilitators. '' I was on this last call for 55 minutes and had an appointment to attend to, so could not hold on any longer. XXXX did come back on the line and said he was still checking, could I hold. I told him I could not, but for him to call me back. He said ( like all others at Barclay ) that they can not make outbound calls, but did give me a number directly to his department.
Identity fraud, data breaches and stolen cards are a major issue. The Barclays CEO and his staff should have this as a top priority. I am not sure he/she is aware of this issue. Perhaps the IT department is isolating this issue from being forwarded up the chain to save their own department personnel. I say this because of the seven or eight people who have tried to help, they were not aware of the severity of the issue.
|
| 10/28/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Taking out the loan or lease
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Web |
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I want to apologize in advance for the length of this summary : On XXXX XXXX, 2016 at approx., XXXX This kind of treatment and discrimination is sick!
I Ordered a XXXX through XXXX, was approved. Transferred to An XXXX representative to verify my identity. The representative from XXXX informed me I needed to confirm my identity through their security verification process. Fine understandable. I was presented with XXXX questions and answered every single verification question timely and accurately. The apple representative congratulated me for being approved through them. Was then forwarded to the Barclay 's security dept. for verification. A Barclay 's rep. named XXXX said it was their policy to also confirm identity with additional verification questions and once these questions were answered correctly I would have Barclay 's final approval. Note : I currently have a Barclay 's credit card in good standing.
First, XXXX asked me for a few of the same information I had just answered with XXXX : Name, Social Security number, address, DOB, Phone Number. I answered every one timely and accurately. XXXX then placed me on a short hold to dig up more security questions, including but not limited to : current county I lived in, past County 's, person 's who lived with me. I was also given a list of questions with XXXX possible answers, previous cars I owned or leased and other questions only that logically only XXXX XXXX ( ME ) could possibly know and again I answered every single question timely and accurately. XXXX confirmed I answered them all correctly.
However, for unknown reason 's, XXXX was not satisfied and continued to question my identity. Therefore, she informed me my application could not be approved until I provided them with my driver 's license ( Front and back ), utility bill, health insurance card, checking account statement and other documents. More surprisingly, she informed me that she was also restricting me current account with Barclay 's. and that until they received the information requested it would remain that way. I said to XXXX ; if your concluding I am not who I say I am and restricting an account I 've had with Barclay 's that is in good standing, then essentially, your concluding that prior credit card account is fraud, therefore I have no obligation to pay. XXXX denied this. I also informed XXXX I never fax or mail all these documents whereas anyone has access to them and could literally take over my identity ( Look what was just exposed with XXXX XXXX, which is NOT an isolated incident ). I did tell XXXX that I could walk into a branch with all the requested information and do a live verification. THIS IS BY FAR A MORE SECURE WAY AND MORE SURE WAY TO CONFIRM MY IDENTITY. However, incredibly XXXX said I could NOT do a live verification at a branch or anywhere else. She demanded I mailed sensitive documents to a PO BOX . REALLY? Are you kidding me.
Please tell me in what world mailing highly personal documents is a more secure, convincing and dependable way to verify a persons identity than walking into a branch or police station?
I informed XXXX that I believed she was discriminating against me because of my XXXX not fitting her description of a female. She denied this and said it was routine. XXXX! I asked her again if I answered every security question correctly, XXXX confirmed I did.
What XXXX could have asked is my XXXX and I would have informed her I am a XXXX. I tried telling XXXX she would have to be on the liberal side to understand, but her mind was undeterred.
I have spent my entire life dealing with my XXXX and the way society discriminates against me.
Please see attached for full summary and documents
|
| 03/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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On XXXX XXXX, I canceled a subscription to XXXX XXXX. I received notification that my subscription will expire on XXXX XXXX. Therefore, I was quite shocked when I logged onto my credit card account and found a charge for a service that has been confirmed is canceled. I even tried to log onto the service to see if maybe they forgot to cancel me despite the email, but I was not able to logon because I do not have a subscription.
Therefore I called Barclay cards. That is who the charge was with, and I figured that they would very easily remove the dispute a charge, since I had proof that I had canceled it, and received a verification. What ensued was so awful, and still unresolved, and it leads to a terrible problem with the company itself. First of all, they want consumers to carry the balance of the dispute a charge for 15 days before they dispute it. There is nothing that's going to change between now and 15 days except that I have to remember to come back and do it. I should not be required to carry a false balance on my account when I never carry a balance, all because they don't want to do their job. Over the course of the next hour and a half or so, I was forced to call Barclay, no fewer than five times, where I spoke with up to seven or eight different agents, all of whom claimed they could not see my previous call. I was forced to both tell a bot my verification information, then repeat it again five minutes later. One agent was in a call center or at home on speakerphone, I'm not sure, but it was so loud that when I asked her to speak to a supervisor, or to somehow help my complaint, and was obviously frustrated, she responded " Ma'am, we do not tolerate profanity. '' I was stunne because I had not used any profanity. But the quality of phone calls was so poor that she couldn't understand some of the words I was saying. I should note that I do not use profanity at all, and I had not even muttered a word as benign as darn, let alone used any profane words. When I protested, she seem to believe me, and realize it had been her mistake, but the fact that it even had to go that far is indicative of the innate problems with this company. They are making it almost impossible to dispute a charge, without a great length of time passing, in which some customers would probably forget that it was there. I tend to pay my balances on a regular basis, so because of that, it looks like I might be paying this balance over the next 15 days and therefore, I'm not disputing it. They need to not only remove this charge from my card, and except the written proof that I have, which no channels even gave me to offer them, and they need to make the dispute process, simple and streamline for all customers. Unfortunately, I have had to dispute charges with other credit issuers, often for similar reasons such as a recurring auto charge after cancellation. NO OTHER ISSUER makes a consumer carry a balance for 15 days first!
All cards will open an investigation the day the false charge posts. Barclay encourages high balances ( which I never carry ) and has almost 30 % interest rates! I am sure they hope I will forget I have been ripped off. No agent was empowered to help. One hung up accidentally, and a supervisor purposely put me on a long silent hold just to make me wait. I hung up, called and applied with a different card issuer for a different awards card, and will be canceling this as a result. However, these unethical actions must STOP. Further, the false charge is still on my account! They are predators who do not practice ethics, and this is not acceptable. I demand the charges be removed and I will not be calling them again -- except to cancel my card!
|
| 01/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
XXXX XXXX XXXX # XXXX On XX/XX/XXXX, My wallet was lost/stolen, while I was visiting XXXX, XXXX, XXXX. There were 3 cards in that wallet and no ID cards : 2 Visa cards from XXXX XXXX XXXX, and 1 MasterCard from Barclays US. There were unauthorized charges on all 3 of the cards.
On XX/XX/XXXX, I received the attached letter from Barclays.
The charges in dispute are the following : XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX {$5700.00} Barclays is refusing to accept my fraud claim due to the following reasons, stated in their response : This decision was made in part ; due to your confirmation that the credit card was in your possession within minutes of the fraud occurring as a parking charge was validated by you. Our investigation confirmed a pattern expensive purchases being made at high end retailers and then being claimed as fraud.
It can be easily verified that the parking charge that is being referred to was made using XXXX XXXX, i.e., it was an online transaction. This, in no shape or form, confirms that the card was in my possession, within minutes of the occurrence of the fraud, as they have stated. Furthermore, the investigator seems to have not paid any attention to the fact that a police report was filed : XXXX Police Report XXXX XXXX/Officer XXXX/Badge # XXXX Under penalty of perjury, this confirms that these charges have NOT been made by me and filing the report and the investigation by the police surely confirms it.
With the statement Our investigation confirmed a pattern expensive purchases being made at high-end retailers and then being claimed as fraud, are you accusing me of fraud? Are you aware of the implications that could have for you in court if and when I sue, when this is proven to be bogus? False accusations could have serious repercussions. With any fraud/transaction dispute claim, especially, when the claim has been approved by the bank, it is my understanding that a full and through investigation has been done, confirming that the charges were indeed fraudulent. Each claim has to also be looked at independently from any other previous claim. Looking at the history of my transactions, it can easily be verified that I have never made any purchases that I have deemed as authorized at a XXXX XXXX or XXXX XXXX. Claims as such, should all have been easily addressed with my filing of a police report for this claim.
I have no complaints regarding the closure of my account. It is Barclays right to close this account due to business justifications. However, there was $ 200+ in rewards value that has been taken away due to this closure, that could have been applied as statement credit to the fraudulent account balance that you are refusing to reimburse me for.
I seriously advise the Barclays Bank to respect the law and reimburse me for the unauthorized transactions made with my card. The reporting of the fraud was prompt, a police report has been filed, and I had never done business with any of these merchants. The parking ticket transaction was made using XXXX XXXX, and not in the form of card-present transaction with CHIP.
If Barclays Bank still refuses to reimburse me for these charges, with the explanation/new information that I am providing in this Letter, I would make it my goal to talk to as many journalists/reporters that are willing to write about my story regarding the banks wrong-doing, creating a PR XXXX for Barclays, as well as suing the bank in court for the fraudulent charges, plus my attorney fees, plus defamation and wrongly accusing me of fraud.
I really do hope that we could solve this matter amicably. Thank you for your time and consideration. Sincerely, -XXXX XXXX
|
| 09/28/2016 |
Yes |
|
- Unsolicited issuance of credit card
|
|
Web |
|
|
On XX/XX/XXXX-XX/XX/2016, my husband and I were celebrating our XXXX Wedding Anniversary at XXXX, VA. While there, we were approached by a young man who asked us if we would be willing to make an appointment to listen to XXXX XXXX XXXX tell us about their XXXX XXXX. We made to appointment for XX/XX/2016. During the appointment we were that it would take about 90 minutes with no obligation to purchase.
At the being the young man who was conducting our presentation said that he needed our Social Security Numbers. I immediately asked what for. He told us that these tours are pretty expensive for XXXX XXXX XXXX to conduct, so basically they do n't want to waste their time if we would n't actually be able to qualify to purchase if we decided we wanted to. I quickly told him that I did not want him to do a hard pull on my credit. He assured me that it would be a soft inquiry that would be harmful to my credit score and that if we decided to purchase, he would go from there. I was very concerned about this and asked him 4 different times if doing this would in any way obligate us to anything. He said no, we would not be authorizing them to purchase or apply for ANYHING!!!
After listening to their sales pitch for 3 hours and touring one of their condos, we decided that we were not interested in purchasing. When we came back from the tour, the young man 's boss came to the table all excited saying that I was highly qualified credit wise and tried to convince me to buy. We told them we were n't interested and that we were finished with the presentation.
Finally, a lady came over who I guess was the exit interview person. She tried again to convince us also. She told us that we could use our {$14000.00} credit card to pay for a portion of it. I quickly told her that we did not have a {$14000.00} credit card and if we did, we would not use it because we are not interested. She went on to tell me that I did indeed have {$14000.00} Barclay Card ( Master Card ) that I was just approved for. I got completely upset and asked her what in the world was she talking about. I expressed to her that in no uncertain terms had not applied for any such thing. She said I did. I became really irate and told I DID NOT!!!
She apologized and said that she did not know what I was told during my presentation, but that I was going to have a Barclay Card ( Mastercard ) coming to my house. She tried to explain to me that it was a really good credit card. I told her I was refusing the card, but she said that I would definitely be receiving it in the mail.
I immediately signed the papers she gave me saying that I was not purchasing anything. The lady was really apologetic and told me the Lord would not allow them to prosper at my expensive. She said God Bless You and we left.
Last Saturday, XXXX/XXXX/16 I received the Barclaycard Mastercard in the mail. On XXXX/XXXX/16 I filed complaints with all XXXX credit bureaus. I know that I could close this account on my own, but that would negatively affect my FICO credit score.
The bottom line is that I DO NOT want this credit card and certainly do n't need it. I have other credit cards at a far, far better interest rate than this lousy 19.24 % Barclay Mastercard that was fraudulently issued to me without my knowledge. I 'm not sure how XXXX XXXX XXXX can get away with doing such a fraudulent thing.
It would be greatly appreciated if the Consumer Financial Protection Bureau could help me resolve this situation by forcing Barclays Bank Delaware to take this credit card back and remove it from my credit report. It is totally unfair for anyone to be forced to accept a credit card that they did not knowingly apply for.
|
| 09/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
Hello, Im writing in regards to my disagreement with XXXX XXXX and Barclaycard. In late XXXX Barclaycard announced that it would be dropping its maximum EQD ( Elite Qualifiying Dollars ) from XXXX per year to XXXX per year ( after XXXX spend ) for its consumer aviator mastercard. At that time I was notified by both XXXX XXXX XXXX XXXX and Barclays personal and business cards customer service, that if I open a business aviator card with Barclycard I would be entitled to XXXX EQDs after a $ XXXX spend and could combine the maximum XXXX EQDs for each card to total XXXX EQDs for the XX/XX/XXXX year. I applied and was approved for the business aviator card late XXXX.
In XXXX I continued my spend as promised and by XXXX I had met the requirements on the personal aviator and XXXX XXXX had been transferred. On the business card I have met my spend by XXXX and they sent a letter to XXXX to notify them of my requirement. I never received the XXXX EQDs from the barclays business aviator card, which was the sole purpose of opening the card in the first place. I was assured throughout XXXX by both XXXX and Barclays that I would be receiving EQDs from both cards. Because they did not post the last XXXX EQDs. I missed out on Executive Platinum Status which is the top tier status.
In XXXX I continued to follow up with Barclays and XXXX as they kept putting the blame on each other. XXXX said that it was in Barclays hands and Barclays said that it was in XXXX hands. No one was of help and although several XXXX customer service agents sympathised with me and said they would escalate the issue no one executive from the program reached out personally as I had requested. I got boilerplate emails saying that I didnt meet the qualifications but in fact I had met the qualifications and fulfilled my duties of credit card spend and flights. XXXX also stated on their website sometime in XXXX they changed their rule so that you can only earn a maximum of XXXX EQDs across all of their branded cards. This was not the case when I applied for my aviator business card nor was I given any notice of this change via email or post. At the time of my application and discussions with XXXX and Barclaycard at the end of XXXX I was assured that I would receive XXXX EQDs from each card for a total of XXXX EQDs for XXXX and this was confirmed to me throughout the year ( XXXX XXXX as well. I fulfilled my obligation.
As a single parent with a XXXX year old XXXX Im quite busy at the moment taking care of so it has been a challenge to find time to sit down an write a comprehensive email.
I hope that this issue can be resolved and my Executive Platinum Status and benefits issued and reinstated as rightfully earned. Most recently Barclays Business Aviator customer service waived the annual fee in order to get this issue resolved and then a supervisor stated that if I close the account I would get my original annual fee refunded from when I opened the card. Recently when calling customer service they continued to give grief and state they would refund the money and then the backtracked. When asking them about call logs from my interactions with customer service Barclays stated they have no records of customer logs. It has been a very stressful and unsatisfactory situation dealing with both XXXX and Barclaycard and their ultimate form of misleading customers in order to obtain business. I should be compensated for the amount of money I have had to spend on their cards to achieve status that I was promised but never received.
I thank you for your time and understanding in this matter and look forward to speaking or hearing from you.
Best wishes and stay safe.
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| 05/02/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
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|
Web |
Older American |
|
My name is XXXX XXXX XXXX, I am XXXX years, and my wife, XXXX XXXX XXXX, who is XXXX XXXX XXXX, are both fully retired and XXXX. We are both XXXX and can not stand up or walk without the help of an aide. To get anywhere, it would require us to order a paratransit as an aide to come along with us.
On XX/XX/2023, my wife and I with the help of our daughter, XXXX helped open a savings account with Barclays Bank. One of the features we liked about Barclays was their mobile deposit feature since we are both XXXX. We deposited my XXXX Check for {$1800.00} and two other cashiers checks for {$88.00} and {$680.00} exclusively. All the deposits were accepted and cleared but we were told that the funds would not be available until the XXXX of XX/XX/2023. We found this very unusual because normally a government check and a cashiers check from another major bank have guarantees on them. But we waited patiently. They did not offer an ATM nor Debit card for their savings account to give us access to our funds. The only option they provided was to link our account with an external bank account. Unfortunately, we did not have another bank to link to. We did have a XXXX account, which has worked for us tremendously. Barclays required a routing number and an account number from XXXX. We have a debit card with XXXX which was very convenient for us. Most banks would prefer using your debit card for payments and transfers. Again, Barclays Bank did not have that option. We only knew the account number of our XXXX XXXX account, but not the routing number. Our daughter looked it up on the internet and discovered that our XXXX XXXX was serviced by XXXX XXXX. We provided our daughter 's routing number and forwarded it to Barclays Bank along with our XXXX account. Thereafter, we were told by Barclay that it would take 3 to 5 business days to verify the external account. We were livid! It takes XXXX less than a day to verify bank accounts. So, we patiently waited again. The following day we received an email from Barclays stating that they could not verify the account and would require a bank statement of the account. We contacted XXXX, which provided us with a Savings Statement from XX/XX/XXXX to XX/XX/2023, and forwarded it to Barclays. A couple of days later, again we received an email from Barclays stating that they require a bank statement from XXXX XXXX and not XXXX. We never said we had an account with XXXX XXXX! Barclays insisted on a bank statement from XXXX XXXX after we stated that we do not have access to such an account but only through XXXX. These went on for days. Since we could not provide a XXXX XXXX statement, they escalated our predicament to fraud and required us to provide a copy of our drivers license and social security card. We did as instructed. We kept calling to verify receipt of our documents. A couple of days later, not bothering to return our phone calls, we instead receive an email stating that our account has been suspended until further notice. We contacted a XXXX Manager and asked if we could do a three-way call with Barclays to verify our account, but Barclays refused to accept the call. We tried to call again and the receptionist that answered the call stated that our account would be closed, and the funds would be sent back to the original issuer! This act is a total violation of our rights as a consumer and as a bank customer in violation of compliance with the terms and conditions of our agreement which requires them to have full disclosure of the status of our account upon request and refusing to communicate with us upon contact and never replied back to our calls or email and refusing to release our funds.
|
| 09/15/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American |
|
In XX/XX/XXXX " courtesy checks '', routinely issued by XXXX XXXX ( although I requested on many occasions for them to be ceased ) were stolen from my mailbox and cashed by someone.
I was informed of this nefarious activity by XXXX XXXX ' Fraud department ( the Bank where they were cashed ), receiving a call on the Monday following the Thursday they were cashed and was informed 3 checks totaling {$6000.00} had fraudulently were signed with my signature and had been cashed by one XXXX XXXX ( who XXXX XXXX had on security camera ). I related to XXXX XXXX I knew no XXXX XXXX and the checks had to have been stolen from my mail box or otherwise she had no way of obtaining them.
I immediately contacted XXXX, who bounced from XXXX, XXXX, XXXX, or some location in between disconnecting me on several occasions throughout that day.
The following day I finally spoke to someone in the fraud department and explained what was going on and they blocked the account and assured me all was well and not to make payments on the {$6000.00} charges ( since my account was otherwise at a zero balance.
I was issued a new card ( which I never received ) and upon letting them know that, still another another card was issued. At the time of the fraud, I told XXXX, once again, to NEVER send our another " courtesy check '' on any of my three open credit card accounts and they told me it would take thirty days to end that practice. I spoke to our local law enforcement who said they really do not go after the felons in these cases.
As this saga continues, in XX/XX/XXXX, I received another form letter from XXXX indicating there had been suspected fraudulent activity on the new card. My belief was although, I had been assured the XX/XX/XXXX investigation had been completed and resolved, XXXX transferred all those fraudulent charges to the new card they had issued - I also receive a letter stating that I had not paid them in 100 days and my account was in collections. I am XXXX XXXX XXXX with excellent credit and have missed one payment in my life. Their ineptitude in handling this manner has caused my FICO score to drop more than 100 points due to a ( seriously delinquent account ). I have made numerous calls to XXXX in the past two weeks that have mostly been handled by their overseas call centers who have a standard manual ( as does their stateside operations ) and no one really has any authority to do anything but bounce me from one associate to another. In fact, when I told someone today about the complaint I was filing, they had no name, just : Office of the President XXXX XXXX XXXX XXXX DE XXXX I was assured today the " courtesy checks '' would cease ( within 30 days, which is what I was promised in XX/XX/XXXX when this was supposedly resolved at that point. I am hoping you can help me clear this matter up and possibly refer me to counsel or let me know if any class action litigation is pending concerning XXXX. If any litigation is pending I will very willingly ( although it is against my nature ) become a plaintiff.
Not only is XXXX inept, but I feel fraudulent in how they handle the distribution of these unsolicited mailings that can be easily stolen and reproduced. I may help to be a voice for the thousands of Americans who are victims of these underhanded practices at the hands of banks with whom they receive credit cards ( by the way, I contacted XXXX in XX/XX/XXXX and have not received another " courtesy check '' which leads me to believe incompetence at XXXX and an almost non existent communications chain that makes it nearly impossible to speak with anyone with authority. Any help you can give me in this matter would be appreciated.
|
| 11/09/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
Servicemember |
|
I went to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA to purchase skateboard parts for my stepson and his friend. Upon arrival during normal business hours, I saw that the store was closed with a sign that provided a phone number for a representative to open the store. I called and spoke with XXXX XXXX, the store owner, and she asked that we meet her at the front door so she could open the store for us. We then found the parts ( trucks ) {$64.00} and went to the register to process the purchase. However, XXXX was struggling to process my credit card and requested to run it multiple times. My stepson stayed in the store, while I walked out to take a call. My stepson then followed me with his parts and was not given a receipt. The store owner then closed the doors giving me no access to go back in for a receipt. Before leaving the parking lot I called Barclays to confirm the charges, since she ran my card multiple times. I spoke with a customer service representative that confirmed there was only one charge for {$64.00}.
A few days later I went to the grocery store and attempted to use my card but was declined. I then called customer service and I was told that my card had a lock due to potential fraud. I called customer service when I got home and was told that my card was locked due to a {$660.00} charge from XXXX XXXX XXXX XXXX. I explained to the representative that the charge was incorrect and shared what happened with the store. I immediately called the store, and the manager did not answer. I then began a text conversation with her where she acknowledged she had made a mistake. See attached text message print.
Ive had multiple conversations with your customer service department about this incident. I called in to the concierge service and spoke with a representative who identified herself as a manager, and she advised me that this would be resolved, and I would not have to worry about this. She suggested that I call back after XX/XX/XXXX because my account would be credited by then.
I subsequently learned that Barclays had sent letters to my old address with a determination that my request to credit the {$600.00} charge was denied due to not having a receipt. When I did receive this letter, I called Barclays on XX/XX/2023, and the customer service rep explained that there had been a decision made and to resend the text messages and to request the dispute be reopened. I immediately faxed a request to reopen my dispute and sent copies of my text conversation with the XXXX XXXX XXXX XXXX where she admits the processing error and stated she would credit the account.
Its now XX/XX/XXXX and there has been no resolution. Ive driven to the skate shop multiple times and the store is always closed. Ive also called the owner multiple times with no response. I do not believe that my dispute has been handled by Barclays with appropriate consideration. I do not understand why my card was flagged by Barclays for fraud, and I am appalled by the misrepresentation of your concierge service representatives. Satisfactory resolution would have been to reverse the {$600.00} overcharge.
I've submitted a letter to Barclays sent to Barclays Card Services XXXX XXXX XXXX XXXX, DE XXXX with this description and a complaint to the FDIC.
Thank you for your attention. Your assistance with this matter is appreciated. See attached text correspondence with Retailer Manager/Owner where she acknowledges the overcharge and states she will credit the account, but clearly lied and upon further research in the community I was told by other consumers that they have experienced same issues and have a history of fraudulent activity.
Best, XXXX XXXX
|
| 11/23/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
Between XX/XX/2018 and XX/XX/2018, my identity was stolen and this person ( s ) attempted to open several new store credit cards as well as use my existing credit cards to make approximately {$20000.00} in unauthorized purchases at retailers including XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXXt and the XXXX XXXX. I have worked with all the retailers to remove the unauthorized purchases, however, Barclay 's bank has dismissed my fraud claim and insists the account opened for an XXXX XXXX purchase in the amount of {$3400.00} is valid.
When I became aware of the fraudulent activity, I immediately contacted Barclay 's bank, which was around midnight of XX/XX/2018. Instead of reporting the account as fraud, the Barclay 's representative closed out the account with NO ACTION. Several weeks later, I received a call from Barclay 's due to a " late fee '' on this account. I spoke to a Barclay 's representative and explained the account was fraud, and they informed me they would conduct an investigation. Several weeks later, I received notification that " the investigation '' concluded that I was liable for the account. I asked for the proof and explanation as to how they came to this conclusion.
I reiterated that I am a victim of identity theft. The other unauthorized purchases were made in the XXXX XXXX area as well. They refused to provide the information and insisted I file a police report. I informed the representative that I was unable to do so because the police wanted to know the location of the crime, date, person, etc. which I do not have the information for.
I reached out to XXXX XXXX on XX/XX/2018, at Barclay 's bank, who referred me to the Office of the President. I was assured my claim would be investigated. Several weeks later, on XX/XX/2018, the representative from the Office of the President, XXXX XXXX informed me that the account is valid and I am liable for it. I again asked for the proof, including the date of the purchase, but she was unable to provide. The " proof '' is that the XXXX XXXX is within 40 miles of my home so it is feasible that I made the purchase. She discounted the fact that there are several other XXXX XXXX much closer to me, including one that is less than 10 miles from my house and that I had my identity stolen. She was unable to provide me with a date or anything substantial from the investigation so that I have an opportunity to dispute. The representative from the Office of the President, XXXX told me she would call me back with the date of purchase, but that was on XX/XX/2018, and I have not heard from anyone since. I reached back out to XXXX XXXX, Head of Corporate Communications, at Barclay 's on XX/XX/2018, and he informed me he would forward the request to Customer Service.
Not surprisingly, I have not heard from anyone at Barclay 's. Meanwhile, Barclay 's is reporting this account as a delinquency on my credit report, dropping my score hundreds of points as each month goes by.
I am reporting the unethical behavior by Barclay 's in ignoring my fraud claim and not properly investigating it. I initially reported the fraud early XXXX, and instead of initiating a timely and thorough investigation, Barclay 's closed the account. It has been 3 months and Barclay 's has not properly investigated this fraud claim. I have spent countless hours providing them with the documentation and had several discussions to verify my fraud claim which they have chosen to ignore. Barclay 's egregious and unethical behavior must be made known to consumers. They should not be allowed to bully me and harass me into paying for an account that I did not authorize or open.
|
| 04/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
My credit card company continued to honor charges from the XXXX XXXX XXXX after I cancelled my subscription. I disputed the charges, but the XXXX XXXX XXXX requires subscription cancellations by phone ( for all but Nevada and California residents ) so there is no documentation to support my requests to cancel my subscription. After {$220.00} in fraudulent charges and 10 months of trying to resolve the matter with both the XXXX XXXX XXXX and the credit card company, I ultimately closed my credit card account. The credit card company would not confirm that additional charges by the XXXX XXXX XXXX on the closed account would not continue to be honored and if honored, I would be expected to pay them. The credit card company could offer no other resolution. The XXXX advertises " cancel any time '' subscriptions on their website. However, there is no actual way, apparently, to cancel the subscription. First of all, cancellation requests must be made by phone call ( except for CA and NV residents due to state law ). Not only do they keep you on the line for 20 minutes trying to talk you out of canceling, they do not keep any record of your call ( even though they say the call is being recorded ) and there is no documentation of any phone call. I called twice, and was told there was no record of previous calls. I was also told that my subscription would be cancelled and there would be no further charges to my credit card. This was a lie. They continued to charge my card and, in fact, after 5 months, increased the charges by 10 times the original amount. The second time I called, I was told they do cancel the subscription, but not until the renewal date. So I had signed up XX/XX/XXXX at an introductory rate of $ XXXX. I called to cancel my subscription in XXXX, XXXX. I was told ( after 20 minutes ) that the subscription would be cancelled and there would be no further charges to my account. In XXXX, as I reviewed my account charges for my taxes, I noticed not only the $ XXXX charges had continued, but in XX/XX/XXXX, the charges had increased to $ XXXX. I disputed all of the charges after XX/XX/XXXX with my credit card company and awaited their response. I had no documentation to provide, because per XXXX requirement, the cancellation had been done via voice phone call. The credit card company initially removed the charges pending review, but then re-applied all of them due to lack of documentation. I then called the XXXX again to cancel my subscription in XX/XX/XXXX. After 20 minutes of trying to convince me to keep my subscription, I was told the same story that my subscription would be cancelled and no further charges made. I have zero reason to believe them. And so, for my own protection, in XX/XX/XXXX, I called to ask for a replacement credit card with a new number. I had been told in XX/XX/XXXX by the credit card company that this would resolve the matter. I had a trip planned that month and did not want to travel without a credit card. So when I returned from travel, I call the credit card company to ask for a new card/number to be issued. I was then told by the credit card company that the XXXX subscription would continue on my new card. I asked to close my account, which I ultimately did, but I was told that even then, it was possible that the XXXX could continue to bill me for the subscription on my closed account and that I would be expected to pay for the charges. How is this legal? Is there literally no way to cancel a subscription with the XXXX? How are there so few protections for consumers? This is unacceptable business practice on the part of the credit card company and the XXXX.
|
| 03/01/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2018 I called XXXX XXXX XXXX Number about a minor issue with my XXXX and immediately called the first number that popped up. I did not even think to question if this was an official XXXX number or not. They sounded official. They told me that critical data was being transferred from my phone to a second computer, located in XXXX, and that I needed to buy an XXXX XXXX gift card for {$100.00}, for which they would immediately refund me the money, in order to properly restore my phone from being hacked. I followed suit and went to XXXX ( where they told me to go ) to buy an XXXX XXXX gift card for {$100.00}. When I read them the number, they said that they were having a minor problem and that their {$100.00} server was not working and that I needed to buy two {$50.00} gift cards, for which I would immediately be refunded the {$200.00}. I followed suit. Then, they proceeded to tell me that they went through but that the cards were expired that I needed to get more gift cards for the total amount that I had previously paid. Then, they proceeded to tell that all the cards at that XXXX located were " old '' cards and that I needed to go to another XXXX location. It made sense because this XXXX was very old. At this point I was transferred to the top billing specialist with XXXX. At the second XXXX, he told that XXXX XXXX gift cards were no longer working with their system, that this had never happened before, and that I needed to buy XXXX XXXX cards. Then, he told me that XXXX stores were not working with their system and that I needed to go to XXXX. Each time, he sounded official, convincing, and like what he was saying was believable. Also, each times the gift cards did not work, he said that he would compensate me for all of my time and money, which went from {$100.00}, to {$200.00}, to {$500.00}, to {$800.00}, because each time I bought more gift cards I had to buy the total amount of everything I had previously bought in order for it to work with their system and for my money to be refunded. In total, I spent {$1800.00} dollars with my XXXX XXXX through XXXX XXXX and {$1200.00} dollars with my XXXX XXXX XXXX through Barclays Bank. All were spent on {$50.00}, {$100.00}, or {$500.00} gift cards for XXXX XXXX or XXXX XXXX at two different XXXX and two different XXXX stores. I immediately called both XXXX stores and XXXX and they told me that I needed to contact XXXX XXXX and XXXX XXXX themselves, which I did. Because the gift cards were immediately used, they said they had no recourse for me. I then filed a police report and a report with the FTC, as well as the Consumer Protection Agency of North Carolina. I didn't question the fact that they sounded like they were from a call center in XXXX, and of course asked them were they were located, which they said XXXX. He told me that he was in contact with the top XXXX official and that if he didn't get me my money back that he would lose his job, so he needed to make sure that that happened. I XXXX the two numbers they used to call me, and that I used to call them on XX/XX/2018 and they came up that they were fraudulent XXXX numbers. Someone had recently tried to sign into my XXXX account fraudulently, and I downloaded a virus onto my computer and had recently had someone hack into it, and was also talking to a call center in XXXX with XXXX about the situation ; thus I did not think anything of this. I am hoping that I will be granted Mercy, understanding that if these previous situations hadn't happened to me, I would not have been susceptible to this one. I am a struggling college student, getting my degree to be a XXXX XXXX XXXX.
|
| 01/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
I have disputed the same credit card charge several times with Barclay Arrival+ Credit Card company. I charged 2 tickets through XXXX for airline tickets to XXXX on XXXX. XXXX charged my card ending in # XXXX {$440.00} for each ticket ( 2 tickets totaling a charge of {$880.00} ). XXXX is an XXXX airline that my wife and I booked ticket on for a vacation ; subsequently due to Covid-19 the carrier suspended all flights and did not give us a credit. I tried to contact the airline but they were not accepting calls, and are now in financial trouble and not offering air service in the United State or XXXX. I disputed the charges with Barclay and explained the airline has cancelled all flights from the airport we were using and we did not get a refund. Barclay claimed they did not have enough information to rule against the airline even though the airline was no longer provided service ... .. I called Barclay and challenged their decision via telephone call, but due to the Covid the agent said they only would communicate via fax, or written interaction.
On XXXX, XXXX XXXX I sent Barclay a 43 page FAX with supporting documents about XXXX.
On XXXX XXXX I called the dispute center at Barclay XXXX XXXX XXXX to verify they were working on my complaint and the agent said " they received my complaint and sent my materials and a letter from Barclay to XXXX on XXXX XXXX. The agent said the airline ( XXXX ) had 60 days or XXXX XXXX, XXXX to respond. If the airline ( XXXX ) did not respond, Barclay would rule in my favor. The agent gave me the Case ID numbers which are XXXX XXXX and XXXX XXXX assigned to the disputes for my reference.
Below is the text from the cover letter attached to the FAX sent on XXXX XXXX.
Dear Barclay ; This is the third time I have contacted Barclay disputing the XXXX charges ( two charges of {$440.00} each for a total refund request of {$880.00} US dollars ) on my XX/XX/XXXX credit card bill. Please add the attached additional documentation to my on-going dispute under consideration as this company has attempted ( documented ) fraudulent practices against it's customers as well as going into financial ruin without refunding customers for flight 's that they themselves canceled and not issuing any credits to it's customers. I am requesting a full refund for for the 2 charges of {$440.00} each for a total refund of {$880.00} us dollars. Please call me at XXXX for additional information or to discuss this dispute.
On XXXX XXXX XXXX I call the dispute center again to see if the airline responded yet and the agent checked the case numbers and said there was no response at this time, but the airline had until XXXX XXXX, XXXX to respond.
On XX/XX/XXXX I called ( which is 2 day past the time frame the airline had to respond ) and the agent said Barclay dismissed my claim and no letter was ever sent to the XXXX because of Barclay company policy. I explained to the agent ( Name XXXX XXXX ) the conversations I have on previous calls. He was not open to listening and said I had no recourse.He indicated the Barclay mailed a letter to me on on XX/XX/XXXX stating the dismissal of the complaint ; Ie a day after the 60 day window the airline had to respond.
I am asking for your support, Barclay has repeatedly dismissed this dispute and has taken a adversarial position.
I have the documents I sent to Barclay and my hand written notes on the contents of my conversations with Barclay. I feel they are not processing this claim due to the overwhelming disputes associated with the COVID-19 pandemic.
I would appreciate your assistance in this matter, Sincerely, XXXX XXXX XXXX.
|
| 01/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Date of Transaction XX/XX/XXXX Amount of Transaction {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, address XXXX XXXX XXXX, XXXX, OH XXXX Phone ( XXXX ) XXXX Bank/Credit Card - Barclays Bank Delaware XXXX I booked the reservation through XXXX. I arrived that the hotel at XXXX local time. I had an issue with the quoted rate, I was annoyed with this, but let it go and checked in. Once in the room for 5 minutes I was able to see the TV was not working and neither was the air conditioner. Here I was done. I went to the front desk to ask to cancel my stay and get a refund. The front desk clerk told me since I booked through XXXX, I had to cancel through there. So, I called them and did so, I have the phone logs to prove these calls. I got a cancellation email showing nothing to be charged at XXXX, I then left.
The charge still came through on my statement so I filed a dispute, with my credit card, Barclays. Dispute ID XXXX. This was opened in XXXX, I asked them at the time I filed it did they want all of my documentation, they said no not now. I got a letter from them saying they could not issue the credit, because I signed off on a cancellation policy. I got this letter on XX/XX/XXXX, it was dated XX/XX/XXXX. I looked over the details of what I signed, and nothing in there mentioned any cancellation policies, I have no clue where this came from, and shows me they read nothing as far as the documents I signed upon check-in. I have copies of all of these.
After getting this letter, I sent over all of the documents I offered to them at the beginning of this. As well as contacting XXXX to show reservation was cancelled, and I contacted XXXX XXXX customer service hotline ( XXXX ). I was given Ref. ID of XXXX for my issue. I have since called this number 4 times, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Over all of the calls the customer service representative talked to 2 different individuals at the hotel multiple times, a front desk clerk named XXXX, and the XXXX XXXX XXXX named XXXX. very single time they have stated they have removed the hold off the funds and they or their bank does not have my money. This was stated again when I called the hotel directly on XX/XX/XXXX and spoke to XXXX, she also informed me she was faxing over the details to my bank, as far as they reversed this charge.
Over the life of the dispute with my credit card company I called them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX I was told my case was closed with out them reviewing my submitted info, so it was reopened. On XX/XX/XXXX I spoke to XXXX who told me the hotel was lying to me and to not talk to them. After calling on XX/XX/XXXX, and XX/XX/XXXX, I was told a supervisor would be calling me with in 48 hours. I still to this day have not gotten a call back from a supervisor.
I was again told on XX/XX/XXXX by XXXX that they hotel was lying to me. I asked her who did they deal with at the hotel, and an they contact them directly to get my credit issued properly, she said we don't do that we only work with their bank.
This has been awful being told different things and no one is trying to help me resolve this. The merchant is flat out telling me, yes we agree you should be credited back and we have done it, and my bank/credit card company is saying no they did not do that they are lying to you. The dispute department at Barclays has been awful from telling me different things, to simply not reading documents sent to them.
I have 3 questions 1 ) Where is my money? 2 ) Can I please have it back? 3 ) Who has been lying to me?
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| 07/20/2016 |
Yes |
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Web |
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I attempted to contact Barclay 's Office of the President as indicated on XXXX website but no resolution was achieved from this.
On XXXX XXXX, 2016 a charge of XXXX was posted to my account that I never authorized. I called Barclays on XXXX XXXX, 2016 to dispute the charge after attempting to resolve this with the merchant XXXX XXXX. I had never authorized the charge to begin with. I was provided case Id : XXXX XXXX I received a letter on XXXX XXXX saying the dispute had been overturned, and the reason was suppose to be attached. However the printouts given to me were completely illegible. I have taken a picture and attached it. If you can read the printout, I salute you. It stated if I did not agree with this decision I should call XXXX. I called that number on XXXX XXXX, 2016 at XXXX EST. The representative confirmed that the paper they did send me were illegible but her notes state that I canceled the service after the purchase and that is why the dispute was denied. I responded that I canceled their service because they sent me a case of wine that i never ordered and billed me for it. They also never sent me any notification that this was coming nor how much I would be charged. Therefore, I was n't interested in being a part of this club. However, that did not take away from the fact that I never agreed to the purchase nor did I authorize it. She said I could have the case reopened, but she can not do it over the phone ( all of this if your calls are recorded can be verified ). That i would need to send a message to have this reopened. She also suggest I contact the Purchase Protection team and try to use that benefit where companies do not accept returns. I called the purchase protection team and they denied the claim saying that wine is not covered under purchase protection.
So I wrote to Barclays, and received a message that said they are unable to help me and I need to call the number mentioned above. The same number who said they ca n't help me and that I should write to them.
I will not be a ping pong ball between departments! I have already done my share and called. I have reached out to purchase protection, I have written to Barclays team. XXXX of those XXXX should be able to resolve this. At the end of the day, I did not authorize the purchase, I worked with the merchant in good faith to come to a resolution, I expect my card to protect me and not make me jump through hundreds of hoops.
The offie of the President called to say they would sign with the Business. Their argument is that it was a membership with Vinesse I agreed to and it was in the terms of reference upon sign up. I responded that the terms of reference included I would be notified prior to any shipment. In fact, I am suppose to be notified 7 days prior to any shipping and billing which the merchant did not do. So if Barclays are going to reference the terms of agreement from the business then it needs to be complete and not just the parts that suits them to not process the refund for the dispute. The representative said there was nothing they could do ignoring the part of the terms of agreement the business violated. SO they picked the part of the terms of agreement to suit the business and not the consumer. The agent said when I use my credit card " you are taking a risk '', I responded that Barclays ' advertises that I would be protected against such risks, it is the reason I pay an annual fee. So the dispute team only refunds the client in the merchants agrees to it, which is not actually protecting the client at all.
I expect the transaction to be refunded and the annual fee to be reimbursed.
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| 11/28/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Upon reading the letter I sent to BarcleyCard, you will know the reason why I chose to file a dispute with BarcleyCard. Initially, I called BarcleyCard to discuss the filing of the dispute and found it was impossible to communicate with their representitives. Their representitves may be able to barely communicate in english, but certainly are not able to understand what the meaning of the words coming out of their mouths actually is. I requested to speak with a supervisor that can actually communicate in english, and was told none are available. Then two days later, a supervisor who can speak english called me, and she provided me a fax number to send the dispute documentation to. I attempted to fax the information to them, as that was the only form of communication they provide, there are no email or mailing addresses they could provide me. I asked the supervisor if there was a way for me to call her back if needed, and she told me I would have to call back to speak with the representitves that can not communicate in english. I told her that was unnacceptable, she said I have no other options.
So, I made the first attempt to fax in the documentation and BarcleyCard 's fax memory was full and it did not accept all of documentation, which I have the fax confirmation to prove. I called back to the non-english speaking representitves, and they told me the dispute was removed because I failed to send in the proper documentation. I attempted to fax the documents the second time, and the documents went through, as I have the fax confirmation to prove that. I then received a message from BarcleyCard that they were going to drop my dispute again, because I failed to send in the documentation. I notified BarcleyCard of their severe incompetance in this matter, and then they sent me a message stating they now have the documentation. Since then, BarcleyCard has sent me multiple letters stating that I have failed to send in the documentation, so they are yet again going to drop my dispute. You will notice in the letters Barclaycard sent me, that they claim they have made multiple attempts to contact me, which is true. However, what they didn't say is that they tried calling me un-announced while I was at work, and couldn't take the calls. When I did have the chance to call back ( within 15 minutes of their call ), the only option was to call back to the non-english speaking representitves, the english speaking supervisors were not able to be spoken to. I contacted BarcleyCard again ( via their website, as seen in the attachements ), and told them I will be filing a complaint with Mastercard.
So, today I called MasterCard to file a complaint, and found out that Mastercard now uses representitves that can not communicate in english either. However, the non english speaking Mastercard representitve was able to tell me that Mastercard will not get involved in the matter or help me in any way, that I had to deal with BarcleyCard only. If you listen to the recorded conversation, you will notice that the representitve had a taunting attitude with me, that Mastercard representitves name was Ther from the XXXX.
Feeling abandoned and completely helpless in this situation, I did a little research and found consumer finance.gov. I will upload all of the documentation to your site to prove everything I have mentioned here. Please help me to get this dispute resolved with BarclayCard as their incompetance is frightening! I can not believe the United States Government allows this stuff to occur! I have many hours of my time invested in phone calls, faxes, and messages, just to get to where it is now.
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| 01/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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From XXXX through XXXX of XXXX, I was employed with a company that contacted me through legitimate business channels to offer me the possibility of employment. The name of this company was XXXX XXXX XXXX XXXX ( XXXX ). After numerous discussions about the employment opportunity, I accepted and signed an employment contract on XX/XX/XXXX. My first day of work was on XX/XX/XXXX. My duties for this job as they were described to me was to purchase high demand products that were specifically order by customers located in other countries that did not have access to these products. I would be reimbursed for the purchase price of these products via an official company bank account with my name listed as an authorized account holder. I would then ship these products to an intermediary that would be gathering products from various employees and ship them in bulk to the customer fulfillment location. After 2 weeks I began to get suspicious of the operation due to the lack of information I was being provided and the questions I had asked that remained unanswered by my superior. After asking these questions repeatedly, every payment that was made from the company bank account was reversed and I was stuck with a large amount of debt. I repeatedly reached out to my superior after this instance and was assured it would be resolved. It was never resolved, and my superior ceased all contact with me and would not respond to my calls, messages and emails. I immediately contacted the credit card companies to ask them how these payments could reverse, and they stated that it was a feature of the bank account that was being used. I was never paid for any work and was left with over {$85000.00} wor I immediately went to the police and filed a police report. I then contacted the police in each city I was sending products to. I was alerted to large seizure at one location and the police were unaware of anything at the second location. I then reached out the to Federal Bureau of Investigation ( FBI ) who informed me that this was a fraud scheme and there were many victims throughout the country. I was informed because the criminals were foreign, it would be highly unlikely for any justice to come to them, and I was best off to contact a lawyer.
I contacted an attorney in XX/XX/XXXX. After explaining my situation to them, they agreed that I should not be held liable for debt incurred and I retained their services to help me in this matter. On XX/XX/XXXX, my attorney sent the first of three demand letters to each of the 3 creditors via certified mail. The second demand letter was sent XX/XX/XXXX and the third was sent XX/XX/XXXX, all letters were sent via certified mail. These letters explained the situation as well as highlighting the banks involvement in the perpetuation of this crime. My attorneys received no response from any of the 3 demand letters to the 3 different creditors. I was told by my lawyers that I had 2 options, sue the creditors to force them to address this issue or do nothing. They told me they recommended that I do nothing. It would be very costly to engage in litigation with 3 separate creditors and it would most likely cost more than the debt itself. My attorneys believed that the creditors knew that they could not collect this debt and therefore would just write the debt off and avoid any legal battle. I have taken their advice and have not heard from any of my creditors. My credit score and credit report have been destroyed. I am unable to receive security clearances for work and have lost out on several employment opportunities. This has completely turned my life upside down.
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| 02/05/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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I have three credit cards with Barclays : An XXXX XXXX, XXXX XXXX XXXX, and a XXXX XXXX.
I Purchased an XXXX using my Barclay 's XXXX credit card in XX/XX/XXXX. They offered a 0 % financing option if it was paid off within a certain time frame ( 18 months, if I recall correctly ).
Later, in XXXX, I purchased an XXXX XXXX using that same card.
I made regular payments on the XXXX credit card. Since the promotional balance from XXXX is expiring soon ( XX/XX/XXXX ) I made a large lump sum payment in XXXX to satisfy that debt in its entirety.
I phoned Barclays to ensure that it was paid in full. I was told by the Barclays representative that it was not. The rep informed me that payments are applied to more recent charges first before being applied to older charges.
I asked her if she could apply my recent large lump sum payments to the next billing cycle. She told me that it was not possible, but she could reverse the large payments and suggested that I just pay that amount the following month. I asked if there were any fees or consequences from doing so, she assured me that there weren't.
I would have paid these accounts down much sooner, but my business shut down due to Covid in XX/XX/XXXX. I was fortunate enough to find well paying work in XXXX of XXXX and have been doing my best to catch up -- I have made significant payments since XXXX to these cards. If I recall correctly, I think I paid about {$12000.00} on the XXXX XXXX XXXX in recent months.
So, I'd assumed all was well.
Yesterday, I received two letters, dated XX/XX/XXXX from Barclays indicating that the credit limit on my XXXX XXXX XXXX was being reduced from ~ {$30000.00} to {$4500.00} and my XXXX XXXX card was being reduced from ~ {$4000.00} to {$3600.00}.
Barclays provided two reasons for this reduction : First : Recent returned check activity Second : Balances too high on revolving accounts Admittedly, I carry a balance on multiple cards, but my income is more than enough such that I'm able to make regular large payments exceeding my minimum balances on those cards. I have NO derogatory remarks on my credit reports and I have NO missed payments -- ever.
However, there are also NO returned checks.
I phoned Barclays, specifically inquiring about the " Recent returned check activity '' I was told by multiple people that it was a result of their reversal of my payments. I explained the situation and was told that there is nothing they can do. I explained that the rep I'd spoken with before had assured me that there would be no problems due to the payment reversals.
Barclays has refused to budge on their decision. They repeatedly cited multiple reasons for the credit line reductions. I told them that I'm comfortable with the " Balances too high ... '' issue, but I wanted an explanation for their decision to punish me because of a suggestion that their own employee made and the suggestion that I'd sent them bad checks.
If they want to reduce my credit because of balances on other cards, that's fine. Send me a letter stating that that is the sole reason for doing so. I want this 'Returned check activity ' removed from my Barclays account and from any credit reporting services.
A successful resolution to this problem will be : *A written statement from Barclays that this 'Returned check activity ' is removed from my records at Barclays *Updated letters stating that the reason for any credit line reduction excluding 'Returned check activity ' *A written statement from Barclays explicitly statingthat this 'Returned check activity ' will be removed from my credit reports with XXXX XXXX XXXX XXXX.
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| 03/22/2017 |
Yes |
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Web |
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My husband and I went on a vacation to the XXXX XXXX to XXXX XXXX XXXX, XX/XX/2017. We had a vacation club plan through them and this was our third visit. While there we there we inquired about renting a golf cart since I have mobility issues and thought that a cart would help me get around. They told us they did not rent golf carts. They told us that if we upgraded our membership that we could get a golf cart every time we came back. We agreed to let them show us around and discuss the upgrade. 4 hours later we were being held hostage in their sales office with a contract in front of us for the upgrade. I clearly told them that I did not want to sign any contract today, that we needed to check our finances to see if we would be able to pay the fees associated with any additional debt. They told me and showed me a line in their booklet that said I had 4 days to cancel the contract. They said that if we were not comfortable with the upgrade to come back before the 4 days were up and we could cancel. I reluctantly signed the contract. We went back to our room and were discussing our finances, checked our bank situation and decided that we were not able to afford this right now. We decided to go back the very next day and cancel the contract. When we did this we were told that instead of {$10000.00} charge for the upgrade that we would incur a {$6600.00} charge, plus " other fees '' to cancel. We started disputing with them about being lied to and misrepresented. They, of course did not see it that way, and denied the accusations. I said that I wanted to warn other tourists to read every word of these contracts before signing with them. I was then told that if I talked to anyone other tourists in the resort about this " You and your husband will be escorted off of our property with our belongings. You will no longer be allowed to remain inside the resort. '' This was day 2 of an 8 day stay. We had no idea where we were on this island. We were warned by our travel agency friends to stay in the resort because the XXXX was unsafe, that we could be kidnapped or murdered. We had been here before so we felt that we were protected inside the gates. Now however, we felt that our safety, even our lives were at risk if we did not do what they said. At this point I started getting scared so I decided to turn my cell phone on and record as much of the conversation as I could. After an additional 2 1/2 hours of trying to work with them to cancel this charge, I was an emotional wreck. I had to go to the bathroom to throw up I was so upset. I have the recording of my husband asking several times to cancel the contract and we would deal with the fees when we returned to the USA. The representative clearly on the recording avoids my husbands questions and badgers us that we will be responsible for the same amount by the time we cancel so why not just let it go. She said that we could make money by selling weeks to other people and sending them to the resort. I was hysterically crying and my husband was a wreck by the time we just got up and walked out of there. NOW I just learned that the credit card company is RCI, a resort affiliate with and directly connected to XXXX XXXX XXXX! I have sent both XXXX and RCI Credit Services several letters and am getting no where with either of them. I just received a bill from the Credit Card Company on XX/XX/2017 that my first payment is due XX/XX/2017. They sent me no other response, no explanation of denial, just the statement. I really need your help. These XXXX businesses are in partnership to defraud people. PLEASE HELP ME! I do n't know where to turn.
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| 12/31/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XX/XX/XXXX Charged 2 airline tickets for {$880.00} transaction posted XX/XX/XXXX XXXX XXXX. Flight was supposed to depart XX/XX/XXXX with a return date of XX/XX/XXXX. On XX/XX/XXXX logged in to check flight status and noticed that they had changed the flight by a day but also kept the original flight as well so in essence had two departing flights one on XX/XX/XXXX and one on XX/XX/XXXX. An email was sent asking for clarification on two different flights. On XX/XX/XXXX called customer service but after two hours on hold the call was dropped. On XX/XX/XXXX another call was made and again the call was dropped after two hours on hold. On XX/XX/XXXX made a third attempt to call and once again call was dropped after 90 minutes. On XX/XX/XXXX a response to e mail was received giving no explanation and only telling us to call regrading the issue which was attempted 3 times already. Per their documents the flight was due to leave XX/XX/XXXX and XX/XX/XXXX however, when we entered the reference number it stated that unable to retrieve this booking. Apparently they cancelled the flight, never responded, and never refunded the money. XX/XX/XXXX reached out to credit card company and was told because of date of original transaction dispute had to be filed by mail. XX/XX/XXXX sent credit card company a package and letter requesting to file a dispute and gave them all the facts. Sent by certified mail and confirmation was received that they got the package. XX/XX/XXXX reached out for status and was told that package wasn't received. Advised them impossible I had proof it was received. Requested supervisor to call back which took days. In the meantime received a letter dated XX/XX/XXXX giving me a case # XXXX advising me that they were investigating. Supervisor XXXX called and also told me that a case was opened and would require two billing cycles to resolve. 2 billing cycles came and went no credit and no response. Called on XX/XX/XXXX Spoke with XXXX ID # XXXX ( after being disconnected twice ) he told me there was no case which I told him was impossible I have a letter with the case # on it. He then found it and told me that they had reached out to the merchant on XX/XX/XXXX and they had until XX/XX/XXXX to respond and if no response I would automatically win the dispute and a credit would be issued to my card XX/XX/XXXX. He repeated this XXXX times. XX/XX/XXXX came and went with no credit. Called XX/XX/XXXX and demanded to speak with a supervisor again was told there was no case. Was told that a supervisor would call me by the end of the day on XX/XX/XXXX. Never happened. Set alarm to call them at XXXX XXXX PST XXXX ET XX/XX/XXXX. Went through the whole story with a rep who again said no case. I asked for ID # she put me on hold and disconnected me. Called back went through the whole story again asked for ID # she disconnected me. Called back again went through whole story with XXXX XXXX XXXX she was going to transfer me but disconnected me for the third time. Called back again spoke with XXXX XXXX XXXX who was most helpful of all so far. Again told there was no case. Apparently instead of filing a dispute they filed only a complaint and basically nothing every happened as the proper dispute was not filed. He tells me that I will have to wait for a call from a supervisor within 10-15 working days and start process all over. To sum it up, I'm out almost {$900.00} for a flight that never took place and getting the total run around from cc company. Because they didn't file this correctly and every person I spoke with makes up stories to get rid of me that is their problem not mine.
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| 03/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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The terms and conditions for getting " XXXX '' status on XXXX via the XXXX XXXX XXXX XXXX XXXX credit card through BARCLAYS bank states : XXXX XXXX, XXXX highest tier of loyalty, offers additional TrueBlue points, benefits and perks. XXXX can be earned by either spending with your XXXX XXXX XXXX Account or flying XXXX. The primary cardmember will qualify for XXXX if you spend {$50000.00} in Net Purchases ( based on purchase date ) made between XX/XX/XXXX and XX/XX/XXXX each calendar year. XXXX is earned, in addition to the XXXX points earned for Net Purchases made on the Card Account or flying XXXX. Net Purchases exclude returned goods and services, cash advances, convenience checks, transferred balances, credits, fees and interest charges. Purchases made through additional cards on the primary cardmembers Card Account ( by authorized users ) will count toward the primary cardmembers qualifying spend. Please allow XXXX weeks for XXXX once you have qualified. Cardmembers who qualify for XXXX will be eligible for the remainder of the current calendar year and the following calendar year. See jetblue.com for full details on the XXXX program.
I made a purchase on XXXX on XX/XX/XXXX for {$940.00} after checking how much I had spent so far in XXXX. I saw that I was a few hundred dollars shy of the {$50000.00}, so I made a {$940.00} purchase on XX/XX/XXXX to meet ( and exceed ) the {$50000.00} threshold for XXXX status. That amount/charge did not post to my credit card until XX/XX/XXXX ( posting date ). The terms and conditions above CLEARLY state that the {$50000.00} must be spent XXXX of the calendar year and that it is based on PURCHASE date, not posting date. The rewards department would not count the {$940.00} purchase towards XXXX and took my XXXX status away ( that I had also qualified for the two years prior. ) They say I only spent {$49000.00}. If they included the XX/XX/XXXX purchase of {$940.00}, I would have been at {$50000.00}.
As a consumer, all I can control is the date I make a purchase. How can I control when a company chooses to run my card or which day it will hit the credit card? It is MISLEADING and a breach of their contract to take my XXXX status away. I spent {$50000.00} during XXXX - I even sent them the receipt from XXXX which shows XX/XX/XXXX as the purchase date.
I have spent hours calling them and I have spoken to about 8 different agents/supervisors/managers and nobody has rectified the mistake. I sent them the above terms and conditions posted on their website which shows it is based on purchase date, not posting date and I sent them the receipt as proof of purchase ( date. ) The official letter I received from the " rewards department '' ( who supposedly looked into my case ), dated XX/XX/XXXX reads : Dear XXXX, This is about your recent inquiry related to your XXXX XXXX XXXX XXXX XXXX account. We're currently unable to assist you with your Rewards issue. Please contact us at the number on the back of your card for additional details. We're available 24 hours a day, 7 days a week. We appreciate your business and look forward to servicing your financial needs.
Sincerely, XXXX I initially called on XX/XX/XXXX because I realized my XXXX status was removed and I had a flight coming up on XXXX on XX/XX/XXXX. I did not have my XXXX status for that flight I took with my husband, stepdaughter and puppy.
The " attach a file '' below is NOT WORKING. I tried attaching a PDF of my XXXX receipt as well as an image of their terms and conditions for XXXX status and I was unable to do so. Please reach out to me so I can email it to you. Thank you!
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| 01/31/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I had submitted a previous CFPB complaint for the exact same issue ( CFPB record # XXXX ). Please refer to and read through this previous complaint for full understanding of my initial poor experience with Barclays. In summary, in order for me to finally be able to use my Barclaycard Arrival Plus World Elite Mastercard, I had to exert an ureasonable amount of effort, and also spend an exorbitant amount of time due to a lack in communication as well as a severe lack of quality on the part of Barclays customer service.
After I submitted my previous complaint, it was addressed by Barclays and, at the time, was resolved. I even received a letter from the Office of the President that clearly stated, and I quote, " We appreciate you sending in the requested documents for verification, and I have confirmed, all restrictions have been removed from your account effective XX/XX/2019. '' ( entire letter attached below ). I was able to charge to my card, in fact I was able to charge over {$5000.00} to this card over the next few months as proven by my credit card statements. Fast forward to last week, when I was attempting to use my card for a purchase. I was trying to link my Barclaycard Arrival Plus World Elite Mastercard to XXXX, in order to pay for a very substantial purchase ( about {$5000.00} ). The card declined, so I called customer service. The representative put me on hold for about five minutes, when she checked back in and told me she was still looking into the issue. This long hold led me to believe that she was reading up on my file, and perhaps was educating herself on all of the previous issues that I had experienced. After another long hold, she comes back on the line and informs me that she has identified the issue.
She then asks me if I recall a request for additional identification documentation back in XX/XX/XXXX, to which I tell her of COURSE I remember and have even submitted a CFPB complaint and had the Office of the President address and resolve. She expressed absolutely no empathy and did not seek to understand or clarify, insisting that I was missing documentation and would need to submit it, with a tone in her voice that implied that I had done something wrong.
At this point you can understand how incredibly frustrated I was, having this same exact issue that I had already spent valuable time, effort, and frustration in resolving six months ago. I had already spent over {$5000.00} on the card since, which she could have easily found if she cared to check my file. The representative could have very easily listened to my story and quickly realized that Barclays was in the wrong, and very easily fixed my issue. Instead, she remained stubborn in her accusations, and I told her I would be calling the Barclays Office of the President. She expressed indifference, at which point I decided it was not worth my time or effort to help her understand, so I hung up. I then reached out and left a message for the last Barclays manager that assisted me the last time, in an effort to give Barclays a chance to make things right. It has been a week with no response, so this is why I am submitting a CFPB complaint as they are apparently the only way to have any real issues addressed by Barclays I do not understand why, after having this exact same issue addressed and resolved, it has come up again. I wanted simply to charge {$5000.00} to the card to earn miles, which I was unable to do that day due to the restriction. With all of this, also please note that I also hold another different Barclaycard and have been an existing customer for almost a year now.
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| 03/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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Barclays issued me a credit card with a {$12000.00} limit. On XX/XX/18, within a few months of receiving the card I was at a bar/ nightclub in XXXX . I authorized and signed for a charge of approximately {$100.00} USD. The merchant refused to provide me with a receipt claiming the printer on the machine was broken. Upon leaving the establishment, I discovered the merchant had charged my card 10 times for {$9700.00}, essentially maxing out the account. Note - they had also attempted to run the same unauthorized charges on my XXXX and XXXX credit cards, all of which were declined by their respective fraud departments.
After spending countless hours on the phone with Barclays and receiving conflicting info with almost every call, it was determined that these charges weren't fraud since I was present at the merchant. Since the first rep I spoke with submitted them as fraud, we had to wait 30 days until that process was complete to resubmit the claims as disputes. For some unknown reason, Barclay 's then submitted dispute claims for only 6 of the 10 charges totaling {$6200.00}. The merchant didn't respond within the 45 day period so the temporary credits became permanent, which was the desired outcome. BUT, when Barclays submitted the final 3 claims ( note 1 claim for {$1.00} was disregarded and written off ) for {$3500.00}, the merchant responded providing receipts with forged signatures and invoices for items that aren't even on their menu. As such, Barclays sided with the merchant on the final 3 claims stating that they provided receipts with my signature, Barclays can't make a determination that they were forged, and I would need to handle outside the bank. The signatures look absolutely nothing like mine, and in fact, don't even look like one another. It looks like 3 completely different signatures.
If you look at all of the evidence, this is one of the most blatant and egregious cases of credit card fraud ( unauthorized use ) and forgery ever. After doing some research on this merchant, I learned that they are notorious for scams and credit card fraud. There are over 50 XXXX reviews all noting similar experiences. They submitted forged receipts, manipulated surveillance footage, and a ridiculous list of items that I had allegedly purchased. Example : 2 entry tickets for approx. {$800.00} each, 17 glasses of champagne for approx {$30.00} each, etc ... Note this doesn't account for the other {$6200.00} that I allegedly spent that night for which they didn't provide receipts.
Ultimately, this merchant took my card, indicated they were running a small amount ( around {$100.00} ), maxed it out with 10 separate charges for close to {$10000.00}, refused to provide a receipt, and submitted fraudulent documentation attempting to prove otherwise. They need to be shut down and flagged by all payment vendors as fraudulent.
My biggest complaint against Barclays at this point is the fact that the bank, a supposed fiscally responsible financial institution, extended me credit and allowed a merchant in a foreign country to max out my card in such and egregious manor without so much as a fraud alert ( alerts WERE activated on my account ) or required second form of authorization. I wouldn't be in this position if Barclays had provided adequate fraud prevention in the first place. I feel this is an epic failure in terms of consumer protection by what I thought to be a reputable financial institution.
I have no recourse other than the merchant dispute and charge-back process. Please help me in recovering these charges.
Thank you in advance for your consideration.
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| 01/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On or about XX/XX/XXXX I contracted with XXXX and XXXX XXXX XXXX XXXX to transport my furniture from Florida to New Jersey. They were suppose to pick my furniture up on XX/XX/XXXX or XX/XX/XXXX. They came on the XX/XX/XXXX with a truck that was half full ; therefore, they put my furniture in storage and said that they would pick it up Monday or Tuesday. During that week, we couldn't get a straight answer to when they were going to deliver my furniture. So I gave them to the following Saturday and called in a dispute with my Barclay Aadvantage Card that my furniture was not delivered ( services weren't rendered ).
Sunday as I drove to church, the company called asking why I disputed the charges and if I didn't lift the dispute, I wouldn't get my furniture. So I called the Aadvantage Card dispute department back and the customer service rep. advised me not to lift the dispute because she had seen people not get their furniture ; therefore, because of her being more experienced and representing her company, I took her advice and kept the dispute active. The moving company which I had put a {$1900.00} deposit down initially and then {$2700.00} on XX/XX/XXXX both onto my Barclay Aadvantage card, both amounts were being disputed, told me that I wouldn't get my furniture until the total amount of {$7200.00} was wired to their bank account and then they would release my furniture.
So, of course, I sent wired the money on XX/XX/XXXX and on a few days after that they delivered my furniture.
The problem is Barclay Credit dispute department paid the moving company on XX/XX/2019. When I asked them why was the money paid to them and what proof was given by the moving company proving the service was rendered. Their response was that the moving company sent them the contract and that was enough proof that services were rendered. My point to them was that no one from their dispute department called, texted, email or mail me a letter asking whether the services were rendered and plus a electronic signed contract is not proof that services were rendered. Therefore, they paid the company extra money because I had paid them in full. They are holding me responsible to pay the {$4600.00} back to them.First of all, had they called they would had found out that the company only brought two-thirds of my furniture back and my husband and I had to fly back down to Florida at the end of XXXX, rent a truck and drive a thousand miles back to New Jersey.
I am upset and disappointed with the credit card company because I feel that the correct steps were not being done to protect me. It is very unfair they would pay disputed amounts out before verifying if the job was completed and still placed the responsibility on me to pay them. Someone dropped the ball and before verify and confirming whether services were rendered, they paid the company because they sent an electronic signed contract.
I have worked with the dispute department and the Office of the President. Both department are standing together that a signed contract is enough proof that services were rendered. The Extra {$4600.00} is my problem to get back from the company which have gone out of business. The dispute department along with me on the phone tried contacting them and the number is no longer in service.
I feel they know someone prematurely paid the company but because the company is nowhere to be found, they don't want to take the lose, so they're passing it to me. This is so UNFAIR and I don't have that kind of money to loose. Your attention in righting the wrong done to me by this credit card is appreciated.
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| 06/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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Dear Sir/Madam, I am writing to file a formal complaint against Barclays for multiple violations of consumer protection regulations as outlined by the Consumer Financial Protection Bureau ( CFPB ). Despite numerous attempts to resolve these matters directly with the company, I have not received satisfactory responses or resolutions. I believe these actions are clear breaches of the CFPB rules and warrant your attention and intervention.
Lack of Communication and Failure to Confirm Debt : The credit card company 's persistent failure to provide me with detailed information regarding the amounts owed and the specific transactions associated with my account constitutes a violation of Regulation Z ( 12 CFR 1026 ), which mandates clear and accurate disclosure of account information and transaction details to consumers.
Delayed Fraud Investigation and Withheld Transaction Details : The credit card company 's unjustifiably long delay in completing the fraud investigation, coupled with their refusal to provide me with comprehensive information regarding the disputed transactions, violates Regulation E ( 12 CFR 1005 ), which establishes consumer rights and protections in electronic fund transfers, including timely investigation and provision of transaction details.
Charging Interest on Outstanding Balance During Fraud Investigation : The credit card company 's practice of charging interest on the outstanding balance while the fraudulent charges were under investigation is a violation of Regulation Z ( 12 CFR 1026 ), which prohibits unfair billing practices, specifically charging interest on disputed amounts during the investigation period.
Failure to Provide Cardholder Agreement : The credit card company 's repeated failure to provide a copy of the cardholder agreement, despite my requests, is in violation of Regulation Z ( 12 CFR 1026 ), which mandates that consumers be provided with a written agreement containing the terms and conditions governing their credit card usage.
Premature Collection Attempts before Initiating Fraud Investigation : The credit card company 's initiation of collection actions against me prior to initiating the fraud investigation violates Regulation F ( 12 CFR 1006 ), which establishes fair debt collection practices, specifically prohibiting collection activities without first conducting a reasonable investigation into the disputed charges.
I have made multiple attempts to address these concerns directly with the credit card company, but their responses have been unsatisfactory, dismissive, or nonexistent. I have diligently maintained records of all communication and correspondences, which I am willing to provide as evidence to support my complaint.
Given the severity and prolonged nature of these violations, I kindly request your immediate intervention and assistance in resolving this matter in accordance with the applicable consumer protection regulations outlined by the CFPB. I believe that the credit card company 's actions have clearly violated these regulations, and I seek your support in ensuring a fair and just resolution.
I would appreciate it if you could investigate this complaint thoroughly, take appropriate actions against the credit card company for their violations, and help secure a resolution that upholds consumer rights and protects my interests. If additional information or documentation is required to facilitate this process, please do not hesitate to contact me at the provided contact details.
Thank you for your attention to this matter, and I look forward to a prompt resolution.
Sincerely, XXXX XXXX
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| 04/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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To whom this may concern, Please see enclosed document from XXXX XXXX. I received a letter from XXXX XXXX stating the information you have placed on my personal credit profile wasnt and couldnt be verified by XXXX XXXX and has been removed from my personal credit profile. Who verified this FALSE information? Either this was an is an ERROR or a LIE a this must be REMOVED immediately. Also please place a FREEZE on my account Ive enclosed a copy of my Drivers License, social security card.
Im writing you once again asking you to remove INACCURATE DEROGATORY items listed below of my personal credit profile ASAP!
This is my final attempt I will be seeking legal action after the notice.
1 ) Barklays Bank Delaware 2 ) XXXX XXXX XXXX XXXX ( account was never late ).
3 ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( account was never late ).
4 ) US Dept Of Education XXXX 5 ) XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inaccurate derogatory information listed above Im requesting be REMOVED ASAP.
XXXX you have violated my rights for the past 2 years, as a citizen I have a RIGHT to have a public record, but as a CONSUMER congress gives me a right to and accuracy, fairness also privacy.
15USC1681 ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
1681d ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless- ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that- ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.
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| 06/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On or about XX/XX/2013, I entered into a cardmember agreement for a Barclays Black Card credit card account with Barclays under an open end consumer credit plan. I later converted the credit card into a Barclays Titanium credit card. The credit limit was set at {$16000.00}.
Barclays has engaged in improper and unfair and deceptive business trade practices. Specifically, it permits a merchant to accept its credit card for purchases without requiring the merchant to issue the credit for returned purchase to the original method of payment used at the time of purchase, and permits a merchant to accept the credit card and then issue a credit towards a different method of payment other than the original Barclays credit that the the consumer used at the time of the purchase. This improper, unfair and deceptive business practice by Barclays has exposed me to financial losses.
For example, if the entire Barclay credit line on my existing cardit card of {$16000.00} was used to make a purchase, and that purchase was later returned to the merchant, Barclays business practice would be to allow that merchant to issue a credit for that returned purchase towards an entirely different method of payment other than the original Barclays credit card used for that purchase, and Barclays do NOT require ANY merchant to credit purchases back to the original Barclays credit card used for the transaction. In other words, the {$16000.00} could be placed on a gift card, or cash could be given, or the merchant could put the amount on an entirely different credit card with another unrelated Bank and no credit for the purchase would ever be placed back on the Barclays credit card by the mechant. This is risky business because it not only exposes the bank to loss but it also exposes me, as a consumer, to financial loss. This also could be used to circumvent the cash advance feature on the Barclay credit card. For example, a purchase for {$16000.00} could be made ( in lieu of a cash advance ), and that the purchase returned to the merchant, and instead of issuing a credit back to the original Barclays credit card used for that transaction, the merchant is free to give cash back or place the entire amount on a gift card, and under Barclays ' business practice this would be acceptable.
Such was the case with purchases that were made with the use of my Barclays credit card with two different merchants. For example, one merchant charged a purchase of {$32.00} towards my Barclays credit card, the merchandise was returned, and instead of issuing the credit back to the Barclays credit card that was used for that transaction, Barclays permitted the merchant to issue a gift card for the return instead. Another merchant charged a purchase of more than {$140.00} towards my Barclays credit card, the merchandise was returned, and instead of issuing a credit back to the original method of payment, Barclays permitted the merchant to issue the credit towards an UNKNOWN credit card number with an ENTIRELY different card issuer, that was NOT mine, and as a result, I was defrauded by the merchant of {$140.00}, and Barclays permitted this to happen without taking ANY actions whatsoever to recover the credit back towards the original method of payment. Again, this business practice that Barclays has engaged promotes merchant FRAUD against consumers, and Barclays aids and abets in it by permitting merchants to engage in this type of deceptive conduct, thereby placing me at a further financial risk.
I am certain that this violates Banking laws, if not, mastercard international regulations.
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| 06/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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There are at least XXXX negative accounts on each XXXX of XXXX credit reports that I have with XXXX and XXXX . I have one with XXXX . After reaching out several times to all XXXX bureaus about these items that were fraudulent on my reports, they in turn reached out to each creditor ( so they say ) with my concern. Within days, my reports came back as verified and accurate. I have requested from credit bureaus as well as all creditors involved to provide me with my handwritten and/or electronic signature as proof that I am the one who opened the accounts per FCRA guidelines. NEITHER companies will comply and is in direct violation of the law. I have furnished a copy of my police report ( XXXX told me to get this year ), ID Theft Affidavit ( dtd back to last year ) showing the accounts were not mine, as well as justified staff opinion letters, and a notarized item letter to address each account in question. All of my legal documents were ignored, and discarded. The credit bureaus/creditors still have not been able to provide me with proper documentation of my signature so that I may move forward in a civil suit against the perpetrator who has used my name and identification fraudulently. That is the main reason why I need this information, but since the companies have failed to provide me with it, now they are in direct violation. According to FCRA sect 6 ( b ) guidelines- Consumer 's signature must be provided as identification method for an account to be declared verified. If it can not be, the report must be fixed to reflect the deletion of the item permanently from the report. Be advised that if there is no resolution to this case, I will be including these companies in my lawsuit as well.The following creditors are in question : XXXX - ( cert letter sent XXXX ) listed XXXX times on XXXX report, XXXX times on XXXX report, and XXXX time on XXXX - all different account numbers. This company has failed to even respond back to my request for the legal contract with my signature.
XXXX XXXX - ( cert letter sent XXXX ) listed on XXXX and XXXX report- responded back with ID theft affidavit/police report which I in turn sent back to them ( still awaiting their response ) Barclays Bank- listed on XXXX / XXXX report- ( cert letter sent XXXX ) responded back without providing legal signature of signed contract. Mysteriously sold the account to an unknown company thereafter. BE IT KNOWN that I shall have no dealings with third party debt collectors, only said original creditors that are listed on my report per FCRA guidelines.
XXXX XXXX aka XXXX XXXX - listed on XXXX / XXXX report- ( cert letter sent XXXX ) responded back with a " typed name '' and using that as my signature. This is unacceptable and does not fit the requirements listed in the terms of the FCRA.
XXXX - listed on XXXX / XXXX report- ( cert letter sent X/XX/17 ) responded back with no valid signature on file for me. Just a " clickable dot '' that was suppose to confirm my signature. They quoted the E-Sign act in which this case would not be applicable having had my identity stolen. As we all know, anybody from any computer can do that. Requested MY ACTUAL signature IAW FCRA and they have not responded back.
XXXX - listed on my XXXX / XXXX report- ( cert letter sent XXXX ) failed to respond back within allotted 30 day requirement.
XXXX XXXX XXXX - listed on my XXXX / XXXX report- ( cert letter sent X/XX/17 ) failed to respond back within allotted 30 day requirement.
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| 06/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX I was charged {$83.00} by XXXX on my Barclay XXXX XXXX for an annual recurring subscription. Upon trying to cancel the subscription with XXXX they were unable to find my account and informed me I would have to dispute the charge with my credit card company. I disputed the charge with Barclays in XX/XX/XXXX and they did not overturn the charge. I submitted an appeal by mail to XXXX XXXX XXXX XXXX DE, XXXX referencing case number XXXX. I never received any response from Barclays on the appeal.
Fast forward to XX/XX/XXXX, one year later, I was charged again {$83.00} by XXXX on my Barclay XXXX XXXX. Once again I reached out to XXXX and they were unable and or unwilling to help me cancel the subscription. Once again I disputed the charge with Barclays. The new case number provided by Barclays on XX/XX/XXXX was XXXX. Having been through this process before without reaching a resolution I decided at the same time I disputed the charge to cancel my Barclays account which I had used for approximately 10 years. Upon closing by account I paid my balance off excluding the {$83.00} which had been disputed.
In XX/XX/XXXX I had not received an update or status of the dispute. However, Barclays did charge me interest of {$0.00} and a late fee of {$29.00}. I called Barclays and explained to them that the only open balance I had was for a charge which had been disputed and I was not responsible for paying for that charge. They agreed to reverse the interest charge and the late fee. I expressed a concern that the same thing would happen the following month and they were not able to provide any resolution.
I have not heard anything back regarding the dispute and in XXXX - XXXX I did not bother to check if I was incurring interest and late fees. I did not feel that I should have to spend my time calling a massive company such as Barclays every single month to tell them to correct their billing statements. I also felt frustrated and helpless because if the dispute was never addressed I would be stuck in a never-ending cycle of calling Barclays every month to fix my account ( remove interest and late fees ).
Not following up with or calling Barclays monthly proved to be a costly decision. I applied for a car loan in XX/XX/XXXX and discovered that Barclays had reported my account as severely delinquent and my XXXX credit score had dropped from XXXX to XXXX. This nearly prevented me from qualifying for a car loan and cost me a significantly higher interest rate.
Once I realized Barclays was reporting inaccurate information to the credit reporting agencies I once again began trying to work with Barclays to resolve this issue. I have received absolutely zero support from Barclays on this matter. I was told by the customer care team I would have to speak to someone in the fraud department concerning this case ( XXXX ). I called the fraud department at XXXX numerous times over the past two weeks and was told each time to call back because their systems were down. I called the customer care department back and explained the fraud department was unable to help me because their systems were down. The customer care department told me they were unable to help me because the dispute was with the fraud department. One customer care agent was able to inform me that as of today, XX/XX/XXXX, the case was still awaiting assignment. I don't know how it is possible the case which was created on XX/XX/XXXX has still not been assigned six months later. But then again this is the same company that denied my first disputed charge and never responded to my appeal.
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| 03/18/2016 |
Yes |
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Web |
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On XXXX XXXX, I initiated a balance transfer of {$640.00} via a telephone conversation for the transfer from my XXXX Credit Card to my Barclays Credit Card. Today I found out that instead of the amount of {$640.00} transferred, the amount of {$5300.00} was transferred. This erroneous balance transfer impacted me negatively as it caused me to go over my credit limit on my Barclays Card. When I contacted Barclays and spoke to a supervisor by the name of XXXX operating ID : XXXX ; I was informed that the phone conversation for the balance transfer was recorded and that she reviewed the recording and found that I had authorized the {$5300.00} transfer when I stated : " transfer the entire balance. '' Now my entire balance on the card was exactly {$640.00}, and I did indeed state ; " transfer the entire balance of {$640.00}. '' She implied that I lied, I told her to play the recording with me on the line so that I can point out to her that I did indeed provide the dollar amount of {$640.00} but she stated I would need a court subpoena for that. When I asked her to justify where the {$5300.00} dollar amount came from when all I had was a balance of {$640.00} she explained that was for the line of credit on my XXXX Card, I responded and stated my line of credit is {$23000.00} on my XXXX card, so where exactly does the dollar amount of this supposed authorization of the entire balance come from. She had no explanation. I told her I wanted her manager to call me and she said she would put in a request and have someone call me within 2 business days, please keep in mind that today is Friday and that I would not have received a call until Wednesday of next week. Within 30 minutes XXXX called me back and said she listened to the entire recording and indeed found that I had indicated only the amount of {$640.00} for the transfer, she apologized and offered to reduce the balance transfer rate from 6.99 % to 0 % and to waive the transfer fee. I asked her what would be done about reversing the erroneous transfer amount and she said I would have to contact XXXX XXXX to request the check of the positive balance be issued to me, deposit the check in my checking account, and then make the payment to Barclays ; all of which can take up to 2 whole weeks. In addition to wasting two hours of my time attempting to resolve the matter, my credit report can be negatively impacted as I am over my credit limit with my Barclays card with this erroneous transfer. Barclays did not offer to adjust my credit line to mitigate the fact that I was negatively over my credit limit, nor did they offer to reduce the balance or apply a credit to bring me under my credit line. All they said was, they report to the credit agencies every XXXX of the month and as long as I get my check from XXXX, cash it and pay it in time before the XXXX my credit report would not be negatively impacted. It is not guaranteed that I can do all this all before the XXXX of XXXX and fully preventing any negative reporting to the credit bureaus.
I would like Barclays to be held accountable for an ERRONEOUS, FALSE, and basically FRAUDFULENT balance transfer. Furthermore, they were quick to blame me instead of working to fix the problem. They caused me an immense amount of stress and anxiety ; accused me and implied that I lied, did not take full initial responsibility, and caused a great deal of time lost in productivity. For all of the above, they should be held liable, and should provide a monetary compensation by reducing my Barclays credit card balance to {$0.00}.
I appreciate your help.
Thank you
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| 09/10/2015 |
Yes |
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- Customer service / Customer relations
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Web |
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My uncle passed away in XXXX. I entered into a contract with a funeral director ( XXXX XXXX XXXX ) for the funeral services and I paid with my credit cards ( Barclay Card US - XXXX XXXX credit card ). After I made the payment, I found out that my uncle had a burial account with XXXX. My uncle 's Financial Guardian ( XXXX of PA ) issued a request to have XXXX send a check to the funeral director for the burial services. The funeral director confirmed to me that he received the payment on XXXX/XXXX/15 but he did n't refund my credit card. He received XXXX payments for the same funeral services. I contacted my credit card company and submitted a merchant dispute on XXXX/XXXX/15. I requested a refund for the {$2500.00} because the merchant received payment via another party ( my uncle 's burial account ) with XXXX. BarclayCard Disputes Team reviewed the case but never contacted me with an update or to request additional documentation before rejecting my claim. The rejection reason given was that the merchant stated he did n't receive a separate payment.
Here are my issues:1. Merchant Disputes process : I submitted my dispute to the General Merchant Disputes Team. I received a letter stating that my claim was submitted but then heard nothing as the claim went through the process. Almost XXXX months later, I checked my statement and saw that the transaction was posted to my account. I called to get an update and was informed that the case was rejected. I asked to have the case escalated and to speak to a manager. The Merchant Disputes Team does not have a process to send escalated calls directly to a manager. The Disputes Relationship Manager submitted a call request and I was informed that someone would contact me within XXXX hrs. I received a call that day but I missed it. The manager left a message directing me to call the General Disputes team if I had a question. He did n't provide a contact name, phone number or attempt to call me back. There is no inbound call option to speak to a Disputes Manager and submit an escalation or complaint. Customers must call General Disputes and request a call back. If you miss the call, you start the process all over again. I submitted XXXX additional call back requests and I received a call back XXXX weeks later.
2. Transaction Refund - When I finally heard from a Disputes Manager, I was informed that they needed proof the merchant cashed the burial account checks. It took me a month to get the documentation and resubmit the disputes complaint on XXXX/XXXX/15. I received a call from a Disputes Manager on XXXX/XXXX/15 ( after requesting a call back ). She informed me that she had reviewed my documentation and she would " approve '' the case and submit a request to have the transaction refunded. She said it may take XXXX or more. When I did n't receive a refund after XXXX, I called and submitted a call back request. I had to call XXXX additional times time to get a status update. Each time I was given a different time frame for the transaction refund ( XXXX biz days, XXXX, and finally XXXX by XXXX ).
The funeral director for my uncle 's funeral stole money from my family. I was unable to resolve the issue on my own without submitting a merchant dispute. BarclayCard showed no compassion for me during this process. They made a difficult and emotional issue even worse. No one took ownership for this case and despite a request for the Exec Office, no one contacted me to address my complaint. I stated that I was formally submitting a complaint and no one proactively contacted me or created a complaint report.
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| 03/23/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX we purchased a real estate " coaching '' program from a company called XXXX ( AKA XXXX XXXX ). The program cost ( in total ) was about {$70000.00} ( {$9000.00} of which was on the Barcalys card referenced in my complaint today. A few months later we realized we had been scammed but there really was no recourse. Because of the XXXX scam we were drowning in credit card debt and in XX/XX/XXXX we pulled out money from retirement accounts to pay down some of the crushing debt. One of the cards paid completely off was the Barclays card for {$9000.00} ( plus interest ). We looked into several avenues to get our money back from this scam but it appeared that their contracts were pretty solid and were shells of what we were promised verbally. In XX/XX/XXXX we reached out the the FTC and learned that the company was shut down after hundreds of complaints just like ours. The FTC and the XXXX receivership advised us to reach out to our credit card companies and file disputes. In total we filed 6 disputes with 4 different credit card companies. ( NOTE : XXXX, XXXX and XXXX XXXX have ALL refunded our money after thoroughly investigating and reviewing the supporting documents we submitted ). Please see below for a timeline of events from here : - XX/XX/XXXX - I called Barclays to find out how to submit a dispute. The Barclays representative pulled up my account and referenced the {$9000.00} charge from XX/XX/XXXX ( the only charge made to the card ). He then advised that I needed to fax in my dispute details.
- XX/XX/XXXX - Faxed in a full dispute statement and supporting documents - XX/XX/XXXX - Received a letter from Barclays notifying me that they had received my dispute documents for the charge of {$9000.00} from XX/XX/XXXX and were processing their investigation.
- XX/XX/XXXX - Received a letter from Barclays advising that " Due to the length of time that has passed since the charge posted to your account, we are unable to take further action '' and they encouraged me to " pursue credit by contacting the merchant directly ''. ( Again, the merchant has been shut down by the FTC which was fully explained in the dispute documents they received ).
- XX/XX/XXXX - Attempted to call Barclays dispute center but was hung up on after waiting several minutes. I then submitted an email asking someone to contact me back regarding the denial through their secure mail system.
- XX/XX/XXXX - A " manager '' from the disputes team called and said that they can not help with disputes on charges older than 60 days. I then advised her that I did my research and there are additional FCBA ( Fair Credit Billing Act ) provisions covering problems with the actual goods or services, aside from billing errors. This is known as the right to assert claims and defenses. In other words, the charge is correct, but the goods or services are not delivered as promised or described. This right can be exercised up to ONE YEAR after purchase. I further advised that the 3 other banks/credit unions had refunded our money and asked why Barclays does not have to follow the same federal guidelines. She said she's not familiar with the guideline and that some banks have different " write-off '' policies. She kept reiterating that it has to be under 60 days and they could do nothing.
After this conversation I feel that the main reason they would not refund my money was because I had already paid off the card and this would be a hard cost to them vs. writing off any debt currently on the card. Barclays excuse to not refund our money not only seems unfair, but illegal.
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| 12/31/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
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- Money was not available when promised
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Web |
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This is the second time I have made this complaint.
Incredibly, the first complaint was not even analyzed by the CFPB.
I can not understand how this institution ( CFPB ) can accept Barclays ' response as true.
Barclays sent proof that the check was bounced and said it wasn't their fault!!!!
Please read the explanation below carefully before closing the case as was done previously!!!
Thanks.
I will briefly describe what is happening with my credit card account.
On XX/XX/2023, I received a correspondence from Barclays offering balance transfer checks My balance on that date was {$0.00}, that is, I owed nothing to Barclays and therefore had an available credit of {$6200.00}.
I then used check number XXXX and filled in the amount of {$5000.00} to use to pay for other credit cards. This check was written in the name of XXXX XXXX, my husband, and deposited into his XXXX XXXX account on XX/XX/2023.
On XX/XX/2023, my husband received a letter from XXXX XXXX, informing him that the Barclays check had returned due to insufficient funds.
I called Barclays and explained what had happened and an attendant informed me that he would check what was happening, as my debt was {$5200.00} : {$5000.00} balance transfer, {$250.00} fees and {$26.00} returned check fee.
After a few more days, I received a statement from Barclays confirming these values.
I contacted Barclays again and the staff were unable to tell me what was happening.
Several explanations were given and no solution was taken.
I made more than XXXX calls to Barclays, spending more than XXXX hours in total with no solution.
I have marked the names of the attendants, time and date of several calls and also recorded the audios.
On XX/XX/2023, I had to pay the minimum amount of {$52.00} from my account to avoid damaging my credit without any solution to the problem.
I did not use the amount of {$5000.00} because the check was not paid due to insufficient funds and I had a debt of {$5200.00} with Barclays that does not exist.
Until today, I haven't found any solution.
I have already received several promises from service managers about solving my problem, but I realize that in addition to the lack of instruction and knowledge of these agents, there is a great lack of desire to solve the problem.
On XX/XX/XXXX, that is, 2 months after the problem started, a service manager promised me that the case would be resolved by XX/XX/XXXX, but nothing was resolved. Again I had to pay the amount of {$52.00} to keep my account in good standing.
It is very clear that the attendants are instructed to be elegant with customers but do not have the ability or desire to actually resolve the problem.
I come to the conclusion that Barclays is stealing from me the amount of {$5200.00} and the attendants are complicit in this theft.
I already sent a letter to Barclays on XX/XX/XXXX with a copy of all the documents proving Barclays ' error, but to my disappointment, I received a response letter from Barclays on XX/XX/XXXX saying : We are currently unable to complete your request.
I can not find any other channel of communication with Barclays to resolve this problem, so I will hire a lawyer and assert my right to expose the fraud committed by Barclays to the media to show Barclays ' lack of interest in resolving the problem.
I will spare no effort to use legal means to prove that Barclays is committing fraud against me.
If necessary and at an opportune time, I will be able to present documents again that prove all of the above.
I remain at your disposal for further details.
XXXX XXXX.
|
| 07/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX Disputes.
XXXX XXXX XXXX XXXX, XXXX Florida Service Dates : XX/XX/2023 through XX/XX/2023 Case Number ( XXXX ) : XXXX Amount : {$4000.00} XXXX Amount : {$210.00} On XX/XX/2023, I file a dispute with Barclays regarding the above transaction. The merchant, XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to provide the services I was charged for. Barclays Dispute Department was sent a XXXX page document, including photos, supporting this dispute. The documents were sent on XX/XX/2023 via United States Postal Service, Priority Mail No. XXXX XXXX XXXX XXXX XXXX XXXX and delivered to Barclays on XX/XX/2023.
On XX/XX/2023, Barclays issued a letter stating " Unfortunately, we were unable to obtain credit on your behalf because the services were rendered for the transaction and the merchant is due payment. '' Barclays position as stated to me is, since my wife and I stayed at the resort, services were rendered.
Barclays findings that The services were rendered for the transaction and the merchant is due payment is flawed. The services of a hotel or resort are not rendered solely based on an individuals stay. Barclays decision not to properly investigate my dispute violates federal laws which protects a consumer who receives " bad services ''. Federal laws also affords a consumer the right to dispute charges for transactions that they were " dissatisfied with. '' The Fair Credit Billing Act protects the rights of a consumer to dispute " bad service '' IF THE CONSUMER DIDN'T RECEIVE THE SERVICE THEY PAID FOR, OR IF THE SERVICE PROVIDER DIDN'T MEET THE CONSUMERS EXPECTATION.
The Federal Trade Commission ( FTC ) also provides a consumer rights and protections with regards to disputing a charge for bad service.
As a consumer, I have a reasonable expectation that a merchant, in this case, the XXXX XXXX XXXX XXXX would provide the services I was paying for, a clean, sanitary, well maintained, functional, and safe villa. XXXX XXXX XXXX XXXX failed to do so, thus invalidating any claim that services were provided and payment was due.
Barclays failed to take into account the merits of the dispute as documented in the XXXX letter sent to their office on XX/XX/2023. That letter clearly shows the substandard and unsanitary conditions which existed at the XXXX XXXX XXXX XXXX. The written and photographic evidence provided to Barclays not only substantiate the merits of the dispute, it justifies a chargeback.
I believe Barclays Bank violated federal laws and regulations regarding the processing of this dispute when it failed contact the merchant, present my complaint to the merchant, request a written response from the merchant, or request a chargeback from the merchant.
Barclays Disputes Department later claimed I selected the wrong type of dispute from their limited list of options. A subsequent letter was send to Barclays on XX/XX/2023 via United States Postal Service, Priority Mail No. XXXX XXXX XXXX XXXX XXXX XXXX and delivered to Barclays on XX/XX/2023, demanding Barclays reopen this dispute a adjudicate it properly in accordance with the laws and regulations regarding the handling of a consumer credit dispute. Barclays refused to reopen the claim and properly investigate it in violation of federal laws and regulations regarding the handling of credit card disputes.
A Barclays dispute manager told me during a phone conversation, Barclays does not have to comply with federal laws or regulations. They only need to abide by Barclays policies. I have asked Barclays bank for a written denial letter, XXXX refused my request.
|
| 07/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
We made online payments to our Barclays credit card via our checking account with XXXX XXXX. Barclays sold our account to XXXX Bank in XXXX, but we were never notified and didn't find out until we tried to use the card in XXXX and it was declined. When I called the company we were then informed of the transfer to XXXX and they stated that we never made our XXXX payment, which we did, but we paid it, the same as always, from XXXX XXXX directly to the account we had on file ( XXXX ).
We didn't receive our notice of the change and a replacement card until XXXX.
The XXXX online payment was for {$400.00} dollars and XXXX never received the funds. The old account number we used to pay to XXXX is no longer attached to an account ( they closed the account when they sold it ) but that's where XXXX XXXX sent the {$400.00}.
XXXX reported against our credit for being late, even after we explained the situation to them. We were left with {$400.00} missing and forced to come up with additional money, not in our budget, to pay them ( we have since paid that account off in full ).
We stated a claim with XXXX XXXX on XX/XX/XXXX to find our " lost '' {$400.00}. Since then we've had 5 communications between us, XXXX XXXX, and Barclay. As our XXXX XXXX repo put it to Barclays on XX/XX/XXXX " XXXX things happened, you took their money and kept it, you took their money and passed it on to XXXX, or you refunded their money. You never refunded it, and XXXX never received it, which means you've kept it. " : The manager on the phone for Barclays admitted a mistake was made and promised to refund the money to our XXXX XXXX account on that date ( XX/XX/XXXX ) ; the rep from XXXX XXXX ensured he had the correct account and routing number.
We were told this could take between 7-10 business days.
Nothing has been resolved as of today ( XX/XX/XXXX ).
We called again today with XXXX XXXX on the line, and they claimed they were " looking into it '' and it could take up to three ( 3 ) billing cycles. A billing cycle is a month, and it's already been 3 months ; they want us to wait an additional 3 months for an answer, and we are tired of the run around and being out the {$400.00}. It's nothing for a bank like Barclays, but a lot for us. If we refused tro pay for 3-6 months our credit would be in the dumpster and we'd have tons of late fees and penalties, but they can hold or money forever and make US jump through all the hoops when the issue is 100 % of their making. THEY sold the account and never informed us ( like I said, we never got the notice and XXXX backed replacement card until XXXX ; the account was sold apparently, in XXXX ). How is it okay for them to do this to us, bue we have no recourse to them.
As a result of their error, we have a missed payment report from XXXX on our credit when we did pay ( just to the wrong people ... because we didn't know yet that the account had been sold.
This last communication with Barclays this morning was the final straw for me. I want someone to hold Barclays accountable for the {$400.00} they took from us and I don't want this to happen to other people. This whole situation is incredibly shady.
XXXX wasn't any better in this situation as their customer service number has, for months, gone to a dead-end voicemail, and it took weeks to get a human on the phone one-time, only to be told they never received our payment. Almost immediately after, all their systems have " been down '' ... and they're " working on it ''.
The main issue is with Barclays who still have our {$400.00} three months later.
|
| 12/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On appropriately around XX/XX/XXXX I received notifications from my credit bureaus ( XXXX and XXXX ) that there was an 30 day late payment posted on my credit report by Barclays Uber Credit Card. First, I was really shock and lost of words thinking somehow I forgot to set up online automatic payment for Barclays Uber Credit Card to take the minimum payment out of my checking account. At the time, I didn't check my XXXX checking account to see what date did the payment go through. I have over 21 credit cards ( personal and business ) and they're all in outstanding payment status, I never missed a payment on ANY of my credit cards, ever. All of the accounts are set up on automatic payment.
As I was getting ready to contact Barclays Uber Credit Card about the late payment notification, on the other side of the world ( XXXX ) I lost my XXXX, XXXX, XXXX and two XXXX at a XXXX XXXX XXXX. i immediately flew out to XXXX to burry my family and forgot about reaching out to Barclays Uber Credit Card.
On XX/XX/XXXX, I returned back to the USA from dealing with my family deaths. On XX/XX/XXXX I reached out to Barclays Uber Credit Card through online customer service still thinking somehow I missed making the payment or setting up my for automatic payment. I asked for Goodwill forgiveness for making a mistake on the payment. I stated on my letter that I think there was an error on that payment. There was no way I was going to miss making my credit card payment. I'm very on top of my credit. I was told that I have to write a report to Barclays Dispute Address : FCRA Credit Bureau Disputes XXXX. XXXX XXXX XXXX, DE XXXX explaining my situation and if I have any proof ( i.e. Portion of consumer report, police report, fraud, or ID theft affidavit, court order or statements ) I should send it with the letter to that address and they will take 30 days to investigate and get back to me.
On around mid XX/XX/XXXX, I started doing my own investigation before writing a dispute letter to Barclays Uber Credit Card. During my investigation, I have discovered after restless day and night of going through my payment history as well looking through my checking account bank statements that MY PAYMENT WAS NOT 30 DAYS LATE as it was reported wrongfully to the credit bureaus. On my bank statement ( ATTACHED ) you will see that a payment of {$130.00} was posted on XX/XX/XXXX ( Less than 30 days late ). However, according to Barclays Uber Credit Card XXXX statement ( ATTACHED ) you will see that same payment posted on as XX/XX/XXXX ( WHICH IS CLEARLY WRONG ).
On XX/XX/XXXX and XXXX, I disputed incorrect payment history with Barclays Uber Credit Card, XXXX and XXXX. I attached and mailed the bank statements as proof of the accurate payment date and other evidence. I waited for over an month to hear back from Barclays Uber Credit Card and the credit bureaus. After waiting so long I finally received an correspondence from XXXX, XXXX and Barclays Uber Credit Card stating that the information on my credit report provided Barclays Uber Credit Card is accurate and there's nothing wrong.
I'm not sure how this can be true? I clearly sent all the information needed as proof of evidence ( bank statement ) showing that payment history is wrong. I'm not sure why XXXX XXXX statement it shows that Barclays Uber Credit Card took the payment on XX/XX/XXXX ( which is before the 30 days late payment ) but Barclays Uber Credit Card posted the payment as on XX/XX/XXXX. This most likely seems like a technical payment issue with Barclays Uber Credit Card and XXXX XXXX.
|
| 11/17/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/XXXX18, I discovered a credit card payment of {$25.00}, that I did electronically through my bank on XX/XX/XXXX18, went to the wrong credit card company. I contacted that incorrectly paid credit card company on XX/XX/XXXX18 explaining to them what happened. I asked them to send the money back to my bank. They said they could not. I asked to speak with a supervisor who said I needed to have the bank " initiate a reversal. '' My bank said they could not do that since the payment was made through a clearing house ( 3rd party ). I called BARCLAY XXXX REWARDS VISA SIGNATURE credit card back ( who is the wrong company I made the payment to ) & spoke with another supervisor who gave me 2 options : 1 ) Try again to get the bank to initiate the reversal or 2 ) Wait until the payment I sent to Barclay for my payment dueXX/XX/XXXX18, to be posted to my account ( which I paid in FULL ) & then call Barclay back & then they can issue a refund check to me. I did call my bank a 2nd time & this guy checked with his manager & confirmed that there was no way they could ask for the money back since I initiated the payment & the clearing house sent it.
XX/XX/XXXX18, I checked my credit card account & it showed the FULL AMOUNT owed for XX/XX/2018 was posted to my account. I called Barclay & asked to get the refund check. The rep said he couldn't do that. I asked for a supervisor. I was told they were ALL in a " meeting '' & no one was available but he could request a supervisor call me back within 24-48hrs!!! I told him that was unacceptable especially after all the time I spent yesterday with Barclay trying to get this resolved! Finally, XXXX was the supervisor who came on the line. She said she was going to try to initiate the refund check & put me on hold for quite a few minutes-twice. Then the " Hold '' turned into a dial tone. She HUNG UP ON ME!!! I called back & spoke with another girl who would not connect me to XXXX until she knew what my issue was. So I went through the whole story with her too! After which she said in the " notes '' of my account, it looks like XXXX initiated the " Investigative Team '' to take a look & within 25 BUSINESS DAYS, I may see the refund check. I told her that was unacceptable & needed to talk with XXXX. Then she said she couldn't get XXXX but XXXX was available. XXXX did her " review '' of my case & said she was sorry that I had been INFORMED INCORRECTLY by those other supervisors & I WILL NOT BE GETTING A REFUND CHECK. I told her to look at my account history because since I have had this credit card, I ALWAYS PAY ON TIME & IN FULL EACH MONTH. Therefore that random payment they received on a random date for a random amount of {$25.00} on XX/XX/XXXX18, when the payment wasn't due until XX/XX/XXXX18 for the amount of {$2900.00}, was CLEARLY a MISTAKE & should be returned to me. Especially since we both could see that Barclay posted the amount due as received on XX/XX/XXXX18. XXXX finished our conversation by stating I WILL NOT BE GETTING MY MONEY BACK.
I have NEVER had such HORRIBLE CUSTOMER SERVICE with any credit card company as BARCLAY!!! The other companies have always provided very good customer service as well as do their best to RESOLVE any issues I've had in a way that is acceptable to me-not " can't do anything for you, this is our guidelines we have to work under. '' WORST CREDIT CARD COMPANY EVER WORST CUSTOMER SERVICE EVER They basically stole my {$25.00} even though I paid off my XXXX payment & are applying it to my next bill that is not even due until XX/XX/XXXX18!!! WRONG WRONG WRONG
|
| 07/24/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I applied for the Barclaycard Ring Mastercard during the week of XX/XX/2018. My main attraction to this particular card was the 0 % intro APR for 12 months on balance transfers made within 45 days of account opening. I was looking for only credit cards that offered the 0 % balance transfer fee. I applied and was approved for this card via email on XX/XX/2018. I received my card in the mail on either the XXXX or XXXX of XXXX. My terms and conditions inside the envelope were different than the ones I applied for. I had a low interest APR of 10.74 %, however, I saw nothing about the 0 % intro APR on balance transfers. So when I called to activate the card, I asked someone about the offer I thought I was receiving. At first, the woman I spoke to says there was no offer for 0 % and that I would be paying the 10.74 % on the balance offer. I explained to her that I only applied for this card for the 0 % APR. That offer was and still is on their website ( as of XX/XX/18 ). The representative spoke with a manager and they were able to resolve the issue. She proceeds to tell me that initially, we will process the balance transfer with the 10.74 % but after they do everything on there end, ultimately after maybe a week or so, the APR will be the offer rate of 0 %. I was happy about this. Confused as to why it took all of this work for an offer they still have advertised on their site, but happy. So yesterday, XX/XX/18, I was prompted to call Barclaycard because the card company I was transferring the balance from emailed me to make my monthly payment soon. So I checked my online account with them to see if the balance had changed with the balance transfer since it had been a week. They told me when I did the transfer that it would take between 7-10 business days. When I called to see what was taking so long, I was told the same thing I was initially told that there was no offer for 0 % available. So me and the new rep ( XXXX, ID : XXXX ) go back and forth for a little while about the issue and I tell her that all of this information should be in my notes. She looks and says that I was correct but what actually happened was my case was sent to the escalation team and they had to approve the change and they didn't. So now I am infuriated. The first rep I spoke with NEVER told me that her actions needed to be approved. I was under the impression that her supervisor gave her the authority to complete the task and that all of this was done. Someone is obviously wrong at this point and they are taking me in circles at this point. I don't even want the card anymore. So she creates another case. I ask to speak with the escalation manager that denied the request in the first place. In order to do that, the person would have to call me. She calls me on XX/XX/18. Her name is XXXX and she is the Escalation Manager in the Nevada office ( ID # : XXXX ). XXXX and I go back and forth because she tries to tell me basically that there is no offer for 0 % intro APR and and that they will have to send this case to the back office for investigation to see what was actually offered when I applied. I didn't feel like she was understanding my frustration or trying to make the situation right as a manager. SO AFTER OF ALL THAT, I still have to wait up to 30 DAYS for the back office to investigate this issue and make a ruling on how they are going to proceed. To me, they should honor the offer I applied under. PERIOD. The offer is still on the website as of today, XX/XX/18. They are false advertising this offer for more applications and I will not stand for it.
|
| 01/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Disputed Charge ( never received merchandise ) - Barclay Bank Delaware XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXXXXXX XXXX I ordered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The woman I spoke with identified herself as the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and said I couldn't over thXXXX XXXX XXXX XXXX XXXX but I could give her my credit card information over the phone. She said the full price, including taxes and shipping, would be {$27.00} and that I would receive the key in the mail by XX/XX/XXXX ( I needed it to get access to mXXXX XXXX XXXX which had been locked in a trunk I didn't have the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe XXXX did not arrive by XXXX or XX/XX/XXXX. I phoned XXXX XXXXXXXX again the evening of XX/XX/XXXX and asked about the XXXX. I was told it would go out in the mail the next day ( XX/XX/XXXX ).
- On the evening of XX/XX/XXXX I phoned XXXX yet again to confirm the key was sent by XXXX XXXX, and " XXXX XXXX XXXX '' told me the key hadn't been sent, " it's on backorder, '' but that XXXX would still get it out to me within a few days.
- At that point I realized I was going to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I made arrangements to have a replacement key mailed to me by another vendor. I received the replacement key on XX/XX/XXXX and was able to get access to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
- On XX/XX/XXXX I contacted Barclay Bank Delaware - Barclay Frontier to advised them I had not received the merchandise I had ordered from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They removed the charge of {$37.00} ( you'll note, this was not at all the fee I was told over the phone ) as I HAD NEVER RECEIVED ANY KEY from this vendor.
- On XX/XX/XXXX I noted that Barclay Frontier had added the charge fof {$37.00} to XXXX XXXXH back onto my account. I contacted Barclay Frontier at XXXX XXXX XXXXXXXX and was advised that there was nothing the agent could do about it. She provided me with another number : XXXX and told me I could dispute the charge through this number.
XXXX XX/XX/XXXX I contacted this number at XXXX XXXX XXXX XXXX XXXX ). I spoke with a BARCLAY FRONTIER agent who said she was sorry about what had happened but unsure how to proceed. I asked her to remove the charge as it was fraudulent, I had NEVER -- NOT in XXXX MONTHS - received anything from XXXX XXXX The agent said she would file a complaint to have the charge removed.
XXXX XX/XX/XXXX, I reviewed my Barclay 's account online and the charge of {$37.00} from XXXX XXXX continues to be listed. I have never received any merchandise from this business.
-This charge is THEFT. It is also abusive to treat good faith customers with such utter contempt and disregard for both their time and money.
** I have attached a screenshot of my transaction on my Barclay Frontier card current as of XX/XX/XXXX taken from Barclay Frontier website which shows that the charge of {$37.00} to XXXX XXXX has been added back to my account. The charge is dated XX/XX/XXXX and stands out from the other, current charges made in XXXX XXXX. My XXXX statement from Barclay Frontier shows that I was previously credited for this fraudulent charge, but fortunately I noticed that this fraudulent charge was added BACK to my account by Barclay Frontier in late XXXX. They never notified me, simply attempted to steal money/perpetrate fraud on my account.
|
| 07/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
I have an credit account with Barclay and there have been a couple of ongoing issues. The one that has presented problems and has affected my credit with an unauthorized charge by XXXX XXXX XXXX on XX/XX/XXXX for {$200.00}. I called and spoke a customer service rep XXXX and explained that XXXX XXXX XXXX had been taken off the auto-pay as of XX/XX/XXXX, over a year prior to this charge. Therefore the charge on XX/XX/XXXX was not authorized due to litigation with XXXX. I received a letter dated XX/XX/XXXX stating the company 's investigation had been conducted and found that I benefited from these charges. I call and sent a letter dated XX/XX/XXXX repeating the prior that XXXX XXXX XXXX had been canceled on XX/XX/XXXX and the charge on XX/XX/XXXX was not authorized and there was no benefit gained by me. I enclosed another copy of the letter confirming the account does not have enrollment in the auto-pay. On XX/XX/XXXX I called and spoke with XXXX and charge was still be reviewed, under investigation. No updates available yet. On XX/XX/XXXX I called and spoke with XXXX and he stated the charge was still under investigation and I should receive a letter shortly. XX/XX/XXXX I spoke with XXXX and no action had been taken as it appears to be stuck in the system. XXXX will send it to upper management for review again. Should get response in XXXX business days. On XX/XX/XXXX spoke with XXXX and he attempted to connect me to dispute manager and the connection was not complete. I did receive a call from XXXX on XX/XX/XXXX and by this time my credit has been affected for late payments that should not exists. As a side note the card has always been paid in full within the same pay period and had not been late until this disputed charge. I was referred to the credit dispute department. She asked for me to fax a copy of the letter in which the auto-pay has been canceled. This had been attempted to be faxed to XXXX and the fax would not go through. Spoke with XXXX and she gave me another number to fax to XXXX, the fax would not go through on this number either. On XX/XX/XXXX I was told I would have to mail it it. This was done on the same day. By this time XXXX XXXX XXXX had attempted to charge my card and the charges had been rejected. The charge from XX/XX/XXXX still is on my card. I was given a case ID XXXX and a received a letter on XX/XX/XXXX to let me know they are investigating the charge and the incorrect reports against my credit. Next I receive a letter dated XX/XX/XXXX that it had been too long since the charge was made and a dispute made. I called and spoke with XXXX on XX/XX/XXXX and he stated there is nothing he can do as the case has been closed since it had been too long for a dispute to be made. XXXX was transferring me to a supervisor and the call was never connected. I called back and had to leave my information for a supervisor to call me back within 24 hours. Received a letter dated XX/XX/XXXX ; with no information on the letter and stated if we disagree I could call them. There was no phone number nor name on the letter. On XX/XX/XXXX I called back and spoke with XXXX. he placed me on hold for 20+ minutes. He stated his supervisor will call back that day or the next. As of XX/XX/XXXX we still have not received a call back and the charge is still on my card. XXXX has since attempted to charge against this card and the charges have been rejected as they are not authorized to charge.
Please help me get this charge reversed and my credit report corrected. I appreciate any help or direction you can give me.
XXXX XXXX
|
| 08/13/2016 |
Yes |
|
|
|
Web |
|
|
This item, a hard inquiry on my credit report that was pulled on XXXX XXXX XXXX, is inaccurate because I already had a hard inquiry pulled on XXXX XXXX XXXX when I first applied for my credit card. I am requesting that the item be removed to correct the information.
On XXXX XXXX XXXX I went onto the Barclays website to see about requesting a credit line increase. While going through the process of requesting an increase online, I was taken to a new webpage that said there was a system error and that my request could not go through. It told me to call customer service at XXXX to speak with customer service to request an increase over the phone. Because of this error, I did not try to submit another request and instead just wait to speak with customer service at a later time. After trying to read more information about the error issue, I learned that requesting a credit line increase may affect my credit score. Since I had just received a hard inquiry on my credit on XXXX XXXX, I decided to wait until Barclays increased my credit line on their own to not jeopardize my score. I 'm not sure if the error was a Barclays website error or perhaps an internet issue on my end, but I was and still am certain the request did not go through. I never received confirmation by email, phone, or mail that my request went through. I was also never informed of a decision.
I later received a credit report alert that a hard inquiry was pulled and this is where I was notified that my credit was checked and apparently the request did go through on Barclays ' end. I tried emailing Barclays through my account message center and have also written numerous letters. In this time I have not received adequate help and a proper investigation was not done. I have been disputing this issue since XXXX XXXX. After writing another email in the message center, I called Barclays Bank to try and speak to a manager or supervisor. I spoke with a Barclays Bank manager named XXXX on XXXX XXXX XXXX at XXXX about this issue. XXXX explained that the request did go through on Barclays end however that Barclays ' policy is that typically when someone requests a credit line increase within 30 days of their account opening, that a hard inquiry is pulled. My account was opened XXXX XXXX and I tried to request an increase on XXXX XXXX. That 's over 30 days. According to their policy, this inquiry should therefore be removed.
XXXX explained that as a manager he could n't retract a hard inquiry on someone 's credit report. He suggested I try writing to the credit bureaus and possibly try contacting the Federal Trade Commission. I have contacted both and so far have only received a response from XXXX, the credit bureau that has reported the unauthorized hard inquiry on XXXX XXXX. XXXX said I should contact Barclays, the creditor, about removing the inquiry as the creditor is the only one that can do that.
In my last dispute letter to Barclays on XXXX XXXX, XXXX I enclosed a call detail record from XXXX XXXX so they could see I spoke with Barclays about this issue verbally. All written conversations are available in the message center and hopefully all mailed letters have been added to my account by their team.
I have yet to hear back from them in regards to my last letter. However, I am aware it takes up to 30 days. I 'm not sending in a complaint about not hearing back from them. I am sending in a complaint because I have been fighting this issue for months and know they will continue to ignore their own policy and not remove the incorrect and unauthorized hard inquiry.
|
| 04/06/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
I was laid off from my job due to COVID in XXXX of XXXX and have only just gained employment to begin XX/XX/XXXX. I kept all my bills paid but was struggling. Barclays offered a program to delay payments for 3 months ; as long as you are current on payments a current status will continue to be reported. I made a payment and first applied in XX/XX/XXXX. One odd thing to note was they did not provide a confirmation you were enrolled. I remember feeling frustrated, but I was grateful for the relief. On XX/XX/XXXX I was checking my accounts and noticed I have a late fee for my XXXX payment.
I contacted them and they said they don't have me in the program nor could they find a record of speaking with me. This was very frustrating. I was trying to do what I should to keep my credit in a positive standing and communicating with them openly. I was told I had to be current to be enrolled so I make my payment for XXXX, ask for the late fee to be removed ( couldn't be since it won't show up on the next statement? Seemed fishy ) I'm enrolled once more. I have to listen to the long script again. Again, no confirmation email.
XX/XX/XXXX the exact same thing happened again. I submitted a complaint through their site demanding a manager reach out to me to resolve the matter. On XX/XX/XXXX I am once more enrolled in the program. I told them I had zero faith that it actually went through, but I found was still reporting current in XXXX, XXXX, and XXXX.
I received an email on XX/XX/XXXX that my relief had ended and my payment was due on XX/XX/XXXX. Great, not a problem.
XX/XX/XXXX I received another email to call about options and suggesting I use a tax return to get back on track. XX/XX/XXXX another email saying the same. Another email on XX/XX/XXXX repeating the information. Then they began calling around 4-5 times a day.
Today, XX/XX/XXXX, I answered the call and the man on the other line from Barclays said my relief had ended on XX/XX/XXXX and I was past due and was trying to get a payment. I explained that I understood that based on the email and my payment wasn't due until the XXXX. I hadn't pulled up the email to confirm yet, but he insisted I needed to make a payment. Feeling very frustrated over being harassed, I retrieved the email to read word-for-word what it said and that in plain black and white he was indeed harassing me. I kept my records and knew that they were within the number of times they could call me. However, they should not do this until after the due date. He asked for payment and I told him would pay through the application prior to the XXXX. He asked how much I'd be paying. I told him I'd pay at least the minimum and would be paying it off as soon as possible. The balance only remains because I was laid off due to COVID. I requested they no longer contact me by phone in the future.
Now in the past, I had excellent payment history and only had issues when they failed to enroll me in the program THEY advertised MULTIPLE times. Their treatment and handling of this situation is wrong and is harassment. Barclays has taken a situation that could have earned them accolades in their approach, but instead have made an incredibly stressful time in my life even more so.
I've attached screenshots of the email and my account showing that I don't have a payment due until XX/XX/XXXX and my showing the balance is not at such a level that would warrant this aggressive approach. I would pay completely in full if that was an option, but obviously, my income was disrupted. I have had XXXX income during this time.
|
| 06/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Moving from XXXX to XXXX, I hired a moving company from XXXX in XXXX. They had a company name and gave an original quote of {$1800.00}. It went up then to {$3300.00} by them adding the piano and other costs. On arrival, it was a u-haul, no named crew. They refused to give their names. They insisted on more cash for extras. Under duress, had me sign unfilled out papers, contract, that they would not sign or give names. The price went up to {$9300.00}! I was forced to give them the Barclay charge card for {$4100.00} or I " would not see my stuff again. " They picked up on Thursday, promised to be in NC on the following Tues. They told me to have a bank check or cash for {$4300.00}. I had a bank check ready.They never showed up for the whole week. I had three phone numbers from them that I called continuously. I left messages and no calls back, and a disconnected number. I ended up flying back to XXXX. When I arrived back on Friday night, someone called in a muffled voice saying he was the mover, would not give his name, said he would be in XXXX on Saturday morning at XXXX and I better have {$4300.00} in CASH or I wouldn't see my stuff. I had to go back to my credit union, who fortunately was open until 7 that night to get the bank check turned back into cash. I got on a plane from XXXX back to XXXX to be there for their arrival. No one arrived at XXXX in XXXX. I again tried the numbers, no response. I called the police in XXXX. They said if they arrived, to call them if there was a problem. Upon arrival, it was a different crew, this time in a XXXX truck. Again, would not give names. They wouldn't turn truck off until they got the cash. Then insisted on more cash to get my piano off the truck. They threw my boxes, crushing everything. They broke all my furniture. When I tried to take pictures with my cellphone, I was shoved and they grabbed my phone, deleted everything and threw the phone. I called the police who came. I have a police report.
When they left, they wanted more cash, but I had none left. The garage door was broken, ending up in an {$1800.00} repair. All of my antiques were smashed and had to be thrown out. Most all of the boxes were crushed and thrown in the garage and I ended up having to hire another company to help me move the boxes to their appropriate rooms. I have pictures of all of this. I have no numbers to call this company! On XXXX XXXX, it says they are out of business and others were scammed by them in the same way. They obviously have my {$4300.00} + cash that I gave them but I asked Barclay to put a stop payment on the {$4100.00}. Barclay originally did, but has since decided to pay them! I don't know how they have any contact information from them.
I sent Barclay all of the information, the reports, the pictures, etc. about 30 pages of information. The reason they said I still owe them is because they said the company performed their service!!! I asked Barclay who made that decision, and they said I was not privy to that information. When asked to reopen the case with the new information, they sent a letter saying they still would not refund me the money. I don't understand how the moving company can get away with this, which is despicable at best, but more likely criminal. Then immediately after, they stole that credit card number and made fraudulent charges all over the United States so Barclay had to reissue a card ( those charges they withdrew ). MY bigger issue is how BARCLAY is not standing behind me, the consumer, and protecting my rights!!! That is why I need help.
|
| 11/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I just spoke for the final time today with a " manager '' regarding this account.
I called over a week ago when I noticed that movers I used charged me 3 times for a move I did on XX/XX/22. I reached out to the moving company and they did not respond to me. The card company did not flag them as fraud so I didn't realize the charges were made until I logged in to change my address and noticed the balance was higher than typical. I believe this date was XX/XX/22 but possibly sooner than that. I called and made a dispute, but the agent only disputed one of the two charges that were in question.
I called back XX/XX/22 when I noticed that I only got one provisional credit after logging in to check on the status ( I assumed I would have gotten an email or message on the portal about the case but saw nothing ), then was told that they needed more information and that they were not going to issue a provisional credit because I didn't have proof that I didn't agree to the transaction. The agent then transferred me to an onshore rep who was unable to add the second transaction so I asked for a manager call back.
I got a call back on Friday from a manager. She did not bother to check the reason I asked for the callback and stated, " I dont know why you asked for a call back '' and then transferred me back to the dispute department who was still unable to dispute a transaction but was able to submit a manager callback. I then called back to make a complaint and that agent was finally able to dispute both charges.
Today, I got a callback from a second manager. This manager was able to confirm that they sent information to the wrong address despite having my correct address on file and they also confirmed that allegedly someone called me on XX/XX/22 but they did not leave a voicemail, I also don't have any missed call from any unknown number on this date, so I questioned if they ever called me.
I asked if she could either email me or mail me the information that they need in writing, she refused to do so and said that if I didn't understand her verbal instructions ( she was not consistent in her instructions and would frequently refuse to answer questions directly ) that I risked the investigation being closed.
I have NEVER had to jump through so many hoops with other banks to dispute a transaction. I have never had a company refuse to provide instructions in writing to support an investigation. I feel like they were more focused on trying to paint me out as a escalated caller, at one point I stated " be XXXX for real '' in response to one of her many snide comments and she used that as a tool to try to end the call for the duration. It took 40 minutes of her trying to dismiss my questions for her to finally calm down and just answer things directly. She even went as far as stating on the call that I recorded that the reason why she wont answer the questions I was asking for 40 minutes that she would not answer is because she believed that I " would not like the response '' Yet, when she finally answered them, I was able to have a clear understanding of the process.
The merchant has not returned the money, and I as of this moment do not have a clear understanding of what is needed to finish the investigation because the credit card company has now stated that they refuse to provide me anything in writing explaining the process because they have allegedly called me to give that information although I have no record of a call and they acknowledged they never sent a letter or voicemail, etc.
|
| 06/08/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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|
Web |
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The issue I have is with a Frontier Airlines credit card. OnXX/XX/XXXX, my wife and I were on a Frontier flight from XXXX XXXX, XXXX XXXX to XXXX. The flight attendant announced that they had a promotion going on. If we applied for the Frontier credit card, we would receive XXXX miles in addition to the miles from the trip we were on. The requirements were to pay the annual fee and use the card once. We asked for an application and filled it out.
Once we got the statement in XX/XX/XXXX, I paid the annual fee and used the card once. I accidentally paid the annual fee twice, and ended up using the credit card to use the credit from the second payment of the annual fee.
I never received the points. I called several times and wasted a lot of time on the phone being transferred to different departments. I was told to wait 6-8 weeks to see the points. Months would go by, and I would call again and I was told to wait 6-8 weeks. XX/XX/XXXX came and I called again regarding my points, I was told I need to pay the annual fee again and that this time I would get my points. I paid the annual fee and waited 6-8 weeks. I had hope that this time I would get my points, but I was disappointed. To be honest, I would have kept calling and trying to get my points, but my wife was feed up with this, and urged me to cancel the account. She told me we needed to cut our losses. We had already been tricked into paying one annual fee and that this year they were n't going to keep our money. In XX/XX/XXXX, I called to cancel the account and the representative was still trying to waste my time trying to figure out what happened to my points. I had to hand the phone to my wife because, unlike myself, she had no faith in the company. Honestly, if it was up to me, I would have been tricked into giving them more time and let them keep stealing my money. My wife told them we needed to close the account and have our annual fee reimbursed. She told them that if they were n't willing to reimburse our annual fee, she would go through our bank and have them reimburse it. The representative closed the account and told her it was okay if we had the annual fee reimbursed through our bank.
My wife went to our bank, explained the situation, and filled out a form. Within a couple days our bank reimbursed the money we had paid for the annual fee. A few days ago I got an email from Frontier. The email was a statement saying I had to pay the annual fee. I called and told them the account was closed and that I was n't going to give them a dime because I never received the points and did n't use the card this year. My wife and I spent 2 hours on the phone. Again like all the other times the representative was trying to " figure out '' why we never go the points. My wife was furious. She told them at this point that did n't even matter. We were calling about the charge of the annual fee. She asked to speak to a supervisor. The supervisor did n't seem to understand why we did n't want to pay the annual fee. I mean you have to be really crazy to want to pay for something you never received. At the end of the two hours, we did n't come to a resolution. The supervisor insisted she saw the points in our account, and that we had to pay for the annual fee. Btw, we had gotten the " I see the points in your account '' before. That 's great except how were we going to use the points if we did n't see them in our end? Wish we would have read the multiple reviews online complaining about this company before doing business with them.
|
| 07/09/2015 |
Yes |
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Web |
Older American |
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HelloI am contacting you because I keep having problems with XXXX of my credit card. This is the second month when this company classifies my payment as late. I filed a complaint to you about this company in the past but this credit company fails to correct the issue.
More specifically, I can see that my XX/XX/XXXX payment is classified as late ( please see page XXXX of the attachment ) despite the fact that I became enrolled in auto-payment XX/XX/XXXX.
Below are the details : Date I received an email confirmation from XXXX XXXX rewards regarding my auto-payment enrollment ( please see pages XXXX and XXXX of the attachment ) : XX/XX/XXXXDear XXXX, You have modified all your scheduled repeat payments on account ending in XXXX. Please review the following information for accuracy : Type : ModifiedReference ID : XXXXPayment Date : Monthly on the day of your payment due datePayment Amount : Minimum payment dueBank Account Name : XXXXAfter payment method modification, the monthly statement ( which is attached for your records ) was issued for the following statement Billing Period : XX/XX/XXXX - XX/XX/XXXXIt clearly states : Activity for Z. - card ending in XXXXTrans Date Posting Date Transaction Description AmountXXXX/XXXX XX/XX/XXXX Payment Received XXXX XXXX XXXX - $ XXXXAlso the last statement ( attached ) clearly shows that I am enrolled in the automatic payment as stated in the " Customer news '' section ( on the left ) : Customer NewsREMEMBER ... YOU ALREADY SCHEDULED YOUR PAYMENTThis month the minimum payment due of {$25.00} is scheduled to be paid on XX/XX/XXXX. Thank you for taking advantage of our Repeat Payment feature ; it 's an easy way to make sure your account stays current.
I immediately contacted XXXX XXXX rewards card to let them know that I am enrolled in auto-payment and I received the following response : Dear XXXX : Thank you for contacting us regarding your XXXX XXXX XXXX XXXX. We appreciate the time you have taken to send us this communication.
We understand your concerns and apologize if you have received anything less than superior service from us. We strive for excellence and appreciate the time you have taken to provide us with this feedback. We will ensure that your comments are forwarded to the appropriate department. Upon careful review we can confirm that the account is not enrolled in auto-pay and the payment was cancelled last XX/XX/XXXX. We hope you find this information helpful.
We appreciate your business and look forward to continuing to service your financial needs. If you have any other questions and concerns, please reply to this message.
Sincerely, Customer CareThis response states that although I received an email confirming that I am enrolled in auto-pay, the monthly statement shows the same, the priceline visa rewards card keeps classifying my payments as late. I had a similar story with this credit card company XX/XX/XXXX which obviously had issues with their website and they reported my payment as late XX/XX/XXXX. During that time I had the same problem with Auto payment enrollment confirmation and this credit card company reported my late payment to credit bureau which negatively impacted my credit history. I wrote them nicely to ask to correct the issue but they refused to help me. I was unable to receive good credit cards as well as obtain a credit because of these issues.
This is the XXXX compliant regarding XXXX rewards card and I never complaint about any other credit card in several years. Please help.
Thank youXXXX
|
| 06/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
To Whom It May Concern, RE : Barclays XXXX XXXX XXXX.
During the Covid-19 Pandemic in XXXX, I personally experienced Financial Hardships, loss of income, and loss of employment or financial opportunities due to the Covid-19 Pandemic and the past economic situation. Never in 40 plus years of credit use, did I ever have a late payment noted on my Credit Reports.
My major source of income was from the Pandemic Unemployment ( PUA ) Insurance which I was receiving since late XXXX of XXXX, this PUA Insurance was eventually DENIED and cut off in XXXX of XXXX, due to a mix-up of my Employment Job status with my part-time and on-call jobs in addition to my Full-Time Self Employment during the XXXX year. After contesting and appealing my case to the Hawaii State Pandemic Unemployment Appeals and customer relations with past W-2 tax documentation and 1099 tax forms with other documents, my situation was only partially resolved in XXXX of the Next Year XXXX and in later XXXX of XXXX. This left me with no main source of income to cover basic living expenses and bills since XXXX of the XXXX COVID-19 year.
I asked each of my credit card companies for an accommodation in XXXX during that time of extreme financial hardship including Barclays XXXX XXXX XXXX. All of them provided an Accommodation except for Barclays XXXX XXXX XXXX. I contacted them and instead of providing an accommodation, they proceeded to take out 2 unauthorized minimum payments from my bank account without notice and therefore the payments had bounced due to fraud detection or lack of funds in the bank accounts during the time.
Upon calling Barclays customer service after receiving a letter in Late XXXX of XXXX, I noticed a late mark on my Credit report for early XX/XX/XXXX. The payment was not late ( They immediately took out 3 payments from checking accounts ).
They told me that there was absolutely nothing I can do about the Late Payment mark on my Credit Reports and gave me no other options even if I asked for an accommodation due to losses from the pandemic. I did not know my options or that I could write a complaint to FRCA until finding out from a friend.
During this time in XXXX and XXXX of XXXX there were no phone calls to me or letters, I received a letter later in the month ( after they already put a Late Payment on my Credit Reports ) stating that my ACH payment had bounced ( due to unauthorized deduction ). Furthermore, they took amounts out from my bank accounts listed in their system without authorization.
This 1 Late Payment reported in my Credit Report has affected my ability to refinance the Loan and Credit card balances that accumulated during the Covid-19 pandemic in XXXX My Credit Scores went from an Average of XXXX then down to a XXXX after that 1 late payment reported by Barclays XXXX XXXX.
Attached are the following : 1 ) Unemployment Denial of Payment Letters and the Final letters of approval.
2 ) Credit Report after the XXXX Late notice was XXXX increased back to XXXX in XX/XX/XXXX Barclays posted a 30 day late without any warning or accommodation. The only letter received from Barclays ( sent later in XXXX ) 3 ) Barclays XXXX and XXXX Statement in XXXX A {$40.00} partial payment was applied.
I humbly ask for your assistance to have my Credit Report with the 1-Late Payment fairly removed. Having a Late Payment mark on my Credit Report will affect me for 7 years and it will affect my ability to find XXXX XXXX housing or Rentals or even another job for the future as I am near XXXXXXXX XXXX
|
| 07/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
|
|
On XX/XX/XXXX I used my card with a friend to purchase an on-line cellphone service. I made the purchase with my last known address on my credit card. The bulk of the purchase infoprmation was hers. The charge was successful, but was flagged for " fraud '' and I cleared it with my CardHolder Bank : BARCLAYS BANK for the XXXX XXXX XXXX Creit Card. I have a very large credit line and have held the card in good standing 3 years.
On XX/XX/XXXX I allowed my card to be used for a ticket purchase. My attempts were unsuccessful 6 times. I used my last known address on my card for this effort. I contacted XXXX XXXX Customer Service and spoke to XXXX. She told me all of SIX of the attempts had been successful. she could not reverse them despite the passage of mere minutes, and that my address had been changed BY ME. She said I did it XX/XX/XXXX using 2-factor authentication. I DID NOT HAVE POSESSION OF MY CELLPHONE ON XXXX AND WAS IN HOSPITAL. I found the woman helping me to be unprofessional and punitive in her replies to my requests. I was upset to learn what she shared. I also have the disadvantage of being a person with a XXXX XXXX Restraining Order the past 3 years and victim of Electronic Stalking, Social Engineering and Bank and Credit Card Fraud. I have informed Barclays every step of the way. The card in use is mine solely but I am married and my husband hurt me, and so the restraining order after his felony arrest. This is a diffiult and exhausting time for me.
On XX/XX/XXXX I called again and spoke to XXXX who gace me a DIFFERENT story than XXXX the day befiore, but no less concerning AND SO MY COMPLAINT. She said myt address on my card had been UPDATED using PUBLIC INFORMATION and without my advise or consent on XX/XX/XXXX. She said the other representative was wrong about the address change CHANGE as well as the SIX charges, which XXXX went through, presumab.ly becasue I was using the former address on the on-line transaction. Attempts for needed medication have ALSO BEEN REJECTED presumably because I was unaware of the address change DONE FOR ME WITHOUT MY AUTHORIZATION.
In addition, the NEW address became the recipient location for an automatically generated NEW CREDIT CARD I will never need or use in my circumstances, with a " Tap and pay '' feature. I hope I receive it. I should have been given the option.
I am very careful with public information and my address and where abouts. I have documented with local law enforcement events which have compromised my personal safety with local law enformcement for 3 years. The effects to me have been a lot to manage and I have always been able to rely on BARCLAYS more than the other six cards I carry to be discreet, professional AND SECURE WITH MY PRIVACY. This changed my perception alarmingly, and at a time I have other healing to do.
IS IT POLICY OR LEGAL FOR THIS TO HAVE OCCURRED? I am a cardholder in good standing - make regular and on-time paymements including one for mear 5-figures recently. I don't understand how BARCLAYS would have the power to consult the internet before ME to change my address.
My physical address is approved for the US Dept of Justice SAFE AT HOME program, but not yet in use since I left home XX/XX/XXXX fore the XXXX. For this reason, my BARCLAYS card was the only credit card I chose to carry with me, ensure XXXX credit was available AND LEAVE WITH MY OLD ADDRESS WHICH HAS A FORWARDING IN PLACE IN NEVADA. Please help me understand what has happened at the following email : XXXX -- thank you.
|
| 01/29/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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|
Web |
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On the morning of XXXX/XXXX/16 I was reviewing my credit card transactions for my Upromise Barclay Mastercard. I noticed a transaction for {$410.00} at XXXX in XXXX XXXX, XXXX which occurred on XXXX/XXXX/16 and posted on XXXX/XXXX/16. This was suspicious to me because I do n't typically spend an amount that high at Target, and from XXXX/XXXX/16 through XXXX/XXXX/16 I was in XXXX, XXXX for work. The credit card transactions both before and after the {$410.00} charge at Target reflect that I was in XXXX, XXXX.
Upon noticing the charge I called to file a dispute ( XXXX/XXXX/16 ). I was told it would take a few days for the charge to be reversed as well as receive my replacement card with a new account number.
As of XXXX/XXXX/16, I had yet to receive a replacement card or see a reversal for the {$410.00} fraudulent charge on my account so I called in again and spoke with a representative named XXXX. At this time she informed me that my account had been closed, with no replacement being issued, but she could fix that and send a new card. I asked when the charge would be reversed and she explained it would not be reversed. At this point, I immediately asked to speak to a supervisor.
After waiting ~25 minutes a superior visor ( XXXX ) came on. Explained situation as described above, she just told me she has to transfer me to fraud investigation department as they 're in charge of fraud transactions.
After waiting approx. ~5 minutes I was transferred to XXXX in the fraud department. I explained situation in full to XXXX. XXXX said he has now tagged that transaction as fraudulent. XXXX asked if I could give him a few minutes. He came back and explained what 's going to happen. XXXX stated what he 's done is go over and tag {$410.00} as fraud ; I will see a credit for the same amount to zero that charge out. Will see the credit in 24-48 hours within online banking. Up to two months to actually work the case ( wo n't generally effect you " me '' ). Asked for my cell phone # and I gave it to him. Read short disclosure regarding their use of my phone number. XXXX said if fraud investigator has any questions about the fraud they may reach out to me, if you do n't hear anything, they have up to 2 months to complete the case. Explained if the card is coming, plain white envelope, will arrive in 5-6 days. I asked if he could confirm mailing card is set, he ca n't confirm has to be regular customer service, will transfer for me back, but fraud charge is all set.
I 'm then transferred to XXXX, to answer mailing questions. I ask about the status of a new card, XXXX explains that he sees they put as fraud, does n't see a new card being sent out yet, but he 'll fix that. I asked why it was n't taken care of the first time and he is not sure, he said he sees account was blocked and new card issued, but ca n't see why that did n't go through. He then explains there are notes that there was a system error when they did that initial fraud dispute. Putting me on hold to make sure they 're getting the card out to me as fast as they can. XXXX put in a case, and explained there was a system error when ordering a new card, but it 's fixed and they will waive express mail fee and mail new card.
After waiting 48 hours and reviewing my account on XXXX/XXXX/16, I notice a credit has been issued for the {$410.00} ; however, this is also a new {$410.00} charge from Target that is back-posted to XXXX/XXXX/16. My current balance on the credit account reflects the {$410.00} being included.
|
| 01/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
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Dear Sir/Madam I opened an account with Barclays ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) in XXXX of XXXX. The account came with a promotional offer of XXXX skywards points if I had spent {$3000.00} within 90 days of opening. There was also and a tier bump to silver status. All of this for an annual fee of {$99.00}. See Exhibit A.
From the opening of the account, I noticed that the Barclays and XXXX accounts would not werent linked. The tier bump and the rewards couldnt be transferred because of this issue, but Barclays had already charged the account the annual fee ( {$99.00} ).
I called Barclays right away and was informed that I needed to wait for a billing statement period before the automated system would link both accounts.
By XX/XX/XXXX the link never commenced so I informed Barclays and XXXX about the problem XXXX representative didnt know what the promotion was or even what Barclays is and informed me that I would have to get in touch with the bank so they could inform XXXX of the tier change to silver.
I called Barclays again and conferenced in with XXXX to resolve the matter. Barclays requested that XXXX send over my XXXX. XXXX informed them that they couldnt send documents over to Barclays. They verbally repeated my XXXX number on the phone and e-mailed me the number and not Barclays. After the conversation I was given a Barclays reference number XXXX and was told by XXXX that they do not have reference numbers but the communications are noted and recorded for references.
After several months of waiting and calling XXXX and Barclays ( which I have phone records of ) I received no communication from XXXX even when the representatives said they would get back to me within two ( 2 ) business days.
On XX/XX/XXXX, I called Barclays, since XXXX had never returned a call, to ask the status of the situation. I was told that the two accounts had been linked but they didnt know why the rewards were not being transferred over with and why my XXXX tier did not change to XXXX with XXXX. I was again given a Barclays reference number XXXX and was told to wait XXXX ( XXXX ) business days for it to resolve.
I again tried calling XXXX and this time XXXX did respond via e-mail stating that they do not have a request from Barclays to link the accounts. See Exhibit B.
I forwarded Barclays the e-mail from XXXX and Barclays informed me that this was not true and that they have requested information from XXXX and they were resolving the issue.
On XX/XX/XXXX I again called Barclays to request a status update on the matter. The representative informed me that it usually takes 30 business days to resolve the matter. I informed them that I have been waiting since XXXX, the beginning of the account being opened and did not mind another two ( 2 ) weeks but I did want this to be resolved or I would be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ).
On XX/XX/XXXX I called again Barclays to find out the status and they informed me that they do not have an update on the account and they had lowered my credit line from {$2100.00} to {$800.00}. I informed the representative that since I have been waiting XX/XX/XXXX to have this resolved now I was going to file a complaint with the ( CFPB ).
In XXXX of XXXX, I called Barclays to check the status of the issue since it wasnt resolved. They informed me that they have customers with the same issue and they do not yet have a work around. He understood that the problem has been an issue since XXXX of XXXX.
|
| 01/02/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
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On XX/XX/ I got a call from a company called XXXX XXXX XXXX that said they got my name and credit card information from my XXXX XXXX subscription account, and they offer special vacations discounts to all XXXX XXXX XXXX members. The person I spoke to was named XXXX, and when I asked what they offered he said vacation packages to different places in states and internationally. When he told me the different places it sounded like a scam to me and at the end of the call I told him I wasn't interested. About XXXX minutes later I got a fraud alert text from my credit card company. I called the number and informed the woman that I got a text from them with a fraud warning. I verified my account and I told her DO NOT let the payment go through, that it was a scam. She said OK. When I got off the phone I called the number on my phone the scammer called me from and asked him why he tried to make an unauthorized charge on my account. I immediately told him that I called my bank and told them not to pay it. He then said, " The payment went through. '' I told him to give back the money right now and he said that I need to call back and speak with the manager the next day.
I called and spoke with the manager named XXXX the next day who began yelling at me on the phone calling me names and told me if I want my money back it's between me and my bank then hung up on me. I immediately called my credit card company and told them what happened, and they opened a dispute case. A few hours after the call XXXX XXXX XXXX sent an email to me stating that if I wanted a refund, I would have sign and attached form with a copy of my official identification that shows only my name and signature with all other information blocked out. They had a picture of an ID with everything blocked out but the signature as an example attached to the email. I knew they were trying to obtain my signature so they can forge it, so I didn't bother responding. I decided to let the credit card companies ' investigation take care of it.
I got a letter dated XX/XX/, from Barclays stating that they got a response from the merchant and my signature was on the documents, so the merchant was able to " validate '' the charges. I called Barclays fraud department and the person I spoke with told me that he heard the conversation on the phone and the signature is why I was rebilled the {$410.00}. I told him that I saw the documents that were sent to me and that was not my signature. I told him the merchant forged my signature. He told me that I would need to send a letter to the executive office of the president to see if they could do anything about the fraud charges and gave me the address and that office is the only one that can do anything about the charge back. So immediately wrote a letter and sent it to the executive office of the president. About XXXX weeks later I got a call from XXXX who stated he got my letter and that they are siding with the merchant. When I asked why he said my signature was on the documents. I told him that those signatures were forged and that he could see that because I sent a copy of my ID, and the signature are completely different. He said, " We are not signature experts. '' Then he said the merchant doesn't accept cancelations. I said that I sent him documents showing that they do and he responded with, " We are siding with the merchant. '' He kept saying that over and over. He didn't want to answer my question and just said we are siding with the merchant and hung up on me.
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| 01/31/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX, I initiated a payment through my bank to pay my Old Navy card balance in full, The payment was in the amount of {$1100.00}. The electronic funds transfer was received by Old Navy on XX/XX/XXXX and the money was taken from my bank account. Old Navy never applied my payment and continued to withdraw my automatic payment of {$38.00} on XX/XX/XXXX, {$39.00} on XXXX XXXX and {$38.00} on XX/XX/XXXX. I did not realize additional payments were being taken out until after the payment made in XXXX as they were set up on automatic payments through Old Navy 's payment site. Once I realized this I called Old Navy Barclays on XX/XX/XXXX to inquire about the payments and understand why they were still showing a balance on my account when I had paid the account in full in XXXXBarclays stated that they did not see my applied payment in XXXX and that I would have to call XXXX instead as my account had just been transferred to them and they did not have the XXXX information. I called XXXX, explained that I was trying to figure out why my payment was not applied and they gave me a similar excuse. They had transferred their records to Barclays and no longer had my account information. XXXX advised me to call Barclays even though I'd explained that I'd spoken with Barclays and they'd insisted that I resolve the matter with XXXX. I called Barclay'sagain on XX/XX/XXXX to seek a resolution and they were still attempting to reroute me to XXXX for help. After being bounced from department to department, I finally spoke to the payment resolutions department at Barclays who opened a case on my behalf. I received a letter in the mail about a week and half later requesting I send proof of payment from my bank. I downloaded the information and mailed the proof of payment back to Barclays. XX/XX/XXXX arrived and I had not heard anything from Barclay'sregarding my case but received a call saying I had an overdue payment. I attempted to speak to someone about my case but the only information they had for me was that the claim was closed due to my proof of payment not being sufficient. On XX/XX/XXXX, a woman named XXXX called me from the resolution department and I explained all of the back and forth I had gone thru but had received no resolution and still no one could track down why my payment had not been applied and why the proof of payment I received directly from my bank was insufficient. XXXX assured me that she would research and try to resolve it. She gave me an email address to send my proof of payment to again. I sent the information only to have the email come back saying the email address was invalid. On XX/XX/XXXX, I called Barclays once again to check on the status of my claim and was advised that the XXXX payment of {$1100.00} was applied to my account but then said the payment was returned to me. The {$1100.00} payment Imade was never sent back to me. I checked my bank account in addition to calling the bank directly. Asof XX/XX/XXXX, Barclay 's is stating that my XXXX payment was applied but, I somehow still have {$1100.00} balance and I'm being charged excess interest on a late payment. I have been trying for nearly 2 months now to get this resolved but no one has been able to help me. I'm extremely tired of the runaround and want this resolved.
Barclays responded to my prior CFPB complaint, issued a credit to resolve on XX/XX/XXXX, sent me a refund check for my overpayment and now in XX/XX/XXXX took away the credit and is calling me about being late again.
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| 03/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I had an account with Barclays Bank for a credit card that was closed in XXXX. I have tried unsuccessfully to validate the debt, make contact with someone to discuss payment in full or in settlement. They continue to report negatively every month without recourse or fair access to any means of communication.
They were able to find my account over the phone, but would not transfer me to another department to remit payment or discuss the debt. Their customer service team will not respond to my disputes via all 3 bureaus in the last 2 months to validate the debt. I've included evidence of the last statement from XXXX, Attached here, and my willingness to pay. Nevertheless I do not get a call, email, letter, or any response. And if they truly believed the account to be fraudulent as originally believed, the tradeline should not be reported each month as a derogatory " CO ''. This refreshing as recently as XX/XX/XXXX as if the account was closed this month. This is inaccurate, unfair, and detrimental to my appearance as a delinquent debtor.
My last letter sent via XXXX class US mail XXXX was never acknowledged. My follow up call was routed to a person who said they could not assist. Below is the letter text : " I am willing to pay {$300.00} for full final settlement of this account in exchange for an immediate deletion of this tradeline from any and all consumer reporting agencies, including but not limited to XXXX, XXXX, XXXX, and XXXX XXXX XXXX.
This offer of settlement is not an admission or acknowledgment of the liability for this debt, but it is merely a way of having this negative item removed from my credit files.
Please do not state you are unable, or it is against any law to delete this account. I am aware of both your rights as well as my own. It is in the authority of a furnisher of information to consumer reporting agencies to report a debt, not report a debt or delete a debt from all consumer reporting agencies.
The purpose of this settlement is to merely have this item removed from all consumer reporting agencies. Certified funds in the form of a cashiers check or money order in the amount of {$300.00} will be sent to Barclays Bank Delaware, promptly if the following terms of this pay for delete agreement are met : Full deletion of any and all references to this account in my credit files.
Full satisfaction of the debt.
No waiting period for the debt to be deleted from the consumer reporting agencies since the debt will be satisfied via certified funds. Barclays Bank Delaware agrees to delete any and all information referring to this account from all credit reporting agencies, including but not limited to XXXX, XXXX, XXXX, and XXXX XXXX XXXX within fifteen ( 15 ) calendar days following receipt of full and final payment of agreed upon amount.
Barclays Bank Delaware will not discuss the terms of this settlement with anyone and if contacted by any third party, including any consumer reporting agency, Barclays Bank Delaware will not acknowledge that any settlement offer was made, accepted, or executed and will deny knowledge of debt.
If you agree to the terms and accept this agreement, I will send you certified funds immediately upon receipt of a signed agreement. The funds will be sent only if in exchange for it, you are agreeing to the above terms set forth and will be deleting this account from all consumer reporting agencies ( XXXX, XXXX, XXXX, XXXX ). This debt will be considered satisfied, there will be nothing more owed. ''
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| 06/04/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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To whom it might concern, The incident happened at XXXX XXXX, XX/XX/2023, at the XXXX Banana Republic ( owned by XXXX XXXX ) store. I was checking out, and the manager, whose name was XXXX, asked me if I wanted to join the membership so I could get a discount on my order. I said yes because I thought the discount was good for joining the membership. But I did not know that he was actually applying for a credit card on my behalf. He used the word " store card '' and " membership '' interchangeably and no ordinary reasonable person could have thought that it was actually a credit card I was applying for. More importantly, he never even mentioned the word " credit card. '' I answered some questions, including my current address, my phone number, my annual income, and my social security number. The requirement of annual income and social security number were suspicious to me but it was never mentioned that I was actually applying for a credit card, neither orally by the manager nor in writing on the screen where I answered all the questions.
When I was ready to swipe my own card to make the purchase, I was told that the items were already paid for. I got really confused and it was then did I realize that the manager applied for a credit on my behalf, and the items were paid by that new credit card. I immediately made the objection to him that I never agreed, neither orally nor in writing, to apply for a credit card. And he never explained to me that I was actually applying for a credit card. He just told me that he was sorry and that I could close the card on Monday. I made it clear to him that I never agreed to apply for a credit card, so there was never a contract for this credit card because of the lack of my consent. But the manager clearly does not have any clue on how a contract works, I see no point in talking to him further on this, so I told him that I did not want the items anymore, and he returned the items.
I feel like I was defrauded by this manager and the Banana Republic to apply for a Banana Republic credit card without my consent, and this application history is going to negatively affect my credit report and my credit score in the future.
For the record, to determine if there was a contract made for the credit card, the legal standard applicable here is whether an objective reasonable person would have thought that it was a credit card, not a membership, that he is applying for under similar circumstances. The answer is clearly NO. The manager did not, orally or in writing let me know that I was applying for a credit card, and I did not orally or in writing consent to the application of a credit card. So no objective reasonable person would have thought that he was applying for a credit card, therefore there is never a contract.
I know about the legal standard because I am a XXXX XXXX who goes to an XXXX XXXX XXXX XXXX, and I have an even better understanding of how a contract works and how credit card applications work because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And if I could not even reasonably think that I was going into a contract for a credit card application, then with all due respect, there is no way that an ordinary reasonable person could have thought that it is actually a credit card contract they are going into. My point and conclusion here is, if this company and specifically this store is not getting punished for this, they might even defraud more people into getting credit cards they do not even consent to.
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| 10/18/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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Good Sir/Ma, My wife and I went on a vacation to XXXX XXXX XXXX on arrival to the hotel, XXXX some ladies and gentlemen approached us, we thought they were the receptionist until they persuade us to come to a show that will be taking place the next day which was XXXX of XXXX, they forcefully collected {$40.00} from us and said it will be refunded on arrival for the show.On the fateful day we went to them and they gave us free ride to the place, They introduce the show as a XXXX show and asked for our means of identifications, we gave them our identity cards and our social security, they later asked for our credit card which I gave them mine because my wife was not with hers.later they offer us some food and drinks and advised us to travel through them to any vacation that it will save us a lot instead of going through XXXX or XXXX, before our departure, another man came and asked us to sign on a tablet computer for coming, we did without any comment, they gave us back our {$40.00} and our Identications card and social we left .After 3months in XXXX somebody called me to make a payment, i was confused I told him I do not understand what the payment is for, he said we sign a contract with them, I asked who are them, he said XXXX XXXX XXXX for Timeshare, i said no maybe is a wrong number, he caught my attention when he gave me all my information, there I realized that this people have fabricated my information to applied for credit card without my knowledge.I wrote a letter immediate to them telling them that I was not informed about it, but they said I signed, i said I signed for coming to the show and my wife signed too, so they did not tell us we are signing a contract let alone applying for a credit card for about {$2800.00} .I was adviced to call the bank which I did immediately, the bank said they will investigate it and get back to me, they said it will be sent to there fraud unit, later I realized the bank is still XXXX.I contacted a lawyer through legalshare XXXX to write on my behalf, he did wrote them but they ignore his plead.They started calling me for a vaction offer which i declined, telling them i am not there member and will appreciate it if they stop using my name for credit or any thing of sort, my income will not permit me for such luxuary.After that I ignore them and they gave me a deal of paying 40 % of the total money they claim I owe which was around {$1200.00}, i did not respond, finally I received a letter from SCHLEE & STILLMAN LLC that they are collection unit that a jugement was pass against me in favor of Barclays bank.I called Barclays bank to explain myself again but they said they can not do anything.This is a strong business deceptive sale tactics and we are not a party to it.They claim we said we are government employee and I earn {$XXXX}, but is a lie, my wife is a XXXX of XXXX why I work in a XXXX here in XXXX .I will be grateful if the matter is resolve because I do n't have money for such luxuary.No card credit card was sent to me or use by me, the fabricated the whole thing just because we signed for coming to the show not knowing it was a contract the man was just telling us to sign without telling us it was a contract, since it was on a tablet, we did not boarder to read it.Infact, I later realized they charged my credit card without my knowledge, i have to call my credit card company before it was refunded.We were mislead into a deceptive sales tactics by XXXX, they did not follow a good business practice.
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| 10/23/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX, I entered into an agreement with XXXX XXXX XXXX to settle my debt with three credit companies, XXXX XXXX, XXXX XXXX and Barclays. XXXX XXXX and XXXX XXXX were taken care of, Barclays was set on a schedule to pay my debt through the attorney firm of XXXX XXXX XXXX, see attached agreement. I made all the payments up to XX/XX/XXXX to XXXX XXXX XXXX. On XX/XX/XXXX I found out my debt had been sold to XXXX, XXXX XXXX XXXX. I was still making payments to XXXX XXXX XXXX to go into my account for paying off my debt. I had to inform XXXX my debt had been sold to XXXX XXXX XXXX and they should contact the new law firm, to make sure they were going to honor my written agreement I had with XXXX XXXX XXXX. They told me that they had contacted them and arranged to start making payments to XXXX, XXXX and XXXX. All the payments were made on schedule, the last payment made on XX/XX/XXXX. My debt was paid, now I needed to pay XXXX their fee for settling my debt. I did so and was debt free by XXXX of XXXX. I noticed there was over {$3000.00} still in my account. I called XXXX to ask why, they said it was residual from my payments and I could have it returned when they graduated my account to paid in full. I was overjoyed, not only did I pay my debt, but I had money left over. On XX/XX/XXXX I found out that not only was my debt not paid, but that the new law firm XXXX XXXX XXXX XXXX XXXX are refusing to honor the written agreement I had with XXXX XXXX XXXX. XXXX XXXX XXXX is refusing to take responsibility for their mistake in not following up and they have already collected their fee. By their contract, they are only able to collect their fee once the debt is paid. I still have over {$3000.00} in my account to pay the debt, They are taking service fees out on a monthly basis.
XXXX. My credit report should reflect that this debt was paid off in XXXX of XXXX. It is now XXXX, almost XXXX of XXXX and this has still not been resolved. On XX/XX/XXXX, I began consulting about buying a house. I assumed my debt had been paid off. In XXXX of XXXX, I found out my debt had not been paid off and I contacted XXXX XXXX XXXX to find out why it had not been paid as previously thought, they told me they would be contacting XXXX, XXXX & XXXX. After several months of calling XXXX and not getting any kind of answer, I received an email with a new settlement amount from XXXX. Since then, to my utter frustration, I have been contacted several times to agree to the new amount. They even offered to help me finance the new amount. I have spoken to XXXX, a supervisor, who said she was looking to the problem. I have tried to have XXXX call me back several times to see if she straightened out the problem.
She has yet to return my calls. I feel harassed because people keep calling from XXXX, trying to get me to agree to the settlement from XXXX XXXX XXXX. Each time I tell them I will only speak to a supervisor and there is never one available. I have not asked for a cease and desist, because I only wanted to speak to someone who can actually help with the account, without me having to repeat the problem.Do to the inaccurate recording of my debt, I was informed by my financial advisor at my bank, that I would not qualify to buy a house. She encouraged me to return when my credit was cleared of this debt. I would like to pursue the maximum allowable damages, due to the incorrect reporting of my debt to the three reporting agencies. I also want my credit repaired immediately.
|
| 03/06/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I was contacted via a phone call on XX/XX/XXXX from a unidentified number. A gentleman stating his name as " XXXX XXXX '' informed me that I was to call XXXX and reference a file number.
I called the XXXX number at approx. XXXX CST and the call was answered by a woman who did not identify herself. I explained the call received and she said she didn't recognize that name and put me on hold. Upon returning to the call, she said that this was an attempt to initiate legal correspondence regarding an XXXX XXXX purchase on a Barclay 's XXXX. The date the account was opened was in XX/XX/XXXX. Apparently payments were made until XX/XX/XXXXand then it was sent to collections in XX/XX/XXXX, and then sold off in XX/XX/XXXX. I asked who she represented, and she said she worked for XXXX XXXX XXXX in XXXX XXXX.
I had no knowledge of this card, this debt, nor an XXXX product purchased in XX/XX/XXXX.
She essentially told me that the debt-holder was NDA, had a non-disclosure agreement and couldn't be identified. I asked about the statute of limitations and she told me the debt had been revived in a phone call in which I had verbally acknowledged the debt.
This woman, who still had yet to identify herself, went on to tell me that I was going to be served at my home and then since the NDA suing me had paid for a process server, I would have to go to court for the full amount. She could not tell me the initial purchase amount, but when it went to collections in XX/XX/XXXX, the balance was {$1600.00} and the amount I will be sued for is $ {$5100.00}.
Of course she proceeded to use scare tactics when I inquired on how to dispute the debt, since I have absolutely no knowledge of it, and she told me that a judge would probably question why I hadn't filed a fraud claim within 3 years of the account/purchase, and he would rule against me.
Of course, I could agree to a settlement right there and then, or within 48 hours. When I asked how I would do that considering I had no documentation in writing of any of this, she said I could call her back. Her name is XXXX and she is at extension XXXX. She also said she would email me the offer of settlement. I did not receive that. She also told me if I didn't accept the offer, I would have to go to court, pay the full amount, and have a mark or judgement on my credit for 10 years.
I called back the next day and got more information from XXXX XXXX, a Manager in the XXXX XXXX. at XXXX XXXX XXXX, and he gave me more information. He told me the statute ends on the XXXX of this month, and also that there was no record of the " verbal admission '' that apparently revived the debt. I would have to file for a " XXXX XXXX '' in court if I was to get that information. If I wanted to " hear or see anything. '' XXXX also told me that the statute of limitations applied to where I live now ( Texas ) versus where the debt was from originally ( California ).
He sent me the offer letter via email, which I took screen shots of. Apparently the company that is suing me has to send me correspondence with in 30 days of collection and I again stated that I hadn't received anything, had no knowledge of this debt or account, and to my knowledge, hadn't been contacted by anyone before yesterday.
I got the address of XXXX XXXX XXXX in XXXX XXXX and basically left me with little else, except to say that his company had investigated this claim and found no reason for the claim to be dismissed ( ie., that they have the go-ahead to sue me ).
|
| 02/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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The weekend of XX/XX/XXXX, I attended a Real Estate Expo in XXXX XXXX, CA. On XX/XX/XXXX, I purchased a 3 Day Workshop with XXXX XXXX XXXX for {$990.00}, {$490.00} of it was charged to my Barclay Wyndham card. On XX/XX/XXXX, I purchased a {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX Course with XXXX XXXX, also I purchased XXXX XXXX XXXX XXXX with XXXX XXXX for {$690.00}, both also charged to my Barclay Wyndham card.
On XX/XX/XXXX, a XXXX XXXX XXXX Representative phoned me to tell me about XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$27000.00} ). I was told that this program would give me the best chance of success. I was told this program would allow me access to coaches who would guide me step by step on the process that I should take in order to be successful at real estate investing. The representative asked me about my credit cards and their balances, I only had {$16000.00} left on my credit cards. The representative told me which cards to use and how much to put on each card. He said I had nothing to lose and everything to gain. He said my real estate profits would cover my credit card payments and when I started making money, I could pay the remaining {$10000.00}. I put {$4500.00} of the {$16000.00} on my Barclay XXXX card.
On XX/XX/XXXX, I was notified by a XXXX XXXX XXXX ( also known as XXXX ) representative, that XXXX XXXX, the main educational company that provides instructional, seminar and other educational services for XXXX XXXX XXXX ... XXXX XXXX and several other guru 's training program had been taken over by the federal government. After further review, it was in fact confirmed that XXXX, XXXX was taken over by the Federal government for misrepresentations, false guarantees, and XXXX XXXX XXXX XXXX is also no longer operating.
I reached out to Barclay XXXX and Wyndham on XX/XX/XXXX, by mail. I received a letter dated XXXX XXXX, indicating they would credit my Barclay XXXX credit card half ( {$2200.00} ) of the {$4500.00} I paid to XXXX XXXX XXXX and a letter dated XX/XX/XXXX, indicating they wouldn't even investigate my dispute and would not be crediting my Barclay Wyndham account.
I filed an appeal to the Barclay XXXX card on XX/XX/XXXX, and an appeal to Barclay Wyndham on XX/XX/XXXX.
On XX/XX/XXXX, a manager, XXXX, called back providing me with manager callback case number XXXX indicating both decisions ( Barclay XXXX {$2200.00} credit and no investigation of Barclay Wyndham ) stand. I would only be credited back half of the {$4500.00} I paid using my Barclay XXXX card and no investigation for my Barclay Wyndham dispute.
I only had the opportunity to utilize 3 of the coaching sessions I paid the {$4500.00} using my Barclay XXXX card. Further, the company was seized by the federal government for misrepresentation and false guarantees. I should not have to pay for services that we're fraudulent and deceitful, and paid for services that I can't receive because the business ( es ) are no longer operating.
Barclay XXXX decided to only credit me half and Barclay Wyndham decided not to investigate and credit me at all. I don't think they conducted a full investigation or credit my account accordingly. As I explained to them all, I am not claiming a billing dispute. I am claiming a misrepresentation and services not rendered dispute, and for that I believe both my accounts should be credited the full amount, due to the government seizure for misrepresentation and false guarantees and their inability to provide me services.
|
| 06/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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This dispute is in regards to an account I had with Barclay Aviator Mastercard which I was no longer using, however, left open for credit reporting reasons. As a client in good standing and with no previous late payments in the history of our relationship, Barclay made no attempt to reach me ( by phone or by a mailed statement or notification ) to inform me that a {$35.00} charge from XX/XX/XXXX was past due and was accruing monthly late fees.
Despite having my current phone number and mailing address, no attempt was made to notify me about this line charge until I received a letter on XX/XX/XXXX informing me that my account was being closed. I called immediately and paid my balance, but not only had Barclay closed my account, they had also reported me to all three credit bureausover a {$35.00} and without making one attempt to notify me.
As I found out, this {$35.00} charge was for a one-year service I had paid for the year prior. I had not set this up, to my knowledge to auto-renew. However, it had.
Barclay Aviator Mastercard violated the terms of my credit card service agreement by failing to notify me by phone or by mail that late charges and interest were being charged. Oddly, this same company regularly called me concerned about " suspicious card activity '' when I was actively using the card for every day rewards spending.
When I contacted Barclay, I was told I had enrolled in paperless billing and that I received emails and not mailed paper statements. I never consented to electronic statements! I couldn't find any emails despite them having my accurate email address. Still, their associate acknowledged that I should've received multiple calls and letters during the 3 and half months this charge was adding late penalties. Why didn't I? Apparently, if you are enrolled in paperless billing you've agreed to receive statements AND Notices " electronically when legally permissible. '' It's legally permissible to notify a cardholder of their default status, the assessment of late charges and interest via email? If it is, that's a major e-statement loophole consumers should know about.
In addition to them closing my account without warning, they've also ruined my credit score as they reported my account as 90 days late to all 3 credit agencies. My credit score has drop from over 800 to XXXX. This despite over 30 years of credit history without one late payment on my record.
I've mailed goodwill letters explaining all of this to the agency I was told to, and after 3 months I've been told my appeal has been rejected. I've reached Barclay 's resolution department, but I'm told they make no goodwill adjustments regardless of the circumstances.
My last resort is disputing the validity of the original auto-renewal charge, but it's now almost been a year.
How could a company that called me regularly to verify that " suspicious card activity or behavior '' was valid, make no attempt to call me or send a letter for a matter with such severe consequences? The only logical answer is that a {$35.00} balance that can generate {$35.00} a month in late fees and compounding interest is worth more unpaid than not. I have no doubt that had my balance been {$500.00}, I would've received a call or something in the mail.
Regardless of how many times a business asks you if you want to stop receiving paper statements, I would strongly advise against it. I don't even remember consenting to this, but it was clearly used as a loophole in my case.
|
| 10/23/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/2023 the company XXXX XXXX ( attorneys at law ) issued several refunds to me from previous payments I had made. The amounts : {$150.00}, {$75.00}, & {$220.00} all showed up on my statement for XX/XX/2023. However the largest amount of {$1300.00} did not.
I contacted the law firm and was told that the {$1300.00} had been refunded to my card ending in XXXX XXXXXXXX. This was the account I had when the XXXX XXXX was with XXXX XXXX
I contacted Barclays customer service on XX/XX/2023 to ask about the remaining amount of {$1300.00}. I spoke with XXXX who informed me that since it the refund was issued to my old XXXX XXXX account that I needed to contact them because they " still had my account information ''.
I contacted XXXX Bank and let them know about the refund. I spoke with XXXX ( male ) who informed me that all of the account information had passed to Barclays and they did not have access to it anymore. He told me to contact Barclays and to file a dispute because the funds would have automatically transferred over within 30 days.
I called Barclays back and spoke with XXXX ( female ) that I had spoken with XXXX XXXX and they did not have access to my old account and that I needed to file a dispute. She placed me on hold and asked the receiving department, then informed me that I needed to call XXXX XXXX back and ask for a supervisor because they did have access to my old account. The person they spoke to in receiving said they had access to old accounts that had been transferred. I was told that after I spoke with them ( not before ) I could call them back to file a dispute.
I called XXXX XXXX back on XX/XX/2023 and was able to speak to the same XXXX who transferred me to his supervisor XXXX. She informed me that they definitely did not have any access to my old account and that I needed to file a dispute. All of the account information was deleted.
So I called Barclays back and requested the Dispute department ( from call options ). I spoke with XXXX who gave me the fax # and information they needed.
Attached you will see the letter the mailed me confirming their receipt of the information, and their letter saying they could not resolve it because it had been more than 2 billing cycles.
I see no point in yelling at them. The law firm should not have been able to issue the refund to a closed account. If it is able to, then the bank should have been able to successfully transfer the {$1300.00} over to my new account ending in XXXX at Barclays without me having to babysit them. I was not informed of the refund to my credit card ( no one else has ever done this, especially after so long ). I found it accidentally when I went to pay my bill more than a month after the transfer. At that point I was travelling with my family during the summer. Once I returned home I had XXXX kids to get ready for school.
The money transferred to Barclays Bank. They would not let me even speak with their dispute department, and gave inaccurate information to me multiple times about addressing this with XXXX XXXX. The only way there is a limit of 2 billing cycles is if they make one up. They have the money and unless they do not know how to do simple accounting, they can find it and give me the refund they were paid for.
I have attached proof of the refund from the law firm showing successful. I have also attached my credit card statement showing the other successful refunds, and the fax cover that I sent them with this exact information.
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| 10/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Older American |
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XX/XX/XXXX.This Complaint, involves not only the Credit Card Provider ( Barclays Bank , Delaware ) , but the 3 Credit Reporting agencies ; as well as XXXX, and XXXX, thru XXXX XXXX , XXXX. All the parties above are involved in an absolute monstrosity of injustice, causing my 3 scores to plummet from # XXXX, to less than # XXXX in a matter of 2 months -- -- all due to a XX/XX/XXXX letter initiated by Barclays Bank, Delaware to my Home Address.The letter stated they ( Barclays ) would close the card for lack of use since the inception, XX/XX/XXXX. I questioned their right to do this, to dictate my spending or choosing not to spend, with their MasterCard.Since I apparently had/have no choice in the matter, I used the Barclays MasterCard in early XX/XX/XXXX, for an even charge of {$20.00} -- -- that's all. I never have received a Mailed Bill from Barclays -- -- to this day.Shortly after my {$20.00} charge, I called THEM, to ensure they had my current home address, which they CONFIRMED. In addition, my call to them was unnecessary, as I was holding their mailed, USPS letter in front of me, dated in XX/XX/XXXX. Nevertheless, NO MAILED BILL, NO FAIR CHANCE TO PAY MY BILL. Kindly check my payment records ( 100 % on time/100 % paid in FULL -- -- and for many many years ), for me to have earned XXXX scores. First, just the fact that Barclays neglects their responsibilities to mail a bill, then has the nerve and gall to report a Delinquent Account ; then follow w an irresponsible report of this alleged delinquency, is unfair and unlawful. In addition, all 3 Bureaus routinely, simply accept whatever garbage, false report any Company decides they'll report -- -- -Carte Blanche . They state their side, no matter how false and misleading it is ; XX/XX/XXXX ; XX/XX/XXXX; XXXX accept this as Gospel, no questions asked ; no checking of their accuracy. I am found guilty as written by them. I then have the burden to prove my innocence to restore my Scores to their original status of XXXX. Again, even if it was delinquent ( obviously, not here in my case ), IS IT FAIR to drop a Consumer 's score 135 points for {$20.00}, that was never billed?? Secondly, the 3 Bureau sites all have online-Dispute forms that are supposed to work (?? ) Do they? Do they monitor them for errors and malfunctions -- -- NEGATIVE. How many times did I go to these sites, only to find the SAME./OLD incorrect info on there, with my resulting, decreasing Scores, as well as Freezes applied by XXXX and others , due to " You already filed 1 dispute '' ( even though far more than 30 days had passed ). They do not change and clear the information supplied by me, the Consumer. Again, not fair and just. Thirdly, the XXXX ; XXXX sites, who provide me Free Monitoring, do not cooperate either, as they claim innocence by not checking the info supplied either. In addition, when I filed many times, Disputes on their Websites, that they " Claim '' to send on to ALL THE BUREAUS ...., their sites are also dysfunctional, either losing my hard work or not sending them to the bureaus as they claim. I go back and forth between ALL COMPANIES, w no justice/no resolve. The number of hours and effort I have used from XX/XX/XXXX to XX/XX/XXXX would require a large capacity Calculator. I would be interested to know how it is fair to me, an excellent Bill-payer for the last 25 years, who has earned my high scores -- -- -to suddenly and without warning, have to put up with all these False allegations???
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| 08/19/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Date : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX To Whom It May Concern : I am writing due to the negative marks youve made on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but its not mine and theres no way that you can validate it. I'm sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ) so let it be known that I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding on me to pay it. I request that you stop contacting me by telephone and restrict your contact with me to writing only, and only when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation, here is a list of the required documentation : Complete payment history, the requirement of which has been established by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXX. App. LEXIS XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor.
Date of Last Activity My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from.
Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.
The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe.
Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt.
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( D.Conn., XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt.
Proof that this debt has not been written off as a tax liability.
Any other intimate knowledge of the creation of the debt by you, the collection agency.
I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX v. XXXX XXXX, XXXX. Civ XXXX ( XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity. You should also note that this is not a request for Partial Validation but rather, its a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward to an uneventful resolution of this matter.
Sincerely,
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| 03/07/2017 |
Yes |
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Web |
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Barclaycard, is refusing to take the fraud charge off of my account. I was picking up my fianc 's daughter from school - when Barclay called me saying there was a charge on my account from target totaling about XXXX dollars. Informed them it was n't me and my card is on. The rep told me no problem, we 'll cancel the card and reverse the charges etc.
Now, being a member of Barclay for a while, having XXXX credit cards from them and even using their online savings - I have been a content consumer for a while until now. A month later, I received a call from them saying that the purchase was a chip card purchase and to their knowledge chip cards can not be cloned. The rep, informed me to get a police report - which I did. The detective whom specializes in this took my case, gave me a police report and acted quickly. He contacted me, saying Barclay is giving him a hard time to reverse the charges but not to worry because he pulled the camera footage however Barclaycard has n't been trying to work with him.
Barclaycard contacted me, asking me to send in the police report. I sent in the police report since XXXX, every time I call they claim they have n't gotten it. As of yesterday, they placed the fraud charges back onto my account and have told me I have failed to send in the documents for them ( police report ) even though I have faxed them over 5 times and have copies saying that I did fax them with the time and date on the transmission copy from the fax. I have even sent the documents via mail to them. Every time I call or the detective calls they give us the run around. I have always paid on time, and I have always used their services my whole family does however, due to this mishap my family is considering cancelling all their accounts. I have asked them repeatedly over and over if I can email it since they keep claiming they have not gotten faxes or mail from me and they keep telling NO.
Another thing, every time I call they keep saying " the notes on your account is very strange, not detailed and vague. '' I have begged them to replay the recordings since they record the conversations and they have refused. As this point, I have paid money again to overnight the reports ( police report and copies showing that I have faxed the report to them ) again.
If you do research online, you can see cloning the chip card is possible. However even though they do agree it 's possible they keep saying " to their company knowledge it 's not possible at this time with us. '' I work in the technology field, the chipcard has been out in XXXX since the XXXX 's, however there 's a reason why they use chip+pin and not chip+ signature. You can even purchase a chip cloning machine from XXXX. I have begged them to review my GPS signal, you name it to show that it was n't me however anything I recommend they refuse. I am a college student, working XXXX hours a week paying rent in New York and trying to keep up with bills and here they are bamboomzling me out of money that I have nothing to do with.
You can do tons of research and see that Barclay is pulling the same thing with different people and it 's not fair. I can upload upload/scan/fax etc anything you want so you can show Barclaycard that I have been trying and have made numerous attempts.
Last time I spoke to them, they insisted that the reason why the fax might not be going through is because it 's a central dispatch and I did n't list my old account number on the paper, when I did.
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| 03/01/2017 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
Older American |
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Sometime on or about XX/XX/XXXX, the date I am not sure about a person or persons unknown to and without my express permission opened a credit card account with Barclaycard and charged items to that card in the amount of {$5000.00} or more. Upon a routine credit check it was discovered that this card on my credit report. I immediately contacted Barclaycard and reported the fraudulent card and theft of my identity that was used to open the card. After speaking with the fraud department at Barclaycard I was assured that this was indeed an act of fraud perpetrated against me. I was told I was not responsible for the charges incurred and that the card was cancelled and they would investigate the incident and no further was required on my part. Subsequent to that I never heard again from Barclaycard and thought the matter closed. In XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX , XXXX in the amount of {$5400.00}. I notified them of my dispute of the debt by certified mail and never received verification of my debt as requested. Then in XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX of XXXX XXXX requesting payment of a debt of {$5400.00}. I notified them in writhing and by certified mail of my rights and that the debt was the result of credit card fraud and request they provide me with verification that was in fact my debt. I never received a response from them nor was I ever contacted by them again. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX concerning the collection of a debt of {$5400.00}, again from Barclays Bank Delaware, Account No. : XXXX. I immediately notified them in writing and by certified mail that this was credit card fraud and my dispute of the debt along with invoking my consumer protections rights of which were amongst other protection rights were contacting me by mail and verification of the debt. While awaiting a response from XXXX XXXX XXXX I received a " ID Theft Affidavit '' from them which appeared to have an internal file number XXXX XXXX written in the upper right corner. This number also correspondent with a number on a payment voucher. I immediately that this was a ruse to garner further personal information from me in an attempt to collect a debt. I received three of these why awaiting for a written response to my dispute of the alleged debt. My letter of dispute was mailed on XX/XX/XXXX and I did not receive a written response until XX/XX/XXXX far exceeding the required 30 days in which to have responded. In their written response they enclosed XXXX credit card statements from XX/XX/XXXX and XX/XX/XXXX both showing credit card activity with a pre-existing balance claiming that these documents were proof of my debt. Again none of the purchases being mine or authorised by me. On XX/XX/XXXX I responded by certified mail to their claim of proof that it was my debt clearly stating the the copies of the credit card statement were not proof of my opening the account in dispute but merely statements showing the fraud perpetrated by using my identity. On XX/XX/XXXX I received a written court complaint alleging in small claims court ( XXXX ) that I owed an outstanding debt to Barclay Bank Delaware in the amount XXXX to be heard on XX/XX/XXXX, XXXX. I know request that an investigation be conducted into this matter for blatant violations of my rights under the consumer protection law of the United States of America and Commonwealth of XXXX.
|
| 01/16/2017 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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I am currently visiting XXXX, XXXX from XXXX.
I had a XXXX account that had XXXX different credit cards linked to it. On XX/XX/2016 ( XXXX ), I awoke to find a number of XXXX charges ( {$50.00} gift cards, {$75.00} reloadable charges ) on one of my statements, posted XX/XX/XXXX ( XXXX ). I logged into my XXXX account and saw that they had done that to my other card, as well. Since the 3rd was a prepaid card and had no balance, it was not affected. So we will call them Card XXXX and Card XXXX, for simplicity.
I submitted a fraud complaint to XXXX and they reversed the charges for Card XXXX, recognizing that it was fraudulent activity ( they could see the balance from each gift card in the account transferring to gift cards outside of the account, a sign that money was going out and to a third party individual ). They offered to be to reverse charges for Card XXXX also, but that I should contact my card companies as well because the hacker may have information about these cards. I decided to let Card XXXX company ( BarclayCardUS ) handle it.
So I contacted Card XXXX company and they canceled the card and resent a new one. All good. I contacted Card XXXX ( BarclayCardUS ) via XXXX using credits on XX/XX/2016. The gentleman told me he would cancel my credit card altogether, submit the case to the fraud department and they would resolve.
I checked my account on XX/XX/2016 and all of the XXXX charges had been reversed for the BarclayCardUS account -- -- - except for XXXX. I called back and the representative said that everything was fine, however they can not credit the last charge back to the card because the card is canceled : they need to wait for a new card to be issued, transfer the balance, then credit the {$75.00} back. They " inadvertently '' canceled the card before removing all of the charges. OK, that 's fine ... I can understand mistakes like these. I also sent a message ( see attached transcript ) and received a response that it would be resolved.
Over the course of the last two months, the charge has not been resolved. Although BarclayCardUS insisted I am not responsible for the late fee charge or interest gained while they wait for the the balance to transfer and fix the charge, I am worried it could negatively impact credit score- and frankly, two months to resolve this is quite a long time, especially when their message says " maximum 30 days ''. On XX/XX/XXXX, I received a response asking for an addition " XXXX 10 business days '' to address the problem.
On XX/XX/XXXX, I called and spoke with XXXX ( ID # XXXX ) at XXXX XXXX and she asked for an additional XXXX10 business day extension.
On XX/XX/XXXX, after I requested a status update on the case, they claim that their fraud department has spoken with XXXX again and BarclayCardUS decided it is not fraud and have labeled it as merchant dispute as of XX/XX/XXXX. They messaged me and are now wanting me to contact them by phone, speak with managers, and ultimately compile documentation from XXXX and post it from overseas to prove it was fraud.
1 ) I am not sure how I can independently verify with XXXX that the charges were fraudulent, but their fraud department can not. That seems incredulous.
2 ) I am not sure why it was so easy to have XXXX reverse the charges for Card XXXX and also for me to cancel Card XXXX with the respective company ... however BarclayCardUS resolves all but XXXX charge and now has a new, different story two months afterward.
|
| 10/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/XXXX I realized I had a {$40.00} balance charged into my account as an annual fee. At this time, Barclays had not notified me of any pending balance in my account. I have not received statements on email, mail, mobile app, or text message as a notification of a balance due.
On XX/XX/XXXX, I talked to Collections agent at Barclays # XXXX whom I asked about my email and she said that it was incorrect. Barclays has an XXXX email that I have not used since XX/XX/XXXX. This person was very rude to me as she interrupted me and would not let me explain correctly that this balance was an annual fee and not revolving credit. I had paid off this account before an annual charge of {$40.00} was put on my account.
On this date of XX/XX/XXXX, I had to hang up the phone because I was driving and this balance had not been reported to the credit bureaus yet. I also paid the {$40.00} annual fee on this date. On the next day, credit-reporting agencies had notified me of a negative mark saying I missed payment. I believe that Agent XXXX submitted a request to an internal department at Barclays to report me as delinquent. At this point Barclays had not given me, nor this agent, the chance to pay off the annual fee of {$40.00} without reporting a negative mark to the credit bureaus. I am complaining against this agent and to Barclays for not notifying me or giving me the chance to pay this annual fee on time.
Agent XXXX was rude to me, interrupted me during our conversation, and talked back as if I was nothing. Barclays customer service practice is detrimental to clients and average people like myself. I believe this agent, in retaliation, submitted a request to report a negative mark to my credit report without explaining the policies or providing me information so that I could understand the process not receiving statements or notifications via web, email, mobile app, text message, or phone call. This practice is one that most banks are good at except that Barclays do not seem to care about clients and customer service agents like XXXX are allowed to be verbally and mentally abusive.
I called today XX/XX/XXXX and spoke to XXXX, agent # XXXX, and she stated that I could send this letter by fax or email. After she reviewed my account she stated on a recorded line that Barclays does not have a fax number to receive an FCRA Dispute Letter. That it can only be received by mail. Again, it feels like I am being misdirected to disputing this as a way to slowdown the process or prevent a person with XXXX from being able to do this on a timely fashion. It is also costing money and time to send a mailing letter. I am concerned that for immediate disputed there is no fax number.
I have been on work XXXX since XX/XX/XXXX due to several acute conditions arising from XXXX XXXX XXXX surgeries that I can provide documentation for. I have been under the care of XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX at the XXXX XXXX XXXX XXXX for these condition since XX/XX/XXXX.
I have strict limitations from going online and looking at a computer monitor since I am highly susceptible to XXXX XXXX and might triggered XXXX XXXX I am still on XXXX and was on XXXX on the dates of this incident.
At this time, I am requesting to remove all negative marks from missed payment reported on XX/XX/XXXX. I had paid off this balance on XX/XX/XXXX. Please remove all negative at all major credit bureaus including but not limited to XXXX, XXXX, and XXXX.
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| 01/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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This company allowed fraudulent transactions on my account and is unwilling to try to resolve this with me any further. On XX/XX/XXXX I was notified via voicemail of suspicious activity. I called customer service that day and was advised to call the fraud department the following day during business hours. On XX/XX/XXXX I spoke with the fraud department and disputed all charges made on and after XX/XX/XXXX as my last authorized purchase was on XX/XX/XXXX.
I am the main cardholder and there is a second authorized user. I was asked if my card had been out of my possession at any time and I informed that neither I nor the other user have taken this card out of the home and no one has access to them. After speaking with the fraud department I went online and updated my alerts and account preferences, only to see that my account profile showed two cards ending with the same last four digit on the existing cards had been activated on XX/XX/XXXX.
I called the fraud department back to ask why we cards were issued and why I was not notified, and was given a vague answer about how new cards are issued after a security breach. All of the fraudulent activity started the day after these new cards were activated and I pointed all of this out to the fraud department. They stated that an investigation would be initiated and that I would not be responsible for deputed charges in the meantime.
I received a replacement card or myself a few days later but had to call again to ask about the card for the additional user. Though I had bee in touch with the fraud department many times at this point about both cards, I was told that I had only reported one card. This was untrue and did not make sense as the charges were on both cards for almost the same amount at the same stores on the same day. It should also have been suspicious to them as I used this card for one utility bill at less than $ XXXX/month and always paid the balance in full. The second card for the additional user was replaced and both cards were activated by me on XX/XX/XXXX.
A few weeks later I received a letter in the mail dated XX/XX/XXXX stating that the investigation was closed and I am not responsible for the disputed charges. Most of the charges had been reversed and there was still a remaining balance of {$20.00} even though all of my authorized transactions had been paid in full. I checked my account again on XX/XX/XXXX to see that about half of the charges had been reinstated. When I called the fraud department again I had been informed that this was because they determined that some the charges were legitimate because I reported that my card was never out of my possession. I informed them again that the original cards were, but not the new cards that were reissued and activated without my knowledge. I was then told that there is nothing further that can be done to help me as the purchases were made in person with a chip card. When I asked about a signature being required by the buyer for such large purchases, and the fact that I was not present at those stores I was asked if I could possibly prove my whereabouts on the days in question.
Though I have been communicating by phone with them for 2 months about this, I wanted to also send a dispute letter by fax ad mail. I faxed a formal letter and included my statements with disputed transactions highlighted. I am also mailing these same documents on XX/XX/XXXX. I will contact the FTC regarding this.
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| 11/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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The date of the charge was XX/XX/21, the amount was {$640.00} and the merchant was XXXX XXXX. Initially, the charge was removed from my Barclay account after I disputed the charge online, but then I received a letter dated XX/XX/21 stating that the credit card 's fraud department had determined this was a valid charge and it was added back onto my account statement. On XX/XX/21, I spoke with XXXX ( Operational ID # XXXX ) who told me the charge would again be removed within 30 days. The fraudulent charge was never removed. I called again and was told that the charge was determined valid because I have made other charges for the same merchandiser and that location. If you check the XX/XX/21 charge for {$640.00}, you will see where the XXXX order was filled. All of my XXXX XXXX orders are filled at the same store ( XXXX XXXX XXXX in XXXX, Oklahoma ). Barclays today, told me the fraudulent charge occurred in Arkansas and it was considered valid because I have made other purchases from that same location in Arkansas. I then compared my XXXX XXXX account to my Barclay statement and noticed that in the last 6 months, I have multiple charges to Vendor # XXXX AR XXXX ( XX/XX/21 {$190.00}, XX/XX/21 {$140.00}, XX/XX/21 {$180.00}, XX/XX/21 {$140.00}, XX/XX/21 {$200.00}, XX/XX/21 {$110.00}, and XX/XX/21 {$150.00} ) which were all filled in XXXX, Oklahoma. ( By the way, XXXX is based in Arkansas so perhaps this is why the vendor ID is an Arkansas location. ) Barclay said I must have made the charge because I have other charges to the same merchant. I do have other charges to the same merchant, but I did not dispute any of the other charges because I actually made all of those charges. As you can see, my grocery bills have been less than {$200.00} and have never even approached {$600.00}. If you need further documentation, you may view my entire XXXX XXXX purchase history and see that I order mostly the same items each time and whatever was purchased on XX/XX/21 was different than my usual orders. You may also wish to look at the locations of the other charges on my Barclay account for XXXX. They were all on XXXX XXXX at XXXX XXXX in Oklahoma. I was not in Arkansas or wherever the XX/XX/21 grocery order was filled. On XX/XX/21, I requested BarclayCard to contact the XXXX XXXX Department and reference transaction # XXXX. I spoke to XXXX and they told me that this charge was not made to my XXXX XXXX account, but to another XXXX XXXX account. My XXXX XXXX account is under XXXX. I regularly order groceries from XXXX XXXX, but I did not make this charge. XXXX stated the XX/XX/21 charge was made to a XXXX XXXX account associated with a different email address. When I spoke to XXXX, I was told that I should not be the one calling XXXX to clarify the issue, as this is the credit card company 's responsibility. Obviously, the credit card company has not contacted XXXX or I would not still be dealing with this issue.
On XX/XX/21, I again spoke with Barclay 's Fraud Investigation Dept. I was told that my fax describing the above information was received on XX/XX/21 and that the fraud team was reviewing the evidence. I again called today, XX/XX/21, and was told that the team determined I needed to submit additional information regarding my claim. I do not know what additional information I could provide. I have requested to speak with a supervisor and was told they would request that a supervisor would return my call in 7-10 days.
|
| 09/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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This is a complaint against Barclays Bank Delaware ( address : XXXX XXXX XXXX XXXX, XXXX, DE XXXX, phone number : ( XXXX ) XXXX ).
My car was damaged in an accident caused by another party which accepted the responsibility. Besides body damage, gasoline leaked from my car due to this accident. The body work was performed at XXXX XXXX XXXX and gasoline leakage was repaired at XXXX XXXX. XXXX XXXX incorrectly reported to the insurance company XXXX XXXX XXXX ) of the other party that gasoline leakage was not related to the accident. So XXXX XXXX refused to pay for its repair. XXXX XXXX also threw away the damaged part despite my prior request, destroying the evidence. XXXX XXXX XXXX refused to release my car unless full payment, including the payment of the bill generated by XXXX XXXX was received. This was a highly asymmetric situation in which XXXX XXXX XXXX had much more control than me. Since my car was used like a hostage by XXXX XXXX XXXX, I had to pay {$610.00} at XXXX XXXX XXXX to get possession of my car. I made this payment using a Barclays credit card. The name of the business on payment receipt is XXXX XXXX, but the payment was for the bill generated by XXXX XXXX. I wanted to dispute the charge of {$610.00} immediately, but Barclays posed many obstacles. Barclays ' policy does not allow the payer to dispute the charge for 15 days after the transaction. Barclays ' online system does not tell how many characters are allowed in the complaint, causing the complainant to waste time on typing, only to see that additional characters can not be entered, and Barclays ' online system also does not allow the complainant to upload documents to support the complaint. So I spent money on printing, photocopying, and mailing for submitting the dispute to Barclays ' address in Delaware. I sent Barclays the violation-notification letter that DATCP ( Department of Agriculture , Trade, and Consumer Protection XXXX Wisconsin ) issed to XXXX XXXX for throwing away the damaged part, and opinions from 5 independent experts showing that gasoline leakage was related to this accident, Barclays ignored all this and conducted a very shallow investigation. Barclays never contacted XXXX XXXX about this. Barclays never contacted XXXX XXXX XXXX ( XXXX ) with the douments that I provided which I am providing again with this narrative, with two more documents. Barclays should permanently remove the charge of {$610.00} from my account.
Explanation of the 6 documents attached : ( 1 ) DATCP-Violation-Letter.pdf ( This is a letter from DATCP to XXXX XXXX confirming violation of a Wisconsin law by XXXX XXXX. ) ( XXXX ) XXXX ( Opinion of 3 independent external experts confirming that the kind of accident my car was in can cause gasoline leakage. ) ( 3 ) XXXX ( A highly respected book on accident investigation confirming that such car accidents can cause gasoline leakage ).
( XXXX ) XXXX ( This page shows that XXXX XXXX told XXXX XXXX insurance that gasoline leakage was not related to the accident. XXXX XXXX denied payment because of this incorrect diagnosis, and Barclays made it impossible for me to quickly dispute the charge. ) ( 5 ) XXXX XXXX Opinion of 4th independent external expert confirming that the kind of accident my car was in can cause gasoline leakage. ) ( XXXX ) XXXX ( Opinion of 5th independent external expert confirming that the kind of accident my car was in can cause gasoline leakage. ) Desired settlement : Refund
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| 10/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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On or around XX/XX/2021 I entered into a repayment agreement with Barclay 's US for my JetBlue Mastercard outstanding balance. The repayment agreement included a fixed payment of {$70.00} per month at a 5.9 % interest rate until the principle balance was paid. I agreed to the rate and payment terms and established 'autopay ' with Barclays XXXX
On or around XX/XX/2021 I contacted Barclays US because of credit misreporting - I discovered that Barclay 's was reporting this account as charged off and in collection status/unpaid. After two weeks of back and forth with Barclay 's, they submitted an updated report to the credit bureaus showing that this was an installment loan and payments were up to date. There were no missed payments and I was current on the installment loan as agreed.
On XX/XX/XXXX, I contacted Barclay 's after discovering that the payment for this credit card was not automatically drafting from my checking account. I was told that due to a 'system upgrade ' all auto-payment information was lost and needed to be set up again. I never received notice of any system upgrades, that I needed to reestablish autopay, or that I had missed any payments. I was told that my information would be referred to a supervisor who would contact me.
On XX/XX/XXXX I was contacted by a supervisor. This supervisor told me that while there was a system upgrade, my payments hadn't been drafting because Barclay 's 'AUTOPAY ' is really a setup of 12 'SCHEDULED TRANSFERS, ' and it is up to the consumer to re-schedule 12 payments each year. Further, I was told that I was now ineligible for the hardship repayment loan I had agreed to, and I lost the low interest rate due to my non-payment of the loan as agreed. I have been charged late fees and this account has once again been reported as delinquent to the credit bureaus.
I believe this is a violation of the fair debt collection practices act as well as a violation of the fair credit reporting act, and a violation of the unfair, deceptive and abusive acts and practices act. This creditor establishes a hardship repayment loan for a term of 60 months at a low interest rate, then schedules 12 payments, and expects the consumer to notice and/or reschedule payments after 12 months. Once the consumer misses a payment because they thought their loan was set up for automatic payments, they default on the installment loan, lose the promotional interest rate, incur fees, and are negatively reported to the credit bureaus for an unpaid loan balance. Further, each creditor that I have established a repayment agreement like this with has established autopay and I have not missed any payments since establishing the agreements because in all other cases auto payments from a checking account have been REQUIRED as part of the loan repayment agreement. This creditor is using a bait and switch tactic whereby they KNOW the consumer will default because they make the consumer THINK their repayment agreement payments are drafting from their account indefinitely until the loan is repaid, however this is not the case with this creditor. I further received no notice of ANYTHING to do with late or missed payments. I have requested the creditor reinstate my installment agreement and defer any missed payments to the end of the loan term. The creditor has refused to do so. I am prepared to file a legal complaint and sue this creditor in court for damages as a result of this matter.
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| 04/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Older American |
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Please note this is a NEW dispute. I previously filed a complaint about AAdvantage 's wrongly charging me for a fraudulent charge of over {$4000.00}. They are now retaliating against me for filing the earlier complaint with CFPB, and are putting a NEW fraudulent charge of a different amount, {$1000.00} on my account. I need your help again with this NEW, and different charge.
This {$1000.00} is a fraudulent charge that I notified them of promptly, a day or two after the XX/XX/XXXX post date, when I first went onto my account after it was posted. They said months ago they agreed the charge was fraudulent and took it off my account.
Now, after I filed a complaint with you as to a previous charge of $ XXXX, they are putting the {$10000.00} charge back on. In their XX/XX/XXXX letter notifying me that I allegedly owe then {$1000.00}, they state : 1 ) they have conducted a valid investigation - but dont provide any documentation of that, 2 ) they have " determined '' the charge is valid - without any explanation as to why, and 3 ) claim the merchant company provided " documentation '' - without disclosing what the documentation is or providing copies. I called their fraud team department to request they provide these documents promptly via fax or email ; they refused.
The XX/XX/XXXX {$1000.00} charge is fraudulent, which I notified them of promptly. AAdvantage Mastercard assures you on their that you can use your card with confidence because youre protected against fraud if you report it. I did that. Theyre still trying to bully and intimidate me into paying them something I dont owe.
When I called the fraud team to ask that documentation be emailed or faxed to me ( which they refused ), they told me to work it out with XXXX XXXX. When I reported the fraud to XXXX XXXX, they told me to work it out with my credit card company. Neither company has provided a shred of evidence for the money they claim I owe.
I would also ask that CFPB look into the question of whether US Barclays AAdvantage Mastercard is incentivizing fraud team employees to send out fraudulent and unsupported demands for payment by offering rewards or bonuses for employees ( or the team as a whole ) for amounts they recoup through the sending of these letters. The complete lack of documentation, and the nonsensical nature of the reasons given, raises the question of whether there is a business practice on the part of US Barclays AAdvantage Mastercard to send out these letters wholesale, to get money out of the card holders who at some point give up and pay even when they dont owe anything, just to stop the harassment.
BTW, I am a US XXXX XXXXr, having received this honor from President Jimmy Carter in a Rose Garden ceremony in XXXX. I was appointed to the Pennsylvania XXXX XXXX to the XXXX on XXXX and have advised members of the Pennsylvania legislature on bills in my area of legal practice, employment discrimination, and harassment. I served as a settlement judge for the Equal Employment Opportunity Commission.
In XXXX I was subjected to XXXX XXXX discriminating against me while I was trying to obtain a mortgage. Attached is my XXXX XXXX XXXXXXXX article about that. After this article, XXXX XXXX changed their practice nationwide to stop doing what they did to me.
I do not accept financial abuse from large corporations. Please stop AAdvantage from continuing to abuse and retaliate against me for fighting their extortion.
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| 03/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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Barclays refuses to change the credit report over XXXX dollars. When I called Barclays to pay this overdue XXXX dollars in XXXX, I was told when I called in XXXX that I did not owe XXXX Dollars and that my previous payment made the account current. Thus how can I be marked 30 days late on something I have tried multiple times to pay and resolve? Barclays insists on running my credit over XXXX dollars because they will not admit they made a mistake. Why would someone who has made every payment on time suddenly miss one month 's pay for {$37.00}?
Furthermore, Barclays removed the 30-day late reporting when the first dispute was filed, suddenly changed it to 60 days, and then back to 30 days. I am so baffled ; I need someone to accept my {$37.00} or take this 30 days late off my report. You can not refuse to take my money and report me 30 days late ; this is not fraud or retaliation because of being disputed. Furthermore, I consider it harassment and discriminatory treatment. Why would you do something to affect someone's credit for seven years by marking a payment 30 days past due over {$37.00}? Furthermore, the late amount never showed on any statement and did not reflect an overdue amount.
When I called in XXXX to pay over the phone, I instructed the representative to pay the amount to create the account current TO AVOID 30 DAYS LATE. The representative stated that the amount due was approximately {$110.00}. I spent this and thought the report had been made 30 DAYS PAST DUE. I'm XXXX XXXX XXXX and a XXXX XXXX XXXX XXXXXXXX XXXX ; why would you insist on damaging a young adult 's credit for seven years until they are XXXX XXXX XXXX, all for XXXX dollars? Common sense, why would someone make a payment and randomly not pay XXXX dollars of the due amount? Please do the right thing, remove it from the credit report, and let us proceed. Or please tell me why you feel it necessary to ruin a XXXX military dependent and XXXX XXXX who is a XXXX XXXX XXXX and worked many hours in XXXX on COVID units putting my own life at risk for the service of others. Now you want to ruin my credit over {$37.00} ; why? Perhaps this was a simple miscommunication, or the information was misunderstood. It happens, so let 's fix the issue and move along, please fix the problem, and I will be happy to pay the amount of the card off and close the account, and never do business with Barclays again. Or please provide me a reason as to why you are insistent on reporting {$37.00} overdue. As big of a bank and organization as Barclays saying someone for {$37.00} for being 30 days late seems a little excessive for a company that made $ XXXX in XXXX, so was {$37.00} going to make or break the bank? Please let me know why this {$37.00} issue was escalated to the office of the president of Barclays, and yet still there is the insistence on this being on my credit report as punishment. Come on... you are better than that ... I will be happy to place this issue in the Court of public opinion ; I would be interested to see what other individuals think about a billion-dollar company coming after a XXXX, military dependent, public servant and health care professional for XXXX dollars, of which, by the way, again when I call your representatives, they still tell me I don't owe anything that there is no {$37.00} to pay, and further that " there was no {$37.00} overdue in XX/XX/XXXX, which I was told by three different account manager.
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| 06/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Dear CFPB : I am an XXXX however I need your kind attention and help in this matter : The airline company cancelled my flight and the travel agency and the BarclaysXXXX XXXX is refusing to refund charges and fees for those cancelled flights.
( 1 ) On XX/XX/XXXX, I purchased an airline ticket through the website XXXX, owned by XXXX ( See : XXXX ) ; ( 2 ) On XX/XX/XXXX, I made a change to my flight and the travel agent XXXX aka XXXX charges me an additional fee of USD {$1300.00} and USD {$130.00} ( See : Screenshot XXXX XXXX, and XXXX ) ; ( 3 ) On XX/XX/XXXX, I was suddenly informed by XXXX aka XXXX that the airline has cancelled my flight and they can either find a new flight or give me a full refund. The travel agency only gave 12 days deadline to respond ( See : XXXX ) ( 4 ) From XX/XX/XXXX onwards, I disparately called the travel agent everyday more than once to get a new flight by calling their number ( XXXX ) XXXX ; ( 5 ) My last call was made on XX/XX/XXXX and lasted about 23 minutes ( see : XXXX ) ; ( 5 ) On XX/XX/XXXX, I informed them over the phone and via email that because they can not provide an alternative flight, I want a full refund under the terms of the airline which was stated in their email. They cancelled the whole reservation immediately the same day ( see : XXXX, XXXX, XXXX, and XXXX ) ; ( 6 ) I received the only response on XX/XX/XXXX for the first time stating that they will issue a full refund ( see : XXXX ) ; ( 7 ) On XX/XX/XXXX because I had received no response or refund from XXXX aka XXXX, I filed credit card dispute for the amounts of USD {$1300.00} and USD {$130.00} with the issuing bank at BarclaysUS.com ; ( 8 ) BarclayUS.com issued a temporary refund and informed me via a letter that they will investigate the dispute and let me know if they need anymore information. I stated : " I made a reservation and travel changes with the XXXX. The flight was later cancelled by the airline and the travel agency has failed to re-issue the tickets after waiting 7+ days. Please, note I have contacted the travel agent at least 6 times without any resolution. " ; ( 9 ) However, today I noticed my XX/XX/XXXX statement and found out that the disputed transactions have been added back into my bill ( see : CreditCardStatement ) ; ( 10 ) I immediately called their number at ( XXXX ) XXXX and spoke with the bank for about 37 minutes ( see : Screenshot XXXX XXXX- please note that the timestamp is XXXX because I am currently in XXXX which is 12 hours ahead of the USA for business and family trip ) ; ( 11 ) The agent of the bank, XXXX XXXX, from the dispute department stated that the case has been closed and the amount has been re-charged without notifying me or giving a chance to respond.
( 12 ) The bank told me that I can not reopen the case unless I write to them or fax them. When I asked for a manager, she was unable to find anyone. Then when I mentioned that I am out of the country, she gave me an incorrect fax number to send my request to reopen the case. The false fax number was ( XXXX ) XXXX. I asked XXXX XXXX multiple times and verified the number because it was a odd combination of numbers. Therefore, it is clear from the bank 's actions that they are unwilling to provide any assistance whatsoever even when I asked them that if I should file a complaint with the Consumer Bureau or not. The bank refused to help.
( 13 ) I need your immediate help to resolve this issue.
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| 07/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This letter is a formal complaint that Barclays Bank Delaware are reporting inaccurate and incomplete credit information. This is in direct violation of 15 US code 6801 as well as 15 US code 6802. Barclays Bank has not contacted me in any way informing me that they would share personal information with a third party. I do not want any personal information shared with any third parties. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : - Barclays Bank Delaware {$3300.00} I request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my wet signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I am also seeking compensation on this matter for Barclays Bank violation of my consumer rights. I would be willing to settle out of court for half the amount that I am owed for such violation. If there is no payment made. I would like to take this matter to the courts to sue Barclays Bank for these violations. Thank you
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| 01/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Unexpected increase in interest rate
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Web |
Servicemember |
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On XX/XX/XXXX, I submitted complaint # XXXX against Barclay Bank regarding a credit card I currently hold with them that was originally held by XXXX XXXX XXXX. On XX/XX/XXXX, the company responded to my complaint, however, the company never addressed the issue of my complaint. The complaint was then marked Closed by CFPB. I did not understand how the complaint could be marked closed when the main points were never addressed in their response. I provided feedback on XX/XX/XXXX and requested the complaint be reopened. On XX/XX/XXXX, I called CFPB and learned that I would need to submit a new complaint to officially reopen this complaint.
I am submitting a new complaint with the expectation that I receive an answer to the following : I am formally requesting a copy of the Change in Terms letter that directly explains when and why my FIXED RATE credit card ( originally with XXXX XXXX XXXX ) became a VARIABLE RATE credit card once the account was taken over by Barclay. If Barclay does not have a document that addresses this Change in Terms with regards to my FIXED RATE, then I feel fraud, and possibly illegal actions, have occurred against my account.
I am asking for an explanation as to how I can be charged a VARIABLE interest rate on money that was purchased on a FIXED rate.
I ask that CFPB reviews the response from the company to be sure the company is addressing the previous two points before closing the complaint.
I am attaching the documentation that was provided by the company as a response to the complaint for review. The XX/XX/XXXX documentation ( XXXX XXXX XXXX ) I was provided by the company as their response does not address the issues. I feel as if the company chooses to ignore the main point. In the company 's response regarding the Change in Terms agreement ( paragraph 2 and paragraph 5 ) the information letter that was mailed in advance of the conversion does not address a change in my FIXED RATE card to become a VARIABLE RATE card. The XX/XX/XXXX Change in Terms agreement addresses " a minimum interest charge '', " transaction fees for transfers, checks, etc. '' foreign transaction fees '', " returned payment fees '', " late payment fees '', " over the credit limit fee '', " APR for cash advances '', " the penalty APR '' and the " options '' I have if I do not agree to these terms by XX/XX/XXXX. In the document from XXXX XXXX, ( XXXX XXXX. ( CFPB ) .pdf ) she explains in paragraph 4, " At the time of the account transition from XXXX XXXX XXXX to Barclays , the Prime Rate was 4.25 %, the current Prime Rate is 5.25 %. '' This response makes it appear as it my account was based on the Prime Rate. What validity does this statement have when it was a FIXED RATE APR account? My husband still have his account with XXXX XXXX XXXX with his FIXED RATE. Until I have documentation proving otherwise, my account would still have a FIXED RATE as well if it was still held with XXXX XXXX XXXX. It is not until Barclay took over my account that it became a VARIABLE RATE centered on the Prime. I am not pleased with the fact that the response did not address the most significant issue in my complaint. As an American consumer and a customer of Barclays, I expect the next response to address my points above. Based upon the response from this second attempt will determine if I will pursue legal advice from the military base to decide how to further proceed with getting this issue resolved.
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| 01/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I noticed on my credit report, there was an inquiry that I don't recognize nor did I authorize. I know according 15 U.S. Code 1681a 4 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
I learned that according to XXXX XXXX XXXX XXXX says that ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a XXXX grand jury, or a subpoena issued in accordance with section XXXX of title XXXX or section XXXX of title XXXX.
I do not have any court cases ....
( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
( XXXX ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or I never gave any written instructions...
B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or I am not employed I am retired nor did I receive a new insurance policy ( XXXX ) In response to a request by the head of a XXXX or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
My husband does not pay me child support...
XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
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| 09/03/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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|
Web |
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Thank you for reviewing this matter. My experience with XXXX has been an utter nightmare. I have worked diligently for decades to be a responsible credit holder and achieved a credit score exceeding 800. As I am a XXXX XXXX XXXX and XXXX XXXX XXXX this is integral to my livelihood. I applied for a XXXX due to the advertised no fee balance transfer fee and was approved with a {$30000.00} credit limit. At application it was asked what I intended to transfer and I listed {$20000.00} from my XXXX XXXX as one of the intended transfers. Approx 2 weeks later I received my credit card in the mail showing a XXXX balance. There was zero mention of a pending transfer in process. I waited an additional 2 weeks and received an email that I was free to initiate my balance transfers. Again my balance showed zero and there was no notation anywhere of a pending transfer. I logged on and requested XXXX to my XXXX XXXX, XXXX to a second account, and XXXX to a 3rd. Making careful not to not utilize 100 % of my avail credit as I know the negative ramifications this has on my credit score. I was diligent to utilize only {$28000.00} of my XXXX limit again to preserve my credit standing. A days later I logged on and noticed that XXXX XXXX had been paid two payments of {$20000.00}, a total of {$40000.00}, which even exceeded the amount owed on the account. Furthermore despite my credit limit being XXXX, XXXX was my balance, exceeding my credit limit by XXXX. I immediately called XXXX and was passed from associate to associate and got nowhere. I opened a case number XXXX and was told a manager would be calling me. The following day no one called I called again and same continued associate upon associate told me nothing they could do, payment had posted, could not recall it. It was recommended by an associate to apply for a credit limit increase to bring my account to positive standing or pay the overage down. I did not have over {$18000.00} laying around so I consented begrudgingly to applying for an increase, only te be met with an immediate decline as " I was over my avail credit limit '', which was already know when they suggested it in the first place. Hours and hours on the phone with associates and managers and not one person took any ownership to resolve this grotesque error on behalf of XXXX. I called XXXX and arranged for a payment to be made to XXXX of {$19000.00} which brought the account now under my credit limit and back to positive standing. This all transpired in a 5 day window I called of the error the day it happened, called daily pleading for resolution and opened a case number, then personally fixed it after days of getting absolutely nowhere with XXXX. The following day I received an alert from XXXX credit monitoring services that my credit score decreased 73 points on XX/XX/19, the reason cited as I had exceeded my credit limit on XXXX. I killed myself to fix their error and I was reported negatively nonetheless and took a massive credit hit as a result thereof. I feel their handling of this matter is nothing short of criminal. I have worked hard and diligently to be an exceptionally responsible credit holder and the negligent actions of this institution have impacted my profoundly. Please I urge for your help in this matter what I have been through is wrong and this institution needs to be accountable to fix this tremendous error their actions and poor communication caused.
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| 10/01/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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Fraudulent charges that were made on my Barclays Frontier Credit Card on XX/XX/XXXXXXXX XXXX XXXX XXXX. Numerous times, I have spoken with customer service, the fraud department, and left messages with XXXX in the office of the president to no avail. If you look at all the information I've shared, there is absolutely no possible way my mom or I could have made any charges in New York after XXXX XXXX XXXX XXXXXX/XX/XXXX.
My name is XXXX XXXX XXXX. My mom, who is my legal XXXX XXXX is XXXX XXXX. Due to my XXXX, I have very little XXXX XXXX. As my XXXX XXXX, a judge has given my mom the legal authority to act on my behalf and help me understand my rights, make phone calls for me, attend appointments with me and support me through the process of challenging any claims against me. Guardian Advocates are governed by section 393.12 of the Florida Statutes.
All of the current charges that are left on my account are fraud. I filed complaints with CFPB and the XXXX because its clear that the evidence of fraud that I have provided is not being taken in account. Each time Ive provided NEW information and proof. Each Barclays response states there was no new information provided which is not true. I have received at least four different reasons from Barclays stating why the charges are NOT fraudulent ; however, there is no basis for any of them.
I was home in XXXX XXXX. The only valid charge on XX/XX/XXXX was at XXXX XXXX. Please see attached documents that prove when my mom returned to XXXX and that I was in XXXX when the charges in questions were made.
The first reason Barclays fraud team gave for saying the charges were not fraudulent was that I was notified of these when they were being made. That is NOT true. I was not notified that any charges were being made on my card in XXXX. I did not realize these XXXX charges were made and that my card was lost on XX/XX/XXXX until I received a payment late notice from Barclays. The second reason I was given the reason that the card was in my possession so the charges were not fraud. No my card was lost in New York.
I ALWAYS pay my credit card balances off every month and have always had an excellent credit rating. I have not charged anything on this card since XX/XX/XXXX because I didnt have it.
Please understand that I allowed my mother to use my card when she was in XXXX. Barclays third reason they said this was not fraud because I had authorized my mom to use my card. That makes absolutely no sense because she flew home from XXXX on XX/XX/XXXX. Each time I've appealed I'm given a different reason why the charges are not fraud.
The documentation I've provided has NEVER been acknowledged. I can provide additional documentation if needed that proves we were in XXXX when the fraudulent charges were made.
Barclays continues to charge interest & late fees on these fraudulent charges and ruin my credit score. This is truly a travesty. I have always had an excellent credit rating and paid all my credit card bills in full every month. I have a XXXX have done my best to explain the truth and provide proof but they have never responded to that actual proof that this is fraud. PLEASE UNDERSTAND. WE WERE IN XXXX NOT NEW YORK WHEN THE FRAUD WAS COMMITTED.
I have a XXXX and this is causing extreme stress and suffering because Barclays is denying the documentation that proves there is no possibility, we could have made the charges in dispute.
|
| 03/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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|
Web |
Older American |
|
AAdvantage XXXX ( Barclays XXXX ) advertises as follows on its website : " Use your card with confidence. Count on Barclays ' {$0.00} Fraud Liability protection.
With our fraud liability coverage, you aren't responsible for unauthorized purchases made with your card that you report to us. It doesn't matter if your card is lost, stolen or breached - online or offline - you're protected. Call it " business as usual '' : 1. Shop with confidence Use your card to make purchases anywhere in the world.
2. Report unauthorized transactions immediately Keep an eye on your monthly statements and be sure to tell us right away if you spot any unusual account activity. Simply call the number on the back of your card.
3. Get resolution fast. If you let us know about an unauthorized transaction, we'll investigate it and correct the issue as quickly as possible. '' They violated this promise to me recently. My card was hacked, and I reported a fraudulent transaction from XXXX XXXX on card XXXX on XX/XX/2023 for about {$1000.00}. They agreed this was fraudulent and send me a new card. On XX/XX/2023, they put through a second fraudulent charge from XXXX XXXX on card XXXX for about {$4000.00}. ( While the " account number '' at that point had been updated because I was sent a new card after reporting the {$1000.00} fraud, the relevant information is that the {$4000.00} charge was made using the SAME COMPROMISED NUMBER of XXXX, which I had reported as fraudulent, and was from the SAME COMPROMISED VENDOR, XXXX XXXX, which I had reported as fraudulent.
AAdvantage has now closed my investigation, and this is their finding : " We have completed our investigation and have determined the activity is valid because your bank account was used for payments against the charges. '' I have called them to ask what they mean by this ( if it's been paid, why am I being charged? ). I have spoken with 2 reps and a supervisor, and they can't tell me what it means ; they just repeat " the investigation found this was valid. '' They have refused to give me documentation in support of this incorrect conclusion.
( One of the reps told me they found it was valid because the person purchasing the service used a version of my name, " XXXX XXXX '', which is in the public record.
( I'm like.. one, that's not even my full name, two, of course 100 % of fraudulent transactions used the hacked card holder 's name, three, if it's in the public record ( which of course my name is in the public record, on linkedin, and various other places ), how does this prove I made this charge?
On the basis of this nonsense, they are charging me over {$4000.00} and will report me as delinquent on XX/XX/2023 when I don't pay this fraudulent balance. charge. I am a small business owner, woman-owned, and Latina-owned, and I am trying to buy a house this week. Literally. My current XXXX XXXX is XXXX and XXXX, partly because I have a 100 % on-time payment record. They will destroy that in 15 days if you don't take action. Please, I am begging you for assistance.
I have reported this to my Congressman, whose office is calling them today. I have also been filing fraud reports with XXXX XXXX and with a local consumer reporter. Please, please help me. CFPB is a critical protection for consumers who have such little power against a company that can ruin my credit and charge me over {$4000.00} just because they say so. Thank you, XXXX XXXX
|
| 07/22/2015 |
Yes |
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Web |
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I have had Barclaycard since XXXX. I enjoy using the card and convince checks and manage my financial very wisely. I have wrote many checks using Barclaycard and my account went from XXXX credit line to {$12000.00}. Recently, I wrote a check for {$6000.00} at 2 % fees. The next day XXXX/XXXX/XXXX, I called Barclaycard XXXX XXXX XXXX XXXX XXXX to cancel the check. After a few minutes conversation with customer service rep. She said she can not see the check but she will cancel it and put a stop to it. On XXXX XXXX, XXXX I saw the check posted to my account and called again customer service to inquire about why my account had been debited {$6000.00} plus fees. Customer service rep. XXXX created a case # XXXX and stated that she noticed as well that I called XXXX XXXX, XXXX to cancel the check, she stated the check is canceled and she will see to it. NOTE, XXXX knew this was convenience check and stated in the benign of out phone call conversation that this was a convenience check. Now everyone is saying OH, we do n't cancel convenience checks. But no one told me this on my XXXX call they can not cancel the check. in fact the first XXXX calls to customer service give the impression that i was in a good hands and i should not be worried. When I realized that check was still posted to my account, I call again XXXX XXXX XXXX and spoke a customer service rep ( XXXX XXXX who stated confidently that the check is indeed canceled and I should not worry about it at all. I asked why is it still posted to my account and He said it takes several days to clear and I should not worry..
XXXX XXXX, XXXX I got a text message from the person I wrote the check to saying in a text message " Thank you '', I said for what and he said " the check cleared ''. I immediately called customer service to find out why the check is cleared and who is responsible for it? Their answer was they can not stop convenience check!!! I did not know what to do. this is a big check and I can not assume the responsibility when I was told incorrect information by XXXX customer service reps. on XXXX separate times.
XXXX/XXXX/XXXX called to cancel the check exhibit 1 recorded conversation.
XXXX/XXXX/XXXX called to again to confirm the check was canceled. Exhibit XXXX recorded conversationXX/XX/XXXX called the third to enquire why my account is debited with XXXX at this point I was assured that the check was canceled and I need not to worry, it just takes couple days to clear from my account. Exhibit XXXX recorded conversation.
XXXX/XXXX/XXXX called customer service to ask why the check clears after it was canceled?
Customer service stated they can not cancel convent checks. I said that is not what I was told on XXXX separate calls, in fact I was so sure that the check is canceled when I called on XXXX/XXXX/XXXX.
XXXX/XXXX/XXXX called again and no one wanted or know how to help me. So they suggest to talk to dispute department which was located in XXXX, XXXX. The customer service dispute Rep was located in XXXX, XXXX did not know what do. This dispute was just to get rid of me. ( Exhibit 4 ) recorded conversationBarclaycard customer service misinformed me on three separate times and are now avoiding solving my issue. I have offered to work with them. I am very confused and do not know what do. I need your helpThank you, XXXX XXXXExhibits are the phone recorded conversation between me and XXXX Customer Service Rep.
|
| 11/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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I ( along with a group of people ) stayed at the XXXX XXXX XXXX XXXX in XXXX, XXXX in XX/XX/2023. Upon check-in, the hotel made a pre- authorization on my card for things such as drinks or extras, in the amount of {$710.00}. As the money from this pre- authorization was never used, upon check-out, the hotel said it was reversing the pre- authorization, and gave me a document ( see attached ) confirming the pre-authorization ( see attached ). However, despite the fact that the hotel stated that the pre-authorization had been reversed, the amount in question remains on my card. In late XX/XX/2023, I called Barclays to file a transaction dispute ( Barclays XXXX XXXX # XXXX ) as to the transaction in question. Barclays and its employees misrecorded the reason why the transaction was being disputed. Barclays put on its records that the transaction was being disputed because I had already paid for same through some other method, when the transaction was being disputed not for that reason at all but simply because the transaction pertained to a pre-authorization ( that unduly stayed on my card ) that the merchant itself stated it had reversed.
Barclays closed the dispute without even genuinely investigating it, as required by the Fair Credit Billing Act. I then wrote a letter to Barclays to request reopening the dispute, and I presented clear evidence that the merchant itself stated it had reversed the pre-authorization. Barclays again closed the dispute without even genuinely investigating it. I requested, again, for a third time, for Barclays to reopen the dispute, and Barclays again closed the dispute without investigating it. On XX/XX/2023, I called Barclays XXXX Department and was informed that my dispute had been closed again because Barclays did not receive proof that I had paid the charge being disputed through other means. This is clear proof that Barclays has not even conducted a genuine investigation ( in addition to the fact that Barclays grossly misrecorded the reason why the transaction is being disputed, as stated above ) as I never alleged that I paid the charge in question through some other means but the transaction is being disputed because it pertained to a pre-authorization ( that should not have stayed on my card ) that the merchant itself stated it had reversed..
I have, for the fourth time, written to Barclays to re-open the dispute ( Transaction Dispute # XXXX ), and Barclays has not responded to my fourth request. There is either a persistent clear misunderstanding ( as to why the charge in question is being disputed ) on the part of Barclays ( saiid clear misunderstanding would be due to Barclays own gross negligence in handling my complaint, including Barclays failure to conduct a bona fide investigation as to my dispute ), in addition to clear bad faith and intentional mishandling on the part of Barclays.
On XX/XX/2023, I called Barclays again and was informed that Barclays did not intend to reopen my dispute regardless of the evidence. This is clearly a violation of the Fair Credit Billing Act, which requires credit card companies to conduct a genuine and bona fide investigation as to each transaction dispute. In this case, it is clear that Barclays never conducted any genuine investigation whatsoever as to my dispute, as Barclays is unable to even furnish the merchants version of the facts, which I repeatedly requested to Barclays.
|
| 02/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
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I have an XXXX XXXX credit card account with Barclay 's Bank. This is a rarely used account. The balance has always been paid in full each month.
In XX/XX/XXXX, the bank lost my street address. It is unclear how this happened. I did not move, have my mail returned to sender, or participate in this error in any way. In XXXX my address was correct on my Barclay 's statement. On the XXXX statement ( which I have only recently seen online, as it was never mailed to me ), my address included my name, my city, state, and zip code, but no street name or street number. A customer service representative has confirmed that when my XXXX statement was sent out, it was returned to Barclays. This error was never corrected by Barclays. It appears never even to have been looked into, as I was never contacted by phone about the returned statement, despite having my phone number on file with the bank. At the time, I had a balance of {$62.00} because I had recently travelled and charged baggage fees to the XXXX XXXX card. Because I was never notified of the balance, it was never paid. I was never contacted about this. No phone call was ever made, nor was any mail sent to my address concerning my failure to pay my bill. Given that I was not using the card, I did not realize this problem until XX/XX/XXXX, and by that time three months of delinquencies had been reported to the credit rating agencies.
Upon finding out about the unpaid balance and delinquencies, I immediately called the bank ( on XX/XX/XXXX ), where a customer service representative ( XXXX, ID : XXXX ) and I went through the statements and figured out that my address had been lost and when the loss occurred. She credited me back all late fees, interest, and penalties and gave me an address to contact to correct the credit reporting. I mailed that address a letter explaining the above story, as well as a copy of my statement from XXXX ( which had my correct street address ), and the ones from XXXX onward ( which did not ). I requested that they remove the three months of delinquencies from my record with the consumer reporting agencies.
Additionally I closed the account and have since paid the balance in full.
I received a reply dated XX/XX/XXXX explaining that correcting my record with the consumer reporting agencies would create an inaccurate representation of my account.
It is my position that it is the responsibility of the bank not to lose my address and to make me aware of my balance, and that one can not be delinquent in paying a bill that one was never sent. Furthermore, though it has a phone number on file for me, Barclays made no effort to call me about either the missing address or the unpaid balance, when it clearly knew from the returned statements that the address was in error and that I was not receiving balance notifications. Therefore, while the account may not have been paid, it certainly was not delinquent. Barclay 's customer service department has admitted as much by removing the interest and late payment charges from my account. I would like to have my credit corrected as expeditiously as possible.
Of note, before submitting this, I sent a copy of this entire complaint to Barclays to review, with a cover letter that I was planning to submit it on the CFPBs complaint website. I have attached both the cover letter and Barclays response, in which they declined to correct my credit reports.
|
| 03/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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My credit card underwriter, Barclays, is holding me responsible for {$750.00} for XXXX XXXX charges made by someone hacking into my XXXX XXXX online account, which my credit card is saved under.
FACTS.
XXXX XXXX fraud called me on Sunday, XXXX XX/XX/XXXX regarding multiple online orders placed under my name. They did not reach me and did not leave a message. Their number, XXXX, does not allow for inbound calls, but they called again on Tuesday, XXXX XX/XX/XXXX regarding the fraud at which time they agreed to cancel the orders ( the same number was used in both instances as noted in my phone records ). To be safe, I immediately called XXXX after the conversation, who underwrites the XXXX linked to my XXXX XXXX account. At no time was the credit card not in my possession.
On about XXXX XX/XX/XXXX, I received a letter from Barclays dated XXXX XX/XX/XXXX stating for the first time that I am responsible for a {$750.00} charge from XXXX XXXX. I called Barclays at XXXX asking how this could be. They told me that XXXX XXXX presented documentation that someone using my name and credit card ordered and picked up the computer so the charges are " valid. '' I was offered the opportunity to appeal, but was encouraged to seek any video footage from the store and to supply Barclays with a copy of the merchants " online purchase policy. '' They also made it clear that they would not take any affirmative action and seek further proof from XXXX XXXX ( like the information about XXXX XXXX fraud calling me ), but that is my duty as the victim to provide documents to support a negative ; that I did not incur charges from XXXX XXXX.
On XXXX XX/XX/XXXX I visited XXXX XXXX at XXXXXXXX XXXX XXXX XXXX, VA XXXX and spoke with a store manager. She told me that in their system, she saw under my XXXX XXXX account that Order # XXXX was placed on XXXX XXXX and picked up curbside on XXXX XXXX She also told me that curbside pick ups do not require customers to show their credit cards or ID to retrieve items, but to show a code that is sent to them. She also stated that any video footage of the transaction is no longer in the store 's possession ; they do not keep video footage for 60 days. Lastly, she saw that Order # XXXX, which was placed on XXXX XXXX was cancelled on XXXX XXXX.
I called XXXX XXXX Customer Care and a representative opened a case for me, # XXXX. Since then I have called back for updates, and was told fraud investigations are for internal use only ; that I could not talk to their fraud department ; and that I needed to resolve the issue with my bank. In turn, I called XXXX XXXX 's corporate office, who simply routed me back to XXXX XXXX and would not answer if they maintain store footage at the corporate level.
DOCUMENTS WITHIN MY POSSESSION THAT SUPPORT THE FACTS In my Spam folder I found a number of emails that support that at least two orders were placed as identified over the XXXX XX/XX/XXXX period and that someone tried to change my XXXX XXXX account password on XXXX XXXX.
XXXX XXXX 's Curbside Pickup Frequently Asked Questions, which state, among other things, " When approaching your vehicle, employees will keep a safe distance and will not ask you to hand over an ID or hand over your phone/order number. '' Letter from Barclays substantiating that I am being held financially responsible for {$750.00}.
A copy of the police report I filed electronically.
|
| 03/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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Debt from Barclays Card is result of identity theft. I have sent ID theft affidavit, police report, my identification, and Barclays statement of fraud to Barclays on 10 occasions to the address listed on the Barclays Statement of Fraud form. Barclays ignored these communications and willfully violated the law. Barclays has failed to stop furnishing the information to the CRA 's as required by FCRA. Barclays then sold the debt to XXXX XXXX XXXX, a debt collector licensed in the state of New York.
XXXX XXXX XXXX sent the required notice of debt on XX/XX/XXXX to an address I have not resided at since XXXX. This is because Barclays continues to use the identity theft information on file and they provided that wrong address to XXXX XXXX when they sold the debt to them.
This notice was forwarded to my current address. I responded to the notice from XXXX XXXX XXXX via certified mail on XX/XX/XXXX to their XXXX XXXX Address listed on the notice. XXXX XXXX received the certified mail on XX/XX/XXXX and signed for the certified mail. They did indeed receive my dispute of the debt and the correspondence I included with that showing the identity theft affidavit, police report, copies of communications sent to Barclays, Notice to furnishers of information and my proper photo ID.
I also emailed this same information to XXXX XXXX XXXX on XX/XX/XXXX to the address listed on XXXX website. I have included a screenshot that shows the email address XXXX is listed on their website and that " consumers may send disputes directly to this email. '' XXXX XXXX XXXX XXXX never responded to my identity theft dispute that was sent certified mail nor did they reply to my email of dispute sent to XXXX.
The FDCPA states that when a consumer disputes a debt, collection activity and measures must stop until the dispute is resolved. XXXX violated the FDCPA when they ignored my mailed dispute and emailed dispute and continued to contact me about this debt. I am a victim of identity theft. They have been provided the proper proof required under consumer protection laws and should not be contacting me. They need to return the debt back to Barclays since it never should have been sold to them in the first place.
XXXX again called me on XX/XX/XXXX on my work number of XXXX and forced me to verify the last 4 of my social and proceeded to tell me I owed XXXX plus dollars to them and they are collecting a debt. I hung up on them as they should not be contacting my work phone number. They also should not be contacting me at all since this is disputed under the identity theft provision of the law.
I then contacted XXXX myself on XX/XX/XXXX and asked for an email address for a supervisor. The representative I spoke to provided me the email of XXXX and XXXX.
I emailed my dispute for a second time on XX/XX/XXXX since they never replied to the original email or certified mail on XX/XX/XXXX. This second email was sent to : XXXX and XXXX and XXXX. I asked that they reply with confirmation that they have received my dispute and again no response.
They are in direct violation of the FCRA and FDCPA. They contacted me after I had filed a dispute with them. They fail to recognize my identity theft claim. They fail to return the file to Barclays. They contacted me on my employment number on XX/XX/XXXX of XXXX even after I asked them to only contact me via XXXX mail or email in my dispute letter.
|
| 07/11/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
Older American |
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On XXXX XXXX at XXXX XXXX I called Barclaycard in regards of documents that they have asked for me to mail in order to take into consideration my application for a XXXX XXXX XXXX card. The representative XXXX advised me that the call was from the fraud department and that I was being recorded, which I had no problem with. Asked me for security questions which I responded. She explained that they received the documents that I mailed but that I needed to resend a bank statement and my social security card. I explained to her that I had no problem in doing so and that please note in the system that my social security card is the original one, not the blue one.That 's when she again reminded me that they were from the fraud department and that I was being recorded, she asked me how old I was which I answered, and for my mothers maiden name which I also answered. This was follow by this response from XXXX : " I 'm here to determine if you are the person that filled the application and if I do n't think you are you will be denied '' My response '' No problem, just let me know what you need me to send or need to know. I said : If this is because of my voice, I know that my voice sounds feminine, it has happened to me before but I 've never been denied anything for that reason for that reason '' Obviously that would be discriminatory. She then asked me " Which email you used for the application '' I answered I have 2 emails, personal in which I use my middle name modified, she interrupts me to say " Good 'cause I can see here your middle name '' which sounded for me a bit like a warning from her, but at the same time I was relieved that I was going to be able to clarify everything finally. I explained I also have a Business one. I said : " I used my personal one on the application and started saying it and she stopped me and started laughing. I asked what is so funny? and she responded " Well that 's not what I have here '' I said : Why were you laughing? That is disrespectful you do n't even let me finish, to which she response I do n't believe I did ( completely changed her tone ) and I said " Well, you advised me that we were being recorded please connect me to your supervisor so he listen to this conversation that we just had. '' This was at XXXX XXXX I waited 8 minutes for a Supervisor named XXXX to assist. At this point I am very discontent. XXXX introduces me to her supervisor like this " Ma 'm? here is my supervisor, to which I replied, I 'm not a ma 'm but go on, and he again states that we were being recorded and I responded : " OK, well I 'm going to be recording too '' At that second he said that by bank policy they could NOT be recorded, to which I replied " So you can record me for evidence but I ca n't record you for evidence? '' " Yes '', he answered. " I will have to disconnect this call '' " Ok '', was my response and he hang up.
This company asked me for copies several documents : -ID- License -Social Security -Bank Statement -Utility bill They were all sent in color copies. It is very discriminatory and disrespectful from Barclaycard Customer Service to laugh at their clients for their tone of voice. Like I said, this happens to me all the time, but I 've never been laughed at before. I 've had to confirm my identity in many occasions, but nobody had made laughed at me, specially when I have no problem confirming my identity in any way.
|
| 02/22/2017 |
Yes |
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Web |
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I noticed a discrepancy to my account balance in XX/XX/XXXX and so requested copies of the Barclays courtesy checks I had written to verify the balance. The courtesy checks were mailed to me on XX/XX/XXXX. I found that a single courtesy check payment in the amount of {$1900.00} that I had written to XXXX XXXX XXXX was posted to my account by Barclays Group twice, on XX/XX/XXXX & XX/XX/XXXX. Hence, there was a duplicate posting of a single payment as well as related bank charges and fees for the duplicate posting of the payment. I called Barclays on XX/XX/XXXX at XXXX and spoke with XXXX . I explained their discrepancy and XXXX created a case # XXXX, explaining it would take approximately 7-10 business days to correct the duplicate posting. I waiting and nothing. I called back on XX/XX/XXXX at XXXX and spoke with XXXX , who then transferred me to her manager XXXX . XXXX explained that the original case # made on XX/XX/XXXX was to the wrong department, and that she would need to create a new case #. XXXX created case # XXXX and told me it would be another 7-10 days to correct the issue. In the meantime, XXXX said she would reverse the related fees and charges applied to my credit card account as a direct result of the the erroneous posted duplicate transaction. She apologized and said she had expedited the case. No one ever attempted to contact me and when my XX/XX/XXXX billing statement came out, the error was STILL not corrected. So, I called yet AGAIN on XX/XX/XXXX at XXXX and was immediately transferred to another manager named XXXX , whom I was on hold with and spoke with over the course of 27 minutes. XXXX said that he had expedited the case to his direct manager and that the issue should be resolved within 3-5 business days. I asked for a call back and XXXX said they were an inbound call center only and that they could n't call me to follow up, that I would have to call back. He gave me a phone number XXXX and said they were in XXXX. I also said that I did n't think I should make a payment to the account until the issue was fixed, and XXXX said I should at least pay the minimum to avoid late fees. I explained that I found their actions highly suspicious - being transferred from one person to the next without explaination of how this occurred, the fact that I was the one who noticed the duplicate transaction, not the company, that i was being given the run around, and that the error still has n't been resolved. I said that I was going to report them to the proper authorities which is why I am writing this complaint. Needless to say, the issue is still unresolved, and given the circumstances, I am highly concerned that this may have occured to other Barclays customers and am concerned as to whether this constitutes as fraud, provided the company is overstating their income, wo n't fix their own duplicate transaction error within a timely period and does n't care about the consequences of their error. It has been 5 months now since this duplicate transaction was posted to my account and nearly 3 months since I originally contacted them about the error. Considering they did n't catch the error, keep giving me the run around with no follow up and most of all, have n't fixed the error or explained how the error occured, and do n't seem to care that the error occured in the first place is very troubling at the least, and unethical or illegal at the most.
|
| 08/05/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
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Web |
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Recently on a vacation in XXXX XXXX, NV ( Thursday, XX/XX/XXXX - Sunday, XX/XX/XXXX ) we stayed at XXXX XXXX XXXX using trial timeshare points I had purchased in XXXX thruough XXXX XXXX program. After check in on Thursday evening I was told that in order for our accommodations to remain free ', I had to attend an owner update presentation ( They tell us about how things have changed with the company and try to get us to purchase. Its a sales pitch. ) We scheduled the owner update meeting for Friday, XX/XX/XXXX at XXXX. My fianc ( XXXX XXXX ) went with me to the meeting on Friday & at around XXXX our sales representative ( XXXX ) came to get us. After introductions I informed him that we were only doing the presentation because we were told we had to we had no interest in buying. He said he completely understood but he still had to make his sales pitch, so he did so. Halfway through the meeting he brought out his tablet & asked us to insert our Social Security numbers 3 times & sign inside a signature box 3 times. When asked why he told us that it was for a confirmation of our identity to prove that were really who we said we were. I signed & put my SSN in ONLY because he told me that it was just proof of who will our identities and then I asked him why XXXX had to sign because he has nothing to do with the Wyndham company ( I was the only one who purchased the trial timeshare points back in XXXX. ) XXXX said that he needed both of us to sign to confirm both of our identities.
Now I want to provide some clarity.When I say that we entered our SSNs & signed on the tablet there was no wording or verbage at all on the page of the tablet. He never showed us a scrolling contract that we were applying for anything or that we were giving consent to our credits being ran. The boxes were blank on the SSN page it was just the 2 dashes separating the 8 digit SSN. No words on the page just the dashes & a number pad. On the page for the signature it was just a blank box & he told us to sign within the box. Once again, no verbage or fine print whatsoever explaining that they would be running our credit.
So after the meeting we still told him that we werent interested in purchasing anything he said we were all set & that we could leave.
On Monday, XX/XX/XXXX XXXX & I had 2 letters each. One set of letters was from Barclays Bank saying that had applied for a Wyndham Rewards Earner Card & they provided us with our consumer reporting agency information & our credit scores. The 2nd set was from XXXX XXXX Bank to thank us for our recent applications for a vacation club credit account. We never applied for any of these & we knew nothing about it until we received the letters. I called the credit reporting agencies & XXXX & XXXX had 2-4 inquiries between both agencies. I contacted the XXXX & I spoke to Director of Marketing Sales XXXX ( XXXX is his last name I think ) at XXXX XXXX I explained & asked him to provide us with letters to give to XXXX & XXXX to remove the hard inquiries from our credit reports. He said he wont provide us with those papers. He's refusing to help us at all even after we were deceived. After further research I have gone through reviews of XXXX by Wyndham on different platforms & through the XXXX XXXX XXXX complaints of the company & we are not the first people that this has happened to they have done the same thing to many other people.
|
| 09/27/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
Servicemember |
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I have 2 accounts with Barclays Bank, A Juniper MasterCard which has been opened since XXXX or so and a XXXX Mastercard which has been opened since XXXX or so. My credit limit for Barclays was {$6700.00} whereas XXXX credit limit was {$8200.00}. Barclays solicits me to borrow money whether through balance transfer or convenience check with an interest free period of 12-15 months because of my credit. In the case of each of these cards, the moment I take advantage of either of these offers, my credit lines are reduced to the balance plus approximately {$200.00} of available credit, which negatively impacts my credit score because of the credit line utilization. For the XXXX Card, I utilized a balance transfer offer of {$3000.00} on XX/XX/XXXX and {$2300.00} on XX/XX/XXXX ( Exhibit 1 and Exhibit 2 ). My credit line was {$8200.00}. I received a notice dated XX/XX/XXXX stating my credit limit was being reduced to {$5400.00} based on serious delinquency, which was a 30 day rating from XXXX that was on my credit report when Barclays extended me credit and length of time accounts established ( Exhibit 3 ). Key note, my credit line was increased to {$8200.00} due to my outstanding credit history with Barclays. I contacted Barclays notifying them of the error in their decision and they did nothing in XX/XX/XXXX. I received a subsequent credit line reduction letter XX/XX/XXXX ( Exhibit 4 ) that my credit line was reduced to {$4400.00} AFTER i was I was continually solicited for balance transfer offers.
The Barclays Juniper MasterCard shows a pattern of deceptive and predatory lending. In XXXX or XX/XX/XXXX, I filed a complaint with the CFPB regarding Barclays practice of reducing credit lines after a customer borrows money interest free ( Exhibit 5 ). Barclays addressed this complaint by correcting my credit limit. My credit limit was decreased to {$5000.00} then taken back to the the credit limit of {$6500.00} after the complaint.
Barclays Juniper MasterCard has been soliciting me to take advantage of balance transfer offers through XX/XX/XXXX ( Exhibit 6 ). I took advantage of the balance transfer offer XX/XX/XXXX borrowing {$6000.00} interest free against my credit line of {$6700.00} ( increase in credit line due to my outstanding credit history - see Exhibit 5 ). I received a notice dated XX/XX/XXXX indicating my credit line was cut to {$6200.00}, {$200.00} above balance ( Exhibit 7 ).
I contacted Barclays on both accounts XX/XX/XXXX. XXXX, an escalations manager from Barclays with no direct line, contacted me @ XXXX on XX/XX/XXXX to inform me Barclays performs the review systemically and with human eyes and refused to acknowledge the deceptive practices of soliciting consumers to utilize interest free balance transfers then cutting the consumers credit line to balance + {$200.00} as well as the contributions to a negative credit reporting for credit limit utilization.
Barclays rewards me with credit line increases, interest free balance transfers then penalizes me for taking advantage of the offers. I have revolving credit lines totaling approxmately {$150000.00} with a 17 % credit line usage and my credit lines have been cut because of Barclays scoring, model errors and human eyes which are not consistent with other lenders. In fact, Barclays avoided issues in XXXX by correcting the scoring error when i notified the CFPB regarding the rationale.
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| 05/28/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
Older American |
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On XX/XX/XXXX, I applied for an XXXX XXXX XXXX MasterCard credit card from Barclays Bank Delaware under a promotion that said I would receive XXXX bonus points from XXXX XXXX and pay no annual fee for the first year after making the first purchase. The brochure with the offer stated that the offer expired on XX/XX/XXXX. On XX/XX/XXXX, I received an email back from Barclays informing me that my application was received. I received an email on XX/XX/XXXX informing me that my application was approved and I made the first purchase on the card on XX/XX/XXXX. I never received the XXXX bonus miles and I was charged an annual fee of {$99.00} for the first year.
My son XXXX and I called XXXX MasterCard on XX/XX/XXXX and explained that I applied for the credit card under an offer that stated I would receive XXXX bonus miles and no annual fee for the first year if I applied by XX/XX/XXXX. The customer service representative told me that their records showed that I didn't qualify for the offer because I applied for the card on XX/XX/XXXX. The customer representative said that a case would be opened to investigate and I was given a case number ( XXXX ).
On XX/XX/XXXX, my son XXXX sent a letter to XXXX MasterCard explaining that I applied for the card on XX/XX/XXXX under the promotion in effect until XX/XX/XXXX for XXXX miles and no annual fee for the first year. He included a copy of the front page of the brochure with the offer and a copy of the email I received on XX/XX/XXXX stating that my application was being reviewed. A copy of the letter is enclosed.
Several weeks later, I received a letter from Barclays stating that I would not receive the bonus miles and that I was required to pay the annual fee. On early XX/XX/XXXX, my son and I called XXXX MasterCard and asked why I was not going to receive the bonus miles and was required to pay the annual fee for the first year. The customer representative said that the reason was that although I applied for the credit card on XX/XX/XXXX, which was the last day of the promotion, the application was not approved while the promotion was in effect. She said that I would only qualify for the promotion that was in effect when my card was approved - which was XXXX bonus miles and a companion certificate for XXXX XXXX. She said that I would receive the bonus miles and the companion certificate if I paid the {$99.00} annual fee. I stated my objection to this response and stated that I should receive the offer that was in effect when I applied for the card. She said that there was nothing else she could do, so I agreed to pay the annual fee and receive the XXXX bonus miles and the companion certificate.
I paid the {$99.00} annual fee on XX/XX/XXXX. However, I never received the XXXX bonus miles or the companion certificate. After several weeks, I called Barclays and asked when I would receive the bonus miles and certificate. I was told that I would not receive any bonus miles or companion certificate because I did not apply for the card when that offer was in effect. This is the opposite of what I was told on XX/XX/XXXX. When I explained that I applied on XX/XX/XXXX when an offer was in effect, the Barclays ' representative said that they would open another investigation and get back to me. I later received a letter from them stating that they were unable to give me any bonus points or a companion certificate.
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| 07/26/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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Dear Sir or Madam, This complaint is regarding the absolutely AWFUL treatment & service that I received from Barclays. I take my credit very seriously and responsibly. Whether it be for personal or business use. Furthermore, I currently only use about 17 % of my available credit according to FICO. As in some cases, I was treated with no respect from this institution. With two lines of roughly {$8000.00}, I was only using about {$1700.00} of available credit related funds. {$600.00} on a line of {$5000.00} and {$1200.00} on a line of {$3000.00}. I have ALWAYS made payments on time and often carried a XXXX or very minimal balance. My health insurance was automatically billed via the XXXX card, this was the line of {$3000.00}. Again, NEVER an issue at all with payments, usage, or charges. That is until, without telling me, or warning me at all, this despicable institution ( Barclays ) lowered my credit line significantly, with ZERO fair justification, or reasoning. My {$3000.00} line went down to {$1300.00} over night. Causing my automatic payment on my health insurance to be declined. Needless, to say this was a big issue for me. Not to mention embarrassing. Again, I have ALWAYS been a very good client. NEVER doing anything but pay the bills on time and use funds very responsibly. By any possible normal standard of decency, fairness, risk management, and compliance, theyre was ABSOLUTELY NO WAY that I should have had that happen to me. Why would any business upset a good, in my case great, customer. What was the problem? When I tried to contact them, I got treated like a piece of XXXX, and given the runaround completely. None of their metrics make any sense or logic at all. Its like saying that Im guilty before ever actually committing any crime. I have a XXXX XXXX in XXXX from a major XXXX university and find it ludicrous that I have to explain myself in regards to the extremely responsible use of my finances. I have no mortgage, very little debt ( If Any ), in fact much less than a year ago, no student loans, have never missed a payment, and excellent payment history. Lastly, I tried to explain that although it had nothing to do with any financial reason, my wife had been almost killed in a car crash at the start of the year, and rather than be so UNJUST and HARSH with me, they should have had some compassion. I even offered to pay the ENTIRE balance off at the time, in an act of good faith, should they do the right thing, and restore my credit line. I feel that this was a completely ridiculous lack of cooperation on their part, not taking that offer. Particularly, with no payment even due yet! Things happen in life to all of us and even with this, I NEVER missed a payment. I want the entire world to know how lousy of a financial institution they are. In fact, per my recollection, they almost went under during the financial crisis in 2008, THEMSELVES. I would please ask that you follow up very sternly with them and note this case on file. I am completely disgusted with how I was treated for no reason AT ALL. I not only should have my credit limit restored, but increased, including a letter of apology for the inconvenience. This would be by any common sense standard business practice, the right way to treat an excellent client. Not to mention a person. I thank you in advance for your help in investigating and resolving this matter.
Kind Regards
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| 07/04/2015 |
Yes |
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Web |
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Complaint against Barclay MastercardThe transactions listed below are how they show on my statement : On XXXX XXXX : wrote a check {$6200.00} to make payment on bill ( note : i wrote numbers correctly as {$6200.00}, but mistakenly wrote words out to read " XXXX XXXX and XXXX dollars '' ) ( so that amount {$6000.00} should be the correct amount credited as my payment ) XXXX " ARC Payment received '', account credited $ XXXX " encode error '' account debited $ XXXX " misposted payment '' : account credited $ XXXX ARC Pay returned per bank : XXXX Encode Error Returned : account credited $ XXXX Encode Error Returned : account debited $ XXXXXXXXWith this last " encode error returned '' as a debit, effectively the {$6000.00} that the company cashed has just disappeared. It has not been returned to my bank account. It has not been credited to my account. My account looks like it never happened.
As stated above, these transactions are as they appear on my side of the account. XXXX is not when those transactions occurred because from XXXX until this evening XXXX I have had several phone calls to the company, getting a different manager each time, each of whom tells me ( after reading through previous person 's notes and my explanations ) that they will get it taken care of etc. Has not happenedFollowing are dates of my phone calls..each XXXX being initiated by me:XXXX Manager : XXXXXXXX/XXXX ( while I am on vacation ) ( I do n't wait to speak to someone ... I am on vacation ) XXXX XXXX conference call w/my bank on the line ( will get back to me personally ) XXXX PM XXXX XXXX XXXX conference call w/my bank on the line ( will get back to me personally ) XXXX XXXX ( I received this call..only call I had yet received ) XXXX XXXX..got disconnectedXXXX/XXXX I called back : XXXX phone call XXXXXXXXEach person in this chain assured me that their error ( s ) would be corrected and they would get back to me within XXXX hours. No one ever got back to me. ( though I just spoke w/shay this evening. I am expecting a call from her XXXX Monday XXXX/XXXXDuring this time, Interest charges, and payment return fees have been being debited to my account, each time I have said to reverse them.
Again my side of the account showing all transactions taking place on XXXX Interest Charge Adjustment : account debited : + XXXXXXXXpurchase interest charge : account credited : XXXXXXXXreturn payment fee : act. debited XXXXXXXXreturn payment : acct credited XXXXXXXXInterest charge purchases : acct. debited XXXXXXXXInterest Charge Adjustment : acct credited : -XXXXXXXXInterest Charge Adjustment : acct. credited XXXXXXXXInterest Charge Purchases : acct. debited $ XXXXXXXXComplaint : Barclay made error close to 2 months and it has not been resolvedI, the consumer, can not reach a higher level person to take care of the problem. I am sent in XXXX XXXX person in charge of the caseTHE CREDIT CARD COMPANY has manipulated my account with no transactions taking place. The credit card company is creating them with " encode error '' descriptions.
Customer has no ability to get issue resolved immediately or to his or her satisfaction because the " manager '' structure is designed to continue to pass the customer off indefinitely all the while the company does what it wants with the account.
All I can view is my statements, and transaction dates on my statement do not reflect real time.
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| 01/09/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American, Servicemember |
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This letter is in regard to Case ID XXXX, AAdvantage Aviator Red World Elite MasterCard credit card account ending in XXXX and the disputed transaction with XXXX XXXX XXXX, in the amount of {$2100.00}, and with a post date of XX/XX/XXXX. You notified us that you were unable to obtain credit on our behalf because you were not provided with proof of an altered amount or payment by other means. I believe the following account of what happened during that transaction may provide further helpful information in resolving this case to our satisfaction.
My husband and I arrived at the XXXX XXXX XXXX at XXXX XXXX on XX/XX/XXXX. After collecting our luggage, we walked towards the airport exit and were approached by two men claiming to be taxi drivers. They offered to take us to our hotel, the XXXX XXXX XXXX XXXX XXXX XXXX which is XXXX mile away from the airport, for the amount of XXXX XXXX. We verbally agreed to that amount and were then driven XXXX mile, for XXXX minutes, to our hotel. Upon exiting their car, we offered to pay in cash, but the driver said he would NOT accept cash. I gave him my XXXX XXXX credit card, and he ran it through a XXXX device attached to his cell phone. It was raining slightly, so he held it up under his open trunk lid, so I could not see the amount he was entering, claiming that he didnt want to get his phone wet. He then told me the charge didnt go through, and that I needed to give him a second card. I then gave him my XXXX XXXX XXXX XXXX which he ran through his XXXX device, continuing to hold it up high so I could not see his cell phone screen. He said the second card charge went through, and he returned my card. He did not ask me to sign for the charge. Then he and his partner RAN to their car and drove away without giving us a paper or digital receipt.
After we registered at the hotel, approximately XXXX to XXXX minutes later, XXXX XXXX contacted us and said they detected a fraudulent charge on our account in the amount of {$2100.00}. The representative told us that it was obvious that the charge was fraudulent because it was outrageously high for a taxi ride. XXXX XXXX denied the charge. We checked the American Airlines/Barclays card , and there was also a {$2100.00} charge on that account for the taxi ride. We immediately called the dispute line and asked for a denial of the charge. I was told that the charge could not be denied and that it had to be posted before it could be disputed. I then asked for a freeze to be applied to our account so that the fraudulent taxi driver would not receive this outrageous amount. We have since tried to dispute this charge, but the name under which the XXXX men were operating, XXXX XXXX XXXX has no contact information. I believe this is intentional on their part, since in retrospect, they intended to steal several XXXX dollars from us.
The XXXX XXXX defines fraud as the wrongful or criminal deception intended to result in financial or personal gain. I made a verbal agreement with these men to pay XXXXXXXX XXXX for a XXXX minute, XXXX mile taxi ride ( see attached supporting information ) and in good faith gave them my credit card to pay for the service. At no time, did I ever agree to pay XXXX XXXX ( {$2100.00} ) for this service, let alone XXXXXXXX XXXX on two different credit cards. This, to me, is a clear case of fraudulent activity on the part of these two men.
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| 03/01/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Dispute claim : Case no : DBO - XXXX XX/XX/XXXX I paid an individual who works at a company that I hired to represent me until an issue is resolved. He was paid in full XXXX. He quiet on week prior of the date resolution was expected ( XX/XX/XXXX ). Resolution was to take place on XX/XX/XXXX. The company did not complete the work and the research was done incorrectly ( supporting documents submitted to dispute dept. XX/XX/XXXX ). I filed a disput with my credit card company that I used to pay the fees, Barclay Bank of Delaware. The dispute was filed in XX/XX/XXXX. I never received correspondence advising of the results. I contacted the dispute department on XX/XX/XXXX. I was informed the dispute was closed and charges of {$5500.00} had been placed back onto my account. I was informed I had the right to reopen the disputed charge. I informed the representative that I would not have the results until the issue is closed which was scheduled for late XX/XX/XXXX. She informed me shewas resend the letter via email, refused to email or fax the letter to me, she was reminded the issue would not be resolved until end of XX/XX/XXXX, which she acknowledged and stated to resubmit my dispute as soon as the issue was resolved and to fax the dispute. There was no mention of a timeline ro submit my resipute. The issue was resolved XX/XX/XXXX and documents where ready for reproduction until after XX/XX/XXXX. I submitted a fax to disput department on XX/XX/XXXX, that included the issue resolution results, billing from the company that demonstrates large amount of hours charged for research that failed at resolution.
Prior to submitting supporting documents I called many times between XX/XX/XXXX through XX/XX/XXXX, inm effort to have the disput reopened. Every time I called I was informed only a dispute manager can help me and they would have one call me within 24-48 hours. This has been the answer since XX/XX/XXXX. Not till XX/XX/XXXX was I able to speak to a dispute manager. The disput manager informed me that my dispute would not be reopened because I missed the 10 day deadline. In every call I made I was never informed that I only had 10 days from the date of the letter was mailed to reopen my dispute. In every phone call I was given step by step guidance on how to reopen my dispute. The customer service representative knew that the issue would not be resolved until after XX/XX/XXXX. The representatives did not say that was a problem nor did they explain any deadlines I had to comply with. I did everything that was asked of me. I called again in early XX/XX/XXXX, multiple time from XX/XX/XXXX till XX/XX/XXXX. Each time I was informed only a manager in the dispute department could help me but they would have to call me back within 24-48 hours. I never received any calls. The customer service representatives and dispute managers gave me wrong information and are now refusing to reopen the dispute and accept responsibility for their mistakes. I was never told over the phone I has a date I had to reply be, I have not received any correspondence from the bank and I was given wrong information by several different employees. Their guidance was incorrect, according to the last dispute manager I spoke to on XX/XX/XXXX. He also refused to reopen the dispute, that a decision had been made and the next step is to send a letter to the Presendent of the Bank.
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| 06/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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I am writing to address a matter of utmost concern regarding an account held with your financial institution. After a thorough review of the information provided and my personal records, I have discovered that this account is fraudulent as I did not authorize or provide consent for its creation. Furthermore, despite my previous requests, you have failed to provide the required documentation to prove the legitimacy of this account. I urgently request your immediate attention to rectify this fraudulent situation. I would like to emphasize the following key points : 1. Lack of Consent and Authorization : As the account holder, it is essential that I am aware of and provide consent for any accounts opened in my name. However, to my knowledge and records, I have neither authorized nor given consent for the establishment of the account in question. This raises serious concerns regarding the legitimacy and authenticity of the account.
2. Failure to Provide Documentation : As a customer, I have previously requested documentation to substantiate the existence and validity of this account.
These documents include but are not limited the following that has yet to be provided to me : 1. Comprehensive Accounting Records : Under the law, a financial institution is obligated to maintain comprehensive and accurate accounting records for each customer 's account. These records should include a complete transaction history, account statements, and any other relevant documentation that supports the calculation of the alleged debt.
2. Provision of Tax Forms : If the alleged debt is related to any tax liability, I request that you provide all relevant tax forms associated with this debt. These forms should include, but are not limited to, 1099-C or other tax-related documents that report the cancellation or forgiveness of debt.
3. Timely Response : It is essential that your institution responds to this request within a reasonable timeframe, typically within 14 days Failure to comply with this requirement may be deemed a violation of applicable laws and regulations.
Therefore, I request the following actions from your institution : 1. Removal of Negative Item : I kindly request that you immediately remove the negative item associated with this alleged debt from my account and cease any further reporting to credit bureaus until the debt is properly validated and resolved.
2. Provision of Accounting Records : Please provide me with all accounting records related to my account, including a complete transaction history, account statements, and any supporting documentation that verifies the accuracy and validity of the alleged debt.
3. Provision of Tax Forms : If the alleged debt is related to any tax liability, I request that you provide all relevant tax forms associated with this debt, such as 1099-C or other applicable tax documents.
4. Compliance with Laws : I expect your institution to comply with all applicable laws and regulations. Failure to do so may result in legal consequences and the pursuit of remedies available under the law. Please note that any future communication regarding this matter should be in writing and sent to the address provided above. Any negative reporting to credit bureaus should be immediately corrected and withdrawn until the requested information is provided, verified, and any disputes resolved. Account Number : XXXX
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| 11/13/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
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Web |
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Since Barclays has taken over XXXX XXXX Credit Card accounts, I have been having problems with Barclays applying payments to my credit card account ending number XXXX. As a result, I decided to apply for a consolidation loan regarding two cards that I have.
On XX/XX/2022, I applied for a loan with XXXX XXXX XXXX XXXX XXXX ( XXXX ) and immediately had problems with the loan XXXX XXXX XXXX XXXX regarding her poor communication and customer service skills. On XX/XX/2022, the loan was approved for {$14000.00}, with {$7500.00} going to my Barclays account. I was not aware that XXXX would send out the payment without notifying me first. Since I was having prior problems with Barclays receiving my payments.
I called Barclays customer service to see if they received the payment and they stated that it takes 7 to 10 business days to process. The customer service department at Barclays is apparently located XXXX and the workers have poor communication skills. I called on XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX, and the customer service reps never documented the conversations nor submitted the information to the right department. They were also disconnecting from the call or placing me on hold and never coming back to the call.
I called XXXX to see if the payment was received and cashed by Barclays. The customer service rep confirmed that Barclays received the payment, on XX/XX/2022, at XXXX XXXX. I contacted Barclays again to confirm if they received the payment and again, they showed no record of the payment. I contacted XXXX again via email and received a response from XXXX XXXX, Assistant Vice President of Lending, who provided me with a copy of the cashiers check # XXXX, to send to Barclay 's.
After all the back and forth, my account is now late and added fees are accruing. As a result, on XX/XX/2022, I decided to file a complaint with the XXXX XXXX XXXX under complaint # XXXX, and I also emailed my issue to Barclays XXXX XXXX XXXX and XXXX XXXX XXXX hoping that they may help with this problem.
On XX/XX/2022, I emailed the XXXX of XXXX. Afterwards, I was contacted by XXXX XXXX to see if she could help solve the issue by calling Barclays with me on the call. During the call with XXXX XXXX, the Barclays rep would not escalate the call. The result was the rep gave us a fax number to send over a copy of the cancelled cashiers check. XXXX XXXX faxed over a copy of the documents to the Barclays rep. After that call, I received another call from a representative from the Office of the President of Barclays in Delaware, named XXXX, who apologized for my inconvenience and asked what happened. After I explained what happened, XXXX stated that this was a quick fix, and she would be handling the issue. She wanted a copy of the cancelled cashier check sent to her via email and provided me with the following email address : XXXX. However, the email she provided was incorrect. The next day, the email address was returned as non-deliverable. Previously, I received an email from Barclays and noticed the following email address : XXXX, so the us after Barclays was missing from the email. On XX/XX/2022, I resent the email several times.
I am now receiving emails from Barclays stating that my account is delinquent which is messing up my credit. I need help in finding my payment, taking off late charges and interest fees, and closing this account.
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| 08/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
Servicemember |
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I am submitting a new complaint in reference to the closed complaint # XXXX.
Please refer to the above listed complaint number that has been closed for all of the information. I submitted feedback regarding this complaint and explained how this issue is not resolved as far as I'm concerned.
I received a letter from XXXX XXXX ( Quality Manager ) on XX/XX/2019 ( Mr. XXXX CC 'd Consumer Financial Protection Bureau ) stating that the Barclays Consumer Lending Account ending in XXXX was established fraudulently. Barclays submitted a request to the lending agencies to have this loan removed from my account. I have verified that the loan has been removed from my credit report.
The issue I have is Barclays will not give the XXXX Police Sergeant assigned to this case any information even after receiving the court ordered subpoenas that Barclays said they " needed ''. I was told multiple times by Mr. XXXX, a manager by the name of XXXX in the Fraud Investigation Dept and XXXX in the Barclay Security Dept. that in order to receive any information regarding the origination of this loan they would need a subpoena. Subpoenas were sent on XXXX. The Police Sergeant received a copy of the Consumer Loan Application Data ( this is the application information Mr. XXXX speaks about in his letter dated XX/XX/2019, cc 'd to the cfpb ) the exact same Application Data I received without a subpoena. Please note, had Barclays bothered to verify my Mothers Maiden Name, a HUGE RED FLAG would have been raised as the maiden name listed is not even close to her Maiden Name.
I called and spoke with Mr. XXXX multiple times and he stated that Barclays has no other information to give. " Barclays has given all the information required by law ''. He claims Barclay did not keep images of the IP Address. I have spoken to my own personal loan manager at XXXX XXXX Bank and he said that every IP address, every keystroke is recorded and it never goes away. So, why will Barclays not comply with the subpoena?
In my last conversation with Mr. XXXX he stated, " This loan has been removed from your credit report, we took care of you, what else do you want us to do '' I told Mr. XXXX, I want to pursue this identity thief and prosecute to the full extent of the law. Mr. XXXX stated in his XX/XX/XXXX letter that Barclays " customer service is very important to us. Though our servicing expectations were met, I regret that your expectations were not met ''. What Mr. XXXX fails to realize and others at Barclays bank is I'm not their customer, I'm their victim. My expectations have not been met. I have complied and I have done everything I was told to do and I still don't have a lead as to who stole my identity and received a XXXX $ loan in my name. I have a strong intuition that maybe a Barclays employee had their hand in this fraudulent loan and there is possibly a cover up? The person I suspect of stealing my identity is not a stranger to fraudulent card fraud, he has 10 XXXX Counts against him for Financial Card Fraud and is known for enlisting help within institutions to conduct his criminal activities. I have a right to any and all information regarding the origination of this loan. I want to know who stole my identity whether it's the person I suspect or someone else. It is unnerving to know that this was done to me and XXXX $ was given out so easily and freely.
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| 02/09/2017 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I have a collection account on my credit report maintain under my Social Security number from XXXX XXXX XXXX on XX/XX/XXXX I sent them a certified formal letter formally requesting validation of the debt pursuant to the Fair Debt Collection Practices Act. I 'm Seeking competent evidence bearing my signature showing that I ever had some contractual obligation to pay them, validating this debt as mine and letting them know that any negative marks found on my credit reports from their company for a debt that I do n't owe, is a violation of the Fair Debt Collection Practies Act ; therefore stating to them if they could not validate the debt and provide me evidence and validation of my signature they must notify all credit reporting agency 's XXXX, XXXX, XXXX to delete the entry also reminding them that 15 USC 1692 team seq., that this letter / notice has the same effect as a dispute to the validity of the alleged debt and a dispute to validate of my claim I received a letter from XXXX XXXX dated XX/XX/XXXX stating that they are the sole owner of this debt purchase from Barclays Bank stating that after reviewing my letter from XX/XX/XXXX that they were unable to determine the nature of my dispute and they consequently denied that there records were inadequate and the debt is accurate. Upon receipt of my certified letter XXXX XXXX had 30 days beginning XX/XX/XXXX to notify the credit agencies that I had disputed the validity of this item and placed on my credit report ( Disputed by Cosumer ) which they did not place on my credit report required by law FDCPA 807 ( 8 ) and they violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day attached is a copy of my credit report dated XX/XX/XXXX The 31st day.On XX/XX/2016 I sent a second letter to XXXX XXXX stating to them that they have not provided any available evidence bearing my signature showing that the account is being reported accurately, I formally requested again provide me any documentation bearing my signature showing that I have a legal binding obligation to pay them, and this debt is valid and to please provide me the name address telephone number of each person who personally verify this alleged account so I can inquire how they verified without providing any proof bearing my signature to myself as requested in writing. I also reminded XXXX they are liable for willful noncompliance as per FDCPA 807 false and misleading representation [ 15 USC 1962e ] their response again is the information is correct from the letter I received XX/XX/XXXX and still no verification or validation with any evidence bearing my signature on any contract saying that Iam responsible for the alleged debt.On XX/XX/XXXX I sent XXXX A third letter reminding them of their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - responsibility of furnishers of information to consumer reporting agency 's [ 15 U.S.C.1681s-2 ] did not furnish me any proof or validation of my signature on a contract for this alleged debt, there violation of Federal Law by not properly providing credit bureaus with the proper notice within the required time frame and that I had disputed the item in question.I believe that XXXX XXXX is acting in bad faith, and not have complied with the Federal Trade Commission 15 USC 41, et seq. Subchapter V Debt Collector Practices.
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| 05/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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I pay by statement balances in full every month. In XXXX / XX/XX/2023, GAP changed their credit card service provider from XXXX XXXX to Barclays. Subsequently, I was asked to create a new account and link my bank account, setup auto-pay, etc. Even though I added my bank details, etc., due to unclear user interface, I was told that I was not enrolled in auto-pay, resulting in my payment for the XXXX statement being delayed by 1 day. I explained this to the Barclays bank and they credited the late fee back to my account. Since then, i have had auto-pay setup to pay my entire statement balance in full each month.
Even though I am enrolled in auto-pay to pay my balance in full, I am still seeing interest charge for purchases on my statement. When I contacted the credit card company, I was provided the below explanation : "... Upon review of your account, we see that your XX/XX/ statement balance was not paid in full.
When your statement balance is not paid in full by the XXXX XXXX XXXX cut off time on your payment due date shown on your statements, you're assessed interest, which accrues based on the average daily balance. We currently use a method called 'daily balance ( including new purchases ) to calculate interest. Please keep in mind that we calculate interest separately for each Balance Subject to Interest Rate. Examples include purchases at your current annual percentage rate ( APR ), balance transfers, cash advances, and different promotional balances. Your monthly billing statements show each Balance Subject to Interest Rate within the Interest Charge Calculation section. To calculate interest, we first calculate the average daily balance for each Balance Subject to Interest Rate. This is done by taking the balance on the previous day, subtracting any payments or credits, and adding any purchases posted that day. The result is the total balance for the day. This process is repeated for each day in your statement cycle. At the end of the month, all of the daily balances are added together and divided by the number of days in the statement cycle, which equals your average daily balance.
As a reminder, the amount of interest assessed when your billing cycle closes each month will depend on the average daily balance and number of days per billing cycle. The higher the average daily balance and the more days there are in the billing cycle, the higher the interest charge.
... .. " Based on the above method of calculating interest, consumers will be paying interest in perpetuity as long as they keep using their card on a monthly basis. When I enrolled in auto-pay, there is no option available to clear or pay the entire amount. The only options available are to pay " statement balance '', " minimum due '' and " other amount ''. Considering that this is auto-pay, " other amount '' is not practical. I have it set to pay the " statement balance ''. If this bank is going to charge interest based on daily balance, they should have an option to pay whatever is necessary for users to be free of monthly interest charges. Both online and in their monthly statements in mail. The only way to get rid of this interest charge is to not use their card for a month or pay more than the statement balance to bring down the daily balance to XXXX.
I find this unethical and unfair for consumers and so bringing this to your attention.
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| 07/25/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American, Servicemember |
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On XX/XX/2021, two charges were posted to our XXXX XXXX XXXX XXXX XXXX by XXXX XXXX for the XX/XX/XXXX purchase of a XXXX XXXX XXXX. One charge was for {$49.00} and the second for {$59.00}. The {$49.00} charge was made in error and, when notified, XXXX reversed that charge and the credit was posted to our account on XX/XX/XXXX.
The product never arrived ( and still hasnt ). We were frequently unable to contact XXXX or, if we could, the replies were evasive. As a result, we disputed the {$59.00} charge in XXXX using the online procedure at Barclays credit card website ( https : //www.barclaycardus.com ). Barclays acknowledged receipt of your {$59.00} dispute by letter dated XX/XX/XXXX. It was assigned Case Number XXXX and a provisional credit of {$59.00} posted to our account on XX/XX/XXXX.
On XX/XX/XXXX, we received a letter from Barclays dated XX/XX/XXXX the deadline imposed by 15 U.S.C. 1666 ( a ) regarding Case Number XXXX for a billing dispute for the {$49.00} charge by XXXX on XX/XX/XXXX. It said {$49.00} was being charged back to our account [ b ] ecause you received two credits for one disputed transaction. Our XXXX credit card statement shows a {$49.00} charge labeled " Rebill - XXXX XXXX '' posted to our account on XX/XX/XXXX.
Barclays made this charge without any factual or legal basis. Its statement that we received two credits for one disputed transaction is false.
As Barclays acknowledged in its XX/XX/XXXX letter, the only disputed transaction was the {$59.00} charge, for which Barclays issued one credit of {$59.00}. The merchant reversing an erroneous {$49.00} charge is unrelated to the dispute over the {$59.00} charge. Barclays NEVER issued a credit for {$49.00}. Therefore, as Barclays own records would reflect, it had no reason to rebill us for a transaction the merchant admitted was erroneous.
After receiving this letter, I spent more than 40 minutes on the telephone with Barclays dispute resolution explaining this situation. I was told nothing could be done unless I filed a new dispute because there wasn't a case number for the {$49.00} reversal and XXXX was closed. This is despite the fact the chargeback came under the XXXX case number. Moreover, the Barclays website does not allow us to file a dispute over this online. ( I faxed a dispute letter and supporting evidence to Barclays late on XX/XX/XXXX. ) To further make this a Kafkaesque situation, I asked the dispute resolution representative to speak to a supervisor. I was informed I couldn't because " COVID-19 protocols '' prohibited the representative from handing the phone to someone else. When I asked that a supervisor call me, I was told that would take 7-10 days. Does Barclays really use handheld phones that leave their representatives unable to transfer calls to another phone or extension? Does it really take a Barclays dispute resolution supervisor a minimum of a week to find a phone?
Barclays unfounded, unilateral action essentially reduces the {$59.00} credit to which we are entitled to {$10.00}. Its forcing us to pay XXXX a total of {$99.00} for a nonexistent {$59.00} product. Barclays is now in violation of 15 U.S.C. 1666. Its actions and refusal to deal with us in good faith should be sanctioned. Moreover, Barclays investigation and dispute resolution procedures should be examined as they appear nonfunctional and incompetent.
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| 12/21/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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On Friday, XX/XX/XXXX, an electronic payment of {$2600.00} was made to Barclaycard US through the Bill Pay service at my bank, XXXX Bank. I mistakenly made this payment, that was intended for a different institution, as the credit card associated with the Barclaycard US account was closed XXXX years prior, in XXXX.
On XX/XX/XXXX, I noticed my error, and called my bank to see if the payment could be stopped. As the payment was already in progress, I was unable to stop it from going out, and was informed I could dispute the payment the next business day. I also tried calling Barclaycard XXXX to notate that the funds should be returned when received, but since the account was closed XXXX years earlier, Barclaycard US was unable to assist.
The next business day, Monday, XX/XX/XXXX, I opened a dispute with my bank XXXX Bank, informing them again that I had made the payment to a closed account in error. XXXX Bank contacted Barclaycard US to have the funds returned and were informed that Barclaycard US would not discuss the matter with XXXX Bank as they would not release customer information to third parties.
When I received written notice from XXXX Bank by mail on XX/XX/XXXX that Barclaycard US was unwilling to discuss the funds sent to them in error, I contacted Barclayscard US directly. I spoke with XXXX individuals, each telling me that they are unable to see any record of the funds posted to my account ( as I expected since the account was closed XXXX years earlier ), and that they were unable to determine what became of the money they received on XX/XX/XXXX. They were also unwilling to provide me a contact department or phone number where I could confirm the disposition of the missing money. I received different responses as to what they believed would happen with the money, saying at XXXX point that if funds were received for a closed loan, the funds would be returned in the same manner received ( funds were never received ). I was also informed that since the account was sold to a different institution after being closed, the money would have gone to them, however, no one would confirm that to be the case.
On Tuesday, XX/XX/XXXX, I contacted XXXX Bank, and their representative and I contacted Barclaycard together. Barclaycard continued to state that they saw no record of payment being posted to my closed account ( as expected since account was closed ). They, again, refused to provide contact information for a department that could confirm the money was received, and what happened to it, saying that funds would have been returned in the manner received, or that possibly funds were sent to the institution where they believed the credit account had been sold ( after I closed the account ). XXXX Bank who spent hours on the phone with me and Barclaycard US was very helpful, and repeatedly offered to send Barclaycard US the Transmittal report evidencing when funds had been received by Barclaycard US.
Final result was that Barclaycard US, who received my {$2600.00} on XX/XX/XXXX ( sent to them in error ), refused or was unwilling to confirm receipt of the money and what they did with it, and further unwilling to return my money to me since the payment was in error to a closed account.
FYI, account number provided with complaint is last XXXX digits. The account is so old that I no longer have the full number.
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| 03/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Recently my husband and I attempted to refinance our current mortgage to take advantage of more attractive loan terms. During the mortgage application process, I was shocked to learn that I have a balance of {$50.00} reported as bad debt from Barclaycard, a credit card account that we have kept open for emergencies but used very infrequently and not in many months. As a result of the actions of Barclaycard described in detail below, my FICO credit score has been significantly degraded to [ 630? ] and am no longer eligible for favorable lending terms, in addition to damaging my credit for years to come, causing me and my family significant financial harm.
Barclaycard US has engaged in unfair and deceptive activity regarding their paperless online enrollment and statement delivery, by : ( 1 ) enrolling me in paperless statements without my consent, ( 2 ) failing to deliver a required monthly billing statement or email notification to me, and ( 3 ) failing to alert me that I owed a small balance and allowing it to be written off as bad debt without any notice whatsoever.
When I discovered the adverse credit report on XX/XX/XXXX, I immediately called Barclaycard. My call was escalated up to Tier 3 manager. During this phone call I was told that my account had been a paperless account so no statement reflecting this small balance was ever sent, nor could I access it online. I was also told that the bank had reported this derogatory information to all major credit reporting agencies without any notice to me of the amount owed. Both of these facts were shocking and a complete surprise to me.
It is important to note : 1. I received no statement or email. While delinquent, I received NO account statement by mail or email. Barclaycard claims thats because I was paperless. They also claim they are unable to verify that I did or did not access my online account to retrieve monthly statements ( which I did not ).
2. I did not consent to paperless statements. I prefer to receive all of my bills by mail. Any change to suppress statements was done without my consent and my knowledge. I also did not share my online account password so it is not possible that this election could have been made by anyone other than the bank.
3. No collections or notice. While delinquent I received no collections letters, nor any phone calls advising me of the existence of this small balance owed. Had I known about it, I would have promptly paid it.
I am a mother of 2 and high school teacher on a limited budget, try to instill in my students and my daughters a sense of pride with handling credit appropriately, as my account record will reflect ( up until now, that is ). My FICO score hit as a result of these unfair practices by the bank may not see
m significant to the banking execs at Barclaycard, but I can not imagine the financial harm that it will cause me and my family.
As I have paid the debt when I became aware of it last week, I request that the bank immediately correct my credit score reporting through a customer service account reage, or remove my account from credit reporting altogether. Additionally, there should be an investigation into the manner in which Barclaycard enrolls its customers into paperless statements without consent, and then does nothing to follow-up to verify if statements have actually been received and opened.
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| 06/15/2015 |
Yes |
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Web |
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In brief, I unknowingly missed the promotional end date for the promotion I was under and as a result, my {$2500.00} account received a {$1300.00} deferred interest charge.
In XX/XX/XXXX, I was accepted into a school program that required me to purchase an XXXX computer. We did not have the funds for a cash purchase, so we applied for a barclay credit card. The Barclay card that we were offered included a XXXX deferred interest promotion on the purchase. After buying the computer, I set up the paperless statements and Autopay, so that I would n't miss any payments with my busy school schedule.
We planned to pay off any remaining balance on the card before the promotional period, however, I have not received any notification from Barclay regarding the ending promotional period. I thought the end date should be coming soon ( around XX/XX/XXXX ) so I logged onto the account on XXXX XXXX to go ahead and take care of everything and pay off the credit card. To my surprise, I found that I was XXXX weeks late and the promotional period had ended on XXXX XXXX and I had been charged {$1300.00} in interest on a {$2500.00} principle balance. This interest charge was totally unexpected. I neither expected to see that the promotional period had ended, nor had I expected such an astronomical interest charge. I called and talked to multiple managers and team managers at Barclay, and I learned what had happened.
I received paperless statements, and signed up for autopay, both of which I felt were the most responsible way to handle this new credit card, but this worked against me. The email notifications that come with the paperless statements do not give any indication of the approaching end date of the promotional period and no communication was received by myself, from barclay, to inform me that the promotional period would end or that I would have a {$1300.00} interest charge to my account. I also found out that I would need to login to the account to view the statement and see this deferred interest information, however, that was not made apparent to me in any way and I was under the impression that the autopay and email notifications had negated the need for frequent account logins and statement checks. This lack of notification has caused me to be a mere XXXX weeks late and to incur a substantial interest fee. While trying to resolve this on the phone with Barclay, I offered to pay the principle balance immediately if we could waive this interest fee, but I have not been able to achieve this. They were only willing to waive {$500.00} of the interest, which is helpful, but still leaves me with an {$820.00} interest charge. I feel like, because of the lack of communication, this interest charge snuck in on me, whilst i was attempting to do the responsible thing.
I also feel like I was deceived with the meaning of " deferred interest. '' This was XXXX of my first credit cards, and feel taken advantage of, because I had no idea that this is what deferred interest results in. I thought it was an analogy to 0 % interest, and different companies use different terminology.
I am a student in XXXX school, and my only sources of income are student loans, as my program does not allow employment. If I can not get this resolved my only option is to pay this interest fee with another loan, maximizing my loss in this situation.
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| 12/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
Servicemember |
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On XX/XX/2022, I applied online for a balance transfer through XXXX credit card for which I have an account for the amount of {$4300.00}. This amount was from my Barclays credit card. I was informed by XXXX that it would take between XXXX business days for the balance transfer to complete. On XX/XX/2022, I noticed that my Barclays account had a balance of {$4500.00} and my XXXX account was at {$4300.00}. I spoke to a Relationship Manager from Barclays by the name of XXXX at XXXX. She was very rude, not helpful and told me to call back the next day. On XX/XX/2022, I went to a XXXX bank in person and was assisted by a manager on the phone since they dont handle credit cards and was informed that my balance transfer was completed by them to Barclays XXXX Unfortunately, it was sent to them under the wrong account number. She advised me to contact Barclays and have them either credit my account for the amount or do a payment movement. On XX/XX/2022, I spoke with Barclays customer representative XXXX, and Barclays Customer Service Manager XXXX to cancel the balance transfer. He stated he would open an investigation into the matter and also contact XXXX credit card with my permission. He provided a Case ID : XXXX for my records. On that same day, I spoke with XXXX supervisor XXXX, XXXX account specialist XXXX, XXXX account manager XXXX who I confirmed that I had contacted Barclays to give him ( XXXX ) authorization to my account. I was informed that I would be contacted within XXXX hours with an update. On XX/XX/2022, I contacted Barclays and was given the number to their Investigations Department. I called back on XX/XX/2022, and was transferred between XXXX different Customer Care Specialist ( XXXX, XXXX and XXXX ) without any help and was transferred to the Collections Department who didnt understand why I was transferred to them. Barclays Customer Service Manager told me the investigation is still open. Barclays sent me a letter dated XX/XX/2022, requesting additional information to help with their investigation. It was mailed through XXXX, though they claimed they never received it. My tracking number showed it was delivered to them on XX/XX/2022. I received another letter from them dated XXXX, requesting the same information. It was faxed to them on XXXX/XXXX/XXXX. On XX/XX/2022, I called Barclays and spoke with XXXX who stated he might have been the XXXX I spoke with before. At first he stated he had no recollection of our conversation about my account, then placed me on hold. When he returned, he stated that they received my fax that morning at XXXX AM XXXX time and my account is currently being processed and I should call back in XXXX days. On XX/XX/2022, at XXXX AM, I called Barclays and spoke with Customer Care Representative XXXX. Our conversation was difficult due to a dog barking in the background. XXXX stated it was her dog and she was working from home. I informed her that I was calling to check the status of my account and the balance was still not right. She stated that there were some notes but did not disclose what they were. When I requested to speak with a Relationship Manager, she stated she would transfer me to XXXX in the office since she was working from home. My call went immediately back to the voice prompt menu where I disconnected the call after waiting several minutes for assistance.
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| 07/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I have been fighting a charge for months and now Barclay is saying I am out of the timeline to dispute a transaction.
Below is the email, fax, and certified letter I sent to Barclay and nothing has been done on the fraudulent charge on my card.
XX/XX/XXXX Dear Barclay Dispute Department, My name is XXXX XXXX, and I am writing to you in regards of case number XXXX. This has been ongoing issue since XX/XX/XXXX. I have spoken to numerous representatives and dispute investigators about my case. I have been getting the run around and different answers every time I speak to someone. The charge on my card for {$1700.00} from XXXX XXXX XXXX post date XX/XX/XXXX is a fraudulent charge on my account. I have provided proof to your department multiple times showing that I was not in the country at the time the purchase was made. I never even use my card a XXXX XXXX XXXX XXXX it was just used as a hold for the account. I have provided you multiple times proof of paying cash for my car rental. In the latest letter your department sent me. It claims I did not open up a claim within the two billing cycles. Below I will provide you a timeline of my experience with your departments.
XX/XX/XXXX : Spoke to XXXX about the charge on my account and explained my situation. She said she will add it to my records, and I will receive a phone call from dispute Department. ( PHONE CALL NEVER RECEIVED ) XX/XX/XXXX at XXXX XXXX : Spoke to XXXX. I explained to her I spoke to XXXX on XX/XX/XXXX and explained the situation again. She then provided me with my first case number which was XXXX. Then explained to me that an investigator will be in touch with me. ( Again no one called me back ) XX/XX/XXXX at XXXX XXXX : Spoke to XXXX. For the third I told my story to a representative and gave them my previous case number. I was told it was still being worked on and that someone will be in contact with me. ( Third time no call back ) XXXX XXXX : Spoke to XXXX. For the fourth explained my situation. After speaking to XXXX, he gave me a second case number : XXXX. He then told me an investigator will look into my case and someone will be in contact with me. ( Fourth time no one got back to me ) XXXX XXXX at XXXX XXXX : Spoke to XXXX. For the fifth time explained my situation. She looked into my case and that someone will contact. ( First time I was contacted back ) XXXX XXXX : XXXX reached out to me about my case. She stated that the case was opened to late and that there was nothing they can do. I then explained that this has been an ongoing issue since XX/XX/XXXX. She then said that I if I want to reopen case, I need to send a letter to the dispute department again.
I have been a member for over 6 years, and I have never had a problem like this. I have followed all protocols that your company requires, and I am still not being helped. I am asking for someone to please investigate my case and find out what happened. My card had an authorized charge and I do not understand why this situation was not taking more seriously. I have shown proof countless times to your department that it would be impossible for me to have make this purchase out of country. I need to know what the following steps that I need to take to help clear this transaction off my statements. Please call me at XXXX. Thank You in advance for your help!
Sincerely, XXXX XXXX
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| 08/10/2021 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Like many millions of others during covid I have gotten behind on my payments, not by choice but due to being out of work ; I have tried to get in touch with Barclays regarding my situation ; in the beginning I called them multiple times ; emailed and pleaded that they allow me to pay a much smaller mininal monthly amount and to please stop charging me late fees upon late fees, along with double or triple monthly charges for multiple interest charges. One of their phone agents was even surprised that upon trying to get me to negotiate a way of not getting behing with my payments Barclays declined to help me. They eventually gave me 3 months off but apon me trying to reach them to negotiate another deal with Barclays ; they refused to stop posting more late fee charges to my account plus 2-3 separate finance charges per month, and they were certainly not even willing to discuss lowering my interest rate or forgiving my debt to them altogether. Over the years I have been more than loyal to barclays and have never ever before covid missed payments, in fact when I was working I paid them back monthly of even bimontly so much more than the minimum, large monthly payments did not get me in Barclays good graces, loyalty and excellent credit for tons of years did not make a dent in their heart or equate sympathy for me as one of their customers. Not only does barclay take our money and invest and make obscene monatary gain from loyal customers but when we have a worlwide pandemic Barclays is quick to turn their back on me and not even want to accept phone calls and respond to my email pleas for their help with generic pathethic answers. Barclays and XXXX airlines would probably to chose to stomp over their customers as soon as they make a payment if the media coverage was not a threat to them. They have now as of XX/XX/2021 sent me to collections, I only found this out today, as Barclays did not inform me they have sent me to collections, they kept silent and creeped around to intent to ruin my life by ruining my credit, these creditors are allowed to ruin peoples life only because the power to do so and they choose to be evil and unkind even through tragedy. Shame on Barclays they deserve to be exposed for their underhanded horrible treatment of loyal customers. Covid and Karma are not a drill they are real and the effects are rippling through the entire world, while kind human beings struggle to find ways to help others in need Barclays has their heart set on destroying lives like a virus. I have never stopped paying Barclays I have paid any amount I can on a monthly basis, but I assume that means nothing to them. Please help me, women in need of monetary assistance is a result of the way society has allowed companies such as Barclays to be one of the sources of horrible life changing never ending negative effects. The poor stay poor and the uber wealthy and greedy get to deal with their own day to day realization that they are also in debt to someone or something. Please help me get rid of this debt I have never intended not to pay them back once I get back on my feet financially and healthwise but I wont hold my breath as Barclays never did reward me when they used to call me one of their best customers for years, they quickly turned on me at the first sign of trouble, they did the bare minimun just save face.
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| 02/01/2017 |
Yes |
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Web |
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In the past, Barclaycard Arrival Plus provides a sign up bonus of XXXX miles. This XXXX, Barclaycard advertised a " limited-time offer '' of XXXX miles sign up bonus, which attracted me and I applied for it on XX/XX/2016, with the offer of " XXXX bonus miles after spending {$3000.00} on purchases in the first 90 days, redeemable for a {$500.00} travel statement credit '' ( I 'm copying the wording from the current application page. they should be the same ).
I completed the required {$3000.00} spending on XX/XX/XXXX and I see the bonus miles credited on XX/XX/XXXX. However on XX/XX/XXXX I noticed my card account closed and all miles removed, including the bonus miles and miles earned from spending. I called Barclaycard and they asked me to refer to the mail being sent to me.
The reason given in the mail is " Too Many Inquiries In The Past 6 Months '' based on XXXX credit report. I then checked my XXXX credit report and I see only XXXX hard inquiry on it within the past 6 months, which is from the application of the Barclaycard credit card itself, and there 's even no new inquiry after the application and approval.
I called again and argued about the closure and the reason. The agent did n't give much useful information and all they said is like " it 's because of too many inquiries on credit reports '' ( the same as the letter ) " it may also include new accounts on credit report '' ( not on the letter ) " you 're welcome to re-apply for it after some time but we do n't generally reopen accounts '' ( meaning that I ca n't get the previously-earned miles back ) " I can do nothing to the miles ''.
I did n't have much time complaining about this at that time and decided to do it now. I checked the application landing page and it 's still advertising the XXXX offer and it 's still saying it 's for " limited-time '', but it has been there for 5 months. It looks as if Barclaycard is advertising some higher offer and push people to apply for it as soon as possible by stating it 's for " limited-time ''. After a user applied for it and earned the bonus miles by completing the spending requirements, they try to find some reason to close the account and remove all the miles, together with miles earned from organic spending, even with a reason that is not true according to the fact. When they 're called, the agents try to find more reasons for the closure and refuse to pay out the promised bonus by all means.
I also applied for a Upromise credit card, issued by Barclaycard too, on the same day, with a statement credit bonus offer. I do n't remember the exact terms but the statement credit was never applied. I found an offer email in my mailbox, saying " {$100.00} Cash Back Bonus after first eligible use of the card within 90 days '' and I expect that it should be similar.
I already put several purchases on that card but together with the Arrival Plus card mentioned above, this card is also closed, with the same ( false ) reason as the Arrival Plus one. The time of closure is just close the 90th day after application, while the statement credit is never posted as of now, persuming the system does n't issue bonus to closed account. Obviously, a posted statement credit is more difficult to " remove '' than some reward points. This even confirms my assumption of " closing accounts in order to avoid paying bonus. ''
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| 10/05/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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Last week after logging into my Barclays online account to make a payment, I was shocked to find that all of my credit card accounts had been closed. I made a payment to my Barclay XXXX XXXX account on Thursday, XXXX XXXX and my account was closed later that same day without my knowledge or consent.
On XXXX, XXXX XXXX I tried to pay off the balance of my Barclay XXXX XXXX card which is when I noticed that all my cards/accounts had been closed. I called Barclay customer service immediately and asked for an explanation for the surprise closure, and after over 30 minutes on the phone, was told there was no explanation and that I would have to wait for a letter from the bank. I was told that I needed to wait for a letter of explanation for further information.
I have since received all three letters from Barclays which said the same thing. The letters state that my accounts were closed due to " Your history of account usage '', which is incredibly vague. I am not even sure what that means, nor have I ever had an account closed for any reason.
I have been a good customer for Barclays, using my cards often domestically and internationally, and have maintained good standing with all of my credit cards with the bank. Just in the past two months, I traveled abroad to XXXX, XXXX and XXXX and used my Barclay XXXX card there many times. I had opened a case ( # XXXX ) on XXXX XXXX, XXXX just two weeks before my account was closed - asking Barlcay to allow me to use points to pay for a series of travel expenses that I incurred on my recent trip with points that I earned. That case was approved XXXX XXXX, XXXX, just 3 days before my account was closed. If Barclay was so unhappy with my account, why did the bank approve my request? Why did they allow me to make a payment on one of my cards and then shut down all of my accounts that same day?
I have been a Barclay customer for years and am still shocked at this account closure. XXXX is being deceptive with their business practices in promoting a credit card with rewards and then shutting down my account with no prior notice and not allowing me to redeem my rewards. I have contacted the bank several times since that time regarding the closure and have not received any explanation from numerous people including managers except for " history of usage ''. In my phone conversation with a manager ( XXXX, employee # XXXX ) at Barclays on XXXX/XXXX/XXXX, I was told that the company will not refund my annual fee, and that I would only receive half of the points refunded that I am entitled too, and also that the bank will not issue me the 5 % redemption bonus.
Upon the date of my account closure, on XXXX/XXXX/XXXX, I had earned XXXX XXXX points worth XXXX cent a piece as statement credits, worth {$2600.00} plus the 5 % redemption bonus of XXXX points or {$130.00} for a total of {$2700.00}. Consumers have the right to have annual fees refunded within 60 days of issuance. My annual fee of {$89.00} was charged on XXXX/XXXX/XXXX and the account was closed on XXXX/XXXX/XXXX. That annual fee should be refunded as well, as my account was still active within the 60 day window when my account was closed.
The fair and correct total amount Barclays owes me ( via check ) is {$2600.00} ( points earned ) + {$130.00} ( 5 % redemption bonus ) + {$89.00} ( annual fee ) = {$2800.00}.
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| 07/05/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
Servicemember |
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In XXXX of XXXX, I received a letter from Barclay Credit card on my account ending XXXX that due to inactivity on my card which had a {$4000.00} limit that I have had for about 7 years that if I did not use the credit card they were going to close it in 30 days from the date of the letter. So I called in XXXX and spoke with a representative and she told me all I needed to do was use the card to keep it from being closed and the problem is resolved. I said fine. But then I asked about another card that I had with the card ending with XXXX which had a {$10000.00} limit. I ask the representative since I did not get a letter for this card I am required to do the same for the XXXX card. She advised me No and that the card was not in jeopardy of closing due to inactivity. She then verified my address and then we ended the call with nothing else to discuss. I used the {$4000.00} dollar card and the account is still open, however, on XX/XX/XXXX I received an email from XXXX XXXX that my card ending XXXX was closed. This means due to the incorrect information I was told when I spoke to the representative and because she did not update the address on the card ending XXXX I was never notified of the account possibly closing due to inactivity. I have had this credit card for 7 years and 10 months never late or never any issues and now my history and card is closed due to errors of the representatives. In addition, because the representative updated the address on the XXXX account and not the XXXX account the letter that went out on XXXX telling me if I did not use the card it would be closed went to an old address that I have not lived at for since XX/XX/XXXX and mail was not forwarded. When I called on XX/XX/XXXX to address the issue of my account being closed I was told several lies. 1. that the card XXXX ( now closed ) had merged with card XXXX still open. However, this was incorrect because the limit on XXXX is $ XXXX and the limit on XXXX was {$10000.00} and the limit of XXXX did not reflect a limit of {$14000.00}. 2. Due to the card has not been used in the last 3 months they closed it. This too was a lie I haven't used to the card for almost 1 year. The Closing of this card has now caused a trickle of effects. I have now not only lost my history from my XXXX Barclay card but losing the limit that was available now lowers my credit available usage. The instant closing of this account has alerted other creditors and I just received an email that my XXXX XXXX which once had at {$15000.00} limit has just been reduced down to {$7000.00} and my current balance is now {$6400.00}. I have never been late on this card or had any issues. By taking my limit down to {$7000.00} and my balance is at {$6400.00} will create a credit usage of $ 91 % from 42 %. Which in turn is going to cause my credit score to drop drastically. XXXX had no other reason for reducing my limit. I have been in good standing with ALL of my credit cards no overdue or late payments and I always pay more than the minimum amount due. I have put in a request for Barclay to reopen my card and XXXX card was reduced and now I have forced to reprove myself to XXXX by paying an amount of {$1600.00} before XX/XX/XXXX in order to get my limit back. This putting consumers in a worse position when they have given them no reason too has to stop.
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| 04/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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I have been reported deceased by my own credit card company Barclay. My husband and I wanted to take advantage of the low interest rates and refinance, saving thousands of dollars and two years of mortgage payments. Sadly, we are not able to, because I have NO CREDIT SCORES with XXXX and XXXX as I am deceased according to their records.
Through several phone calls and conversations, this is what I have been able to put together. Sometime in XXXX XXXX, a phone call was made to Barclay reporting me deceased. Barclay will not release the name of the individual or whom they are associated with ( a subpoena is needed ). It was shared to me, after extensive questioning, that policy was not followed, and more than one identifier was needed to be confirmed before they report an individual deceased.
XXXX XXXX I received a written document, reporting that Barclay was sad to hear of my passing and asked for the information about an executer to my estate. I quickly phoned the company and told them I was very much alive and thought that was the end of it.
In XXXX, my husband and I saw mortgage rates trending downwards and started the refinance process with a very reoputable bank and an individual that has done thousands of loans. While visiting with her, she was able to put together, after closer examionantion of my Manager XXXX from Barclay told me on XX/XX/XXXX after a 1.5 hour wait on hold, that I was reported dead in XXXX and on XX/XX/XXXX, they reversed the report, reported it all credit reporting agencies.
On XX/XX/XXXX, I spoke with XXXX XXXX operator ID XXXX XXXX XXXX and she reported that everything was fine with my account. I exclaimed to her it was not and that one card XXXX was fine, which was the one she had pulled up, but I also have another account with Barclay XXXX XXXX and that is the account that has be reported deceased and a {$0.00} account balance according to XXXX.which is not accurate. After she did some further looking, she did see where it was reported as me being deceased and told me it happens all the time. ( I have XXXX sisters in the banking industry and they never take a call at face valuethey put the account on hold and NEVER do they report an individual deceased to credit agencies until they have a death certificate in hand. ). She was also able to see where I self reported myself alive. XXXX was also able to see that even though Barclay remediated my file, they failed to report any more credit information from that card since XXXX.
I have filed disputes with both XXXX and XXXX. XXXX has a documents stating I am not deceased, but I still remain without a credit score!
I am saddened on how much time and effort I have had to put into this situation and even more sad that we were not able to capitalize on the lower rates. This was something I had no control over and reported things immediately once I received the notice and that there was false information. I find it upsetting that I have to prove to an institution that should be protecting ME, that I am not deceased and it is my creditors that are causing me harm even though I have faithfully continued to pay on time, my monthly payments. Of note, charges have been made to my accounts since my supposed death.
I reached out to my state 's attorney general and this is the place I was advised to report to.
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| 02/15/2017 |
Yes |
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Web |
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My name is XXXX XXXX ; I want to file a complaint on my credit card account with Barclays Bank Delaware. They have denied my dispute with a merchant, XXXX XXXX Calls back in XXXX/XXXX/16. It was an emergency phone call that I to make to call my spouse. The location was at a XXXX XXXX XXXX in XXXX, PA. This public pay phone clearly stated {$2.00} for the first 2 minute. But it never showed on there any types of charges might be associated with the call. I stood there and read all the little fine prints over 5 minutes before I made the call. Even when I made the call, I clearly listened to all the automated direction. There was no disclaimer of any types of charges might be add on for it. I carefully listened to all the messages before i typed in my credit card # 's. Finally, I made a XXXX minutes call using my watch to time it. Then about XXXX minutes later, I tried again but never got through. When I got home, I was billed and charged 3 times on my billing statement : {$21.00}, {$34.00}, {$21.00} totalling about {$77.00}. I was upset and called the XXXX XXXX and they did n't resolve nor explained anything to me. Simply they did n't care at all. So I called my Barclays Bank and disputed, we got on the phone and did a XXXX way calling to XXXX XXXX. This company gave me a run around and finally offered me XXXX partial refund of {$21.00}. But I did n't agree to it since no other phone call went through. I made XXXX call XXXX minutes and got charged this much. The customer service agent for XXXX was obviously a foreigner. He did n't even speak XXXX well and did n't understand a lot of common sense. I asked him if he was in XXXX XXXX or XXXX because I could easily spot a foreign speaking person doing customer service for U.S companies. But he kept denying where he was. We all have talked to foreign customer service rep many times before and its inevitable. I was on the phone over 45 minutes explaining to them, who in the right mind would pay such a high price for a call like this. Any one could get a prepaid cell phone less than {$20.00}, plus unlimited minutes at XXXX, XXXX, XXXX for less than {$50.00} a month. This was an emergency and I had to made that call only. After XXXX long months, my bank finally said they closed the dispute and had sent me letter. But I 've never received anything in the mail. Today, I called them and found out that I had not credited/refunded the charges because I did n't have any prove. I advised them that I did n't not have a phone to take any pictures of the disclaimer at that phone booth. I wish I could back there XXXX hours away just to prove my point. Basically, they told me I had to eat it and take a lost. Why would anyone pay for something that they did n't receive service. How was this fair to me as a consumer and knowing your bank always fight for you. Under the FTC regulations, consumers are protected for misleading, unfair, and fraudulent business practices. This is totally unfair, illegal, and unethical. I will take all necessary actions to pursue legal means for my hard-earned money.
Please look into this and open and investigation as I am filing more complaint to the FTC and the XXXX Attorney office.
Thank you for your time and I look forward to hearing from you. I will check my complaint status periodically after today.
Sincerely, XXXX XXXX
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| 06/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
Older American |
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I've had a XXXX XXXX Mastercard from XXXX XXXX for many years. I have not taken money from the rewards program for over 5 years when I took out {$990.00} dollars and had over a thousand dollars left in the account. I've been trying for over a year to redeem the accumulated money, but have been unable to access even the amount. We see on the website that we have about {$8.00} but every credit card says that we are credited between {$40.00} and {$90.00} dollars, as I pay almost everything I can in order to accumulate rewards. One issue is that there's been lost cards, and fraudulent charges on our cards, and we've had new numbers issued to us. The method that I used to withdraw money in XXXX was all done on the phone. Recently, I have opened a formal complaint with XXXX XXXX XXXX XXXX because for the last year the calls were directed to an offshore call center, people barely spoke English and never actually helped me. My husband recently spoke to customer service in the US but although they promised to help us, and seemed for the first time to know how to do so, they have not. After more promises, and nothing done, not even noting previous conversations, finally I am contacting you in an attempt end the run around. My husband was promised resolution in first a week, then 24 hours and after no information today, the woman on the phone said 30 days, then changing it to 30 business days and everyone uses the pandemic as an excuse. The most recent reason this can not be resolved is that XXXX XXXX has been closed and hasn't reopened. The number we have been calling is XXXX XXXX XXXX XXXX for the US representatives, that are fluent in English. We've spoken to XXXX on XX/XX/XXXX. She said that resolution would take a week. The next person we spoke to after a week was XXXX, who said that it would be fixed in 24 hours. That was Monday XX/XX/XXXX. Yesterday we spoke to XXXX, who said that there was no information about the conversation with XXXX, other than she spoke with us. We were promised a return call today that never came, so we called again. Today we spoke to XXXX, she was unable to find any case number, from the case supposedly opened by XXXX. She said XXXX XXXX was called yesterday but there's no information, because XXXX XXXX hasn't responded to them, and to wait another XXXX business days. So apparently XXXX XXXX really isn't closed, it's that either people at the customer service department were not telling the truth, too unhelpful or lazy, or possibly not proficient with English to actually help. But my oldest son has gone to grad school, my youngest has gotten an XXXX XXXX and taken classes towards a BA and we're not able to get reimbursed, or access the accumulated rewards that should be well over {$5000.00}. I'm going to put my name and phone number in the text here so that I can be contacted, even though it might be in other places. I am not sure if I should put my credit card number in this account, ( and in the interest of caution, I won't ) because I have had past problems both with this credit card and our savings account ( which was annoying but resolution took only a few weeks to resolve. ) We have an excellent credit score, so that can not be the issue.
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ( XXXX ) XXXX landline ( XXXX ) XXXX my husband 's cell
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| 11/22/2023 |
Yes |
- Credit card
- Store credit card
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- Getting a credit card
- Card opened without my consent or knowledge
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Web |
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I am writing to formally submit a complaint to the Consumer Financial Protection Bureau regarding a distressing situation involving Barclays Bank and their handling of an unauthorized Banana Republic Rewards Credit Card that was opened in my name. The details of the incident are as follows : On XX/XX/2023, I received an unexpected call from Barclays Bank concerning overdue payments on an existing Banana Republic Rewards Credit Card. To my shock, I had no prior knowledge of the existence of this credit card. It came to my attention that this credit card had been apparently opened in connection with an account at Barclays Bank shortly after I made a purchase at a Banana Republic store a few weeks earlier.
I was deeply alarmed by this fraudulent situation, which involved the unauthorized use of my personal information. As an individual from another country, I am not familiar with the nuances of consumer credit information manipulation in the United States, particularly when it involves store employees collecting personal information under the guise of enrolling customers in rewards programs and subsequently using that information to surreptitiously open credit card accounts without explicit consent.
Upon receiving the call from Barclays, I promptly informed their agent that I had not applied for any credit card, had never received XXXX, and had never applied for a bank account with Barclays. I requested that they immediately close any account associated with my name.
On XX/XX/XXXX, I visited XXXXXXXX XXXX with my husband to open a joint account and was astounded to discover that I had two late payments negatively impacting my credit score. These late payments were linked to the unauthorized Banana Republic Rewards Credit Card account at Barclays, which was having significant repercussions on my creditworthiness.
I immediately contacted Barclays once again to report this situation and reiterated that I had not authorized the credit card, that I had already requested the closure of the account and expressed my concerns about the impact on my credit score. Barclays informed me that they would initiate an investigation into the matter and assured me that I would receive a written response within 30 days regarding the status of the investigation.
Regrettably, as of the time of this complaint, I have not received any such letter or communication from Barclays regarding the investigation. Furthermore, the investigation remains unresolved, and despite my weekly follow-up calls, Barclays continues to inform me that it may take up to 90 days to receive a response.
This ongoing situation has caused me considerable distress and uncertainty about my financial well-being. I am deeply worried about the potential long-term consequences of this unauthorized credit card account on my credit score and overall financial stability.
I kindly request the Consumer Financial Protection Bureau 's assistance in addressing this matter and ensuring that Barclays Bank takes immediate action to investigate and resolve this fraudulent activity. I am uncertain about the appropriate steps to take to safeguard my financial interests, and your intervention would be greatly appreciated.
Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution of this issue.
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| 08/18/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX, I initiated a payment through my bank to pay my XXXX XXXX card balance in full, The payment was in the amount of {$1100.00}. The electronic funds transfer was received by XXXX XXXX on XX/XX/XXXX and the money was taken from my bank account. XXXX XXXX never applied my payment and continued to withdraw my automatic payment of {$38.00} on XX/XX/XXXX, {$39.00} on XXXX XXXX and {$38.00} on XX/XX/XXXX. I did not realize additional payments were being taken out until after the payment made in XXXX as they were set up on automatic payments through XXXX XXXX 's payment site. Once I realized this I called XXXX XXXXXXXX Barclays on XX/XX/XXXX to inquire about the payments and understand why they were still showing a balance on my account when I had paid the account in full in XXXX. Barclays stated that they did not see my applied payment in XXXX and that I would have to call XXXX instead as my account had just been transferred to them and they did not have the XXXX information. I called XXXX, explained that I was trying to figure out why my payment was not applied and they gave me a similar excuse. They had transferred their records to Barclays and no longer had my account information. Synchrony advised me to call Barclays even though I'd explained that I'd spoken with Barclays and they'd insisted that I resolve the matter with Synchrony.
I called Barclay 's again on XX/XX/XXXX to seek a resolution and they were still attempting to reroute me to XXXX for help. After being bounced from department to department, I finally spoke to the payment resolutions department at Barclays who opened a case on my behalf.
I received a letter in the mail about a week and half later requesting I send proof of payment from my bank. I downloaded the information and mailed the proof of payment back to Barclays. XX/XX/XXXX arrived and I had not heard anything from Barclay 's regarding my case but received a call saying I had an overdue payment. I attempted to speak to someone about my case but the only information they had for me was that the claim was closed due to my proof of payment not being sufficient. On XX/XX/XXXX, a woman named XXXX called me from the resolution department and I explained all of the back and forth I had gone thru but had received no resolution and still no one could track down why my payment had not been applied and why the proof of payment I received directly from my bank was insufficient. XXXX assured me that she would research and try to resolve it. She gave me an email address to send my proof of payment to again. I sent the information only to have the email come back saying the email address was invalid.
On XX/XX/XXXX, I called Barclays once again to check on the status of my claim and was advised that the XXXX payment of {$1100.00} was applied to my account but then said the payment was returned to me. The {$1100.00} payment I made was never sent back to me. I checked my bank account in addition to calling the bank directly. As of XX/XX/XXXX, Barclay 's is stating that my XXXX payment was applied but, I somehow still have {$1100.00} balance and I'm being charged excess interest on a late payment. I have been trying for nearly 2 months now to get this resolved but no one has been able to help me. I'm extremely tired of the runaround and want this resolved now.
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| 03/29/2016 |
Yes |
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Web |
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In XXXX XXXX, I set up payment arrangements with Barclays XXXX XXXX XXXX ( now AAdvantage ( R ) Aviator Red XXXX ( R ) ) ( XXXX ) to draft {$100.00} ( {$39.00} more than what was required ) on the XXXX of each month starting on XXXX XXXX, XXXX. The drafts have been successfully taken out since then. However, when I read my credit report it stated that I have late payments from XXXX on XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. I called XXXX to inquire and talked to XXXX people XXXX supervisors and representatives in the customer care and collections department ), all of them said that they could not change my payment due date to the draft date. I asked them why the collections representative did not disclose that my payment due date XXXX XXXX of each month ) would not change to the draft due date XXXX XXXX of each month ). They replied they do n't know why it was n't disclosed and that they could n't change my payment due date from the XXXX to the XXXX of each month. I said my credit score is affected by AAdvantage ( R ) Aviator Red XXXX XXXX XXXX XXXX because they never told me that my payment due date would not change. After talking to XXXX more people that said the same thing ( they can not change my payment due date to my draft date ) I came up with a common sense conclusion, change my draft date to the XXXX of each month to make sure the funds are collected by the XXXX of each month. ) They were able to change my draft date but I am puzzled to know why they could n't change my payment due date.
I am reporting AAdvantage ( R ) Aviator Red XXXX ( R ) ( XXXX ) for XXXX reasons. Firstly, XXXX took advantage of me setting up payment arrangements. They did not disclose to me that my payment due date XXXX the XXXX of every month XXXX would remain the same even though I asked the representative to change my payment/draft date to the XXXX of each month XXXX when I receive pay ). Secondly, I am also reporting XXXX because they are responsible for the penalties of the late payments on my credit report. The first representative admitted that it was the fault of AAARM because they did not change my payment due date. Thirdly, I am reporting XXXX because I find it inconsiderate and incompetent that AAARM can not change a payment due date on a consumers credit card. I have XXXX alternate credit cards in which I pay on time and at least twice a month to pay more on my cards. All of these cards are considerate enough to offer consumers a change due date option. It bewilders me that XXXX does not offer the same option.
I ask the customer care and collections department to send me a letter admitting their fault to my late penalties on my credit report. After talking to XXXX representatives and XXXX supervisors, the last supervisor said he would have it faxed in a few hours. That few hours turned into 24 hours and a phone call from a manager that called me to make sure she could even fax the letter. After I was told I would receive a letter to send to the Credit Bureau within a few hours, I find myself retelling the story to a manager to see if she could write the letter for legal reasons.
I am disappointed to know that I am taking the correct steps to pay a creditor only to find out they are irresponsibly taking my money monthly and affecting my credit score.
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| 09/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Dear XXXX, I am writing to bring to your attention certain violations of the Fair Credit Reporting Act ( FCRA ) related to the reporting of my credit information by Barclays Bank Delaware on my credit reports from XXXX, XXXX, and XXXX. Each identified error corresponds to specific FCRA violations under Section 15 U.S.C. 1681s-2, including 15 U.S.C. 1681s-2 ( a ) ( 1 ) and 15 U.S.C. 1681s-2 ( a ) ( 8 ).
These companies have failed in their duty to investigate disputed information. I have reached out to these reporting companies several times, yet they continue to report errors on my credit report, knowingly providing false information.
The information on my credit report is outdated and inaccurate. I do not currently owe any money to Barclays Bank Delaware, nor do I have an active account with them.
XXXX, XXXX, and XXXX are each reporting the following errors and violations : Error : Date of Last Activity : Discrepancy across all three credit reporting companies.
FCRA Violation : 15 U.S.C. 1681s-2 - Duty to Provide Accurate Information Requested Action : Correct the inconsistencies in the Date of Last Activity.
Error : Payment Status reported as " Collection/Chargeoff '' despite being marked as Paid.
FCRA Violation : 15 U.S.C. 1681s-2 - Duty to Provide Accurate Information Requested Action : Clarify the payment status accurately. Per IRS a charge account is Ordinary Income and Ordinary Income should not be reported on a consumer report.
An account can not both be a collections and a chargeoff at the same time.
Error : XXXX consistently reports this account as a Chargeoff every month.
FCRA Violation : 15 U.S.C. 1681s-2 - Duty to Provide Accurate Information A charge off only takes place one time this can not report every month as a charge off each month. This is hurting my credit.
Error : Comments on account : " Account information disputed by consumer, meets FCRA requirements. '' This comment is misleading and false, as this account reporting does not meet FCRA requirements.
FCRA Violation : 15 U.S.C. 1681s-2 - Duty to Investigate Disputed Information Error : Date of Last Payment and Last Reported Date discrepancies across all three companies.
FCRA Violation : 15 U.S.C. 1681s-2 - Duty to Provide Accurate Information Error : High Credit amounts differ across all three companies.
FCRA Violation : 15 U.S.C. 1681s-2 - Duty to Provide Accurate Information I kindly request that Barclays Bank Delaware undertake the following actions : Correct the inaccuracies on my credit reports with XXXX, XXXX, and XXXX to ensure that the information is accurate, complete, and verifiable.
Provide written confirmation of the corrections made to my credit reports and delete the account due to multiple violations.
I am seeking a remuneration of {$1000.00} per violation of the FCRA, totaling {$5000.00}, to address the harm caused by these inaccuracies. This payment should be mailed to the following address within 30 days or I will take further legal action.
[ Your Name ] XXXX XXXX XXXX XXXX, GA XXXX These errors have significantly impacted my financial well-being, and I believe that a fair resolution should encompass both the correction of my credit reports and compensation for the violations. Your prompt attention to this matter and compliance with the FCRA is highly anticipated.
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| 04/30/2016 |
Yes |
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- Customer service / Customer relations
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Web |
Servicemember |
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XX/XX/2016, I filed a complaint with FDIC. XX/XX/2016 FDIC sent me an email informing me of the following : " Based on our review of the issues you raise in your correspondence, we believe your concerns should be referred to the CFPB for assistance. We have taken the liberty of forwarding your correspondence to the CFPB at the address below. '' CFPB should have recieved the correspondence by now. I attempted to call CFBP today XXXX MST and the automated recording said CFBP was closed & disconneted call.
My complaint is very simple : I refinanced my house, in the process the Mortgage company agreed to pay off my credit card accounts. I received XXXX checks from the mortgage company, XXXX check payable to Credit One Bank for {$640.00} & the other to Barclays for {$760.00}.
Both of these financial institutions have the same mailing address with the exception of the XXXX. XXXX. I got the checks confused, I ended up putting the Barclay 's check in the XXXX mailing envelope and the XXXX check in the Barclay mailing envelope.
XX/XX/2016 I brought this matter to Barclay & XXXX attention, since then XXXX has resolved this error however Barclay has been giving me the run around. I have contacted Barclays several times. I spoke to XXXX ; XXXX ; XXXX ; 2 XXXX supervisors ; & several Customer Service Representatives whom all told me they will look into it & someone from Barclay would call me back which never happen thus justifying all the calls I made to Barclay.
These calls I made to Barclay started in XXXX through XXXX & Finally in XXXX. The last call I made Barclay in XXXX Barclay told me it would take 90 days for XXXX XXXX to return to return the check to the Mortgage Company. This is the same information they told me in XXXX, XXXX & XXXX.
I suggested more than once for Barclay to write a check to the Mortgage Company & the matter would be resolved but Barclay said it would take 90 days. This matter has taken more time than what is to be considered a reasonable of time which is unacceptable.
This means Barclay will take 6 months from the date I reported this error to their attention to which I have doubts. I can not understand why Barclay has n't written a {$640.00} check to the Mortgage Company.
I am reaching out to CFPB for relief & expedite the return of {$640.00} Barclay has no business holding up due to their bureaucratic excuses. It should n't take this long for Barclay or any Financial Institute to return funds that is n't theres to the appropriate bearer of the funds.
I no longer know what to do or who to reach out to. I have called Barclays so many time I lost count, I have spoken to several Barclay representatives, Manages, & Supervisors from XXXX through XXXX & all I got was the run around and delay tactics which is unacceptable. It has been more than a reasonable of time for Barclay to return funds they are not entitled to & return to its rightful bearer. My concerns & arguments are merely based on principle & poor business practices than personal.
The purpose for paying off my credit card accounts was to improve & repair my FICO & credit scores with the Credit Bureaus however, the delay tactics & buracracy Barclay has implemented is impacting my credit score. If there is anything XXXX could do to expedite the return of the {$640.00} would be appreciated.
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| 06/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On or about XX/XX/XXXX, I looked at my Barclay 's UPromise Mastercard bill online and saw a charge for {$2200.00} from XX/XX/XXXX, from a XXXX XXXX XXXX in XXXXXXXX XXXX. I have never made a charge exceeding {$100.00} at a convenience store, so I knew the charge was fraudulent. I called Barclay 's immediately to cancel my credit card and dispute the charge. Barclay 's credited my account with the full {$2200.00} initially. However, the {$2200.00} charge reappeared on my credit card statement in XXXX. I called Barclay 's again to ask why this charge reappeared on my statement. The representative said they would need a written letter from me disputing the charge. On or about XX/XX/XXXX, I mailed a letter to Barclay 's again disputing the fraudulent charge. I explained that we had been in XXXXXXXX XXXX and to the convenience mart in question on the weekend before XX/XX/XXXX. We purchased only a small amount of gas at the store because our car gas thank was almost on empty, and the gas price at the store was more expensive than other stores. The purchase was for no more than {$20.00}. The gas pump worked slowly, and the store clerk came out to check on us. I believe we had to go inside to pay for the gas because the pump would not take the card, but I am uncertain. In any event, we paid for the gas and left the station. We certainly never purchased {$2200.00} worth of merchandise. In fact, the store was so small and run down, I think a {$2200.00} purchase would have bought all the merchandise in the store. ( I have attached a photo of the convenience store, so you may see its size and general condition, which supports my statement that there was not much in the store to purchase. ) I received a letter from Barclay 's on or about XX/XX/XXXX, stating that our charge of fraud had been denied due to a " pattern of purchase, '' which was unbelievable given the amount of the alleged purchase made in a very small convenience store. I reviewed our credit card statements for the XXXX period preceding the XX/XX/XXXX, charge, and I found that we had not made a purchase from a gas station or convenience store for more than {$80.00}, and those purchases were for gas.
I am submitting a copy of my account analysis from the past XXXX months for the " everyday spending '' category, which is the category in which purchases at convenience stores and gas places appear. Note that all of my purchases are much lower than the {$2200.00} purchase. In fact, most months, my charges on this credit card are under {$1000.00}.
I wrote Barclay 's a second letter, dated XX/XX/XXXX, requesting copies of any and all evidence they used to support their denial of my claim of fraud along with copies of receipts evidencing the purchase and copies of any signed receipts for the purchase. I also requested copies of any statements made by the store owner and/or store clerk regarding the charge. Barclay 's has failed to acknowledge its receipt of my letter, and it has failed to provide any evidence supporting their faulty conclusion that the XX/XX/XXXX purchase in the amount of {$2200.00} was not a fraudulent purchase. I am currently accruing interest charges on this {$2200.00} purchase I did not make. I believe Barclay 's made this decision to deny my fraud claim without merit or evidence to support its decision.
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| 05/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have been working on paying this Barclay XXXX MasterCard for over 4 years. Since the card was on on auto pay, I assumed my balance was almost gone. To my surprise when I looked, my balance went up not down although I had not used the card in years and had been making consistent payments. I immediately called Barclay to see why & they told me due to the high interest rate and annual fees which they could not get into details about. They said they could not lower interest rate or any late fees ( although I was on auto pay ) even though I had great credit at that time ( score of over XXXX ). They killed my credit due to this issue my current score is sadly XXXX . Furthermore, I called after going through hardship of being laid off then loosing my fianc shortly afterto a car accident. I explained this to XXXX & they said if I did not have the payment they could not help me. I asked what my options where to resolve and the reps response was come up with more money & that there was nothing he could do. I tried to work with them several times & spent hours on the phone trying to meet a middle ground. For months and I paid extra hoping it would catch up to current. It did not. Recently, in XXXX , I moved across country to CA to take a new higher paying job after graduating with my XXXX in XXXX . Although I notified them 2x b efore my move they did not update my previous address & a ton of late fees every month. This added even more to the amount due. I then as a last resort tried to work with a debt consolidation agency to resolve. The debt consolidation agency also expressed that they too where shocked at how little leeway & flexibility they offered. They where the only creditor that would not work with the consolidation company ( XXXX ) they reduced the interest rate from in the high twenties to 5 %. What was really upsetting is they took an extra {$1000.00} from me promising it would make my account current. And an xtra {$100.00} this past month on top of the normal payment they are getting from the consolidation agency, and still have not brought my account current. When I actually checked my credit report they did no such thing. All late payments are still showing and my account still shows as past due. I have done everything in my power to resolve this with little to no help from them. When I called they said the oth er Rep must have li ed to me and there was nothing I could do about it. They where not willing to bring my account current even with additional hundreds of dollars paid again over the minimum amount due. Please help as I have already lost so much sleep, time & money over this looming credit card. I am in service industry & have never dealt with such a inflexible & greedy company in my life. Please help me resolve this complaint as this is killing my credit I have been working so hard to rebuild. This is fraudulent and unauthorized use of my money. Please help make this right or at least hold them accountable. It 's simply not right. I am a strong person and if they took advantage of me I am sure they are taking advantage of thousands of othe rs that may be unable to protect themselves and/or unable to report them to the proper authorities. Thank you in advance for your time, help & support. Best regards. XXXX XXXX XXXX
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| 08/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Privacy issues
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Web |
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First, I did NOT sign up for a Barclays Old Navy Mastercard. In 2021, Old Navy prompted me to sign up for an OLD NAVY card that would be used at OLD NAVY only. I received an Old Navy credit card that was a Visa and the credit card company associated with the account was XXXX. Without my knowledge as the consumer, my personal information was shared with Barclays and my account was converted into a XXXX. I did not authorize this at all. When I was in the Old Navy store, they automatically put a charge through to the new account under Barclays that they established on their own without my knowledge. I returned those items and told them I don't have a mastercard account. The Old Navy representative at the store said she could not assist me with anything regarding a credit card account and I would need to talk with Barclays ( the company I NEVER signed up with or authorized to have my account information ). I contacted Barclays several times and they said I would need to establish an online account for them to get access to my information. Upon establishing an online account, they locked me out of it. I ended up receiving a physical bill in the mail for something I did not recognize in the amount of {$180.00}. I decided to try and pay it just to ensure I don't have any issues with Barclays trying to discriminate against me and negatively marking my credit. The online system would not accept payment, when I called in the automated system demanded all my personal information and would not provide me with any of my account information but instead, transferred me to a live person in another country who prompted me to share all my personal information with her/him.
After being locked out, of the online account I tried logging into, I contacted Barclays AGAIN, spending over a hour on the phone and I RECORDED THE FULL CONVERSATIONS, but did not get any help from them to resolve the issue in accessing my account. If I did not provide my mother 's maiden name or my physical address, they would not assist me. I was transferred to 3 different Barclay representatives in the XXXX and then to a 4th representative in XXXX. I was asked invasive questions which area a threat to my privacy and security such as my social security number, my address, my DOB, my mother 's maiden name, the full credit card number, my phone number and the 3 digit code on the back of my card.
I had to pay for certifed mail to ensure a payment was processed because it is clear that Barclays is adding erroneous charges to an unauthorized account and then trying to keep consumers from paying the amount so they can collect late fees. Barclays is a scam and Old Navy is just as bad. I would not recommend that Old Navy or any of the other stores utilize Barclays for their customers. Further, I do not respect the encouragement of new credit accounts being opened by store representatives who will not be able to serve the customer in paying a bill or answering questions on the very account they establish. All the personal information being collecte and transacted across different software and viewed by different representatives in various countries is rediculous.
I WANT MY ACCOUNT WITH BARCLAYS CLOSED!!!! And I better not have a negative mark on my credit in closing it being it is to protect my privacy and security.
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| 05/03/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am writing to you in regards to a fraudulent account that was opened in my name. I This account was marked as fraudulent, but the investigation was concluded based upon a single data point that I would like to clarify and contest. The account in question ends in the 4 digits XXXX. I would like to reinstate this investigation and re-review the evidence considered in this fraudulent investigation.
Based on the information provided by Barclay representatives, the investigation on the fradulent account was concluded since there was a payment of {$200.00} on the statement balance associated with XX/XX/20 and was applied to the outstanding fraudulent amount as of XX/XX/20. This payment was made from my personal XXXX XXXX checking account, partially by mistake, and I believe this was the initial aim of the fraudulent offender, that being to open an account with my information, hoping that I would pay it. However, this was the only payment I made, but this should not invalidate the other evidence pointing to this being a fraudulent account.
The current email on the account, which I have requested not be changed to my personal email in the interest of maintaining evidence, is likely to be XXXX, however this can not be confirmed with my Barclay representatives. This same email was also connected to a fraudulent account on a different credit card with a separate company, which ended up being closed as the result of a competent investigation.
All of the purchases on this account are suspicious in regards to the locations associated with their purchases. On the statement period of XX/XX/20-XX/XX/20, there are several purchases that are abnormal, given that my address at this time of these purchases were quite far from their location of purchase. For example, there were purchases spaced 1 day apart, from XXXX XXXX, to XXXX, to XXXX, all cities seemingly adjacent in California, but far enough away from each to justify fraudulent behavior, but with minor-enough purchases to potentially bypass suspicious behavior as automatically recgonized. However, I can attest that I have not and do not live in, near or purchase items in any of the cities or from the vendors listed.
In addition, the charges on the account clearly reflect fraudulent behavior. On the dates spanning XX/XX/2020, as reflected on the statement period for XX/XX/20-XX/XX/20, six separate purchases for XXXX XXXX Gift Card at {$50.00} each ( totalling {$300.00} ) reflects fraudulent behavior, as the sequential purchase of multiple, lower quantity gift cards is suspicious, however there were no suspicious alerts. In addition, I do not and have not possessed any XXXX devices, and therefore the purchase of XXXX gift cards is evidence of fradulent behavior.
Given the evidence provided, I would request that the investigations for this fradulent account be re-opened, and that the evidence I have provided will be considered in favor of considering this account fraudulent, and in turn, closing the account so that no collections are paid. Interest and fees continue to acculmute, and I should not be responsible for any payments given the evidence presented.
I have included the referenced statements as hard copies for confirmation, and I appreciate your time and efforts to evaluate and close this fraudulent account.
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| 08/14/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Older American, Servicemember |
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XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX, GA. XXXX ( XXXX ) XXXX XXXXXXXXXXXX Barclaycard Card Services XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : Acct. No. XXXX XX/XX/XXXX Dear, Card Services Dept. : I XXXX XXXX XXXX. XXXX XXXX., am filing this formal complaint against the Barclaycard Credit Card Services Company . I was given a Barclaycard credit card. Over the past year and presently, every month there are phony charges on my credit card. Every month for the past year the phony XXXX and other cable services charges have been placed on my card and every month I have to inform Barclaycard that the charges are phony. However, the Barclaycard Card company keeps putting the phony charges on my card hoping that I will not notice the fake charges and pay. Over the past year the company and I have tried to stop the fake monthly charges by changing card numbers yet the charges keep coming. Since the cards were changed and not activated the phony charges keep being placed on my card. Barclaycard Credit Card Company is practicing fraudulent and illegal credit card activities and Grand Larceny by putting the skullduggery billing of fake cable company charges on my credit card every month. The proof and reason I know the fake charges are a conspiracy being done by the Barclaycard Credit Card Company and is coming from inside the company are the following : ( 1 ). The card numbers have been changed, however the same illegal fraudulent charges keep being placed on my card.
( 2 ). This problem has been going for almost for a year. Every month when I complain the Barclaycard Credit Card Company attested they will stop the fake charges yet the same charges are being billed to my card every month ; even when the card is not activated and the numbers were changed. Therefore, the only way the fake charges are still being put on my card is coming from within the company since the card is not activated and the number were changed. Therefore, because of the Barclaycard Credit Card Companys fraudulent and skullduggery billing I am no longer obligated to pay the bill and I am decreeing that because of the skullduggery billing, the Barclaycard Credit Card Company can not report my account to any credit reporting companies. As of today, I and rescinding my credit card with no obligation to, make any more payments to the crooked and larcenous Barclaycard Credit Card Company. I want legal action against Barclaycard Credit. PS ( See attached most current Bill below : ) Thank you, XXXX XXXX. XXXX Good evening, XXXX Barclaycard Rewards ... XXXX Current Balance {$1400.00} Available credit {$12.00} Credit line {$1500.00} View balance details payment status Your payment is due on XXXX XXXX Minimum amount due {$46.00} Statement balance as of XX/XX/XXXX {$1400.00} View Current Statement PDF Current points XXXX Last redemption date XX/XX/XXXX RECENT ACTIVITY View all transactions Posted transactions REWARDS VIEW ALLXX/XX/XXXX XXXX XXXX XXXX {$57.00} XX/XX/XXXX PURCHASE INTEREST CHARGE $ ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$6.00} XX/XX/XXXX INTEREST CHARGE-CHECKS, OT {$3.00} XX/XX/XXXX INTEREST CHARGE-PURCHASES {$29.00} XX/XX/XXXX Payment Received $ ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX $ ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00}
|
| 12/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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|
Web |
Older American |
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I opened an account with frontier XXXX with barclays based on an inflight promotional offer i was given on a flight for frontier airlines. I still have the promotional document. It said i would get annual fee free for first year, valued at {$79.00}. I used the promo code given to me when signing up, and i got the card. I was charged the annual fee and i tried to open a dispute online. While there is an online dispute option, you can not dispute annual fees. In addition, i called to open a dispute, the same issue happened, this against reg z. I opened a regular complaint on the amount and they said they would research. This was on XX/XX/XXXX and on XX/XX/XXXX they told me they would come back in few days, and still no response. I called a few times after that and they said 2 billing cycles, but in that time i was still liable to pay for the annual fee. The email send and response are here below. Each time i call, the care center reps are not able to do anything for me- and say i will get a response soon but i have to pay until then. I paid the annual fee to stop myself from having other issues, but clearly the dispute process here breaks Reg Z and the misleading and unfulfilled promo offer breaks XXXX. I was not able to open a dispute on this, i didnt get a timely response and not in the 2 billing cycles promised ( no response yet ) and i did not have the amount due suspended. Please help me get them to respond to me and close this issue so that all offer terms are fulfilled as promised.
Response Customer Care via EmailXX/XX/2021 XXXX XXXX Hi XXXX XXXX XXXX Thank you for contacting us about your Frontier Airlines XXXX XXXX XXXX
Upon review of your account we show that there is already a concern raised XXXX regarding your annual fee issue. It has been sent to the concerned team to investigate. We request you to please allow us few days to investigate the issue. For the best service possible, please call us anytime at XXXX. Were here to help 24 hours 7 days a week. assist.
We hope you find this information helpful, and we thank you for your continued business. If you have any other questions or concerns, please reply to this message.
Sincerely, Customer Care Customer XXXX XXXX via XXXX WebXXXXXX/XX/2021 XXXX XXXX Hi, I have called and entered in a request to remove the annual fee given the promotion material that was provided to me on the plane of first year annual fee waived. This promo code will be looked into but I am being told that they will take 2 billing cycles to look into this and I am liable to pay this amount until then. However, this is not regulatory law as i am disputing this amount due to the promotion materials I have been given. Therefore, per Regulation Z, the amount must be suspended until the apropriate investigation is done and completed as my promo is applicable here- i still have the marketing material and code and that was provided. Therefore, please remove or suspend this charge until you are able to complete your thorough investigation. On the phone they were not able to help me and the form also does not allow dispute of this charge. I expect contact ASAP on this matter so I can resolve this prior to XX/XX/XXXX, when the bill is due, so that I am not subject to additional consumer harm to my credit and financial record.
|
| 07/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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To Whom it May Concern : I'm writing to file a NEW COMPLAINT/REOPEN my claim dispute or escalate to arbitration Case ID : XXXX XXXX based on new information I received regarding mastercards chargeback guidelines. I spoke with XXXX at Barclay yesterday, as well as, two additional customer service reps who confirmed that my Barclay world elite mastercard falls under those current guidelines set forth by mastercard. I have gone ahead and mailed in a request to reopen my claim again as I am unable to do so via phone or online. I've also had my lawyer and mentor who formally worked for the company review my case and based on the current chargeback guidelines set by mastercard on page 68, which clearly state under, Goods or Services Were Either Not as Described or Defective that the permitted timeframe for a chargeback is, " 120 calendar days from when the services ceased with a maximum of 540 calendar days from the transaction settlement date for issues of interruption of ongoing services '' that I was and am well within the timeframe to dispute the charges.
The charges were from a company called real estate elevated that I received ONGOING services with that was shut down and sent to receivership by the FTC for FRAUD on XX/XX/XXXX. The transactions were again for ongoing services and occurred on XX/XX/XXXX for {$19000.00} ( XXXX ), XX/XX/XXXX for {$13000.00} ( XXXX ), and XX/XX/XXXX for {$9000.00} ( XXXX ) totaling {$41000.00}. I am unable to pursue corrective action with the company because they committed fraud and have a restraining order prohibiting them from continuing business operations.
I have been disputing the charges with Barclay since XX/XX/XXXX, which was 20 days after services ceased and have continued to receive the same generic response, which is " Due to the length of time that has passed since the transactions were made, we no longer have dispute rights available to pursue credit on your behalf. '' Based on the new information that was brought to light about the mastercard guidelines this response is invalid based on the fact that the services were ongoing and that I was and still am well within the required time frames to dispute the charges. These guidelines were put in place to protect consumers and give them recourse against predatory companies like this one. They committed fraud and I and many others are a victim of this company and I'm simply asking Barclay MasterCard to adhere to and honor their own guidelines and rectify the situation by issuing a full refund for the above charges. Barclay has refused to even submit a request to mastercard asking for a refund and I just want them to use the correct chargeback reason code and submit the request. Several other individuals I've spoken with have gone through the same thing with mastercard and have had no problem getting their purchase refunded because the company in question was illegitimate. I've attached a letter from my lawyer, a second opinion letter from one of the former instructors, my previous correspondence with barclay, receipt from the company, bank statements with the charges, and the mastercard chargeback guidelines ( please see page 68 ).
I appreciate your assistance in this matter, if you have any questions or need more information please feel free to reach out.
|
| 03/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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This is the condensed version of my complaint. Please contact for further details : I had an account with Barclaycard up until now. I've had two charges in dispute, charges made by XXXX XXXX, about an incident that happened between XX/XX/XXXX XXXX. The incident in question was that on my way from XXXX to XXXX I had a carry-on bag that was forced into checked baggage. After an hour delay with the flight I only had minutes to catch my first international flight out of the country. I could not claim my bag despite the fact that I was forced to check the bag. That bag had my prescription medication. I could not afford to pay out of pocket nor was I near anywhere that would be able to replenish my missing medication, which would have been at least {$2000.00}. Instead, I had to spend money on long-distance phone calls to XXXX negotiating the terms at which my bag would be released to me. This was during a time that was supposed to be a relaxing holiday vacation with family and friends. Instead, I had to suffer the withdrawal symptoms throughout that time. I eventually received my bag back on XX/XX/XXXX, XXXX day after my arrival to the XXXX by a friend who had been gracious enough to retrieve it for me before XXXX had shipped it to their warehouse. On XXXX, I contacted XXXX telling them of what happened. They only stated that I was on these flights with no recollection of them holding my bag hostage for two weeks. The representative had told me that there wasn't any record of me calling about my bag. They ignored my subsequent phone calls. I called Barclaycard, whose card I used to make these purchases. I filed a dispute and sent a letter to them in excruciating detail about what happened. I called two days after sending it to see if they received my letter ; they confirmed they did and will be contacting me within the week. About a month goes later and I do not hear from them. I called Barclaycard to ask what the status of the disputes were. They said they had sent letters around XX/XX/XXXX stating that the dispute was closed. I did not received these letters. The billing dispute representative had stated that XXXX had completed their contract, which involved them flying me back and forth from my destinations. I can not understand where in that contract gives XXXX the right to my belongings. I also could not fathom why Barclaycard would be flippant about this. I asked to have them reopen the disputes but they said I had to open up new cases. I attempted to do that by faxing my " XXXX '' letter again as directed. Did not hear a response. On XX/XX/XXXX, I called Barclaycard to close my account. I spoke to a customer representative whose name I do not recall but I do remember the names of those I was transferred to in order : first account specialist, billing dispute representative, second account specialist ( who ultimately completed my request ). I can not believe after months of fighting this that no one on either end would be sympathetic to what had happened. At this point, I've closed my account with Barclaycard. I refuse to give these companies the satisfaction of my business or my wallet as long as I draw breath. I am pursuing other remedies at this point. I will also be attaching the letter I sent Barclaycard regarding the detail in what had happened.
|
| 03/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
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Web |
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On XX/XX/XXXX, I bought {$190.00} worth of merchandise from XXXX. One item was backordered, so I was not immediately charged for it. The rest of the items shipped on XX/XX/XXXX, when my Barclays Visa credit card was charged {$170.00} ( representing the prices of only the items that shipped ). Barclays later informed me that this charge posted to my account on XX/XX/XXXX. The items that shipped on XX/XX/XXXX never arrived at my residence, so I called XXXX customer support to request a refund. The XXXX customer service representative submitted a claim on my behalf.
On XX/XX/XXXX, I received an email from XXXX customer support notifying me that it could not issue me a refund because it had a proof of delivery on file. The email said I could dispute the charge with my credit card company. On the same day, I called Barclays to dispute the {$170.00} charge. Barclays initiated a claim and issued me a provisional refund of {$170.00}.
On XX/XX/XXXX, I received a letter from Barclays dated XX/XX/XXXX. This letter notified me that Barclays had taken back the {$170.00} provisional refund because it had received proof of delivery information from XXXX, which was enclosed with the letter. The letter also said that I could write to Barclays within 10 days if I disagreed with its decision.
On XX/XX/XXXX, I faxed and mailed to Barclays a letter explaining that I disagreed with its decision to take back the {$170.00} provisional refund because the proof of delivery information enclosed with its letter did not prove that the items in question were delivered to my residence. I pointed out that one of the proof of delivery pages was a completely blank form belonging to the incorrect shipping company, and the other pages not only did not list my address, but indicated that the items had been left in a " Mailroom. '' I attached photos showing that my building does not have a mailroom, and that all packages must be left outside because only letters can fit through the mail slot on the front door.
On XX/XX/XXXX, I received a letter from Barclays, dated XX/XX/XXXX, explaining that " we're not able to assist you with obtaining a credit to your account due to the following : We are outside of the permitted timeframes to continue this claim through the dispute process. '' On XX/XX/XXXX, I received another letter from Barclays, also dated XX/XX/XXXX, explaining that " we're unable to pursue credit on your behalf for this particular transaction ( s ) for the following reason : The chip on the card was read and validated during the authorization process or the card was present and CVV confirmed. '' Regarding the first XX/XX/XXXX letter, I acted within the time frames Barclays gave me during the dispute process, so any delay that occurred was on its end. It is unfair for Barclays to delay the process and then claim it is unable to assist me because the process has taken too long. Regarding the second XX/XX/XXXX letter, the explanation provided is completely irrelevant, because my issue with the {$170.00} charge was not that it was a fraudulent charge made without my permission, but rather that the items I did purchase never arrived. The fact that these two letters were sent so close in time makes it appear that Barclays did not attempt to resolve my dispute in good faith.
|
| 02/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
On XX/XX/23 I was contacted by the Fraud department at Barclays stating there was fraudulent activity on my card resulting in many XXXX XXXX charges. I didn't make any of these charges, I live in XXXX NY and was in a blizzard, with no electricity at the time. So, I was happy they called me regarding the charges. They canceled my card, sent me a new one and turned over charges to their fraud department. I was very happy initially.
The first week of XXXX I received a letter that 2 of the charges were being deemed valid. When I checked my account there were actually 3 charges on the account that the Fraud department stated were valid. All from restaurants I'd never heard of and it was stated I had history with the merchant, XXXX XXXX. I found out the 3 restaurants are in northern California, thousands of miles from me. I've never purchased anything from these establishments. Coincidentally these are the highest charges I'm aware of, that were charged during the XXXX XXXX XXXX, totally {$200.00}. Over the course of the next 2-3 weeks I attempted on several occasions to get someone to listen to me, that I didn't make these charges. I was told I had to prove I was in XXXX and not in California ordering Chinese food. So I got a letter notarized by neighbor confirming we as a family were in fact home, in XXXX, in a blizzard and that no one was driving or ordering food from California. Sent pictures and wrote a 2 page hand written letter, as I was told it couldn't be typed. Someone could fake that. Faxed it all over to the fraud department. I did all of these things and received a notice today, XXXX that the charges were reinstated and were determined to be valid, despite all that I sent in. It is absolutely mind boggling.
I canceled my card today. I am loosing money that was earned towards my daughter 's college fund. I was a customer with Barclays for over 10 years and averaged {$4000.00} - {$5000.00} a month in charges, and I paid pretty much at 30 days. If I made these charges, I would have paid them. I wouldn't haggle over {$200.00}. But NO ONE would listen to me or be reasonable. Barclay 's fraud department picked 3 of the highest charges ( more were on the original list ) and said you have to pay these. No reasoning as to why other cheaper charges were determined to be fraudulent and these 3 were reinstated. Other than the very incorrect statement of " I had history with the merchants ''. I've NEVER heard of these restaurants or ordered from them. The fraud department apparently gets to make ridiculous determinations and stick to them. I asked for a manager to call me and was told a manager wasn't available. I could only leave a message and someone would call me back in 7-10 days. Ridiculous. And I never heard from anyone!
There is {$330.00} left to pay on my account. Of that, {$120.00} are charges we made and we will pay that amount. I refuse to pay the {$200.00}, the total of the fraudulent charges. Barclay 's will no doubt put me into collections and lower my credit score. But I will not pay for something I didn't charge. Their fraud department is over-reaching to say the least. No accountability or reasonable actions were taken by them. I was called a liar, treated terribly and am very frustrated to say the least. Others should beware.
|
| 02/22/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
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To Whom It May Concern, I am writing regarding my Gap Rewards Credit Card. I have been a Gap card holder for well over 10 years and the card was always under XXXX. Last year it converted to a Barclays card. I recently have experienced financial hardship and enrolled in a Debt Management Program through XXXX XXXX XXXX XXXX. XXXX sent a proposal to Barclays for both my Gap rewards card and my Banana Republic card. The proposal was to lower the interest rate from 29.99 % to 5.4 % and would have me pay off my balance in 4.5 years. In addition to this arrangement XXXX advised me to close the accounts, which I did. Barclays accepted the proposal for the Banana Republic card, however rejected the proposal for the Gap card. When XXXX as well as myself contacted Barclays to inquire the reason, we were told that I had a promotional interest rate on the account of 0 % until XX/XX/XXXX. I found this odd because all of my statements show that I am in fact paying 29.99 % interest. Upon further explanation, I was informed that the 0 % promotion only applies to purchases made between XX/XX/XXXX XX/XX/XXXX. Which total {$390.00}. My current balance on the card is {$7500.00} and that is being paid at a 29.99 % interest rate. I asked if there was a way to remove the promotion so that I may enroll in the program. I was told no. I asked multiple times if I could pay the {$390.00} over and beyond my minimum payment in order to make the promotional balance XXXX, so that I may enter the program. I was told no. In fact, 3 different representatives told myself and XXXX, that any payment above the minimum payment would be spread out among the balance and NOT directed specifically to the 0 % promotion. This means that I am in fact NOT paying 0 % on the {$390.00}. Barclays is not offering me any way to take advantage of this promotion by allowing me to pay it off prior to XX/XX/XXXX. The only way to pay off the {$390.00} is the pay the entire balance of {$7500.00}. This is unfair. XXXX stated that they have never heard of a creditor doing this and it is false advertising. I would dare say its predatory lending. They offered a promotion before the holidays offering 0 % interest on new purchases however never created a way for me to actually pay off that balance. If I go to XXXX and buy furniture for 0 % interest for 6 months, they absolutely allow me to direct funds ( over and beyond my minimum payment ) to the balance of that furniture. Why is there no way through this promotion, to get out of it? How do I ensure that I am paying 0 % if you will not allow me to pay the {$390.00} prior to XXXX? Lastly and additionally predatory, is that because of this promotion on {$390.00}, Barclays will not allow me to enter a program to address the 29.99 % interest on {$7000.00} balance. They are essentially tying me into this rate and payments for 6 more months. There is no way out. That is not a promotion and I spoke to 7 different representatives yesterday who all claimed there was nothing they could do. This is unacceptable. I am asking for the promotion to either be removed from my account, or for the opportunity to pay off the promotional balance of {$390.00} so as to not accrue any interest, which is how a true promotion is supposed to operate. I look forward to a response.
|
| 10/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Older American |
|
I originally called on XX/XX/XXXX to request a new card for my husband, as his was worn out. I saw when I called that there was a charge on my account for {$200.00} from a store that I have no knowledge of. I told them that when I called that this was not my charge. She then said she would turn this into security and issue me a new card and send my husband his duplicate. I could NOT access my account online after this phone call was made. I then received a new card in the mail to me, not my husband. My card was the same card that had the fraudulent charge on it. So I couldnt use this card. And no card for my husband. I called again, only this time it took hours to get thru to someone at night on a Saturday night.. she promised she would overnight my cards to me on Monday so that we would receive on Tuesday. I did in fact get the cards, but I couldnt go online to activate, nor access my account in any way. I called again and again and again and the phone either doesnt answer or you get put on eternal hold and Im talking over 2 hours on hold. So of course you give up. My husband then called once again and nothing could be resolved. So then I write them a letter, because I cant get online to complain and still nothing. That letter was sent on XX/XX/XXXX. During this time, I repeatedly would try to call and get resolved, and still nothing. So then my husband called once again on XX/XX/XXXX to resolve and was on the phone for 2 hours and 30 minutes and still no resolve to the issue. We did get the last 2 months statements sent to us via email on XX/XX/XXXX, but can not pay online nor access my accounts. We paid the minimum due over the phone, because we cant see what has been charged since XX/XX/XXXX. On the statement they emailed, it still shows the fraudulent charge, with no credit or anything done on that. Then we also made some travel charges that we can use our points for, but we cant because we can not get online. I have requested by phone over 3 weeks ago to send me my bills in the mail, which they didnt do. We have over $ XXXX points that we would like to use for travel charges, but they wont let me online. They dont answer the phone, when they do, they put you on hold forever and NOTHING gets resolved. They are holding my points and my account hostage with no access to whats been charged, and wont let me online, they wont apply my points to hotel charges, its a complete and total disaster. NOT ONE PERSON HAS HELPED and we are going on 6 weeks of phone call after phone call, numerous hours of empty promises and I understand and am so sorry. Over and over and over again. This company should be shut down. These points are the sole reason we used this card. And its like they are stealing {$2300.00} out of my pocket. Ive saved these points for years and now they wont let me use them or access my account. Ive written to the XXXX XXXX XXXX and my state attorney general now you. This is beyond my comprehension that this company gets away with this with no avenues for the customer to get their bills, see what was charged, refund the charges of fraud and wont let me use my points. This should be against the law for this company to be open.
I sincerely hope you can help me with this, as we are absolutely exhausted all efforts with Barclays
|
| 04/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 12/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I recently received a copy of my ( XXXX, and XXXX ) consumer report, and I noticed that it is reporting my experience with your company.
The status of the account is inaccurate and must be deleted immediately. This item has 3 violations- according to FCRA - Reporting utilization is illegal. Reporting late payment is illegal, and WRONG Account status.
Barclays Bank Delaware illegally reporting the consumer experience ( utilization and payment ), and account status on my consumer reports.
BRCLYSBANKDE XXXX # XXXX.
List of violations ( this may increase as I review this account further ) : Barclays Bank DELAWARE is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) Barclays Bank DELAWARE is in clear violation of the law. Pursuant 15 US code 1666b ( a ) Barclays Bank DELAWARE is in clear violation of the law by wrongly characterizing an income as a collection account.
Barclays Bank DELAWARE is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) -- Exclusions - Except as provided in paragraph ( 3 ), the consumer report does not include - ( A ) subject to section 1681s-3 of the title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law clearly states : Transaction or Experiences between the consumer ( ME ) and the person ( You ) Barclays Bank DELAWARE making the report is NOT INCLUDED on the Consumer report!
Utilization and late payment are experiences with the line of credit that was extended between the consumer ( ME ) and the person ( You ) Barclays Bank DELAWARE that is making the report. Congress clearly states that the reporting of transactions or experiences between consumer and the person making the report is not included on the consumer report.
You are violating the FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience ( utilization ) on my consumer reports which congress clearly states that is not included on my consumer reports.
Barclays Bank DELAWARE is in clear violation of the law. Pursuant 15 US code 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Barclays Bank DELAWARE is in clear violation of the law by wrongly characterizing an income as a collection account.
Once 1099a or 1099c is filled as a result of charge-off the account becomes a taxable income. This makes the characterization of the account wrong. Barclays Bank Delaware is reporting an income. See attached Instructions for Forms 1099-A and 1099-C ( Rev. XX/XX/2022 ).
Because of your illegal act and continued violation of my rights, I have been denied mortgage loans, personal and business loans, bank accounts, and credits by several banks for months.
I am giving your 48 hours to delete the information.
Failure to respond satisfactorily with the deletion of the above items will result in legal actions being taken against your company for which I also will be seeking {$1000.00} per violation for : 1. defamation of character 2. negligent non-compliance 3. civil liability 4. Mental anguish 5. FCRA 15 USC 1681 violations for willful noncompliance -616. Civil liability for willful noncompliance [ 15 USC 1681n ]
|
| 01/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
On XX/XX/2022 I applied for a Master Card XXXX Card with Barclays Bank and was denied by an adverse action letter sent through postage. I have to admit I have been very ignorant of the Laws that protect consumers from discrimination like this. It has become very clear to me that financial institutions such as this one have no regard for the LAWs that protect consumers from such discrimination. I have offered a very simple solution to move forward with business as usual, but Barclays Bank has no intention of recognizing who I am as the soul signatory to the account ending in XXXX. I have also stated in my adverse action letters that I know in " FACT '' that I am the originator of credit. Barclays is NOT providing me with credit, I am extending my credit to Barclays Bank which is coded in Title 15 sec.1691a ( b ). By accepting my application they have accepted trusteeship in a fiduciary obligation and I have yet to receive any benefit for their use of my private account information.
I would like to add the definition of a Creditor : a person who, in the ordinary course of business, regularly participates in a credit decision, including setting the terms of the credit. The creditor includes a creditor assigner, transferee, or subrogee who participates. The term creditor also includes a person who, in the ordinary course of business, regularly refers applicants or prospective applicants to creditors, or selects or offers to select creditors to whom a request for credit may be made. A person is not a creditor regarding any violation of the act or this part committed by another creditor unless the person knew or had reasonable notice of the act policy or practice that constituted the violation before becoming involved in the credit transaction. THE TERM DOES NOT INCLUDE A PERSON WHOSE ONLY PARTICIPATION IN A CREDIT TRANSACTION INVOLVES HONORING A CREDIT CARD.
Title 15 sec.1691a ( d ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of a debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor.
( f ) The term " person '' means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association.
Under the ( U.D.A.A.P ) Unfair, Deceptive, or Abusive Acts and Practices, this delay of benefits has caused monetary harm to my family and me by denying access to products and services that I the " applicant '' have in good faith applied for.
Such discrimination could have been avoided by Barclays Bank if the representative from the XXXX XXXX XXXX XXXX would have and could have conducted a proper interview with me to further gather information to overturn this denial.
Barclays Bank assumes I am incapable of managing my account/affairs based on misinformation provided by XXXX alone which is known for deceptive business practices and the CFPB has a record of that.
I gave Barclays Bank ample time to correct their wrongs but to no avail have not answered any of the " Facts '' I have provided to them.
All this information is Public Knowledge and can be researched, which would hold Barclays Bank under Title 15 sec. 1611 Criminal liability for willful and knowing violation
|
| 06/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On or about XXXX, Barclays Bank inaccurately reported to XXXX and XXXX that my account was 30 days late in the amount of {$19.00}, when in reality it was merely a shortage of remittance by {$4.00} and only because Barclays failed to send me a Notice of Short payment which if they did, I could have easily paid instantly. But in lieu of a legal notification, XXXX added a 111 % Late Fee of {$4.00} and increased the amount due to {$9.00}.
In XXXX, the Barclays credit card was recommended by my XXXX XXXX XXXX ( whose logo is imprinted on the card, as if they were affiliated ), and I only accepted it so XXXX can automatically charge my quarterly maintenance dues every XXXX day of XXXX, XXXX, XXXX, and XXXX, and my Bank is set up to AUTOPAY Barclays on the XXXX ( 2 days before the due date ) every XXXX, XXXX, XXXX and XXXX.
All my accounts are set up on AUTOPAY OR BILLPAY, so I am never late with any company ( as you can verify from my credit report for the past 20 years ), including Barclays. In my first year with Barclays, I always overpaid and ended up with a CREDIT BALANCE, and I never, never called them up to ask for a refund of my small credit balances. But for the first time on or about XX/XX/XXXX, without my request, Barclays suddenly refunded my credit balance from my XXXX overpayment, which therefore caused my payment to be short by {$4.00}. It is Barclays fault.
Barclays never sent me a single Notice of Short payment of {$4.00}, never sent me a collection letter, as they are legally required to do so, so I could have paid INSTANTLY way before it became overdue and assessed 200 % late fee, but on top of the late fee & interests and the NEGATIVE REPORTING, they secretly SUSPENDED my account and declined the charge made by Wyndham on XXXX, again without notifying me, so that I could have paid Wyndham my maintenance due for XX/XX/XXXX DIRECTLY.
So instead of paying {$180.00} directly to Wyndham for XXXX dues, the money was still paid by my bank automatically to Barclays on XXXX, two days BEFORE the XXXX DUE DATE, which at the time, the overdue amount was only {$9.00} and NOT {$19.00}, as they reported to the Bureaus. And I ended up with a huge CREDIT BALANCE of {$160.00} since XXXX.
Yet, instead of reporting ( {$160.00} ) CREDIT BALANCE on my credit report, Barclays reported a XXXX balance, and they still did not remove the {$19.00} - 30 days late.
Meanwhile, in XXXX, I received a collection letter from XXXX which was when I found out that the {$180.00} should have been paid to XXXX instead of to Barclays, and when I called Barclays in XXXX to request for the REFUND OF MY CREDIT BALANCE ( the call was recorded ), they only refunded my {$160.00} in XX/XX/XXXX, AFTER HOLDING MY MONEY FOR MORE THAN 75 DAYS, AND NOT PAYING ME ANY LEGAL INTERESTS ( when they are charging me {$15.00} interests for a measly {$4.00}.
Because of Barclays FAILURE To Notify me of the suspension of my account due to a miniscule {$4.00}, I had to pay late fees and interests to XXXX on top of the {$180.00} even though the resorts were closed for 1-1/2 years due to Covid-19.
Because of Barclays false reporting to the credit bureaus re my account, my credit score plunged by XXXX points from XXXX ( EXCELLENT ) to XXXX ( XXXX ).
|
| 02/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
At some point in XXXX 2022, my AA Advantage Aviator Red Mastercard account issued by Barclays had the address changed without my permission. Shortly thereafter, two charges for {$5000.00} each ( {$10000.00} total ) and then another for {$2100.00} were made in XXXX 2022. Those charges were paid directly from my XXXX XXXX XXXX XXXX account. However, because the statements were not going to my house but instead to the address provided by the fraudster, I had no knowledge of the theft.
At some point in XXXX 2022, Barclays issued a credit card with a different number under my legitimate account to a fraudulent authorized user. Under no circumstances did I request or provide information allowing an authorized user to be added. The fraudulent authorized user is XXXX XXXX and the address she is associated with is the same address my account was changed to in XXXX 2022. XXXX then attempted to add XXXX XXXX as another authorized user but was denied. I opened a formal complaint with Barclay in XXXX 2022 after I was denied a car loan due to delinquencies on my credit report, which were caused by XXXX 's theft.
I spoke with Barclays multiple times inquiring about the investigation and the securities department at Barclays casually mentioned XXXX 's name stating she is a " known name '' to them. During the fraud at Barclays, XXXX also falsely acquired my XXXX card information and stole close to {$40000.00}. I have finally been reimbursed for those debits through XXXX but Barclays is not reimbursing me. It is important to note that XXXX also funneled monies to my credit cards from other banks, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX would make direct payments from these banks and then use the payments to make cash advances at XXXX XXXX in XXXX, Texas and XXXX XXXX in XXXX, Texas. XXXX has defrauded customers of each of these banks and used my Advantage Aviator Red Mastercard to funnel the funds to herself. I insisted Barclays give me all the information, including transcripts, indicating how XXXX was able to make herself an authorized user. Barclays nonchalantly indicated XXXX had my information and was approved as a user. Truly, the largest disservice besides the theft is that each time I speak to Barclays, I have to jump through hoops and security authorizations before Barclays will have a discussion with me yet a known fraudster was able to quite easily make themselves an authorized user. Barclays securities department is clearly lacking the ability to protect its customers.
In XXXX 2022, Barclays sent a letter addressed to XXXX XXXX ( this was the first time XXXX was used but my statements as well as background checks have the name XXXX XXXX ) to my home address. The letter stated the primary account was closed due to suspicious activity and pending further investigation. This was the same account I reported to Barclays in XXXX 2022. Again, this is evidence of the incompetence within Barclays organization that they are now addressing a letter to me using the fraudster 's name.
Barclays found fraudulent activity on my account and have not made any attempt to resolve the issue. Instead, I spend countless hours initiating conversations with them that are not helpful.
|
| 01/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Servicemember |
|
I used my Barclay mastercard to pay for an item online. I realized just as I hit submit that the site looked off and struck me as a possible fraudulent site where they steal your numbers and info. I elected to go to my credit card 's account and lock that card to keep it from being used in case of a fraudulent charge. It stated that when I locked it if it were to be used they would notify me. They did not. It was used, but they just removed the charge and didn't allow it to post. I happened to see it because I monitor my accounts daily. I reached out to them and confirmed the charge did indeed happen and it was on the locked card. I then filled out the fraud form so they could cancel the card that had been compromised and send a new one. Except what they sent was a letter for me to call them. So I called them XX/XX/2023. They told me they would have to call me to prove I was me. But they did not call my cell phone that is on the account. They called my spouse 's which is the secondary. They did not answer as their job does not allow them their phones while working. So they told me I had to answer public questions. They asked me what the nearest cross roads were to my home, but refused to explain if a T was considered a crossroad for them so I named XXXX XXXX within a mile radius to my home, but none of them were correct apparently. They then asked me to name the creek that flows near my home. There are 2. One crosses my property in the back and the other is to the west and I cross it when driving. I asked which one. They did not answer me and honestly I've never seen a name for either nor have I heard them called anything other than the creek on XXXX XXXX. The one on my property has never been talked about. I had to look up the plat info for the county to find the name for them. So then they tell me I have to provide to them my DL front & back. My utility bill in my name mailed to my address. None are, all are in email format and it is just an amount and due date. Everything is on auto bill pay from my bank. I explained that I don't get any utility bills mailed to me and most are in my spouses name as they pay the bills. I was told so sad too bad, they are shutting down my account because they suspect fraud and I must send them this information. I also must send them a copy of my bank statement which includes account numbers for accounts I have paid. I also am being required to send them a copy of my social security card front and back. I responded to a letter they sent, but I honestly feel like they are trying to steal my identity. I've had my XXXX card number stolen by a teen at the pizza shop and fraudulently used. I was never treated like this. They verified through information they had on file or that was in my credit report and sent a new card. I am seriously scared to death to mail all those items through the mail to them as my identity could easily be stolen then. And they refuse to speak to me to clear up whatever they think has happened with my card even though I am the one that took steps to ensure that the card was locked and not able to be used fraudulently. But now I'm being punished. They have even locked me out of my online account and I literally can't even pay the last bill as I pay it online.
|
| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to15 U.S. Code 1681a -Definitions ; rules of construction ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Reporting transaction history and utilization is illegalXXXXXXXX XXXX, and Barclays Bank Delaware have been reporting my transaction history since the opening of each account, to the credit agencies XXXX, XXXX, and XXXX, who then have been providing that information to everyone who has run my credit which is a violation of the FCRA. Please remove any reports of transaction/ utilization history from the credit reporting agencies, XXXX XXXX XXXX, and XXXX and update the report to reflect all accounts paid as agreed from this day forward.XXXX XXXX, and Barclays Bank Delaware , are all in violation for sharing this information. The Fair Credit Reporting Act 15 USC 1681 section 602 statesthat '' There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXXXXXX XXXX, Barclays Bank Delaware ( the financial institutions ) and the consumer reporting agencies, XXXX, XXXX and XXXX do not have my consent to furnish this information. I as the consumer have the right to make sure my private information isn't shared which is backed by15 USC 6801whichstates " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.Discover Bank and Barclays Bank Delaware are financial institutions under that title.15 USC 1681 section 604 a section 2statesthat " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : by the written instructions of the consumer to whom it relates. '' XXXX XXXX, Barclays Bank Delaware, XXXX, XXXX, and XXXX do not have my written consent to furnish this information via written or verbal consent. All consent to XXXX XXXX, Barclays Bank Delaware, XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, Barclays Bank Delaware, XXXX, XXXX and XXXX do not maintain reasonable procedures. All transaction history/ utilization are to be removed from the report and to no longer be reported. The reporting from the financial institutions XXXX XXXX and Barclays Bank Delaware on my report from here on out should be reported as Paid as agreed.
|
| 08/23/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I have been an XXXX XXXX cardholder for many years, during which time I have an excellent history of payments. I would receive email statements due to frequent issues with the mail in XXXX XXXX, where I live, and I also received text messages when the bill was due and if it was even one day late in processing. These multiple methods of notification assisted in maintaining my excellent payment history.
In XXXX, upon information and belief, XXXX XXXX switched from XXXX XXXX to Barclays as their credit card servicer. I did not receive any notification of the switch by mail, email, or text. I continued to send payments by check because I was unaware of the change.
In XXXX, I applied for a mortgage to purchase a home for me and my XXXX children. As a single mother, providing a home for my boys is of utmost importance. At the time of my application, my credit score was in the 720s. Last week, approximately XX/XX/XXXX, I was notified by my mortgage lender that I had a 60 day late report on my XXXX XXXX card through the credit bureaus. Until this time, to my knowledge, I had never been notified by Barclays of the change in banks, nor was I ever notified that the payment was late.
In the past week, I have tried many times to resolve this issue with Barclays. First, I made the required payments, with late fees, to bring the account current. I called and messaged, asking them to please remove the late report as an oversight due to the change in banks. They refused. Today, XX/XX/XXXX, I spoke for over 30 minutes to a customer service member asking for a letter stating that the Credit Bureau could remove the late notice on my report so that my score could go up and I could finalize the home purchase. They again refused because of their duty to report late payments. I explained that I was never notified, to which they replied that they sent letters, which was my notification. I told them I never received these letters and they did not attempt to call or email me. For further proof, I explained that I never activated the new card they supposedly sent me because I never received it. The agent on the phone confirmed this to be true. The agent also noted that there was a cease and desist on my phone number, which I told them I had never authorized. When the account was serviced through XXXX, they contacted me by text and phone, so I never authorized a cease and desist. The agent stated that many things got mixed up when the accounts transferred and to some extent hinted to other clients ' information being incorrect as well.
This account has been active since 2018. I have paid the balance to {$0.00} to avoid any issues with the company in the future ; however, considering the situation and how much data was inevitably incorrect when transferring the accounts, I felt the quick reporting as well as the unwillingness to work with me after I demonstrated overwhelming evidence that I simply did not receive the information was unwarranted. Barclays loses NOTHING by simply removing these late reports, especially in light of the facts surrounding the issue. But my children and I suffer due to an oversight in changing management, having lost the house we have been waiting on due to my now inability to qualify for the loan.
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| 03/22/2016 |
Yes |
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Web |
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I have been a card holder of the Frontier World Elite MasterCard in good standing for many years and have not had issues prior to XXXX 2016. In XX/XX/XXXX I received a notification email that my account was approaching its credit limit. This is concerning since I should have a relatively low balance on the account. Upon researching my account activity, XXXX consecutive {$2500.00} cash advances were posted on XXXX/XXXX/16 with correlating {$75.00} cash advance fees posting over the next 14 days. I immediately contacted Barclay to let them know these were not authorized transactions. They informed me that the charges would be reversed but could take 3 or 4 days to issue credits while their fraud team investigates. They cancelled that card and issued a new card. I activated the new card and activated more strict email notifications in an attempt to be informed sooner in case of recurrence. I began using the card again when I received another credit limit notice. This time XXXX more {$2500.00} cash advances and a money order were all charged to my account. Upon calling Barclay again they escalated the complaint to the investigation team who again cancelled the card and issued a new card. Before I could even activate the third new card, more cash advances were posted on my account. In frustration, I called to speak to an investigator who informed me this was in internal Barclay issue and that all cash advances on my account actually had the same approval code and their system is duplicating the same fraudulent charge over and over. I had the account put on hold, did not activate the new card, and reduced the cash advance limit to the minimum amount of {$1.00}. The Barclay investigator informed me that the issue has been fixed and it may take several weeks to sort everything out on my account. The cash advance fees continue showing up on my account through XXXX/XXXX/16 despite the account being on hold. On XXXX/XXXX/16, another cash advance adjustment was made and XXXX more {$75.00} cash advance fees posted on my account. At this point, I am extremely frustrated that Barclay is not able to manage the credit service they offer. I asked if I am the only Barclay customer being affected by this glitch and the investigator said no. I asked if they can provide me the balance owed on the card so I can pay it off and cancel the card. The investigator informed me that she did not know what the balance is and that I would have to wait for my statement and that it could take a couple months. In the meantime, I am afraid to activate the card that I need for business use and I am concerned that artificially high balances on my open end credit account are adversely affecting my credit score and my credit worthiness will be jeopardized by internal mistakes at Barclay. These mistakes are extremely disruptive and cause a lot of unnecessary anxiety for the consumer. This issue has other undesired effects on consumers like me who are attempting to qualify for a loan. While the timelines for resolution do not yet violate the Fair Credit Billing Act ( which I will monitor closely ), the Federal Trade Commission should be notified of the issues Barclay is causing their customers so this issue can be fixed permanently. Please help.
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| 01/27/2016 |
Yes |
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In XXXX XXXX, there were a number of unauthorized uses of my credit card-all to places in XXXX XXXX. A XXXX representative called me in XXXX to ask me about such charges and agreed that they were fraudulent, and that they would be taken off my bill. I paid the bill minus these charges. However, for several months after, these charges kept reappearing, along with penalty and interest fees. Each month I would call and speak with a representative who would acknowledge that I was paying the correct amount, the fraudulent charges and fees would be taken off. No representative knew about my prior calls so, obviously, nothing was entered in the system and I kept repeating the same story either to the representatives who answered the phone or to supervisors to whom I asked to speak.
In XXXX XXXX, I attempted to use my card and it did not go through. When I called, I was told that I had exceeded my credit line and that I had charged $ XXXX, violated my limit, and had missed my payment deadline. I told them that I had not done these things, and asked why the company would cut me off without notification of any sort that I was " late. '' They rudely told me they had notified me and I had not responded. I asked how they did so and they told me they have a record of someone calling and leaving me a message. When they told me the number they called, I told them that that particular number, which had been my land line, had been disconnected a long time ago. Then they said perhaps they had sent an email. I never received that either. These charges were all to XXXX company/companies and when one tries to go on the web site, one must speak XXXX to get through it.
Someone finally acknowledged that these foreign charges ( I think one was to XXXX also ) were fraudulent and explicitly told me to just pay my accurate charges, which I did. However, each month the fraudulent charges, along with penalty and interest fees, reappeared. I called more than once a month to try and make progress. Some supervisors ( I remember one in XXXX ) told me it was outrageous what I had been going through, and decided to waive the annual fee for all of the incompetency. Nonetheless, the charges kept reappearing despite assurances otherwise. On three occasions, I spoke with someone who said they " escalated '' this matter and someone would call me within 24 hours. Nope!
At some point, some of the XXXX XXXX charges and some of the XXXX charges were taken off. During one conversation, someone told me they would take off {$17000.00} of the {$26000.00} or so. How they picked that number is a mystery, since the total amount had been acknowledged by both sides as fraudulent.
In addition, I spoke with someone around XXXX of XXXX, when I could not log in, and we realized that someone had logged into my account. I never picked boxing gloves as a symbol and never had selected a question concerning a sister, since I do not have any siblings. Why the possibility of online hacking would not have been examined is perplexing.
The bottomline is that each time I spoke with a representative ( 20+ times ), they agreed that I should pay the amount equal to the total charges minus the unauthorized, which we reviewed together, and yet, they kept recharging me.
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| 01/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/XXXX I was charged {$2500.00} by XXXX, a company I used to do business with. I was a tenant for less than two years and charged my rent on occasion. I moved out in XXXX. I was a tenant at will and never had a lease or contract. I did not authorize the merchant to file my card, I did not have a contract, I did not receive any goods or services for this charge. I asked the merchant to refund the money, they kept coming up with reasons as to why not to that didn't make any sense, and that were not based in facts. I was paying for " storage '', " damages '' etc. None of which are true or were agreed to, and they certainly were not authorized to charge my credit card without my permission regardless.
I contacted XXXX XXXX Mastercard and filed a complaint with their Fraud department, then I was forwarded to Disputes. Over the course of communicating I have been given the wrong address once, and the wrong fax number once as well. I have been communicating with them since late XXXX via fax, phone and mail.
The merchant reversed the charge only to re post it in XXXX. XXXX XXXX Mastercard supposedly sent me a letter about this in XXXX. I noticed it on my XXXX statement and wrote them to an address they provided me over the phone. When I followed up in XXXX via phone, they told me the case had been closed due to lack of response by me, that they didn't receive the letter, and that they sent me a letter about it. I never received that letter and have been in regular monthly correspondence with the company about this matter since I noticed the charge back in XXXX. They did receive the letter after I faxed it to them twice, the first time they gave me the wrong fax number.
The merchant is refusing to refund the amount, I could press larceny charges and did already file a police report in XXXX. I don't want to escalate this matter to that level. I also don't want to wait for a small claims court date and settlement but will do so if necessary.
Since I didn't receive any goods, or services, nor did I have an agreement with this merchant, nor did I authorize them to file my credit card, this should have been a simple charge reversal in my minds eye.
The most recent communication from the credit card company states that they " are unable to override the merchant 's no refund cancellation policy that was agreed to when making the purchase. '' This is unacceptable as there was no purchase made, nor did i have a contract with, or receive any goods from said merchant. This is crystal clear in the documentation that I provided to the credit card company during the dispute process.
I'd like for the credit card company to reverse the charge as soon as possible, and if the merchant has any valid claims to that money, which I know they do not, they can pursue it with me personally.
The fact that they allowed someone that " filed my card without permission '' to charge it {$2500.00}, and dismiss the case due to an invalid reason is why I'm writing filing a complaint against this credit card company, I'm also contacting the local XX/XX/XXXX and filing a complaint against the merchant. I thought credit card companies had an obligation to protect their consumers against these kinds of actions from merchants?
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| 10/23/2015 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
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I received a call from XXXX XXXX XXXX XXXX regarding a credit card debt from XX/XX/XXXX. I didnt recall the credit card company at first & I informed them that any debts prior to XX/XX/XXXX were included in my bankruptcy. He then tried to convince me that " I '' was wrong or could be mistaking, I told him that I have my documentation and that I needed to locate it and call him back. He then told me that I had to find it while he was on the phone becasue if we ended the call without a resolution they would file a judgment. I told him they were being unreasonable to expect me to find paperwork over 6 years old while on the phone with him because I was getting ready for work as well. He then said " so what you are telling me is that you are not willing to take are of this debt willingly '' I told him no I didnt say that and asked him not to put words in my mouth. He went on to threaten me with a suit and judgment so I disconnected the call. I then contacted the attorney that filed my bankruptcy case but she was not in the office today.So I left messages with the receptionist. IN the mean time, I did locate my bankruptcy paperwork and called XXXX back with XXXX XXXX. I told him I have the XXXX that shows this. He asked me to send it that shows the full account number. I told him that it does not show the full account number. He then said that I could n't prove that that was the account in question and that I did n't have more than one account. I told him that was the only account that I had and that I ca n't do anything about the legal document not showing the full account number. He then threatened me again with filing judgment. I called Barclays the original creditor and spoke with XXXX ID XXXX & he verified by SSN that I only had that one account, that it was in listed as a bankruptcy & gave me the full account. I asked if they could give me some type of documentation, he said because they sold the account there was nothing that he could send me to help me but to contact them back, send them the document that I have, provide them with my bankruptcy case # and they have the legal obligation to verify it. I sent this information via email to XXXX at XXXX, he then called me back stating that it is my attorneys fault that they did n't file the full account number, the correct date or remove the fees from the amount and for these reasons they are going to collect. I told him I have verification that I provided to them as well as Barclays verified it. He then offered me a settlement amount saying to just pay for it to go away so that I wont have attorneys fees or so that it is n't on my credit. I told him that would be accepting responsibility for this debt which I am not responsible for. He threatened me with attorneys fees, court etc. I asked for a manager he stated he was one, I asked to speak to their attorney he said they do n't speak to consumers. I have provided them with all of the documentation as well as my bankruptcy case number to prove that I am not responsible for this debt and there is no resolution other than being told that I would be taken to court and have to pay as well as attorneys fees. He has admitted that they are trying to collect because the statute of limitations expire in XXXX.
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| 08/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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On XX/XX/XXXX using my Priceline credit card I made a one-week reservation to stay at a XXXX XXXX XXXX hotel in XXXX, S.C. from Tuesday XX/XX/XXXX to Tuesday XX/XX/XXXX. We arrived at the XXXX XXXX XXXX hotel around XXXX on XX/XX/XXXX due to a long flight delay. However, there was a NO VACANCY sign at the front desk and the person that came to the window didn't even ask if I had a reservation, didn't even offer an apology, she just gestured with her hand pointing to the NO VACANCY sign.
So, we had to leave the XXXX XXXX XXXX and find another hotel, fortunately for us we found a XXXX XXXX hotel that had vacancies, by now it was early morning Wednesday XX/XX/XXXX. So, after having been rejected by the XXXX XXXX XXXX, I decided to stay for the whole week at the XXXX XXXX. I called XXXX to let them know what had happened when we went to XXXX XXXX XXXX to check in and left a voice message, but they alleged they didn't receive it.
Fast forward to present, I have tried in vain to resolve this matter with Barclay 's the bank that issued the Priceline credit card. They asked me to provide them with a letter from the merchant XXXX XXXX XXXX stating that they had cancelled my reservation, I called XXXX XXXX XXXX and spoke with a manager who emailed me such letter and I forwarded it to Barclay as proof that the charges for the one-week stay are plain wrong. I also included a copy of the receipt XXXX XXXX gave me when I checked out on Tuesday XX/XX/XXXX as additional proof I'm being wrongly charged.
Barclay 's replied that the documents I provided are weak that they needed a letter from XXXX XXXX XXXX stating that the reason for cancelling my reservation was due to no vacancies for the night of XX/XX/XXXX. I called XXXX XXXX XXXX again and spoke to a manager assistant who told me that she couldn't provide such a letter because she wasn't the manager on duty that night. By now I have spoken to several customer service people from Barclay 's who told me they were going to escalate my issue with their billing disputes department, but nothing has happened, I was finally able to speak with XXXX different account managers who even though were polite and respectful couldn't really help me. I have reminded them that I'm a long-time customer of Priceline and of Barclay 's . Having always paid all of my bills amounting to thousands of dollars in full, but they just don't care about that, they are just trying to make me responsible for a debt I didn't incur and for which I'm not responsible. it was XXXX XXXX XXXX who cancelled my reservation not me. For me this isn't about the money, it's about the principle, to do what is right, I have been doing the right thing by being a loyal customer and always paying the debts that I have incurred and are legitimate. These XXXX characters, Priceline and Barclay 's are not really interested in doing the right thing because they continue to harass me demanding payment from me and had sent a negative report to XXXX that is damaging my good name and credit. Last month my XXXX XXXX was considered excellent XXXX but now is only a fair XXXX. I hope that you can clearly see who is in the wrong in this dispute and help me restore my good reputation and credit.
Sincerely, XXXX XXXX.
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| 11/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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I was looking to have a pole barn erected on my property. I looked on XXXX XXXX because I wanted to use a local merchant.
I found a company called XXXX XXXX. I spoke with others along the way but needed a building sooner than what was being offered since we had just moved into our new home and needed additional storage. I began speaking with XXXX a salesperson for XXXX XXXX on XXXX XXXX on XX/XX/2020.
On XX/XX/XXXX XXXX sends me what is called a line breakdown and deposit information. On XX/XX/XXXX I was sent a XXXX to complete deposit ofXXXX on my XXXX credit card. After viewing the document, I signed electronically and then received via email the copy of the signed document of went I immediately noticed it was a printed-off copy of the electronic file and he added at the bottom, NON REFUNDABLE DEPOSIT. This was not there when I signed the electronic copy and it can be seen when you view the page he sent as wavy.
The next day I called XXXX XXXX to see how long it would take to get a permit and they said they would need to see the drawings of the building to apply for the permit. I then called XXXX XXXX to ask for those drawings and they said I would have to wait for the WELCOME PHONE CALL. I asked when is this supposed to happen and they said 3 days. After the 3rd day and no so-called welcome phone call, I speak to XXXX XXXX who is supposed to be the owner. He proceeds to tell me to call this number and ask for the drawings. XXXX. I call this number and they said they have no information on an order for anyone by my name. Now Im feeling like I have just been scammed by XXXX XXXX. I call XXXX XXXX again and he tells me he is not responsible for getting me the building information and to call the number I was given. I told him what they told me and he said He can not build it for me. I said I want my deposit back and that I am going elsewhere since they can not help me with any information I have been asking for. He proceeds to tell me I am not getting the deposit back and I said Ill do a chargeback then. I immediately call my credit card company to begin the chargeback process. XXXX XXXX denies the chargeback by lying and saying I knew there were no refunds which is absolutely not true and can not be proven. No where on the XXXX page does it say there are no refunds on deposits. I begin to do research on XXXX XXXX and find 28 complaints in a year on the very same issue of people getting their deposit stolen and today there are 78 complaints in 2 years. I spent 3 months going back and forth with XXXX card and even after I sent multiple packets of information proving XXXX is lying and stealing the consumers ' deposits they still denied my chargeback. To this day they are hitting my credit report with a late payment. I was a long time customer with perfect payment history and they insist on ruining everything I have built to pay a scammer. I had paid XXXX what I owed them to the penny and closed the account and they are still hitting my credit report. On my XXXX and XXXX, I had XXXX year of 100 percent perfect payment history and now this is ruined. XXXX XXXXs is a scam. I want XXXX to go after XXXX and get back the money they gave them and remove all the negative remarks from my credit report.
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| 07/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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History of Dispute with Barclay Bank regarding chargeback of XXXX XXXX XXXX purchase and subsequent Non Delivery of goods.
XX/XX/XXXX, I entered into and signed a very professional contract to purchase a drive shaft for my XXXX XXXX for {$290.00}. USD with a XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. I thought this was interesting, a junkyard that incorporates contracts in its sales. I later find via XXXX maps that this is a residential address.
XX/XX/XXXX, XXXX charges my Barclay Card for {$290.00}. I have indicated the delivery address to be that of my mechanic who will do the installation. I have instructed the mechanic to keep an eye out for the delivery. This is a large shop employing 6 mechanics that receives multiple deliveries every day. I assume the part is coming from Delaware, the address on the contract.
One week to three weeks later, no part. I am told in no less than 17 phone calls and emails ( I have the dates ) that it's coming from their other yard in Oregon and ill have it tomorrow. I keep asking for a tracking number but they will have to get back to me on that. In the last week, they promise to refund my money, but this is just another stall tactic. No refund or part ever arrived.
Wednesday, XXXX XXXX, I call Barclay and explain the problem that I never received the goods or even a tracking number. They open a Case # XXXX XXXX and assure me that they will research this.
XX/XX/XXXX, I receive a letter from Barclay dated XX/XX/XXXX indicating they have reached out to XXXX. XXXX attached.
In the XXXX week of XX/XX/XXXX I received a letter from Barclay dated XX/XX/XXXX that indicated they attempted to contact me XX/XX/XXXX and XX/XX/XXXX with no success and for that reason can not continue pursuing my claim. I travel extensively so did not get this letter in a timely manner because Barclay insists on corresponding by US mail. The letter indicated if I have more information, please provide it.
Letter Attached.
XX/XX/XXXX, I write a letter to Barclay to emphasize previously supplied information. I indicate quite clearly that the essence of my case is simple non-delivery of goods and that no proof of delivery or even a tracking number has ever been offered. It appears to be a clear-cut case to me.
The basis of my appeal to the CFPB is that a tracking number and proof of delivery is essential to this case and should have been incumbent on Barclay to ask for this most obvious information from Day one. If they had we would never have gotten to this point. I suspect they were just awed by the contract. XXXX is obviously a criminal enterprise. They never had an intention of delivering any parts. It turns out I am not the only one with this problem with XXXX.
XX/XX/XXXX.
Barclay writes to me that they are not able to credit my account due to being outside of the permitted time frame. Barclay has had my appeal for over three months. Not a problem when they asked me to file the appeal. Letter attached Summary If Barclay had asked the merchant the simple and most obvious question on day one ; where is the tracking number and proof of delivery, this case would be closed. Can CFPB bring me any justice in this time-consuming mess?
Sincerely XXXX XXXX
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| 05/31/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XXXX Barclay 's has refused to intentionally review in full, this request for consideration to refund, despite sending each and every statement and the voucher as proof of monthly payments paid by me.
COMPLAINT regarding DISPUTE Case Numbers : XXXX, XXXX, XXXX, XXXX, XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX Dear Sir or Madam COMPLAINT I am writing to advise you that I am unhappy with the decision taken not to refund payments as requested in my prior letters dated XX/XX/XXXX and XX/XX/XXXX which are enclosed.
I booked my travel with a XXXX XXXX based company called XXXX XXXX XXXXXXXX XXXX XXXX number XXXX XXXX : XXXX. This company entered insolvency on XX/XX/XXXX. This has left many people, I included, out of pocket for future travel with them in XXXXThis initial tour was to take place on XX/XX/XXXX and was postponed as a result of Covid and the closure of International borders. Frankly, it was illegal to travel for tourism until XXXX did not fully recover after Covid, but prior to this it was an award winning and highly reputable company.
It was impossible for me to know that they would not follow through on the purchased travel commitment. I asked for a reimbursement but they refused citing they would honor future tours. I rebooked on XX/XX/XXXX for a XX/XX/XXXX Tour. XX/XX/XXXX ( three months later ) they placed my re-booked XXXX Tour on hold. Shortly after, XXXX sent a letter they were beginning closure of XXXX. Communication went silent after they placed my re-book XX/XX/XXXX on Hold and then they went bankrupt. This card and those transactions were purchased with intention towards travel, and no travel happened.
I appreciate that there are time-scales for refunds to be initiated, but I had no reason to believe up until XX/XX/XXXX that my tour would not be honored. I am part of an 800- strong group of failed customers who are working with a money advisor so I am aware that many financial companies including XXXX, XXXX XXXX XXXX XXXX, and XXXX have already made refund payments to XXXX customers.
These payments were made in good faith by me and I trusted in the fact that I used your companys card for a future travel event that I was covered in case of failure. Most importantly, I can prove the monthly payments from your monthly statements and these were not ever used for this promised tour.
On a personal level and due to their insolvency, I would find this refusal to refund my money devastating. I placed my trust in your financial institution and was certain you had measures in place to protect me as a valued customer in a case like this. I would be grateful if you could reconsider the position regarding my request and return funds to my account using the Chargeback mechanism. A {$250.00} voucher for XXXX tour and 9 proven monthly payments {$160.00} each. This total is {$1900.00} US Dollars. ( Particulars of Claim ) Priceline Barclays card is ironically touted as a Travel card, which makes this request even more profound and involving XXXX Travel Tour business failure and subsequent bankruptcy.
If you feel unable to do this please issue a written full and final response letter. I will then bring this forward to the Consumer Financial Protection Bureau.
Regards,
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| 09/13/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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On XX/XX/XXXX, I got a bill statement by mail from Barclaycard Visa with XXXX Rewards Statement with the total amount of XXXX which I never created or opened this credit card account with Barclaycard Visa.
In the statement, it shows there are three transactions were made as below without my knowledge.
XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX On the same date I got the bill statement, I called Barclaycard at XXXX to inform them that I did not open this account, and this is a fraud. Someone has used my identity to open this account and made purchases without my knowledge. I also reported this fraud to XXXX, XXXX, and XXXX to freeze my identity.
On XX/XX/XXXX, I got the letter from Barclaycard that they closed the account, and the dispute is pending.
On XX/XX/XXXX, I got the letter from Barclaycard that they completed the investigation, the fraud status is removed, and the account is reported to the credit bureaus is valid. I also called to inform them that I disagreed with the letter and requested them to do further investigation.
On XX/XX/XXXX, I reported this fraud to the XXXX XXXX Police.
On XX/XX/XXXX, I wrote and faxed the letter to Barclays to inform them that this a fraud and requested them to investigate it further. I continue to get the bill statement from Barclays with the above amount.
On XX/XX/XXXX, I wrote and faxed the second letter to Barclays to escalate this investigation since I'm a victim of the identity theft. I requested them to send me the copy of the credit card application and the ID of the person who used my identity to open the above account.
On XX/XX/XXXX, I got the letter from The Law Office of XXXX and XXXX who represents Barclays Bank Delaware to collect this amount XXXX from me. I called XXXX and XXXX law office at XXXX to inform them that I'm a victim. They requested me to fill out the " Identify Theft Victim 's Complaint and Affidavit '' and return to them with police report and my identification.
On XX/XX/XXXX, I faxed The Law Office of XXXX and XXXX the followings : - Identify Theft Victim 's Complaint and Affidavit - Copy of my driver license - The police report - My utility bill to show my proof of residency.
On XX/XX/XXXX, I got another letter from The Law Office of XXXX and XXXX informing me that they're in the process of preparing a lawsuit against me.
On XX/XX/XXXX, I wrote the letter and faxed the below to both Barclays and The Law Office of XXXX and XXXX to restate that I'm a victim of identify theft and requested them to take further investigate to remove the account from my credit line and stop collection activities against me.
- Identify Theft Report - Police Report - Notice to Furnishers of Information - Proof of Identity ( copy of my driver license ) - Credit report with disputed information indicated On XX/XX/XXXX, I got the letter from Barclays that they have reviewed the disputed information that we have provided and completed their investigation, and the account being reported is accurately.
Up till now, I still have not received any information that I have requested : Account application made on paper or online, photo ID and signature that are used to open the account, and investigator report.
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| 08/09/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am currently living in a hotel room. I could not find a rental so I was trying to buy a home but that fell through. My landlord is selling the home so I was recently served a 60-day notice. I can provide documentation. Barclays Bank has an account under my name. I disputed some of the charges on the account and asked for an itemization and never heard back from them so the account was charged off. The last payment was in XXXX, of XXXX. I was told by the person reviewing my credit that they wanted me to resolve some old credit issues so I contacted Barclays. Barclays could not find my account or any record of me having an account with them even after I gave them the information from my credit report. I asked them for a letter verifying that they had no record but they refused. This happened on 3 occasions when I called back. I tried to inform the proposed creditor that Barclays did not have any record of my account but they wanted a letter from Barclays stating no record but Barclays was refusing to provide it. I kept trying. Barclays would promise to call me back and never did. I asked them to cease and desist reporting the account if they can not find any record. Barclays refused to acknowledge my cease and desist and stop reporting it due to their lack of records.It appears their solution was to just not document anything on their end. I learned on XX/XX/XXXX around XXXX XXXX that no record of any previous calls were showing on Barclays records. In the previous conversations, I learned that they had sold my account and to whom Barclays sold it. I contacted the 3rd party collectors that company referred me back to Barclays. That company was XXXX XXXX at XXXX. That never came onto my credit. XXXX XXXX told me the account had been pulled back to Barclays several days ago. If I had never talked to them how would I have this information and history.
I grew desperate and I continued to call Barclays. I informed them that there were very few rental properties out there and that they were significantly impacting my life. I kept calling back and asking for a supervisor. I believe I have now called 11 times. Around the 9th call, they said they located my account, and despite my belief that there are fraudulent charges I offered to settle with them. I was that desperate.
Barclays told me it would take 7-10 days to let me know if they would accept a settlement. I waited 7 days and I called again. I just hung up with them today XX/XX/XXXX around XXXX. This time I spoke to XXXX XXXX who stated there were no records of any previous conversations and that I had to wait another 7-10 days.
They have never responded to my dispute and request for information in XXXX of XXXX, they have refused to cease and desist reporting when they could not find any record, they willingly continued to report the account, would not acknowledge they could not locate it. Barclays reporting to the major bureaus show they have updated the account on XX/XX/XXXX but none of this information was reported to the bureaus. It is my opinion they have violated fair debt collections statutes.
FCRA Section 611 Part ( A ) ( 1 ) FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre FDCPA Section 811 ( a ) ( 2 )
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| 11/26/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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My husband and myself ( XXXX and XXXX XXXX ) booked a XXXX XXXX XXXX ( " XXXX '' ) XXXX cruise for XX/XX/XXXX through XXXX XXXX XXXX on XX/XX/XXXX with my Barclay Credit Card. Our statement shows a cruise with XXXX Reservation for {$2400.00} had been purchased on XX/XX/XXXX. On XX/XX/XXXX, after being told that XXXX cancelled all the cruises booked by XXXX XXXX XXXX - owner XXXX XXXX - because of credit card fraud, we disputed the charges. After talking to XXXX and being told that what happened was fraud, we called and told Barclay that the dispute should be changed to fraud. I also reported the incident with the FBI, as instructed by XXXX. We were told by Barclay that because I gave XXXX XXXX XXXX permission to use my card it would only be a dispute. I disagreed. They would not change it to fraud. I did not authorize her to make any other purchase but the XX/XX/XXXX cruise with XXXX for me and my husband, as the signed contract stated. On XX/XX/XXXX, I spoke to Barclay 's for an update and was asked to supply further information such as a contract or anything else that I had regarding this situation. I provided to Barclay dispute department the contract, the credit card statement, the email from XXXX stating there was fraudulent charges, the invoice showing that my reservation number, etc. I explained to Barclay that XXXX XXXX took my credit card and booked a Hawaiian trip for her family in XX/XX/XXXX and that XXXX would not refund because it was a past cruise, but that XXXX stated it was fraud and for me to contact both my credit card company and the FBI regarding the fraudulent charges. I was told they were still reviewing the information and would have a decision shortly. On XX/XX/XXXX, I received a letter from Barclay stating that they had recharged our card for the {$2400.00} because XXXX said services were rendered. In that letter there was an attachment from an XX/XX/XXXX cruise for XXXX and XXXX XXXX - owners of XXXX XXXX XXXX using several credit cards, including my unauthorized card for {$2400.00}. On XX/XX/XXXX, I called Barclay and explained what happened to me was fraudulent. I signed a contract for a specific product, and I did not receive the product. She was not given permission to use my card for any other cruise then the one I signed the contract for - the XX/XX/XXXX XXXX cruise for me and my husband. She used the credit card for her family to go to Hawaii. It shouldn't be viewed as anything more than fraud. I should not have to pay for this product that I never received. Credit card fraud is when someone uses your credit card or credit account to make a purchase you didn't authorize. I did not authorize Ms. XXXX to purchase a XXXX cruise for XX/XX/XXXX. I was basically told that I could dispute this again, but the outcome would be the same. I was told it wasnt fraud.
I am not the only person who was scammed by XXXX and XXXX XXXX. Some credit card companies took those charges off for the consumer because the viewed it as fraud. My sister is one of those parties who had the charge wiped off her card and does not have to pay for a cruise for someone else.
I want this viewed as fraud and I do not want to have to pay for a charge that I did not authorize.
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| 09/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I used the XXXX website to rent a XXXX car from the XXXX, XXXX XXXX under the rental agreement XXXX for the amount of {$120.00}. The woman behind the counter kept pushing the damage insurance and I declined. After I had signed all of the paperwork at the rental office she refused to provide me with a copy of the rental agreement.
This included the paperwork where I would highlight damage to the vehicle. I asked twice in front of 3 colleagues. She refused and said it was not necessary. She told us the keys were in the vehicle and gave us a small card with the vehicles location in the parking garage. When we checked the vehicle out there was no one there to greet us or go over any prior scratches to the vehicle. As the vehicle was already covered with general wear and tear scratches we took a video of the vehicle and left the garage. The small scratches were already there.
When I returned to drop the car off the following day I asked the attendant to check us in. He said that we were good to go and kept directing traffic. We took a video and left.
After returning home I found a charge of {$570.00} on my credit card. I called my credit card company and XXXX XXXX XXXX case # XXXX.
After leaving a review that XXXX directed me to I received an email the following day stating that the damages have increased to XXXX Euros and to transfer the money to their bank account.
On XX/XX/2023 I returned to XXXX, XXXX and went directly to the XXXX XXXX XXXX and asked for a manager. I showed them the paperwork that I was emailed. XXXX employees XXXX and XXXX were able to produce timestamped photos every time a car leaves or returns to the parking garage. They, along with Manager XXXX XXXX, confirmed that I caused no damage to the vehicle. They printed a picture of the damage from the photograph dated XX/XX/2023 and timestamped XXXX. XXXX XXXX stamped and signed the picture. She printed an itemized bill in XXXX showing damages charged and a total.
I contacted Barclaycard several times regarding this matter, specifically on XX/XX/2023 to report it. My case was closed 45 minutes after I opened it. I contacted them the following week and was told to FAX in a VIDEO of the car. I was told to submit all documentation through fax or through the US Mail. This would take longer than 45 minutes to resolve. After flying back to XXXX I faxed 20 pages showing the itemized receipt, timestamped photographs, and the email from the XXXX Manager in XXXX. Two fax numbers didn't work. On XX/XX/2023 I called another dispute resolution specialist in the XXXX confirmed that they received it. The resolution specialist stated it would take 7-10 days.
On XX/XX/2023 I called Barclaycard Mastercard Dispute Resolutions. The resolution specialist stated that I had received a phone call from a manage already today. This was not true. She stated that the case was closed on XX/XX/2023, when I first reported it, and I was now past the timeframe for resolution. I asked to be transferred to a manager and was denied. I asked to be transferred to Account Closures. I spoke to XXXX who stated I was to receive a phone call today from dispute resolutions and she would add notes. I am getting the same runaround. Please help.
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| 09/06/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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My complaint is regarding a recent system update that went wrong at Barclay Card and the strong inconvenience and embarrassment this had. Most importantly, it left my son stranded at college without the ability to get groceries ( which is even more frustrating and concerning, as the card is a rewards card, where the rewards are used to save money for college ). My intent is to alert the CFPB to a Know Your Customer issue and a potential Unfair Deception Act or Practice ( UDAAP ) issue that Barclays is having.
My card and my husband 's card was declined multiple times ( 5x ). We thought this odd since we pay our balance in full each month. I called Barclay 's on XXXX and was told that 1 ) the card was blocked because of a XXXX verification that was needed and 2 ) Barclays had sent me multiple requests to validate information but as a result of me not responding the card was blocked until I could verify the information. For the first item, I provided the verification information during the XXXX call ( I've been a customer since XXXX and nothing has changed at all with my information ). The representative told me to call back the XXXX department on Monday ( as they are closed on weekends ) to make sure that the verification went through, as it could take 7 - 10 days to process. Regarding the multiple letters, I expressed that I had not received any letters asking for my information. The agent could not identify any letters that were previously sent.
On Monday, XXXX I checked my email and saw that Barclays did send one email on XXXX referencing previously sent verification requests ( of which I received none through the mail or email ) and that they were blocking my account. That email contained a link to verify my information. When I clicked on the link, it took me to my online account ( which is not showing that my card is blocked ). There were no messages on line or link to update my information. Nonetheless, I went into my profile, clicked edit, did not change anything ( as it was accurate ), and clicked submit.
I also called the XXXX department on Monday. After being on hold for 1 hour and 10 minutes, I hung up and called customer service. I spoke to an agent named XXXX who told me 1 ) my account was not restricted / blocked, 2 ) I still could not use the card because there is a XXXX system update that went wrong and customers can't use their card, 3 ) multiple customers are impacted, 4 ) she had no timeframe on when this would be fixed, 5 ) there is no way for me to tell when the account is unblocked except to try it at a merchant to see if it is declined.
It's important to also note that, given that the card 's purpose is a XXXX savings reward card, this is the card I provided to my son who is at college to purchase groceries, etc. Not only is Barclays having a problem with their XXXX system, I feel that blocking the usage of my account for an extended, undefined timeframe for something that I didn't receive sufficient notice about, raises to the level of a UDAAP concern. As a customer, I have a reasonable expectation that I can utilize this card as long as I abide by my customer agreement ( e.g., pay the balance ).
Thank you for your consideration.
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| 10/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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On XX/XX/20 I received an automated phone message from XXXX Support stating my XXXX XXXX account had been blocked because of a breach on the account. Press 1 to speak to a support technician. I followed the prompt and was put on a brief hold and transferred to a man who identified himself as XXXX XXXX. I explained the reason for the call and he said he could fix the problem. He did a remote diagnostic on my computer and showed me the results which showed 83 breach attempts from different locations. He explained it was above his paygrade and needed to bring in the big guns, so he transferred me to XXXX, who said don't worry we can fix this. However with the covid 19 thing going on I can't send you to the XXXX store to fix this, because they are closed. You need to buy a XXXX Gold gift card and we will use that to remove the breaches. Don't worry, this won't cost you a dime, as soon as the breach is removed the money will be refunded to the card used for the purchase. The first purchase was for {$500.00} and as soon as I gave the numbers to him I received a Refund Receipt from XXXX in my email. The attempt removed 10 breaches and he instructed me to purchase 4 more cards which I did because I read the receipt from XXXX which explains the money will be refunded. I purchased 4 cards at XXXX for {$2000.00} and received the refund receipt from XXXX. They removed 40 breaches, so we needed 4 more, I went to XXXX and when I tried to use my credit card it was flagged as possible fraud so I responded using my phone and cleared the warning. I bought 2 of the cards for {$1000.00} and then made a second purchase for the next 2 but the fraud alert came up again. This time it had to be cleared by talking to a person at the card company. My wife had to make the call because it was her card, so while I was waiting I gave XXXX the numbers for the cards I had purchased, and got a receipt again from XXXX for the {$1000.00}. My wife called me back along with the representative from BarclayCard Company to tell me the call I was on wasn't really XXXX and I was being fooled and not to do anything more with them. I argued that it was XXXX and explained what we were doing and the receipts, but he convinced me to hang up with them and call XXXX back on a number published by XXXX. I ended the calls and called XXXX to find it wasn't them I had been dealing with.
I filed a police report and called to file disputes with both credit card company and my bank for the debit card {$500.00} purchase. I sent a letter to each one to explain how this happened and copies of the police report and copies of each of the XXXX Refund Receipts.
My bank found in my favor and refunded money.
XXXX XXXX is still investigating my case.
BarclayCard has denied my dispute saying I need to take the dispute to XXXX.
I called my case manager at BarclayCard to explain that XXXX wasn't involved it was a fraudulent call, and they are the ones that told me it was fraud! But they say they have done all they can and I have to talk to XXXX. I asked how they can come to that conclusion when my bank had come to a different conclusion. They didn't have an answer for that.
Can you help me make my case with BarclayCard Company?
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| 07/28/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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On Friday XX/XX/XXXX, I called customer service two times at different number to inquire how to activate the Account Protector services with reasons do to unemployment. The CS numbers that I called were XXXX and XXXX.
The first customer service representative @ XXXX referred me to XXXX XXXX XXXX XXXX @ XXXX and stated that Barclay did not offer services for unemployment and disability.
The second customer service representative @ XXXX stated that she searched for the information and nothing came up regarding services that would assist with customer 's becoming unemployed and assistance with payment options due to unemployment. I stated the information from the website and the service name from the website and the CSR stated that she nothing showed and she was not aware of any services like that.
I informed both CSRs that when I applied for the card that I was offered the services and selected to opt into the service and that I have sense activated this with other credit cards.
Here is the website address and included the information from the website.
https : //www.barclaycardus.com/XXXXXXXX Summary of Important Program Terms Account Protector is OPTIONAL. Whether or not you enroll in Account Protector will not affect your application for credit or the terms of an existing credit card agreement you have with Barclaycard.
There are eligibility requirements, conditions and exclusions that could prevent you from receiving benefits. For example, you must be employed in a full time ( 20 hours or more per week ) non-seasonal occupation as of the date of loss to be eligible for the unemployment benefit. For disability benefits you must be unable to work at least 14 consecutive days. To qualify for the natural disaster benefit, there must be at least {$500.00} of property damage for the three month benefit and your home must be uninhabitable for 30 days to qualify for full balance cancellation. You may use a three month life event benefit only once every 12 months. You may use the payment holiday up to a maximum payment of {$300.00} and only once every 12 months.
The fee is XXXX cents per {$100.00} of your outstanding account balance on the monthly statement closing date. If you have a balance on that date, you will be charged for the Account Protector coverage, regardless of whether you pay your balance in full or carry a balance from month to month.
Before you are required to pay any Account Protector fees, we will mail you the program terms as well as additional information, including a copy of the Account Protector addendum to your Cardmember Agreement You should carefully read the information we will send you for a full explanation of the program.
You may cancel at any time by calling ( XXXX ) XXXX. This phone number will also be provided in your enrollment materials. You will receive a full refund of any fees charged to your account if you cancel within 30 days of enrollment.
To be eligible for the unemployment benefit you must be employed in a full time ( 20 hours or more per week ) non seasonal occupation as of the date of the loss. If you are currently unemployed, disabled or retired, the Account Protector product may not be appropriate to your situation.
Close
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| 06/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I have been attacked by XXXX XXXX Nationals working at Financial Institutions and Banks. This month I have been the victim of racially motivated attacks by Barclays Bank and XXXX XXXX XXXX employees resulting in the theft of money from my XXXX XXXXXXXX XXXX account ending in XXXX. The hate crime also resulted in false credit reporting by Barclays Bank which misreported the Balance for my Credit Card and falsely and negatively impacted my Credit Score.
Summary of Theft and Financial Hate Crimes by Barclays Bank and XXXX XXXX XXXXXXXX XXXX ) On XX/XX/2023 I made two payments to Barclays Credit Card XXXX Card ... XXXX. Payment XXXX {$1000.00} Confirmation number XXXX Payment XXXX {$660.00} Confirmation number XXXX The two most recent payments to Barclays Bank totaled {$1600.00} on this day but I believe there is a history of this that exceeds {$20000.00} USD in stolen money for me alone and this type of activity results in the XXXX XXXX XXXX stolen from other XXXX and XXXX customers like me impacted by this type of payment fraud.
XXXX ) On XX/XX/2023 Barclays Bank sent an email confirming they had successfully received the payments ( see attached ) XXXX ) The Total of the Payments successfully made to Barclays that month were posted on my Account Summary ( see attached ) XXXX ) The {$1600.00}. was deducted from my XXXX XXXX XXXX Account XXXX ) Mysteriously on XX/XX/XXXX Barclays Bank said they " Returned '' the Payments they received from XXXX XXXX XXXX ( see attached ) with the reason code " Unable to locate external '' even though the account was validated at the time of setup.
XXXX ) I received no email from XX/XX/XXXX, to XX/XX/XXXX indicating any account wire transfer issue or a Return of Funds XXXX ) On XX/XX/XXXX I noticed that XXXX XXXXXXXX XXXX had suspiciously Deleted all Transaction history in the account used for payments between XX/XX/XXXX and XX/XX/XXXX. Even though Barclays Bank claims to have " Returned '' the funds they received from XXXX XXXX XXXXXXXX.
XXXX ) The {$1600.00} paid to Barclays is missing from my XXXX XXXX XXXXXXXX Account and has not been credited on my Barclays Bank Credit Card. This money has been stolen.
XXXX ) When I requested the ACH and/or EFT Wire Transaction Details for the Transaction Barclays refused to provide these details for research.
XXXX ) As of today, the Barclays Credit Card Statement Summary is not Correct. The payment transactions made are listed as " Returned '' but I have not been received any funds returned even though Barclays did confirm receiving the payments- please investigate this coordinated theft and hate crime on me, a XXXX Credit Card holder I have requested the Wire details on several occasions and Barclays bank has refused to provide me with these details for investigation and research on the missing funds.
Reference : Unable to locate external Account ... XXXX {$1000.00} ON STATEMENT AS Unable to locate external TRANSACTION DATE Thursday, XX/XX/2023 POST DATE Tuesday, XX/XX/2023 PURCHASED BY XXXX XXXX Unable to locate external Account ... XXXX {$660.00} ON STATEMENT AS Unable to locate external TRANSACTION DATE Thursday, XX/XX/2023 POST DATE Tuesday, XX/XX/2023 PURCHASED BY XXXX XXXX
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| 02/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Privacy issues
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Web |
Older American |
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On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Barclays violated the Privacy Act and divulged my personal, private and confidential information to an unauthorized individual.
On Friday XX/XX/XXXX I received an email from Barclays Bank stating the information I requested was attached. Since I did not request any information I called Barclays. I was told that XXXX XXXX requested statements from XX/XX/XXXX and Barclays sent them to XXXX. I told them that was illegal because he is not on the account. The account is mine name only. I was told he provided my social security number and my date of birth. They acknowledged they should not have released the statements to him.
This account was closed on XX/XX/XXXX and paid in full by me on XX/XX/XXXX. I informed them I would be writing a letter and holding them responsible.
I than called Barclays again on Sunday XX/XX/XXXX to lodge a complaint with the fraud Dept. and the Fraud Dept was closed and I was told they only handle fraudulent charges. I spoke to XXXX id # XXXX and requested a copy of phone conversation with XXXX they could not pull up the call and told me they would not be able to give it to me even if they had it. I was transferred to manager XXXX id # XXXX I was told she also could not pull up call but it is in file that XXXX XXXX requested all XX/XX/XXXX statements and they were sent to XXXX. I request either an email or letter stating that they were sent to him but was told they could not do that. I told them that I have an injunction against him and that they were putting my safety at risk. That he could be tracking me and that the statements are my private business. Barclays knows they are wrong and I told them I am holding them accountable for this violation of my privacy rights.
I was told a senior supervisor would call me within 24 hours to discuss what will be done and have yet to hear from Barclays.
I spoke with XXXX ID # XXXX and she confirmed that XXXX XXXX contacted them 3 times in XXXX to get information : XX/XX/XXXX XXXX XXXX was told he needed power of attorney XX/XX/XXXX XXXX XXXX inquired about the balance and was told by Barclay employee it was paid off XX/XX/XXXX Barclay sent all of my XXXX statements to XXXX XXXX via email On XX/XX/XXXX I spoke to XXXX ID # XXXX and requested copy of the phone conversations and was told I could not have it. Manager XXXX ID # XXXX spoke to me and informed my it was in the Barclay file that XXXX XXXX requested statements and it was emailed to the email address he gave them.
On XX/XX/XXXX spoke to XXXX ID # XXXX and requested to speak to a senior supervisor and was told she would call me within 24 hours Case # XXXX. On XX/XX/XXXX I spoke to XXXX ID # XXXX and listened to the recordings ( actually heard Barclay employees violating the Privacy Act ) and was told she could do nothing and I should report it to the police. On XX/XX/XXXX I contacted Barclays and spoke to XXXX ID # XXXX and he gave me the complaint # XXXX and said a senior supervisor would call by XX/XX/XXXX and as of today XX/XX/XXXX I have yet to receive a call.
Barclays have not only violate my personal, private and confidential information, they have put my personal safety at risk!!!!
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| 06/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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The following letter was sent to Barclay 's on or about XX/XX/XXXX, and they failed to respond, or otherwise rectify my complaint : In XX/XX/XXXX, I was made aware of a discrepancy with respect to the balance on my Barclays credit card ( Account Number ). Upon further investigation, I discovered a multitude of charges between XX/XX/XXXX and XX/XX/XXXX that we did not make, resulting in a balance of approximately {$4500.00}. The balance should have been approximately {$2000.00}.
In an effort to rectify this issue, my wife ( with my permission ) called customer service at the end of XX/XX/XXXX and had an unpleasant conversation with a customer service representative. The representative was more interested in disputing our contentions then she was in getting us to the right department to handle the matter. We were only able to convince her that our claims were legitimate when we explained that several charges were incurred out of state while we were on a mandatory quarantine and confined to New York State due to Covid-19.
Ultimately, we were transferred to the Fraud Department and went through every charge in the relevant timeframe, disputing multiple charges that clearly werent ours. The Fraud Department promised to investigate.
Shortly thereafter, we received a letter from Barclays indicating that our claims were substantiated. However, upon inspecting our bill and noticing that our minimum monthly payment had not gone done, we inquired again. Apparently, only a portion of our claim was substantiated.
We asked again for all of our allegations to be investigated. We then received another letter in XX/XX/XXXX and a phone call indicating all of our claims had been substantiated, but it would take up to three months to see changes to our account. To date, no changes have been made to our account balance or the minimum payment due.
In summary, I uncovered fraudulent charges that Barclays admitted were improper, yet nothing has been done to remove the fraudulent charges from our account balance. We even cancelled our credit card in XX/XX/XXXX and have not activated our new replacement cards for fear that we would again be victims of fraud.
I have been very patient waiting for Barclays to finally conclude their investigation and remove all fraudulent charges that appeared between XX/XX/XXXX and XX/XX/XXXX. It has been over a year since this issue was brought to the attention of Barclays, and seven months since they informed us that the fraudulent charges would be removed. This is unacceptable.
Therefore, I expect Barclays to remove all fraudulent charges from my account immediately. There is no excuse for this lengthy delay, which has entirely been to my and my familys detriment during a global pandemic. Failure to do so could result in me contacting the NYS Office of the Attorney General, the Federal Trade Commission, and/or the Consumer Financial Protection Bureau.
I will only accept a written response to this correspondence, at the address indicated above.
Finally, I would ask that each payment made since XX/XX/XXXX be audited and any portion of each payment necessitated by the fraudulent charges be applied to the ( legitimate ) principal balance.
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| 01/20/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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I reviewed my consumer credit report and observed accounts that did not belong to me.I contacted my local police precinct and filed an identity theft report.I notified each company that corresponded with each frraudulent accopunt and I notified the credit bureaus as well.I sent notice to Barclays Bank that they had an account that was reporting negatively in my name and asked that they do an investigation into this matter and I provided them with a copy of my police report as well documents verifying my identity.They did an investigation and said that they " Verified '' that the debt belonged to me.I then requested via letter through certified mail that they provide me proof to support their claim that I owed a debt.The documents I requested are as follows : 1. Who or what is the current legal owner if the debt? If your company is the owner then provide proof of the proper transfer of the debt to your company.
2. Does your company have the original paperwork that established and created the debt? If so then please provide it.
3. Who or what is the name and address of the original lender of the debt? What is the date of the origination of the debt?
4. Provide a copy of all written agreements that established the debt. Provide a written copy of all written agreements signed by me as it relates to the debt.
5. Provide me a list of all owners of the debt, including the date of transfers or assignments of the debt.
6. Provide a written statement in which you declare that the applicable statutes of limitations have not run out on this debt thereby establishing you are legally entitled to collect the debt.
7. Provide an accounting of all payments of made against the debt and an accounting of all fees, charges, costs, legal fees, penalties, and interest charged because of the debt.
8. Provide a verification or copy of all legal papers filed against me in an effort to collect the debt, including any judgment that has been obtained against me as it relates to the debt.
9. Provide proof that you have filed all necessary paperwork with the appropriate agencies that allow you to collect a debt in my home state or my home city and include your registration and/or license numbers.
10. Provide each and every time your company has filed a report with any of the credit bureaus as it relates to the debt on my consumer credit report. Provide the exact content of each report filed with any of the credit bureaus as it relates to my consumer credit report.
11. Provide any and all tax related documents filed in regards to this debt including but not limited to any 1099 OID or 1040v forms.
However instead of providing me with these documents I was sent statements pertaining to this account which was not what I requested because statements do not validate or verify an obligation to pay a debt.I was also sent notice from a third party debt collector in conjunction with the notice I received from Barclays Bank whom the original debt was sold to.
Barclays Bank is in violation of several laws including but not limited to : 15 USC 1692 ( c ) 15 USC 1692 ( d ) 15 USC 1692 ( e ) 15 USC 1692 ( f ) 15 USC 1692 ( g ) 15 USC 1692 ( j ) 15 USC 1681s-2 ( a ) ( 1 ) 15 USC 1681c-2
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| 05/05/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
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Updated complaint, prior complaint is XXXX I received the response from Barclay bank, from XXXX XXXX, on XX/XX/XXXX. In the response to my complaint there is a statement made that is incorrect.
The part of his response was : " On XX/XX/2020, you spoke to one of our representatives who remediated by enrolling your account and scheduled your first payment for {$380.00}, which posted on XX/XX/2020. Also, the representative advised you that once you made your last payment, a settlement completion letter would be sent to you. During that call, the representative read the disclosure, and stated you had the second payment for XX/XX/2020, for {$380.00}, which would complete your settlement. The representative asked if you wanted to schedule the second payment ; but, since you wanted to use a debit card, we advised you that we wouldnt be able too, as it would be applied immediately. The representative advised you there was no second payment scheduled to be debited from your checking account. Also, in your complaint, you stated that you specifically asked that you would not need to call back to make the second payment, unfortunately, we are unable to substantiate your claim. '' I checked the bank that the payment was taken from, and it was NOT taken by card. But rather it was taken as a direct debit, meaning I gave them my account and routing number over the phone when I spoke to the agent. This was the piece of the response that was supposed to address why my payment was potentially mishandled, but in that response there is false information. I did NOT pay by card. I asked if I could pay by card, but when she told me that I could only schedule the one payment by card I then asked to have it a direct debit from my checking account.
I'm unsure why I still haven't been provided a transcript or recording of the phone call, because as I've dealt with before, I am again not getting a straightforward answer.
This was regarding a settlement that is now allegedly invalid, which I believe is due to Barclay mishandling the payment. They mishandled the payment the first time I spoke with them, so I don't think it is unreasonable to like proof that they handled my second call to set up payments. I again am requesting a transcript or audio file of the two phone calls, and will not pay anything other than the previous settlement, that I believe is still valid due to their mishandling of my payment.
I tried to contact XXXX XXXX on XX/XX/20 and today XX/XX/20, but his line goes directly to voicemail. I am NOT content with a pause to payments being the resolution offered, especially since there was false information in the response. I would like for my issue to actually be addressed this time, as I believe the response contained false information, causing me to doubt the validity of the whole response. Again, this could easily be settled by allowing I, the consumer, to be able to hear the recording to substantiate the claims that you are making.
I sent a certified letter to the dispute department of Barclay bank as well, and I am still waiting to hear back from that. From the certified mail delivery, they took delivery of my dispute letter today, XX/XX/20 at XXXX XXXX.
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| 04/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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When getting a Jet Blue credit card I was lead to believe that any purchases made on this card would be protected from sellers not fulfilling their side of the transaction, such as not sending the product that was paid for. This seemed like an appealing promise as shopping on the internet can be scary and it is nice to feel that your credit card company will protect you. In this case, not only did I buy from a company that had a good reputation, but I bought from a company that I had purchased from many times before. I am not a reckless internet shopper.
As background, the issue revolved around a purchase on the JetBlue Barclays Mastercard in XX/XX/2021 for {$380.00}. I purchased a bird ( a XXXX XXXX XXXX ) from a vendor ( XXXX XXXXXXXX XXXX ). The typical order fulfillment timing for a bird is usually 3-6 months. This means that the bird will not be delivered to your house before 3 to 6 months after having been paid for. So you can not determine if the XXXX XXXX has failed to fulfill your order before 3 to 6 months AFTER paying for the bird. Additionally, since it was during the covid pandemic, the XXXX XXXX subsequently informed me, after I had paid for the bird, that there would be further delays in fulfillment. In December, I was informed by the XXXX XXXX XXXX that the company had closed and I would have to work with my credit card company to get my money back since the bird was never delivered.
I was not concerned as I knew that I had purchase protection with JetBlue Plus Mastercard so I felt confident that Barclays company would see that this as a fair and reasonable refund request. I have not made these types of claims previously and would be what you would consider to be an excellent customer with an excellent credit rating. Plus, I contacted Barclays Jet Blue customer service within 60 days of learning from the XXXX XXXX XXXX that the XXXX XXXX was closed I was shocked to learn that the claims were denied because the policy would have required that I submit my claim within 60 day of the billing statement date. Clearly that would have been impossible for me to do given the nature of this transaction. Even more so given the pandemic supply chain conditions. We called JetBlue Barclays Mastercard customer service line and also sent a follow up letter to further explain the situation. This was to no avail, the people responding are clearly not listening or empowered to address what feels like a clear example of a company not providing us with the services we paid for.
Its precisely situations like this that I use a credit card to make my purchase to protect me from unforeseen and unfortunate circumstances where I am not receiving products or services promised. So to be told that a policy that clearly doesnt make sense is the reason I was not to be reimbursed feels unfair. I also believe that the bank has much more leverage to claim the money back from this vendor.
Despite my best efforts to explain the situation, Im getting what I feel is a standard and inappropriate policy response thrown back at me. I believe the treatment is inconsistent with the high quality of customer service and fairness which I have come to expect from JetBlue.
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| 08/23/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I wanted to reach out because we are having extreme difficulty with Barclay. I sent a certified letter to them a couple of months ago. They did respond, but their response did not match the dates or the information that I sent. Our bottom line is to come to agreement on eradicating the balance and fix the negative reporting they have on the account. I have attached the letter I sent to them. Any guidance on next steps would be appreciated as we are at a loss with what to do and this account has devastated our credit score.
This is what I sent to them : This letter is to serve as a request to remove the debt collection and amount of {$3200.00} from a disputed charge on account -- -- --. Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also, be advised that I am keeping very accurate records of all correspondence from your company.
In reference to the above account, I have spoken to individuals at Barclays and at XXXX XXXX XXXX over a series of phone calls over the past 2 months regarding the dispute. In each call, reference from the individuals has pointed to being able to resolve this dispute. Additionally, individuals have spoken with me and said that someone would be in touch with me from Barclays. However, nobody ever contacted me which has resulted in weekly phone calls to Barclay to resolve the dispute. Most recently, I spoke with XXXX XXXX in XXXX XXXX XXXX to resolve the dispute. He indicated he would send the dispute back to Barclays and said that someone from Barclays would be in touch with me. Two weeks later, I did not hear from anyone at Barclays. On XX/XX/XXXX I contacted Barclays to ensure the dispute was finally resolved and removed from my credit report. I was informed during this call that the dispute was sent back to XXXX XXXX XXXX from Barclays. I find it unprofessional that Barclays responded to the dispute without any contact directly with me, the customer. I am even more perplexed by the response due to the numerous calls I have had with Barclays representatives apologizing and assuring me that the dispute will finally be resolved. I understand that the failure to report to me that the dispute was unfounded
may be in violation of the Fair Debt Collection Protection Act. As of today, I am asking for
a final resolution to this dispute that began in XXXX of XXXX. I was told that the disputed result would be removed from the balance of my credit card. As you can see, the remaining balance on the credit card is in the amount of {$3200.00}, the disputed amount. I have attached copies of the verification from the bank and Barclay regarding the dispute in XXXX. I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency or reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgement without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.
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| 12/05/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American, Servicemember |
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My problem is with a company called Barclaycard.
Their mailing address is : Barclaycard US XXXX XXXX XXXX XXXX, DE XXXX My account was hacked at least 4 times over a 2 or 3 year period. Several times the charges were from a travel agency of some sort. This information was on my statements. Every time this happened I would call them and inform them about the fraudulent charges and they would remove them from my account. Every time this happened they would cancel the card and send me a new one with a new account number. I would in turn have to notify every merchant/vendor that I used this card for payments and give them the new card number. I became weary of this process.
On one occasion they removed the charge but then put it back on the same day. Once I discovered this I called and they removed the charge again. This charge was for {$1400.00}.
This all occurred in XX/XX/2018. That is when they removed the charge and put it back on and removed it again. Now they say I owe {$1400.00} because the account was credited twice, which it was because they removed the charge, added it back and then removed it again.
On another occasion I had some reward points to cash in but found out that the account had once again been compromised and they sent a check to someone in New Jersey.
I finally got tired of the problems and obtained another credit card from another provider ( XXXX XXXX ) and I called Barclaycard to find out my final balance so I could pay it but was informed that I had a credit for around {$200.00} for which they mailed me a check. Once the check arrived I closed the account. I don't have any documents to support my claim.
I closed the account in XX/XX/2018 and in XX/XX/2018 they sent me a letter saying that I still owed them {$1400.00}. I called them and the representative told me the charge was from a travel agency. I was left with the impression that this would be corrected. Now the charges all say " Barclay Rewards ''. There is no record of charges from a travel agency.
When I received another letter trying to collect {$1400.00} I called them again. I have spent many, many hours on the phone trying to resolve this issue. Now they say they can't find any record of a charge from a travel agency. Now they say the charges are from " Barclay Rewards ''. I asked them to send me some statements which would have covered the period in question and there is no mention of a charge from a travel agency. The charges all say " Barclay Rewards ''. It is as if they have gone and removed all traces of the charge from a travel agency.
On my last call I was transferred to a supervisor and then to a higher level supervisor who said she removed the charge and that I had a XXXX balance. I think she lied to me just to get me off the phone because she was tired of listening to me.
A week or so later I received a letter saying that I still owe this money.
I don't know what else to do ; If I don't pay the bill it will affect my credit report but I don't want to be bullied into paying something that I don't owe.
There is something seriously wrong with this company. I have never had a credit card hacked before or since my experience with Barclaycard.
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| 06/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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From : XXXX XXXX, Card ending:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA , XXXX To : XXXX XXXX XXXX The Office of the President Dear XXXX XXXX , I do appreciate the response you sent in regards to my complaint to XXXX XXXX XXXX and Consumer Financial Protection . However, your response does not address main concerns around systematic errors on Dispute Department, lack of professionalism on their and yours part and discrimination against myself as a client by not opening and investigating disputes properly. In accordance to Fair Credit Billing Care Act I have a right to dispute charges for goods and services you didn't accept or that weren't delivered as agreed ( https : //www.consumer.ftc.gov/articles/0219-disputing-credit-card-charges ) You have stated in your letter, that you conducted a thorough investigation and found that XXXX is a solely billing company. This is not accurate, XXXX are not only providing billing but they are also a portal for user for content creation and distribution. This is how I was supposed to receive my custom videos. This information about the merchant is available on their website, as well as other trusted resourses. Please see support below : What is XXXX?
XXXX is a very powerful and useful tool for XXXX, fitness trainers, models, content creators, public figures and influencers. See this page for more information : XXXX the social network of Users operating on the Website which enables Users to provide and view User Content and where appropriate, utilise XXXX Interaction ; Refund the return of monies to a XXXX after a bona fide dispute, often issued prior to a chargeback ; User Content or to use XXXX Interaction which is subsequently subject to a Refund or Chargeback may result in the Users account being immediately and permanently excluded from XXXX. The Refund or Chargeback amount may be removed from the earning Creator 's income. The Creator may be alerted to the XXXX Refund or Chargeback.
All this information is available on XXXX section. So your statement about billing company is completely inaccurate. You would have also received this information if you would have contacted merchant directly at XXXX or by phone XXXX XXXX also does support refunds and chargebacks for non-receipt if good, that is clearly stated on their website in terms section.
I have also submitted all supporting documentation I had in hand in terms of communication with the merchant. You have disregarded that information.
Barclays dispute department have provided me with multiple resolution letters for the same transactions, which includes but no limited to reasons not able to assist or chip card was read and CVV was verified when purchase was made while all transactions were done online. This shows the lack of care for the customer that has a right to dispute, but also shows that nobody is really looking into the issue.
Through our phone conversation, you have confirmed that you never received any information from the merchant to support their side of the story, and informed me about their probable response. This is a lack of professionalism on your part as you are using your personal assumptions to make a decision and not fact.
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| 02/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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Around XX/XX/XXXX, I was not able to use my Barclay credit card and was not able to access my account online, it has been frozen from use. I contacted Barclays bank and was sent to the security department. I was informed my account was red-flagged to verify identity. They requested I mail or fax in multiple documents including ID, Social Security Card and Bank/Utility statement to verify my identity. No electronic upload was available and I was told it would take about 2 weeks to receive and verify, even through fax.
I faxed in immediately a copy of my US Passport, Drivers License, Social Security card and XXXX XXXX statement on XX/XX/XXXX. I refaxed documentation on XX/XX/XXXX as advised by the Security Department to make sure it was received and was informed by a Supervisor that there is no method to communicate between the Security Department and the department receiving the documents and verifying the documents and had no choice but to wait. On XX/XX/XXXX I called the Security department and was advised they were missing a copy of the backside of my Social Security card. I sent a copy of the backside of the Social Security card, twice. I was never originally informed they needed a copy of the back of my social security card. After so much frustration and delays, I sent an e-mail to XXXX XXXX, Assistant Vice President / Sr. Manager, Customer Experience and XXXX XXXX, Chief Executive Officer, cards and payments, on XX/XX/XXXX. On XX/XX/XXXX I received a phone call from XXXX XXXX, a Customer Advocate from the office of the Pr esident ( See multiple e-mails attached ).
After speaking with XXXX XXXX on XX/XX/XXXX by phone, she transferred me to the Security department and said they would handle it. I was told by the security department that it was still in process and nothing they could do. I follow up by phone on XX/XX/XXXX with the Security Department and was informed they could not give me any more information and I could only speak with the Office of the President and only that office could now unfreeze my account. Since XX/XX/XXXX through XX/XX/XXXX, I have left 6 voicemails with XXXX XXXX and the Office of the President Advocacy and 5 e-mails with no responses. For 6 weeks now my two Barclay bank cars are frozen from use, payments or access online and I can not get a response from the Office of the President to find out the status or release the account. Barclays has stolen my money.
I had an outstanding dispute based on fraud and Barclays has dismissed this and now that my account is frozen I can not request a further investigation and Barclay has not properly handled the fraudulent transaction ( Barclay Arrival card ) with XXXX for {$1900.00} on XX/XX/XXXX for which I filed a complaint with Barclay credit card fraud department. In XX/XX/XXXX Barclays came back and said they would not protect me from the fraudulent charge and I would be responsible to contact the merchant.
This is both an access and fraud dispute. I argue Barclays has let a fraudulent charge occur and I am frozen out of my account and therefor It is not my account and I should not be liable for the fraud. I am locked out of both my Barclay Arrival and Aviator cards.
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| 11/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
Older American |
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I filed the following ( in blue ) today with the XXXX Federal Reserve after getting no satisfactory response from Barclays Bank. I believe someone in a leadership position at JetBlue XXXX In Late XX/XX/XXXX I signed up on-line for a Barclays Credit Card under a 60,000-point promotion program with JETBLUE for a JetBlue XXXX XXXX. An account was opened for me on XX/XX/XXXX. I contend that the promotion program was FRAUDULENT in that Barclays did not honor the promotion.
I believe the problem may have occurred because Barclay 's initially rejected my application because my credit rating agency accounts were frozen by me as a credit protection measure. When Barclays notified me that my application was not able to be processed, I told them that I would unfreeze the credit reports ( which I did ). A Barclays representative told me they would reprocess my application. My credit rating accounts were lifted and the Barclays Representative confirmed that my application was reprocessed. What they did not tell me is that instead of reprocessing under the 60,000-promotion program, they processed it under a 15,000-point promotion with a {$250.00} statement credit after I paid {$99.00} for the first-year fee. This was never explained to me by the Barclays Representative. I am assuming this is what must have happened. But I did not know what happened with the points until XX/XX/XXXX when I received my credit card in the mail ( account XXXX ).
As soon as I received the card I notified Barclays of the error. I was given a Case number of XXXX. The representative told me " do not worry sir, '' we will make things right for you. He told me that the correct number of points would post to my account AFTER I paid the {$99.00} fee along with my debited amount, which I did on XX/XX/XXXX in the amount of {$4700.00}. A subsequent XX/XX/XXXX account statement showed that I had not received the promised 60,000 points. Instead, it showed that I have only 21,757 points.
I tried to cancel my account today with Barclays, but they refused to refund my {$99.00} fee. They say a refund request must be done within 60 days after making an application. But I did not know the promotion was not honored until after 60 days had passed.
Today I spoke to a " XXXX '' named XXXX on XX/XX/XXXX. He gave me a second " XXXX '' case number which is XXXX. I am supposed to receive a call within 24 hours to have a XXXX call me. But, I have regardless been assured that Barclays can/will do nothing else to help me. On XX/XX/XXXX, I received a letter from Barclays saying that " We're currently unable to assist you with your Rewards issue. '' Since I was initially attracted by the offer of 60,000 points, Barclays has increased the offer to 80,000 points. I have documentation of the initial 60,000 and 80,000 points, as well as an earlier 50,000 point promotion for the JetBlue XXXX XXXX.
I maintain that Barclays is running a fraudulent promotion program. I want to cancel my JetBlue XXXX credit card account and get a full refund of the {$99.00} fee Paid.
I am sending a copy of this complaint to the JetBlue company. My XXXX membership number is XXXX. I have been a member for many years with XXXX.
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| 02/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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I was discriminated against and denied an extension of My Own Credit initially on XX/XX/XXXX. After contacting the reconsideration phone number requesting to speak to a loan manager of Barclays Bank XXXX Delaware on XX/XX/XXXX via a telephone conversation I spoke to a operator name XXXX XXXX who then transferred me to a XXXX what the operator ID of ( XXXX XXXX XXXX XXXX y p ) XXXX refuse to give me his last name, then proceeded to tell me Miss information and refer to this Consumer Financial Protection Bureau as an agency and not a bureau with limited power to do anything about the situation. He continued to tell me he could only follow the instructions of a algorithm and I needed to file a complaint with the consumer reporting agency XXXX. Our phone conversation was recorded recorded on both ends if needed for reference.
Barclays Bank XXXX Delaware is civilly liable for discriminating against me as well as refusing to remove a hard inquiry on my Consumer Report. I know who I am as the original creditor and consumer and I should have never been denied an extension of My Own Credit and due to the negligent actions I have been discriminated against.
I informed the operator XXXX pursuant to15 USC 1691 it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction.
Pursuant to 15 u.s.c. 1602 G the term creditor refers only to a person who both regularly extends, weather in connection with loans, sales of property, or services, or otherwise Consumer Credit.
15 u.s.c. 1602 J the terms opened and credit plan and open end Consumer Credit plan I mean a plan under which the Creditor reasonably contemplates repeated transactions.
15 u.s.c. 1602 l the term credit card means any card, plate, coupon or other credit device existing for the purpose of obtaining money, property, labor or service on credit.
Any consumer transaction that requires the use of a social security number / credit card pursuant to 15 u.s.c. 1602 l which is connected to a trust account within the Federal Reserve, the lender Barclays Bank XXXX Delaware used my open and planned / open in consumer credit plan pursuant to 15 u.s.c. 1602 J, which is the social security number to receive the consideration Money / credit. That is why I am the original creditor and not the borrower the lender then loans the money back to me the original creditor / consumer. The term borrower is never mentioned in any of these acts therefore none of the laws to protect the consumer, the term borrower is never used and I'm not the borrower I am the original creditor /consumer Pursuant to 15 USC 1691 1 states if such inquiry is for the purpose of ascertaining the creditors rights and remedies applicable to the particular extension of credit and to discriminate and determination of credit worthiness.
I know who I am as the original creditor in consumer and I should have never been denied an extension of my own credit. After contacting the reconsideration telephone number and being discriminated against after clearly stating the laws the operator XXXX this company has caused me mental anguish and financial entry for us well for non-compliance. I
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| 09/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XXXX XX/XX/2020, I bought a plane ticket for my wife for which I paid {$590.00} and a few days later I spoke to XXXX XXXX to cancel the flight since by mistake and realizing I had entered the wrong date. Seeing the refusal of XXXX XXXX to refund my money back to my credit card, I decided to call Barclay 's to dispute the charges. On that day I was attended by a supervisor named XXXX who opened my claim and was super kind to me of the few times that happened to me, since always the representatives who attend me have excuses for everything and do not focus on helping clients. The days passed and the dispute claim continued its course, meanwhile I received the account statement that corresponded from XX/XX/XXXX to XX/XX/XXXX for the amount of {$1300.00} and which I paid in full ( Attached document ) and said transaction from XXXX XXXX for the amount of {$590.00} appeared on said invoice. On XXXX XX/XX/2020 I called XXXX XXXX back to inform them that I wanted to use the credit of {$590.00} to buy a new ticket and pay for the difference, who told me that the difference was {$280.00}. In the account statement from XX/XX/XXXX to XX/XX/XXXX is that transaction of {$280.00} to complete the total of the flight that was {$880.00}. ( Attached document ) In the document issued by XXXX XXXX, it clearly says that *** REMAINING VALUE OF YOUR PREVIOUS TICKET NUMBERS XXXX WAS APPLIED TO THIS PURCHASE ) The next day, that is, XXXX XX/XX/2020, I spoke to XXXX 's around XXXX : XXXX to notify them that I no longer wanted to continue with the dispute process and that they would cancel it because I had already used credit that I had from the previous ticket with XXXX XXXX and paid for the difference for the new ticket. The person who attended me like he didn't understand what I was saying because he couldn't find what to do. The account statement corresponding to the period from XX/XX/XXXX to XX/XX/XXXX was paid in full. ( Attached document ). In the account statement from XX/XX/XXXX to XXXX it was paid in full. In this statement there is a credit for the same original amount that I paid for the initial flight of {$590.00}. It should be said again that I would not have to receive any credit because I have paid each of my bills. ( Attached document ) In the account statement for the period from XX/XX/XXXX to XX/XX/XXXX they charge me the same amount of the flight that I initially bought for the amount of {$590.00} which is not correct. I add here that the last person to speak on behalf of Barclay 's was on Friday XXXX XX/XX/2020, who was called XXXX with identification number XXXX who as always has nothing to say or do.
This is not the first time that has happened to me with Barclay 's, a month and a half ago it happened to me identically the same thing that they try to charge me for something that I am not responsible for it. I hope and trust the Consumer Financial Protection Bureau to help me solve this problem. As I always feel that absolutely no one listens or understands from Barclay 's, they do not have the will to solve customer problems. My personal Bank account has been charged and it's showing on each Barclay 's statement also on my Bank statement.
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| 03/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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To Whom it May Concern : I send this complaint with respect a credit card I recently opened with Barclaysspecifically the XXXX XXXX XXXX XXXX product.
Shortly after opening the account, in XX/XX/XXXX, I received an offer for 0 % interest for 14 months on all balance transfers. After reading the terms and conditions I was quite confused and called the customer service number provided on my card. Namely, I did not understand how interest would be applied to purchases versus the balance transfer. In other words, would I see two statements, one with the balance transfer amount and a 0 % interest rate v. Purchases amount with the 24 % interest rate. The representative explained that once I initiated the balance transfer my interest rate would drop to 0 % for BOTH purchases and the balance transfer. I confirmed this was the case over and over with the rep during the nearly 10 minute call as I recently moved into a new home and had significant purchases to make for the home. Based on the the representatives statements, I spent nearly {$10000.00} on the card. I would never have done so but for her continued promises that I would have a 0 % interest rate on purchases. Indeed, it makes sense as I could have spent this amount on another card and just transferred that amount to my Aviator card and captured the 0 % interest.
Subsequently, after I made the purchases, I checked my online account and saw that the interest rate was still 24 % on purchase. I immediately called customer service who told me, in sum and substance, our rep was wrong but we are not going to honor what she told you. I begged that they please listen to the call and call me back. They promised to do so and call back in 48 hours.
The next call I received was simply horrible. This third representative had not listened to the original call, as promised, and essentially told me too bad you are stuck with this interest rate and there is nothing she could or would do. She also refused to provide me with a copy of the original phone call. I reiterated that I wanted a copy of the original call and to speak with someone who had actually listened to the call, as promised. Absent honoring those simple requests, I would pursue a complaint with appropriate agencies to protect my rights as a consumer. She told me someone would call me, again ; I have yet to receive any further calls.
I am a XXXX XXXX and fairly sophisticated in reading and interpreting contracts. The terms and conditions presented were so confusing, hence my call for clarification. If I could not understand the terms and conditions, I assume it would be quite difficult for the average consumer. I emphasize I would have never spent thousands of dollars on this card but for Aviator Mastercards false representations that my interest rate would be 0 % on purchases for 14 months. The failure to honor this is fraud which is going to cost me dearly and put me in a very bad place financially. I respectfully request that the company be forced to honor the 0 % interest rate promised until XX/XX/XXXX on all purchases on my card following the balance transfer.
Thank you in advance for your assistance with this very stressful matter.
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| 07/06/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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I opened up a card with Old Navy because it was a reputable company and I needed to increase my credit in a small way. Sure to ask when the payment date was due and 5 days before I went online to do so. I was only given an option to enter my account and routing information for my bank and I refused. I looked further into it and there was not another option online so I began calling Old Navy customer service. I was then told by several different Representatives as well as supervisors that my only other option was to give the information for my banking account and routing number over the phone. As I stated to them I would never put myself in a position to be giving out information over the phone or online that could be used to take all the money that I have. I have never been asked by any other organization or payment that I make including my credit card for banking and routing information. I tried to rectify the situation with Old Navy and they were very clear that there are no other options it is now the XXXX of XXXX and my payment is due by the XXXX. I asked each person very respectfully how I was expected to make a payment to them if they only will allow you to do so by giving out your personal information in an unsecure way and I was told basically that was it too bad. I reported his to the XXXX XXXX XXXX over the phone and was given a number for headquarters of Old Navy. When I called I was transferred right back to the customer service solution center where I got nowhere. I also was told I was going to receive the ability to file a complaint with the XXXX XXXX XXXX through paperwork from an email that I never received. I called the XXXX XXXX XXXX back so let them know I had not received the email and that the number they had given was for customer service just so they were informed. I was told they had never heard of anything like this it seemed very sketchy so to speak and to report it now to this organization. Let it be known that I'm just trying to make the payment and at this point I would cancel the account because I do not agree with this business practice at all. Having signed up for the account in the first place to try to build my credit is actually going to have the opposite effect because I have no choice but to close the account not being able to make the payment in a way that feels safe. I have now spoke to two unidentified people that I've told me that they had been drawn into the same what seems like scam with Old Navy and that there was no way for them to get out of it either other than to wait until their account was in default and try to call and speak to somebody to close that account but then still ended up with the bill that they weren't able to pay and less giving banking information, and that it went against their credit. This is the most ridiculous thing I have ever seen. I also was not able to locate any place on the website to file a complaint other than links that took me to the same phone numbers that lead to customer service. Not being able to file a complaint and itself is a sketchy practice let alone putting yourself in a situation as a customer where you could have your total bank account wiped out.
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| 07/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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On XX/XX/2019, I purchased two ( 2 ) XXXX XXXX XXXX sofas from an online website named XXXX. On the website, the sofas were listed at {$1300.00}, and I received an initial 10 % off discount code for a first time buyer. The website stated Free shipping for all orders over {$50.00}. I added the aforementioned sofas to my cart, and proceeded to checkout with my Barclays XXXX XXXX XXXX MasterCard. Checkout was denied because the merchant had an established maximum purchase limit it would process. So I had to split my purchases and buy the sofas separately.
After I thought I finalized the purchase, the merchant contacted me and informed me I would have to pay a separate fee of {$670.00} for import duties/fees/taxes. I thought the items were coming from XXXX. At the time of purchase, XXXX stated the delivery date would be within 2 weeks ( see attached screenshot ).
I did not hear from the merchant, so I contacted them and asked if the items were being shipped, and if so, how long would it take for me to receive them? The merchant responded 55 to 70 days. I then asked if they were coming from XXXX, which he replied Yes. At this point, the merchant had made the following misrepresentations on its website : ( 1 ) Free shipping on all orders over {$50.00}, ( 2 ) Expected delivery date within 2 weeks of the order, ( 3 ) The items were in stock, and lastly ( 4 ), the merchant did not list that there would be any additional charges for import fees. At that point, I tried to negotiate in good faith with the merchant a compromise, but we could not agree on any terms. The merchant stated I would be charged a cancellation fee, which was not listed on their website at the time of this purchase. It has since been changed to reflect so.
On 3 or more separate occasions, I instructed the merchant to cancel my order, which he failed to do so. I waited two ( 2 ) days for his response to allow for cancellation. The merchant subsequently canceled my order and provided a partial refund minus an undetermined amount for a restocking fee.
After two ( 2 ) days elapsed, I contacted Barclays MasterCard and disputed the charges based upon false misrepresentations of price, delivery date, availability, and additional import charges. To date, I have not received any items from this merchant. I do not have anything that belongs to them, and I did not sign any binding contract.
On or about XX/XX/2019, I received 4 letters from Barclays. In general, Barclays closed my dispute as resolved in my favor. However, they assessed me an unspecified amount awarded to the merchant as a restocking fee. According to the merchant, it was 25 %, but nobody at Barclays can confirm the specific amount. I've been told a range of {$340.00} to {$640.00}. This merchant was removed from XXXX for fraudulent/scam like activities ( see link https : //XXXX ). If link doesn't work, search " scamsellers XXXX ''. Anyhow, I have tried everything with Barclays, but they see this merchant provided false information, but somehow they sided with them. I have since closed my account at Barclays out of frustration and anger. This is complete consumer fraud at its best and I am left holding the bag.
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| 01/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I was notified by email on XX/XX/XXXX by the XXXX XXXX XXXX XXXX XXXX company that there were suspected fraudulent charges on my credit card account. Upon checking my account quickly I saw close to {$1000.00} worth of charges made between the dates of XXXX on my account. These charges were being made at several different merchants of which I never shop/spend money at all while I was in Arizona with my family.
I spoke to XXXX on XX/XX/XXXX, went through each of the fraudulent charges with a representative. I was told the charges would be temporarily removed from my account and things would be handled/investigated. At the time of this phone call I was unsure whether or not the credit card was in my possession or not, but I did have the information for the card stored in my phone to make purchases. The card was of course cancelled during my initial call with XXXX and a new card was mailed to me. The next month when my statement was sent to me, the fraudulent charges were on the statement. I called XXXX and spent an hour and a half being transferred to over 5 agents trying to get help for this. The final person I spoke with assured me these charges would be removed and apologized for the trouble. My account was clear when I paid my bill XX/XX/XXXX for {$160.00} and this week my newest statement yet again had the past fraudulent charges on it.
I also received a letter this week from XXXX after being away for work traveling telling me their investigation determined the activity they had alerted me to as being fraudulent, and that I confirmed as being fraudulent, had been determined by them as " valid ''. On XX/XX/XXXX I called the company for the third time once I opened my emailed statement with these charges on it yet again, spent over an hour speaking to them regarding every charge, yet again, and was told these charges were being removed. The man I spoke with on the phone never mentioned anything regarding the investigation the company had done and the first I have heard about this came from the letter I opened after getting home today.
I investigated some of the fraudulent charges myself and found that two of the many charges were made in store at a XXXX an hour and a half from my home on a video game console, blue tooth headphones, video games, etc. If these purchases were made in store, I would believe this XXXX branch would have security footage of the person making the purchases. After reading the letter from XXXX I have reached out yet again via their " secure messaging '' portal inside my account an hour ago to dispute these charges and questioned how their investigation dept. came to the conclusion the fraudulent charges were valid.
I have spent hours and hours on the phone with this company between XX/XX/XXXX and now. I now have late fees and interest charges on the fraud charges due to being told the charges were being handled each time I've contacted the company and then the opposite occurring. I am willing to gather any information or evidence regarding these charges in order to be cleared. I am desperate for help as any time I try to contact the XXXX XXXX XXXX XXXX customer service I can never get anywhere.
|
| 01/29/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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Good morning, I have a concern and an issue I am dealing with and I would appreciate your help. I have a credit card through XXXX XXXX in which I am having the issue.
The issue : In approximately in XXXX, they reached out to me and asked if I would be interested in 3 months of deferred payments and if that would help me out during this strange time we are in. I did accept their offer as it definitely would help me out as the monthly payment was about {$400.00}. They did say my card would still earn interest, which I was ok with. I was told that my next payment would be due on XX/XX/2021 in the amount of {$390.00} but I did need to get my account up to date as I was behind {$77.00} in which I was able scrounge up and get to them within a couple of days. I was told to ignore any automated phone calls and the billing statement as we go through the next 3 months.
Within the 2nd month XXXX XXXX week of XXXX ) I was getting multiple phone calls and decided to give them a call to see what was going on. I was told that they were going to send my information to collection if I did not pay my credit bill. As the gentleman that I was speaking with looked into the situation, he saw that I shouldnt have not been receiving calls and fixed the issue, also explaining to me that my next payment is due on XX/XX/2021 needs to be in the amount of {$390.00}. I did receive a bill showing this amount early XXXX.
I now received a phone call saying that I have a late payment and the {$390.00} they received on XX/XX/XXXX was short. I need to make an additional payment of {$800.00} XXXX and change ) for interest and late charges. I asked to speak with a XXXX as this made no sense to me. Why would you defer my payments for 3 months and then hit me with a huge payment at the end of three months. I did miss a phone call from Barclays bank XXXX XXXX XXXX ) but could not talk with them at the time they called yesterday. I am getting nowhere with the multiple people I have talked with and keep getting the run around. I requested to talk with a manager and still have not been able to talk with one. Each time I talked with anyone I asked if they could look at my notes on my file and even though they say they add notes, nothing is there. I did mention to the last gentlemen that I talked with to add the note that I need to speak with a manager and as they say we record our phone calls I asked to pull the recorded phone call prior to the manager calling me. At this point nobody has returned my call. I did ask that they take me off the list for the repeated phone calls and will wait for a manager and he said we would.
My concern : I have never asked for any help in these times, and my family and I worked hard together, matter of fact my son wanted to start unemployment and we had a long talk and worked together to get thru a major bump in the road and to get him working again. I understand the hardship, but I can only imagine what the banks are telling you and what they are really doing. The additional stress they are putting on myself along with other people ( I would assume ) is unnecessary.
I really need your help in this matter.
Thank you in advance
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| 11/01/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I purchased a XXXX XXXXXXXX XXXX earlier this year in XXXX using my Barclays credit card. In late XXXX XXXX, we found that my wife was pregnant. According to XXXX XXXX policy listed on their WEBSITE - XXXX XXXX XXXX - XXXX people can not board the ship afteXXXX XXXX XXXX XXXX ( which my wife would be at the time of boarding the cruise ). According to the policy, you are to contact them and they will assist in resolving the situation.
Based on this policy, I contacted XXXX XXXX to try to work with them on the situation. They wanted proof of the XXXX with letterhead from a physician THE SAME DAY ( at the time of calling, it was a Sunday, all medical offices are CLOSED ). I can provide all documentation but the lady at XXXX XXXX would not extend the dates, would not work with us on giving us time to gather the information required, and basically told us if we didnt provide it in their timeframe, we would lose over 50 % of our amount paid to XXXX XXXX which was like {$2300.00}, so we would end up losing {$900.00} + {$500.00} ( this math didnt make sense to me either but XXXX XXXX was such a hassle to deal with, I moved forward ).
Since XXXX XXXX was no help, I asked them to cancel the cruise so that I could at least recover {$1800.00} of my purchase and not lose a substantial amount of money.
The same day ( again, this was late XXXX XXXX ), I contacted Barclays and asked them for help with disputing the remaining {$500.00}. I provided all of the information, including what is listed above ( policies, situation, etc. ). I had to explain multiple times to the person at Barclays what the situation was, the policies, what was going on, etc. About 10 days ago, I get another phone call from Barclays stating that XXXX XXXX has disputed my {$500.00} dispute and if I had anything more to provide to Barclays... XXXX? I provided everything originally about the dispute to Barclays. I had to yet again explain to a new dispute agent about what is going on and the policy etc.
I guess Barclays didn't do much or planned to do much with that information because literally a few days later, Barclays reversed my {$500.00} credit on my credit card, indicating that I lost the dispute.
My issue is not so much that I lost the dispute, its that I fully expected a company I've been using their credit card for over 7 years to at least do their due diligence in giving me a fair chance at a dispute. The entire dispute process with Barclays seemed negligent : 1. I had to explain my issue to several people. Due to this, I don't think Barclays fully understood the situation despite several attempts at discussing it, therefore, I don't think I was given a fair chance at the dispute process. XXXX XXXX policy is clearly on their website. I made all attempts to resolve it and XXXX XXXX was not helpful.
2. It seems I lost the dispute, NO INFORMATION HAS BEEN PROVIDED AS TO WHY OR THE OUTCOME, I can just see it on my statement clear as day.
Either way, I don't expect anything to come out of this, I'm not even a customer anymore, after this- I closed all my Barclays cards. I refuse to give a company money that has this poor of customer service.
|
| 03/27/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
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Web |
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On XX/XX/XXXX I responded via telephone call to correspondence I received in the mail from Barclays offering a balance transfer for my XXXX XXXX. I was approved over the phone for the requested amount of {$2100.00} and was advised that the funds would be transferred into my XXXX checking account. The following day, XX/XX/XXXX, I received a phone call from XXXX and was advised that the transfer had been cancelled because my checking account could not be verified. It was not made clear to me why Barclays could not verify the account. This was concerning to me for two specific reasons. One, I had already sent payments to my other credit card companies assuming that this Barclays electronic transfer was in progress. Two, the bank account I provided was accurate as the representative confirmed the account number I had initially given and the account is in my name alone. There was no reason to cancel my transfer. I have had electronic transfers into this account before with no issues.
Given I had already made financial moves based on this approved balance transfer I requested that Barclays re-process the transfer. I was told that they could not do an electronic transfer and that I would have to go online and reapply, requesting a check be mailed to my bank. I did as advised. To-date, I have not received the funds but my Barclays account still indicates that I owe the funds.
I have called in several times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and been advised several times that the representative is opening a case so that this issue can be investigated by Barclays. I was told that this investigation would take up to 30 days. I was advised by XXXX on my last call that her records show that the check has been processed as of XX/XX/XXXX ( a Sunday ) by my bank and that maybe I should call my bank to see where the funds are or ask them if they cashed the check. This outraged me because Barclays should be able to confirm without a doubt, whether this transaction occurred. I dont understand how I am supposed to investigate a Barclays transaction. So I am supposed to prove that Barclays didnt give me the funds? Thats ridiculous! At the very least, Barclays should be able to present to me the documentation they have confirming that the check was processed and who at XXXX processed it. XXXX advised that she didnt have the documentation confirming the transaction, but that she would mail it to me when she receives it. So far, I have not received anything.
On XX/XX/XXXX, I called XXXX to confirm whether they had received a check for my account from Barclays and they confirmed that they have not. They also confirmed that there is no transaction on my account reflecting deposit of the transfer.
This is my first experience with Barclays. I have not had this card for a year, but I am regretting my decision to do business with this institution. I have requested balance transfers from other financial institutions and never had anything like this happen. At this point I really feel like someone inside of Barclays is scamming me. I also feel like I am not getting the customer service that I should be receiving for this complaint.
|
| 08/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
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I feel that Barclays is practicing unfair credit procedures when it comes to its consumers. I have no prior banking or credit relationship with Barclays and applied for a credit card, in which my credit profile was pulled and reviewed by Barclays. This was done in XX/XX/2019 and I was initially denied but approved after Barclays portfolio customer service reviewed my credit history and granted me a {$5000.00} credit line.
At the time I was applying for other credit cards as well since my credit score was high and I had perfect payment history and I needed to build my credit portfolio for my needs. Does Barclays think that consumers are not aware of how Fico scores work? And since Barclays has been in the credit business for a while, they surely must be aware that reducing the credit line of consumers closes the gap on credit utilization, which hurts the consumers credit report.
Barclays claims that they are concerned about my debt that was {$59.00} and now {$12000.00} and yet when initially denied me and then approved me for a credit line of {$5000.00}, there was no stipulation of any credit reduction based on new debt or new credit applications? Again I have to ask does Barclays really think that the US consumer is not going to be using credit cards to transfer high interest debt over to a 0 % interest credit card to benefit the consumer and the credit card being used, the consumer is more motivated to pay off debt and in the long run this helps the consumer with payment history and building credit business with those credit card companies.
In researching Barclays, they seem to have a history of reducing credit lines of consumers, some for reasons ; others for no apparent reason. If Barclays was so concerned about my credit portfolio with them and my current debt and flagged me for being a risk, why did Barclays exacerbate the issue by increasing my credit utilization with them from 40 % to 86 % when they reduced my credit line? This reflects on credit scores and credit utilization with Fico score, by penalizing me with this false 86 % utilization and dropping my credit scores. This is an unfair credit practice that harms the consumer when the consumer has acted in good faith when applying for credit. Barclays is ignorant to the fact that I make {$70000.00} a year and have {$2000.00} in debt with them. Ive only had this credit account with them for 2 months, and now they have treated me as I cant make my payments or missed payments with them.
No matter what Barclays reasoning is with my credit portfolio, they have harmed me by the unfair credit practice of reducing a credit line to increase my credit utilization and this will reflect on my future credit report. Under the Fair Credit Report ACT Barclays have failed to report Accurate Reporting as now the 3 credit bureaus will show a 86 % credit utilization instead of the 40 % it was before my credit line was reduced. Thus reducing my credit score and further exacerbating the false debt increase by reducing my available credit vs credit used utilization.
I would not wish this type of treatment to any other consumer who has applied for credit with Barclays.
|
| 08/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
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Web |
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On XX/XX/2021, I ordered 2 {$100.00} MasterCard gift cards through Staples Direct with my Barclays CC. I had ordered the cards to be physically shipped to a XXXX storefront at XXXX XXXX XXXX XXXX in XXXX, NC so that I could go pick them up. I was provided the tracking information through USPS, but the tracking stopped at a XXXX plant without ever being updated -- it never made it to the store.
I contacted XXXX support and on XX/XX/XXXX they responded by email apologizing for the delay. At some point in either XXXX or XXXX, I spoke to them by phone and was told they, XXXX, would reissue 2 more cards to replace the ones that never arrived with the same deal in place -- the cards would be shipped to the same store for me to pick up. However, this time I never received tracking information and was told I'd be informed when the cards arrived. After a month of waiting, on XX/XX/XXXX I physically went to the XXXX XXXX store to check to see if the cards had arrived. I went at about 2 or 3 in the afternoon and spent 30 minutes waiting while they checked various spots where the cards should have been, but was told they were not there. I then emailed XXXX support again on the same day, XX/XX/XXXX, stating I still hadn't received the cards. A response was given on XX/XX/XXXX saying the cards would not be reissued a 3rd time and that XXXX would begin working with the vendor to refund the order.
On XX/XX/XXXX, after having contacted them again about not having been updated on the status of my refund, I received another email stating they're still working on the case -- that a resolution is hoped to be had in the next 24-48 hours. Within the next 2 days, I received a phone call and voice mail from a XXXX representative informing me that the gift cards had both been fully redeemed -- so, fraudulently -- and that I would need to dispute the transaction directly with my CC company. In this case, that was Barclays.
I disputed the transaction with Barclays on XX/XX/XXXX citing and describing the above process as well I could stating 'Non Receipt of Merchandise '. Barclays allegedly began an investigation and rendered a verdict that according to the merchant 's response ( They referred to XXXX, not XXXX, as the merchant in this scenario ), that " the services were rendered and the gift cards were redeemed using your name, XXXX XXXX. '' This is highly problematic because the dispute in question is with XXXX XXXX, not XXXX. XXXX is only a vendor affiliated with Staples -- as such, XXXX has no responsibility nor input on the reception and distribution of merchandise to me, the individual, in this scenario because XXXX assumed responsibility to receive and then give the merchandise to me, the customer. Because XXXX is the merchant, and not XXXX, the claim that " the merchant rendered the services and the gift cards were redeemed using your name '' is false because XXXX is not the merchant charged with providing the merchandise. No evidence from XXXX has been provided showing that I received the merchandise, so any use of those cards is fraudulent since I, the recipient, could not have used nor authorized the use of those funds.
|
| 11/27/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I am needing urgent assistance. Barclays consumer credit is dogmatic and more seriously, predatory and most unreasonable. Barclays is exploiting U.S. consumers ; and they are taking unfair actions-even when they are notified early on of serious issues. Specific to my case needing resolution right away please, I notified them apprx XX/XX/XXXX that I purchased cellphones for myself and a gift for my mother and sister. Immediately following, while I was trying on jeans at a nearby merchant, the bag with the phones inside was stolen. I reported this right away and the XXXX XXXX manager gave me all purchase details, I reported to security, security referred me to the local XXXX police, the local police stated they were exceptionally busy with more serious cases and this needed to reported to the consumer credit card company. I then immediately reported this to Barclays. I was re-assured that they -with the XXXX XXXX company and the information that I provided to Barclays- in detail, could resolve this matter. They XXXX phone information also confirmed that I'd never activated or used either of these phones. Again back apprx XXXX. My parent took charge also and was equally. concerned and jumped ahead and made a payment so that I would not have a first payment default as I was working to build my credit. I enlisted many advocates to assist and to prove to Barclays we needed resolution. We did not know about the CFPB at that time. Barclays took very, very long and did not follow up-at all as they promised many times.. My advocates and I called and wrote in to Barclays, trying to resolve-still no resolve. Ironically, fast forward to XXXX, I am again a victim of their predatory collections and consumer mistreatment. Ignored, disregarded, misrepresented, pressured, feeling even hunted down, run over and disrespected -even with an offer resolve an apprx 48++ month old debt -when this should be dismissed or discharged. Especially, with the amount of time gone by, the current serious COVID 19 financial and economic impact on me and my family, their dishonest and non-follow up to resolve, their disrespectful, predatory collection techniques, their serious of bumbling errors and mishandling of the extensive information that I called and called and wrote in to provide to them, their unfair demands, threats and aggressive executions to collect on phones that I never ever used. Barclays clearly is using this collection technique to generate revenue for their company in the wake of this pandemic economy. They are ruthless. Even the letter that I am attaching from Barclays dated XX/XX/XXXX is a fraudulent misrepresentation. They state they " fully investigated ''. They did not. They have not. I gave them all, extremely pertinent and time sensitive information for research, investigation and so that they could resolve almost 4 yrs ago! How could they dare type and send a letter date XXXX? This further demonstrates their dishonest tactics. Please assist me towards getting this resolved, and closed out permanently. Please also closely monitor Barclays and take very seriously other consumers who file complaints on them as well.
|
| 05/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
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Web |
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The response sent through CFPB states the account was charged off XX/XX/XXXX but have reported on XXXX 's latest credit report # XXXX the charge off was made in XX/XX/XXXX. They stated they validated the debt, however no signature was received on the application for the account. They verified and validated they have no signature on this application and therefore, they is no contract between the consumer and this corporation. The cardmember agreement, terms and conditions, billing statements are not sufficient evidence that must be provided once a consumer requests it which is a law made by XXXX in the United States Code in title 15, Chapter 41, 1692g.
In addition to providing all 5 required information that is to be provided to the consumer, 12 CFR Appendix B to Part 222 - Model Notices of Furnishing Negative Information, financial institution that is subject to section 623 ( a ) ( 7 ) of the FCRA shall be deemed to be in compliance with the notice requirement. I, the consumer have not received the required model notice B1 and B2. XXXX XXXX failed to provide these required notices, failed to provide a signed application and contract for the account to be valid. Therefore, there is no choice but for this account to be removed from XXXX and any other consumer reporting agency they may have communicated with.
The status of this account on XXXX 's consumer report is account charged off and written off amount is {$1400.00}. Once an account is reported to Internal Revenue Service and Barclays Bank Delaware filed the account at a lost and claims the tax benefits, the financial institution can not continue to assess fees to the closed, charged off account. So the balance is now reporting an increased amount of {$1900.00} which is in direct violation.
XXXX XXXX also included an app ID XXXX with the address of XXXX XXXX XXXX XXXX, XXXX, XXXX SC XXXX. This address is not an accurate address and does not reflect on my current consumer report through XXXX with the report # XXXX which is the most current report. You are reporting inaccurate information and making false claims that it is validated and verified. I am the consumer and am the only human that can verify an account.
Barclays Bank Delaware, you have many violations I have found your company in. This account is set to be removed on my consumer report in XXXX and I demand this account be deleted within 14 days of XX/XX/XXXX. This is a great time for this company to act with dignity, knowing it is harming consumers with false representation of my character. Charge off accounts are character damaging. This is tarnishing my character and as I've pointed out, you have not followed the United States Code and Code of Federal Regulations which you are required to be in compliance with. Failure to do so will require me to continue further with contact to your direct policy enforcement and fines will be owed by corporation.
Let 's make this easy and give the consumer what I respectfully demands. XXXX XXXX, signing this letter from XX/XX/XXXX does involve you and conflicting information does not look good for you. Let Barclays be accountable for their actions.
|
| 04/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Telephone : XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.
For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. The following personal information is incorrect Account Number : Former : XXXX XXXX 2. The following personal information is incorrect Account Number : Former : XXXX XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of identity theft and I have included an FTC report. Please remove 6. Please validate. The late payment status is incorrect XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
7. Please validate. The late payment status is incorrect XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
8. Please validate. The late payment status is incorrect XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 4 ) days of the completion of your re-investigation.
Sincerely yours, XXXX XXXX
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| 03/29/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Barclays Bank XXXX and XXXX XXXX collaborated against the facts, then destroyed my credit reputation which brought numerous consequences and scammed me {$120.00}.
On XXXX we called XXXX to contain cockroaches in the kitchen. After we saw an advertisement with {$50.00} discount, guaranteed protection ( tXXXX promise ) and no-contract ( no commitment ) at all.
Which means if our pest problem is not resolved on first service we have an entire 3 months with no extra charge to have our concerns addressed. Also each time we are due for a service we get to decide whether to withdraw or continue to with the service. XXXX There were 2 other members of family besides me listening our conversation with XXXX sales personnel. ) His exact words were NO CONTRACTS, QUIT ANYTIME and for the payment ; the sales personnel words were ; WE ONLY PLACE CHARGES AFTER YOU WISH TO CONTINUE THE SERVICE AND AFTER WE RENDER SERVICE. he also offered us a free exterior service and free termite inspection but None of the offers were rendered.
On XXXX XXXX sprayed chemical to abolish cockroaches ( PRIMARY CONCERN ). After a week the cockroaches in the kitchen were twice as bad. we contacted XXXX they visited us on XX/XX/XXXX. But theyve done nothing instead they looked at the problem and tried to sale a different service not related to our concerns ( TERMITE ). We told them fix this first then well consider it. Until XXXX we kept waiting, XXXX was nowhere near. I was thinking about forgiving the {$120.00} and continue a happy life. But on XXXX XXXX XXXX placed a charge of {$110.00} without my authorization also 6 days prior to our due date. Before addressing my concerns. Before fulfilling their promise. I called customer service and told them I have not recognized this charges so refund my money immediately. But I was laughed at and treated like a fool. They told me to wait a call from the XXXX but that never happened. After waiting a week or so I contacted my credit card issuer BARCLAYS BANK XXXX and disputed all transactions from the merchant ( XXXX XXXX XXXX. Also replaced my credit card with a new credit card number. On XXXX BARCLAYS BANK XXXX closed the dispute in favor of the merchant ( XXXX XXXX XXXX after the bank received a copy of RECEIPT from the merchant. Which I have never received from the merchant or have no idea about.
In XX/XX/XXXX I opened a credit account with BARCLAYS BANK XXXX and a {$0.00} liability protection against unauthorized transactions was included. I closed the account on XX/XX/XXXX because of BARCLAYS BANK XXXX failure to fulfill on their promise.
Afterwards BARCLAYS BANK XXXX continued to report BALANCES, LATE PAYMENT ... etc for more than 7 months on a closed account which ruined my financial health in many ways. And also violating The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.
I have identified the following to be the consequences of BARCLAYS BANK XXXX inaccurate reporting : - 1- increased auto loan rates 2-decreased fico score by more than XXXX points 3-credit card APR increase 4-credit card term amendment 5-auto insurance increase All of these have been documented ( attached )
|
| 04/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Hello, I have already tried to deal with this through XXXX, but they were zero percent helpful. There is no accountability in their dispute department, in fact you can't even speak with a human being, only write them letters. Here is what happened regarding my XXXX XXXX XXXX XXXX : On XX/XX/XXXX I got a notice from XXXX that I had missed my payment. It was due the day before, on XX/XX/XXXX. I immediately called them to make a payment, and also set my account up for auto pay so this would not happen again ( I have never missed a payment on ANY of my cards, EVER ). The gentleman I spoke to was nice in that he agreed to waive my late fee. He also guaranteed me that since it was only 1 day late it would not affect my credit score/report. He processed a total of {$32.00} which covered the missed payment as well as the current balance. He CONFIRMED WITH ME that the payment had gone through and that we were all set, so we hung up. His employee ID is XXXX.
When I received my next statement from them ( see attached billing statement XX/XX/XXXX through XX/XX/XXXX ) it confirmed that I had indeed paid the {$32.00}. Please refer to the section that says 'minimum payment due : {$0.00} '. Also 'statement balance : {$0.00} ' And on the reverse side 'Payment received : {$32.00} '. This of course says that my account is in good standing. Right?
The following statement ( attached statement XX/XX/XXXX through XX/XX/XXXX ) was higher than the typical amount I pay, so again I called them this time to ask about the transaction description on the back that is titled 'unable to locate account '. This was on XX/XX/XXXX. I spoke to a woman who was very nice, but didn't seem to have a good grasp of her job or what was going on with my statement. She was unable to explain to me what 'unable to locate account ' meant. I explained to her that I had called in last month and they had waived a late fee for me, and I asked her if that was the late fee still on my account. She said that was probably it but it should get resolved with my next billing cycle. I was now on autopay so I didn't give it another thought. Her employee ID is XXXX.
There are transcripts of both of these phone calls.
Flash forward to XX/XX/XXXX, when I glance at my credit score and see it has dropped by nearly 60 points! I naturally thought someone had stolen my identity, so I requested my free annual credit report. That is when I discovered that XXXX had reported a 30 day past due to the 3 credit bureaus. I called them directly which is when I started collecting all this information, but they said they were unable to help me. I had to submit everything in writing to their dispute department ( which has no phone number ). So I did that, as well as disputing it with the 3 credit bureaus. All to no avail. 3 days ago I got the return letter from XXXX saying they see nothing wrong, sorry, have a good life.
It is criminal that they be allowed to perform their own investigations with no oversight, ignore factual evidence that PROVES beyond a shadow of a doubt that they are wrong, and issue judgement in a matter that can negatively affect someones livelihood.
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| 06/10/2016 |
Yes |
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Web |
Older American |
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This is a complaint against Barclay 's Bank Delaware ( XXXX XXXX XXXX and LLBean Visa Card ) for the failure to follow in good faith Fed. Res. Regulation Z 's credit card dispute prodcedures. On XXXX XXXX, 2016, I mailed by certified mail a letter claiming a billing error on my account statement for the period XXXX. The letter arrived on XXXX XXXX and was picked up on XXXX XXXX by an " Agent ''.
In the complaint, I stated : " On my recent statement for the period of XXXX a single charge of {$99.00} is shown from " XXXX XXXX XXXX '' ( applicable page from statement attached ). This charge is unauthorized and I made no such charge. I called the number shown on the credit card statement. XXXX is the XXXX. I do have a XXXX subscription XXXX BUT I was told that my subscription is free and that they had no record of any {$99.00} charge to me. Since they had no record of the charge, they were unable to help me.
Therefore, please remove the {$99.00} charge from my account. " My account no., name, address, etc. were all statement clearly in the letter. I believe the nature of my dispute was clearly stated and only required an investigation and response as required by Reg. Z.
Today XXXX XXXX XXXX ) I received XXXX letters dated XXXX XXXX from XXXX XXXX about my dispute which I believe are identical. They XXXX say : 1. They need further information.
2. ''... and we attempted to contact you on XXXX XXXX, 2016.
3. " Since we have not received a response, we assume that you no longer wish to dispute the charge and we have closed out investigation '' 4. They tell me if I wish to continue the dispute to basically resubmit all the information I already submitted.
I believe this is all contrary to the requirements of Regulation Z for several reasons : 1.I do not believe the need for additional information was made in good faith. I think my original statement was reasonably clear and only required contacting the merchant. I suspect that this request is made to " throw the ball back '' into the consumer 's court with the hope that the consumer will not respond so the card issuer can drop the dispute.
2. Even if you assume that this is not the case, XXXX XXXX said they tried to contact me on " XXXX XXXX ''. This predates my letter to them which was not mailed until XXXX XXXX.
3. Even if XXXX assume that the XXXX XXXX date was in error and XXXX XXXX meant XXXX XXXX, it sounds as if they attempted a single telephone call. I have no record of a call or any other follow-up communication for that matter. I do not think a single call attempt is all that is required XXXX.
4. Even if they did call on XXXX XXXX and did not get me, I believe that a reasonable next step is to write me ( as I was required to do to initiate the dispute ) and tell me specifically what further information they require -- not to drop the dispute and require me to start all over again.
Over the years, I have experienced similar conduct from other card issuers about billing disputes. I hope the CFPB can not only rectify this complaint but can put a stop to what I believe are wider bad faith practices on the part of card issuers. Thank you.
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| 06/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I have been a victim of credit card fraud which your bank allowed from XXXX of XXXX to XX/XX/XXXX 2 years to continuously happen and now XXXX XXXX XXXX has charged XXXX as of the last report from the credit bureau which I had to place an identity theft alert on my account. In all my years I have never been taken like this. My credit score dropped over 100 points from XXXX to XXXX I have always paid for EVERYTHING I put on a card or any bank Ive paid for it. XXXX XXXX XXXX used the card she stole from my house with my name on it to set up the online account and made herself the authorize user, using her own personal email, her cell number, and her own computer. I found out what was going on when Ms. XXXX maxed the card and in XX/XX/XXXX Is when I was told by your bank what was happening. I was told by your fraud department that I set the online account up, but I did not when I was asked to verify the online credentials I could not because I never set it up. Your fraud department had to copy ALL THE STATEMENTS BECAUSE I WAS UNAWARE AND I HAD BEEN TAKEN ADVANTAGE OF BY Ms. XXXX the account she set up was paperless, so I never received anything. Your fraud department said I gave her permission on the application to have a card, but when I ask them to send me a copy of my original application they said it was not available that the Cruise line had it and I sent the cruise a certified letter asking for this information they wrote me back and said your bank had the original and when they sent it to the Barclaycard Services they destroyed the information ( I have a copy of this statement ). I asked the fraud department to pull the phone conversation that in the beginning your bank said that it was phoned in to authorized Ms. XXXX XXXX XXXX to be a user on the account and thats when I was told that it was added on line, BUT YOUR BANK WILL NOT GIVE ME THE ONLINE INFORMATION BECAUSE I DIDNT SET IT UP. ON THE CARD ENDING IN ENDING IN XXXX WAS NEVER USED and THE CARD IN MS. XXXX NAME ENDING IN # XXXX she had both the cards she activated BOTH cards and began to use it. I have filed criminal report against MS XXXX ( see Police report and I will take this all the way to a legal court because I didnt make any of these charges as you can clearly see. I have an address for MS XXXX at work which my attorney located she has a job, she made the bills, she frauded your bank then she needs to be responsible not me. I never charged one thing on that account because if I would have, I would have paid for. Please reopen my fraud claim and take these charges against my name and my credit off and place Ms. XXXX pay you all back. She works for a state agency the Work Force Commission XXXX XXXX XXXX XXXX XXXX Tx XXXX. Im 60 years of age I cant afford to pay something back I did not do or authorize any one to do so. MsXXXX XXXX took advantage of me, stole from me and just because I allowed her in my home did not give her the right to take a credit card from my house set up online account assess and charge XXXX please deem this account fraud and close it out taking it off the credit report and place legal action on MS XXXX.
|
| 08/22/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
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|
Web |
|
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My application number is XXXX. It is for barclaycard XXXX XXXX XXXX XXXX. I applied for the credit card in XXXX of XXXX. And it was denied in XXXX. So I called them and the credit card company ( barclaycard ) and they told me that they need additional information to verified me. On XXXX/XXXX/XXXX I sent them the required documents ( Drivers License, Social Security card and my current original utility bill and Bank statement with my name and address ). I sent them all four documents and staple them together on XXXX/XXXX/XXXX to the following address : XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX. After 4 weeks of sending the documents to them, they are no response from the credit card company. So I called them on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, one of the representative from the credit card company told me they have not receive any documents from me and told me to mail them again. So I did mail them the all the documents again on XXXX/XXXX/XXXX. Two week gone by after XXXX/XXXX/XXXX I called them to verify if they have received the documents. On XXXX/XXXX/XXXX, I called the credit card company and talked to XXXX ( ID # XXXX ) around XXXX XXXX XXXX she told me they only received the utility statement but not the Social Security card and Driver License card. I told them all the documents were stapled together how can you only receive one document not all the document. XXXX them told me that she will look into it and called me back within 2 days. But XXXX never called me back. On XXXX/XXXX/XXXX I called the credit company and spoke to XXXX ( ID # XXXX ) and explained to her that I have sent them all the required documents twice ( 1st on XXXX/XXXX/XXXX and 2nd time on XXXX/XXXX/XXXX ). And she still saying that they only received the utility statement only. So I escalated to the supervisor that day. On XXXX/XXXX/XXXX, XXXX then transfer me to the Supervisor named XXXX ( ID # XXXX ). Supervisor XXXX then proceed to ask me additional information to verify me. After the verification. Supervisor XXXX told me he can approve my credit card application with {$5000.00} dollar credit limit and I will receive the credit card within 7-10 business days. After 3 weeks of not receiving the credit card so I called them again. On XXXX/XXXX/XXXX I called the credit card company again. I talked to XXXX ( ID XXXX XXXX ), she then told me the credit card has been denied on XXXX/XXXX/XXXX due to bank policy and Patriot Act of XXXX by XXXX XXXX XXXX. Then I ask to speak to a supervisor, she then told me there were no supervisor available at that time. So 6 days later I called them again to ask why was my application denied if the supervisor already approve on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I called them again and talked to Supervisor XXXX ( ID # XXXX ), she then told me the application was approved on XXXX/XXXX/XXXX but on XXXX/XXXX/XXXX it was cancelled. I ask the supervisor XXXX why it was cancelled, she then told me we can not give you a reason due to security issue. I then ask her that I have a right to know. She then very abruptly saying that there is nothing she can do about it and hang up the phone.
|
| 04/13/2017 |
Yes |
|
- Credit card protection / Debt protection
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|
Web |
Servicemember |
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I signed up for the XXXX card offered by Barclay due to its SCRA benefits for XXXX service members and its great incentives offered to Military members. It guaranteed $ 0 yearly fees and 0 % interest for the entirety of my XXXX military service contract. At no time in my original communications through the SCRA division of Barclay Bank, did they state that the $ 0/0 % interest would not apply for XXXX members but for members who joined after they had an already established account with Barclay Bank. In addition, it did not state that it had the right to change the terms of its contracts at any time. This was a very deceitful offer and it now feels like a " BAIT AND SWITCH '' scam and I 'm sure to many XXXX Military members who have this card as well. No warning of the disestablishment of the SCRA benefits for XXXX members was in the process of being implemented was ever given to myself via email, letter, or message in my account prior to it just being all of a sudden taken away. The company has maintained that it will allow me to retain my 0 % interest but the yearly fees of {$990.00} plus {$290.00} for each additional card will be implemented is unsatisfactory to me. At a minimum, current card holders under the original terms should be grandfathered but any new members should be fully aware that the yearly fees apply. This whole process has left a very sour taste in my mouth as I have reached out and left a message to their customer service number ( XXXX ) with no reply within 48 hours as it states. In addition, I have left a message through my credit card account with no response as well. I finally today was able to contact an Executive Specialist, with the Office of the President at Barclay Cards USA and she clearly stated that it was their right to change the terms of their contracts to align with business practices ( other credit card companies ) around them with no warning to the card members. She also stated that at this time, they are not offering any other services to satisfy the card member or to help to maintain the business of the card member. She stated that before my one year mark with the company that they " Should '' be reviewing accounts to see if any of their current offers apply and if not then at the year mark the yearly fees would be charged to my account. I asked if I could be switched to either their Black Card or Titanium card, due to their yearly fees not being near as much as the Gold Card and I do n't feel like I should wait till XXXX to see if I qualify for offers at that time. This is unsatisfactory and I felt was completely communicated wrong from the very beginning. In addition, I feel that I should be grandfathered in with my original terms or allowed to switch to another one of their cards immediately and not have to wait for my account to be reviewed one month prior to my year mark with this company. I began this process wanting to stay with Barclay services but after my conversation with the Executive Specialist, I am now leaning towards terminating any further business with Barclay Bank and refraining from any future business through them as well.
|
| 02/12/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
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|
Web |
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|
I applied for the Barclays Ring Mastercard on XX/XX/XXXX, to utilize the balance transfer feature offered by the card. At the time of application, I requested a balance transfer of {$9000.00}. I received notification via email on XX/XX/XXXX that I was approved for the credit card. I received the credit card on XX/XX/XXXX, and activated the card as well as the online account on the same day. I noticed that the {$9000.00} balance transfer had not been processed, so I requested the balance transfer again - this time through the online account and in the amount of {$10000.00} ( I thought this was the same amount I originally requested, but did not have a record of it after the application was submitted ). On XX/XX/XXXX, both balance transfers ( one for {$9000.00}, and another for {$10000.00} ) were processed, so that the new Barclays Ring account now showed a balance exceeding the credit limit, in the amount of {$19000.00}. The credit limit for this credit card is {$15000.00}. I don't understand how both of the balance transfers were even allowed to process, as they took the balance beyond the credit limit. I immediately called Barclays ( XXXX ) to resolve the issue. The representative I spoke with opened a case number ( XXXX ) and told me this issue would take 8-10 business days to resolve. Those days past, and nothing changed with the account. Also at this point, my credit score took a large negative hit because this new account exceeded the credit limit ( XXXX down to XXXX ). I called Barclays, gave them the case number, and was told that the case is still pending with no further update. I continued to call Barclays back, on an almost weekly basis ( ~7-8 times ), and was given the same update each time. The representatives recorded down which balance transfer to reverse, and indicated the balance transfer fee would be waived when the case was resolved. On one call, I was also told NOT to make any payments until the case was resolved, and all late payment fees would be reversed. Today, XX/XX/XXXX, I called and spoke with a representative ( XXXX? ). She told me the same story and provided the same update. I asked to speak to a manager ( XXXX ). The manager told me that because the balance transfers are over a month old, there was nothing Barclays could do to reverse the balance transfers. He suggested I contact my other credit card company and ask them to send me a check in the amount of one of the balance transfers. And then I cash that check and pay off one of the erroneous balance transfers. It was now my responsibility to fix Barclays error. I asked what had been happening the whole time the case had been open, when it seemed he was able to easily give me this answer when so many others provided non-updates. He apologized and said there was nothing Barclays could do at this point, except remove one of the balance transfer fees and waive the late payment fee that was assessed after XX/XX/XXXX.
I just paid the necessary amount on the Barclays Ring account so I am no longer exceeding the credit limit. It sounds as though Barclays will be taking no further action at this point.
|
| 07/28/2015 |
Yes |
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Web |
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Summary : I signed up for a XXXX credit card issued by the Barclays Bank Delaware. As a new customer, I was supposed to receive a reward of XXXX miles for opening the account after meeting certain conditions ( see below for details ). The bank did not credit me these miles. I reviewed the terms and conditions, and I fulfilled all the requirements for getting the bonus of XXXX miles. I called the bank and spoke to several representatives ( XXXX, XXXX XXXX, as well as her supervisor ). I read them the terms and conditions, but their unanimous response was " this is not how we do it ''.
Details : The terms and conditions of the XXXX credit card ( issued by Barclays Bank Delaware ) state : '' Premier World XXXX MasterCard cardmembers will receive XXXX bonus miles upon the first use of your new Account for a purchase and after the annual fee ( if applicable ) has been paid. All Welcome Award miles will be credited to your XXXX account at the close of the XXXX billing statement in which the purchase has posted and after the annual fee ( if applicable ) has been paid. The annual fee is considered paid when the cardmember makes payments greater than or equal to the disclosed annual fee. Welcome Award miles are available to new cardmembers only '' I opened the account on XXXX/XXXX/2015. I am a new cardmember, and I had never been a cardmember before. The close of the XXXX billing statement was on XXXX/XXXX/2015. Between XXXX and XXXX, I made several purchases. I also made payments in the total amount of several XXXX dollars. Hence, I made payments greater then the annual fee ; hence, the annual fee is considered paid as per the terms and conditions.
Since I met all the conditions outlined in the terms and conditions, the XXXX bonus miles for opening the account should have been credited on XXXX. The supervisor I talked to confirmed that I had both made the required purchase and had made payments in the amount of several XXXX dollars, which is greater than the annual fee. However, they claimed they would n't credit me the XXXX miles until the annual fee posts some time in the future. This requirement is not contained anywhere in the terms and conditions. It is frustrating to me that a bank representative tells me directly that they do not follow their own terms and conditions. I am relying on these bonus miles to book a flight and would like them credited immediately.
To avoid misunderstandings : I received a reward of XXXX miles for spending {$5000.00} on purchases. This reward was credited correctly. It is not the reward I am talking about ( I am talking about the reward of XXXX miles for opening the account which is independent of the XXXX miles bonus for spending {$5000.00} ).
Both the representative that I first spoke to ( XXXX, ID XXXX ) and her supervisor were not understanding of this frustrating situation, were not willing to resolve it, and did not treat me with respect. The bank should abide to what is stated in the terms and condition at the time of opening the account. Failure to do so is deceptive towards the consumer, something the government should take seriously.
|
| 10/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
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Hi, On XX/XX/XXXX, I was approved for the Barclay 's XXXX XXXX card and received a sign up offer of XXXX miles for {$5000.00} spend in the first 3 months. Due to inconsistent messages from Barclay 's agents and an unfortunately timing of a chargeback, Barclay 's has denied me this sign up bonus.
[ Referencing Message Confirmation Image ] On XX/XX/22, I asked if I had reached the spend for the bonus ( Barclay 's didn't offer an exact tracker for the bonus- the closest thing was the spend analyzer. I wasn't sure if it was updated quickly/accurate for purposes of checking on my bonus so that's why I msg 'd to double check ). The agent 's reply was yes " providing that the transactions are not later rescinded or returned '' ( 2nd paragraph ).
[ Referencing Initiating Case Image ] I replied to the agent asking about a chargeback situation. Basically, over the summer, a bartender wrote an extra {$20.00} tip ( in addition to the automatic gratuity ) and I immediately contested a chargeback. Barclay 's only accepts fax or mail so I mailed in the receipts/evidence. This process took incredibly long to fix on Barclay 's side and eventually they send in a letter [ Referencing XXXX XXXX Image ] saying that they'll provide a credit for XXXX XXXX-the amount disputed.
However, Barclay 's ended up refunding the entire transaction of {$170.00}. And this reversal was processed 2 days before the deadline for my 3month sign up bonus. Seeing that, I worried that Barclay 's would count this against me. I called a representative a few days later and she confirmed that I indeed will not receive the bonus due to this chargeback. Because she couldn't do anything about it, I wanted to escalate this to someone else who could help me resolve this and so the agent opened a case for me.
[ Referencing Final Resolution Image ] and [ Statement with XXXX Image ] After not hearing back for weeks, I reached out for an update. The message said that I didn't qualify for the bonus due to 2 returns : the chargeback and another one for {$160.00}. I remember this XXXX return but I want to note that this was done back in XXXX - XXXX. The statement for this came out on XX/XX/XXXX or XXXX.
When I doubled check on the bonus, it was on XX/XX/XXXX. I should've been informed that no, I didn't hit the minimum spend required then. ( I had assumed that I spend enough to cover the XXXX refund and the chargeback for XXXX was the only issue preventing me from getting the bonus. ) Plus, they did nothing to address the issue with the chargeback. I don't think it's fair that 1 ) Barclay 's send a physical letter saying a credit for {$20.00} when they didn't do that and 2 ) taking a long time for processing the chargeback and putting it on my account 2 days before the min. spend deadline.
-- In summary, the communication by Barclay 's were essentially false statements that mislead me into believing that I had completed all tasks to qualify for the signup when I did not. In addition, the manner they've handled a chargeback impeded my ability to qualify for the sign up bonus.
Thanks for taking your time to read this, K
|
| 04/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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To Whom It May Concern : I am writing to vehemently dispute the charged-off account and inaccurate reporting associated with the above-referenced account number XXXX as reported by Barclays Bank DE. Upon reviewing my credit report, I discovered that the account was reported as charged off, which needs to be corrected.
It should be noted that the account in question was included in a XXXX XXXX bankruptcy filing ; however, the focus of this dispute is not related to the bankruptcy itself.
I vehemently dispute the accuracy of the charged-off account and assert that the reporting is fundamentally flawed.
Barclays Bank DE effectively exploits public tax dollars to assist with the write-off by taking a write-off for the previous debt. This action constitutes a form of public assistance. Moreover, my requirement to file the discharged debt as income on my tax return falls under the income statute, which should exempt this debt from being reported on my credit report.
In addition, I have yet to receive Form 1099-C ( Cancellation of Debt ) from Barclays Bank DE XXXX which contravenes the Internal Revenue Service ( IRS ) regulations under section 6050P of the Internal Revenue Code. Regardless, I have dutifully filed the discharged debt as income on my tax return, as mandated by the IRS. Barclays Bank DE failure to provide the 1099-C constitutes a breach of the IRS tax code, and it has come to my attention that you have taken a write-off for the debt in question.
It is crucial to emphasize that income is not required to be reported on a consumer report under the Fair Credit Reporting Act ( FCRA ). Section 605 ( a ) ( 4 ) of the FCRA explicitly states that consumer reporting agencies may not include any information in a consumer report that pertains to " receipt of public assistance benefits. '' I assert that the income reported on my tax return, which encompasses the discharged debt, qualifies as public assistance benefits and is therefore exempt from reporting on my consumer report.
I demand that you provide documentation supporting the validity and accuracy of the reported information, including any signed agreements that establish the debt and any other pertinent information.
I insist that you investigate this matter and verify the following : 1. The accurate reporting of the charged-off account on my credit report, considering that I have filed the discharged debt as income on my tax return despite not receiving a 1099-C from Barclays Bank DE 2 .
3. The validity of the reporting of the charged-off account.
Should the investigation reveal inaccuracies in reporting the charged-off account, I expect you to remove the account promptly.
I request that you provide me with the 1099-C you neglected to issue, as required by the IRS regulations XXXX
I demand that you respond to this dispute within 30 days, as mandated by the Fair Credit Reporting Act ( FCRA ). Failure to comply may result in further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel.
I await your prompt attention to this matter.
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| 02/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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On Monday XX/XX/XXXX I ordered a XXXX XXXX XXXX processor from XXXX for {$130.00}. On XX/XX/XXXX I received an email from XXXX stating the processor had been delivered however, there was no package to be found. I thought the package was delivered to a neighbor by mistake as this has happened before so I waited until the next day to see if it showed up, at approximately XXXX on XX/XX/XXXX I called XXXX XXXX inquire about the package.XXXX told me it was delivered in my name to XXXX , FL XXXX but the street address did not match mine.I asked what address the package was sent to and was told that they could not give me that information for security reasons. I then contacted the seller through XXXX and asked why the processor was sent to a different address than what was listed on the XXXX confirmation email, after waiting a week, they never responded.I then contacted XXXX and asked them to step in.On XX/XX/XXXX I received an email from XXXX stating that they had proof it was mailed to my address and left at my front door and they closed the case. On XX/XX/XXXX I contacted XXXX ( I attached my credit card to my XXXX account and this is how I payed for processor ), and opened a dispute with them thinking that they would check with XXXX as XXXX wouldn't, but I was wrong, they came back with the same answer as XXXX and wouldn't call XXXX either. I then called my Credit card company opened a dispute and explained what had happened and asked them to call XXXX to verify the information.On XX/XX/XXXX I received the response they had proof the merchant sent the merchandise, I called them ask them if they had called XXXX to verify and they told that they won't call XXXX. I asked them how they could say they were investigating if they don't ask questions? I then called XXXX again and explained the situation I was having with XXXX, XXXX and my credit card company. XXXX then emailed me with the information I was looking for, the actual address where the package was delivered to. I faxed this to my credit card company on XX/XX/XXXX and called to comfirm that they had received the information, which they did. On XX/XX/XXXX I received a letter with so called " proof '' from my credit card company stating the merchant has not violated the terms and conditions of the contract, I called them to ask why and they again said that they have " proof '', I asked about the proof I sent them and they said they were disreguarding that proof. I am sending you a copy of their XXXX deliver confirmation they sent as " proof '', if you notice on their XXXX form it says the package was left at the front door however it does not have my name on it or even a street address listed, this is their proof? I pointed this out to them but they didn't seem to care. I have also attached a copy of the email and attachment I obtained from XXXX. I don't expect you to just take my word so please call XXXX ( XXXX ) and give them the tracking number and ask them if it was sent to my address, both can be found on my XXXX order confirmation which is also included in the files I sent. Thank you for all your help in this matter!
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| 08/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT BRCLYSBANKDE XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Flexible spending credit card Credit Card Flexible spending credit card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$590.00} {$590.00} {$590.00} Date Opened : XXXX XXXX XXXX Balance : {$15000.00} {$15000.00} {$15000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$16000.00} {$16000.00} {$0.00} Credit Limit : {$16000.00} {$16000.00} {$16000.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XXXX XXXX XXXX Comments : - - Amount in H/C column is credit limit Flexible spending credit card Date Last Active : XXXX XXXX XXXX Date of Last Payment : XXXX XXXX XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK OK OK OK OK THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
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| 02/23/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I received a phonecall on XXXX from a collection Agency alleged that I oye a bank money from a card that I didn't know even existen. When I call them they give me XXXX different scenarios from Barclay bank.
XXXX. That I was the only person in the account XXXX. That I was the principal and that my ex partner was authorised XXXX. That he was then principal and tas he went in bankrupcy I had to pay.
I contacted several times the bank to find out what really happened and all they give me are XXXX different scenarios.
Also told me once I wasn't RESPONSIBLE for this at all and that this was a fraud made by someone else.
I didn't know about this card and didn't nade any charges.
The cards statements and all where sended to a PO ox not related to me but to my ex partner and his wife.
My ex partner we where separated 12 years ago I never asked or authorise no one to use or received ever a credit card from this bank Barclay 's sended cards and statements when this account was already canceled by me.. also send cards and renovations .... someone call them and even changed the adressnon file as the adress they give me wasn't mine The account I don't even have a number for ... all I know is my info is there associated.
I receive the first letter from the. On XX/XX/XXXX stating that I will need to pay .. and that I'm responsible for something I didn't authorise.
How they investigate in a day as I oppened the fraud claim the same day the letter is endorsed... they should've investigated the adress and also the bank account who was making all the payment for all those years .. that credit card was used by the person who used it as if it was his hers ....
The charges where not mine also Someone ese who I didn't authorise use this and also payed the credit card .. not me The unauthorized person is XXXX XXXX XXXX XXXX my ex partner and his phone number is XXXX XXXX XXXX he was using without my consent this cc and also I wasn't aware even of the existence of this credit card.
I file a fraude claim and they told me that they conclude that I was RESPONSIBLE and the charges where made by me or someone who had the AUTHORITY to made the charges. This is not true.
I have never had a credit card with this bank ever .. also the adress on file that they where giving the supposed credit card wasn't mine I found this was my ex partner adress..
How did this person or bank has and credit card using for over 12 years without consent ....
They send me this first ever letter on XX/XX/XXXX ... to the adress I have been living for the past 12 years with my actual husband. This is the first time this bank ever write to me or contact me.
Please help me as this situation is horrible and I'm not going to pay for something I have not use that is not mine and the bank is the only one RESPONSIBLE for all this. If you see all my accounts are and has always be in good standing ... payed on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX Bank Barclay 's Phone pf investigation dept XXXX XXXX XXXX Credit supposed to be since XXXX until now and the amount is XXXX, XXXX dollars
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| 02/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/2023, my Barclays Master Card ending in XXXX was stolen from my purse while I was at the XXXX XXXX in XXXX, PA ( I was at the gym from approximately XXXXXXXX XXXX until XXXXXXXX XXXX ). The thieves traveled to the XXXX XXXX and XXXX stores in XXXX, PA ( approximately XXXX XXXX XXXX from the XXXX XXXX ) and made unauthorized purchases with my Barclay Master Card ( as well as other cards that had been in my purse at the time of the theft ). I noticed the theft at approximately XXXXXXXX XXXX on XX/XX/2023 and contacted XXXX XXXX XXXX of the Pennsylvania State Police to report the theft and fraudulent use of my credit and debit cards. XXXX XXXX provided me with his report number ( XXXX ) reference the incident. XXXX XXXX was able to confirm while I was with him that Target had video surveillance of the unauthorized purchases at their store and confirmed that the user was a XXXX individual ( which I am not ).
Later on the evening of XX/XX/2023, I contacted the customer service phone number of Barclay Card and reported that my card had been stolen and that unauthorized purchases had been made earlier that evening. Based on information I was able to learn from logging onto my online account, it appears that two transactions were attempted using my Barclay Card, both at XXXX XXXX in XXXX, one in the amount of {$1000.00} and another in the amount of {$1600.00}. A fraud investigation was supposedly initiated, my account was closed, and a replacement card with a new number was ordered.
On XX/XX/2023, I received a letter from Barclays dated XX/XX/2023, indicating that their fraud investigation was complete, they determined that the " activity is valid based on your previous purchase history with the merchant '' and that the charge would be returned to my account. This letter referenced the {$1000.00} transaction from XXXX XXXX on XX/XX/2023.
I faxed and mailed a letter dated XX/XX/2023, to XXXX in which I explained the situation, how the theft had occurred, provided the police report number and contact information for XXXX XXXX, and requested that the fraud investigation be re-opened because the charges made on my card on the evening of XX/XX/2023 was not authorized by me.
On XX/XX/2023, I received a second letter from Barclays dated XX/XX/2023, indicating they had again completed their investigation and determined the " activity is valid because the card was identified as being in your possession and chip card technology was used, which can not be counterfeited. '' Again, they referenced the {$1000.00} transaction that occurred on XX/XX/2023 at XXXX XXXX in XXXX, PA. As stated above and as reported to 1 ) XXXX XXXX XXXX XX/XX/2023, 2 ) Barclays fraud department by phone on XX/XX/2023, and 3 ) Barclays via letter dated XX/XX/2023, the card was not in my possession when it was used because it had been stolen earlier that evening. I did not authorize anyone to steal my card or use my card. Barclays has refused to contact the police or conduct a meaningful investigation of this matter and is claiming I am responsible for the unauthorized charge in full.
|
| 09/27/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
|
|
On XX/XX/2023 i purchased an engine from XXXX XXXX owns a XXXX locating services. I gave XXXX credit card information to charge my card for {$7000.00} the {$7000.00} charge appeared on my app letting me know that the transaction was completed. XXXX informed me that the funds were not available to him on his side. I had a carrier there to pick up the engine but they would not release the engine because the funds were not available to him at that time. We agreed to cancel the original transaction by having him, reject it to make the funds immediately available back to me. I then called Barclays my credit card company on a three-way call with XXXX to make sure that when he rejected the original payment of XXXX that it came back to my credit card. Once XXXX assured me that the money was returned on XX/XX/XXXX, i then approved a {$3500.00} charge to XXXX and then I sent him {$3500.00} through cash app to complete the transaction of a purchase of a {$7000.00} engine. The XXXX {$3500.00} transactions appeared on XXXX systems and he then released the engine. A few days later, I noticed a an additional charge of {$7000.00} from XXXX XXXX locating services which is XXXX business. I called my credit card company to dispute the additional {$7000.00} charge that process went on for a few weeks, there was some confusion about what I was disputing. They refunded me {$3500.00}. I wasnt sure why I told them again that I was disputing the additional {$7000.00} charge because I sent XXXX XXXX locating services XXXX payments of XXXX which completed the purchase of a {$7000.00} engine. Barclays then took the XXXX credit back. I sent them proof of the XXXX transactions of {$3500.00}, XXXX on the credit card and the other on cash app. I was then informed that the time to dispute the transaction was outside of their terms of disputing transactions. I called back and stated that I disputed this transaction a few days after I noticed the additional charge. Barclay said that that dispute was closed because I already received a credit of {$7000.00} but that credit was because he rejected the original purchase not because of a result of a dispute. And because of all the back-and-forth now theyre telling me that its too late to dispute the same {$7000.00} additional charge that I was asking them to look into from the very beginning but now its too late to dispute. The original credit of the XXXX that I received was because the merchant and I agreed to reject that transaction because the funds were not showing to be available at that time not sure why maybe because of the time of the day had something to do with it because I think it was like XXXX. So we decided to break it up into two smaller transactions. There was no dispute there. We agreed on that with Barclay on a three-way call with the merchant because I wasnt going to authorize an additional {$3500.00} transaction until I felt comfortable with the original XXXX credit return to my cart. So buy them closing the my original dispute that was an error on their part not mines. Please help because Barclays is not playing fair.
|
| 03/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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|
Dispute with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Case # XXXX XXXX XXXX Tracking Number : XXXX Aloha Sir, As a long time user of XXXX XXXX and their credit card Im contacting you to say you are my last best hope. Im having trouble getting a satisfactory resolution to my dispute with Barclays and XXXX XXXX XXXX over their payment of a transaction I made on the internet which I tried immediately to cancel because it wasnt what Id ordered.
This whole situation has been very frustrating, time consuming, and disappointing. Please note the number of case numbers, representing people in Barclays Dispute Department that Ive talked to and the number of times that Ive had to repeat my story needlessly. Ive lost faith in both XXXX and my XXXX XXXX Credit Card.
The XXXX website was flakey when I made my purchase, requiring me to keep replacing the duvet size before I could order. Then when I received the receipt within minutes of placing my order it showed the wrong size which made it useless to me. I responded immediately ( XX/XX/XXXX ) by email to say that it wasnt what I ordered. No response.
The next day I received an email thanking me for my purchase. I responded ( XX/XX/XXXX ) again saying that this was not what I ordered and that it was not an acceptable change and tried to cancel the order. No response.
The next day ( XX/XX/XXXX ) I contacted XXXX with whom Id made the purchase to ask them to cancel the purchase because it wasnt as requested. It was shortly after that that I registered my complaint with my XXXX XXXX Credit card online.
Apparently by reporting the dispute to my XXXX XXXX Credit card company XXXX dropped the original dispute. They didnt tell me this.by the way. Which is funny because later Barclays would tell me that I should pursue my case through XXXX.
XXXX XXXX from Barclays the Office of the President called after I complained to XXXX XXXX at XXXX XXXX XXXX in XXXX. XXXX had gone to bat for us and relayed our complaint to a higher up which we appreciated. Now doesnt return our phone calls.
However, XXXX XXXX from the Office of Barclays President said they denied the claim because a ) the vendor had fulfilled their end of the transaction and b ) contacted us twice. Neither is true.
Not once did I hear from the vendor and no, they did not fulfill their end. All I heard from them were their advertising emails They were notified the item was not what I ordered and chose to not respond. Barclays chose to take their word over mine, a long time XXXX XXXX customer and card holder.
If you check the USPS timeline youll see that the package wasnt accepted for shipping until XX/XX/XXXX and probably not shipped until XX/XX/XXXX. Again the XXXX timeline will also tell you that I didnt receive the package until XX/XX/XXXX and without opening it refused the delivery on XXXX for which I have a USPS receipt..
XXXX XXXX from Barclays informs me that XXXX had received the package and they say they couldnt accept it because of the pandemic. So Im out {$120.00}.
Please help me get my money back.
|
| 07/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Older American |
|
On XX/XX/XXXX I ( XXXX XXXX XXXX initially called Barclay to inquire about lowering the interest rate on my credit card ( ending in XXXX ) due to making consistent on-time payments and based on their periodic review of my account standing. Per my inquiry, the customer service representative indicated that they ( Barclay ) does perform periodic reviews of my account which includes a review of my credit score as well as a review of my general account standing over time. Further, I inquired as to the last time they pulled my credit report to ascertain my credit score and they indicated they did so quarterly. In accordance with the Fair Credit Reporting Act, I requested my credit report for the last quarterly review they performed and they declined sending me ( XXXX XXXX ) my report per their review ; after having admitted they pull the credit report in order to ascertain the credit score. After requesting a supervisor and repeating the same issue and inquiry results to them, they confirmed that they do, in fact, retrieve my credit report in order to receive the consumers credit score during their periodic review but I noted that I neither received a notice that my credit report was pulled nor was I contacted via letter with the results of said pull. Finally, I requested the results of their last periodic review with the intent of lowering the interest rate on the aforementioned card ( ending in XXXX ) and they noted that my account did not qualify for the lower interest rate or any promotional rates in accordance with their review parameters.
On XX/XX/XXXX I spoke with Barclay again regarding the interest rate and the periodic reviews of the aforementioned card ( ending in XXXX ). Upon reviewing the signed consumer agreement ( which was signed in XXXX upon opening the account ) it noted that any reviews of consumer reports or credit scores associated with rendering services in accordance with the agreement will abide by the FCRA legislation and any and all associated regulations. After speaking with customer services representatives and supervisors regarding the same complaint for the second time, they noted that my account once again ( per their review ) did not meet the requirements to attain a lower interest rate or any promotional rates.
I ( XXXX XXXX ) am writing the CFPB in the hopes of shedding light on Barclay 's practice of not sending consumers their credit reports in accordance with FCRA as well as not abiding by their own internal processes and procedures within their consumer lending practices. Additionally, failures in controls and control environments intended to gain assurance over the fact that their current processes and procedures are aligned with federal and local regulations can not be operating effectively. I am requesting intervention in obtaining the reports they pulled. If they can not furnish the reports I am requesting intervention on the basis of fraud, in the sense that they are baiting consumers into signing agreements and promising services they are simply not rendering. I request indemnification in part or in full.
|
| 11/22/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
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|
Web |
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XXXX Bank account created at Barclays Bank Delaware ( XXXX ) XXXX Initial funding complete ( money transferred from Bank A to Barclays Bank Delaware ) XX/XX/XXXX Received e-mail that my account had been suspended.
XX/XX/XXXX Called Barclays, XXXX. They requested drivers license, social security card, and utility bill. The requested identification was provided via e-mail within XXXX minutes. No specific reason was given for the suspension.
o I had tried to set up external accounts for Bank A and Bank B between XXXX and XX/XX/XXXX I do not know exactly when. No amount of money was requested to be transferred I was just trying to have the accounts set up so that I would later be able to transfer money when needed.
XX/XX/XXXX Called Barclays, XXXX since I had not heard anything. They said I should send the latest account statement for Bank A and Bank B accounts, both of which I had tried to set up through external transfer. They told me to wait until Friday XX/XX/XXXX for resolution.
o Note that Bank XXXX is the XXXX originally used to fund the Barclays account. Bank XXXX is a different bank.
XX/XX/XXXX My account username is no longer valid. It had been saying the account was suspended on previous login attempts, but now the online account is completely gone.
XX/XX/XXXX Received e-mail stating We have confirmed your external bank account, and it has now been successfully linked to your Barclays account ( XXXX ). XXXX minute later, I received another e-mail saying that my account was suspended.
XX/XX/XXXX Called Barclays, XXXX. Spoke to XXXX. They need a more recent statement but there are none since Bank XXXX only provides quarterly statements, and the account in question is a new account, created on XXXX. Bank XXXX last statement for my combined accounts there was end of XXXX, so the next statement wont be until the end of XXXX.
XX/XX/XXXX Called Barclays, XXXX. Spoke to XXXX. She requested I send an Account XXXX XXXX including account number and first/last name as owner of account because the account at Bank XXXX was too new to have a full statement.
XX/XX/XXXX Called Bank B, XXXX. Spoke to XXXX. Bank XXXX can not create an Account XXXX XXXX because it's a newly generated account. It could take 60 days. Barclays indicated that I had 30 days from the beginning of this investigation to provide all necessary information.
XX/XX/XXXX Sent screen shot of account information page from Bank XXXX to Barclays, which includes account number, name, and balance more than what was requested by Barclays.
No response received. At this point, there is no way for me to provide any additional information, and Barclays will not unlock my account. I will fail to meet their 30 day deadline, and I am concerned that they will take the initial deposit. The account should never have been locked. An appropriate action would have been to block external transfers until the necessary identification information could be obtained.
Note : I am not attaching any attachments below to document what I sent Barclays as all attachments would contain personal information.
|
| 11/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
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|
On XX/XX/XXXX, a payment was initiated of {$800.00} out of my checking account to my JetBlue Barclay credit card. The payment came out of my checking account twice on XX/XX/XXXX causing my checking account to be in the negative. This second {$800.00} withdrawal did not reflect onto my credit card. I contacted my bank which told me they would rectify it by reversing one of the payments. They did so immediately, and the money was placed back into my bank account. By doing so, Barclay credit card then saw this as a dispute on the initial {$800.00} payment, charged me {$27.00} in a reversal fee and put the {$800.00} as a chargeback onto my credit card balance. ( Still out {$800.00} now ). I contacted Barclay immediately on XX/XX/XXXX and they stated they were aware of a lot of customers who were charged double and they were working on reversals. I was refunded the {$27.00} reversal fee and was given a case number ( Case # XXXX ). I was contacted by a Barclay case representative, XXXX on Sunday, XX/XX/XXXX who asked me to please email a screenshot of this double payment out of my bank account and to email it to XXXX which I did so on XX/XX/XXXX. I have sent over 5 emails since with a follow up with no email response. I called back Jetblue Barclay a week later to follow up. They contacted by XXXX who said they were still working on it and to please be patient. During this time, I have been accumulating interest on my {$800.00} charge back in my credit card account. On Saturday, XXXX I contacted Barclay again to follow up on the case. I was told that they would look into it but if the second charge of {$800.00} on XX/XX/XXXX did not reflect on my credit card statement then I should dispute the second charge as well because it will then throw up a red flag on their end or the bank 's end. I called my bank right after ( XXXX ) and started the process. By XX/XX/XXXX, the {$800.00} was reversed and put back into my checking account. I thought this accounting nightmare would be over. Nope. On XX/XX/XXXX a {$27.00} reversal fee and {$800.00} chargeback was placed yet again onto my credit card. I called Barclay XX/XX/XXXX demanding an explanation and a follow up on my case. They stated that it was all taken care of and the case was closed. I now see that they tried covering their tracks that two {$800.00} payments were reversed but they never acknowledged the first payment onto my account, hence me being out {$800.00} still. The representative could not explain how it was taken care of and when I further questioned the outstanding {$800.00}, I was told they have to open a new case and the new case number is XXXX. I am livid. I have been without {$800.00} now back and forth for a month now. I am beside myself and don't understand why there isn't a capable person that can help me on their end. If Barclay looked at their credits and debits in my account, they would see that now they have taken one {$800.00} payment out of my bank account and charged me back {$800.00} TWICE into my credit card account. Any assistance to rectify this would be greatly appreciated.
|
| 05/25/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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In late XXXX someone made four fraudulent charges on my credit card account. I reported them to Barclays customer service. The customer service agent said they would remove the charges from my account. They closed my card and issued me a new one immediately. Approximately a week and a half later I received a letter from Barclays fraud investigation. The letter said that they had concluded an investigation and found that I was in fact responsible for the charges and placed them back on my account. I called Barclays customer service to tell them that i did not make the charges and got transferred to fraud investigation and spent 6 1/2 hours on the phone trying to tell them that I did not make the for fraudulent charges. Most of the people that I spoke with in fraud investigation did not believe me. After six hours on the phone I finally got a hold of an agent who listened to me. She was the only person that would look further back in my account. She looked just three weeks back in my account and found that Barclays had accidentally sent someone else a second card linked to my account. She told me that this was evidence that I did not make the fraudulent charges and that they would be removed within 48 hours from my account. 48 hours past and the charges were not removed. I called customer service they told me to keep waiting. After six days the charges have not fallen off. I called fraud investigation again having to wait 45 minutes on hold to get anyone to pick up the phone. They told me that it was a mistake and that the charges would be removed in 48 hours. I went back into my account approximately 24 hours later and the charges had been removed. I thought the issue has been resolved. I was wrong. Approximately 36 hours after the charges had been removed Barclays put them back on my account. I had to call fraud investigation again. After speaking with them again they told me that it was a mistake and they didnt know how the charges got put back on my account and that they would remove them. Approximately 48 hours after this call I went back into my account and saw that it was a mess there were additions and subtractions and negatives and positives and it made absolutely no sense. This is terrifying and I called to close my account. When I closed my account I was informed that my account had an {$800.00} credit. This makes no sense if they removed fraudulent charges the balance should be XXXX there should not be a negative credit on my account. I feel like this is a set up. I feel like they are hoping that I cash the check and then they are going to go back and say that they completed some investigation and that I owe them the money and take me to collections. And in doing this they are attempting to ruin my credit. Barclays is a predatory financial institution. People should beware. If I was an elder or a single working parent I would not have had the capacity to try to resolve this. And even with my capacity, this issue may not be resolved. This is one of the most terrifying things that has ever happened to me as a consumer in my entire life.
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| 01/12/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
Older American |
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age XXXX Real Estate agent wife age XXXX Wife does fraudulent charge backs for XXXX XXXX and XXXX Arizona residents Our XXXX and XXXX XXXX Card was used to pay for the purchase of XXXX vacation points.
A XXXX card number has not yet been assigned XXXX XXXX, XXXX XXXX points purchased {$12000.00} purchase price {$3000.00} down charged to XXXX XXXX {$9300.00} was charged on a XXXX but we have not heard anything from that card. XXXX said there is no balance on the XXXX card as of XXXX XXXX, XXXX.
Summit XXXX Sales agent from XXXX Sales Manager XXXX XXXX XXXX XXXX, XXXX This is what we sent to XXXX XXXX XXXX concerning false promises.
To XXXX XXXX XXXX XXXX We have disputed our XXXX credit card charge used to purchase XXXX points due to services offered were not as described as we were sold by deceit and bait and switch. We want our contract cancelled. We specifically said we wanted to stay in Hawaii and XXXX XXXX sales agent XXXX XXXX said staying in Hawaii would be no problem if we purchased XXXX points. After getting on the booking site ( after the rescission period ) we learned this would not be near enough points to stay in Hawaii or other locations we were interested in. The presentation was very high pressure lasting over six hours. In addition, we are disputing an additional {$150.00} charge because we tried to cancel a XXXX event, but the person never returned our phone calls.
I contacted XXXX XXXX because I had contacted XXXX XXXX XXXX and XXXX and wanted to know if we should go through a company like that. XXXX XXXX said both companies were scams and suggested I contact XXXX XXXX XXXX XXXX asking our loan be cancelled and to forward the information to you about the two timeshare exit companies I cancelled, XXXX XXXX XXXX and XXXX.
Please let me know by XXXX XXXX your decision before we file additional regulatory and law enforcement complaints. I did file a complaint with the Arizona Attorney Generals office.
XXXX XXXX This is what the scam company is charging.
The timeshare exit company XXXX {$2400.00} upfront to cancel timeshare XXXX {$200.00} account set up {$500.00} research and discovery 10 hours Email and XXXX XXXXt review5 hours for {$250.00} Document prep for 11 hour {$580.00} XXXX XXXX 16 hours at {$570.00} Rebuttal letters XXXX hours {$150.00} Negotiation letter XXXX hours for {$150.00} Other {$68.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX wanted me to call him back. He knew I was calling about XXXX XXXX.
I logged into the XXXX and looked for trips. I looked for trips. I tried to book in XXXX but there was only availability in XXXX. We were led to believe we could get a couple vacations a year. We were told it would be no problem staying in Hawaii which is where we said we wanted to stay. In no way will XXXX points allow us to stay in Hawaii.
Paid {$150.00} for three days in XXXX and we had ten days to cancel. We called XXXX in XXXX XXXX to cancel the weekend. We never got a call back to cancel.
Disputed XXXX services promised were not services delivered this past Saturday XXXX XXXX, XXXX.
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| 08/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American |
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After noticing pooling of water in our front yard, on XX/XX/2022 we contacted XXXX XXXX XXXX to come out and diagnose the water pooling issue. They arrived on the morning of XX/XX/2022 and surveyed the issue. They created an estimate indicating that there was a leak on the pipe feeding water to the home. The original estimate included tunneling beneath the foundation slab with a XXXX XXXX tunnel, chipping the slab to gain access to the leaking pipe, an engineering report .for a total cost of cost of {$6300.00} They requested a deposit prior to proceeding with the work. We gave them our Barclay 's credit card number and they charged {$1200.00} to begin the work. They had asked me to sign the original estimate, however, their computer tablet was not functioning, so we were unable to sign the estimate.
They proceeded to dig the hole and reached the pipe that fed the house. It was found by the excavation crew that the leaking pipe was accessible without having to dig beneath the slab. so once they dug the hole of XXXX XXXX, there was no need to dig any further. They repaired the pipe and were ready to fill the hole. I inspected the job and noted that they did not chip the foundation slab. Before they filled the hole I mentioned to them that they should remove the fee associated with chipping the slab. I then reviewed their estimate and called the city of XXXX XXXX to see if the repair would require an engineering report. The XXXX of XXXX 's permit desk stated that no engineering report was needed. I contacted XXXX XXXX plumbing to tell them to deduct the chipping of the slab and remove the charge for the engineering report. They told me that they would do so. Next I got a call from XXXX XXXX 's accounts receivable department and they told me that they needed to get a final payment for the repair. I told them that I needed a final invoice to verify that the line items had been removed. They then told me that if payment was not made that they could put a lien on the home.
I told them that I also wanted them to adjust the charge for the size of the tunneling hole because it was not XXXX ft as quoted in the estimate, but rather XXXX ft. Instead of sending me a final invoice, XXXX XXXX proceeded to charge my credit card. After they charged my card account, then they sent me the final invoice.
At no time did I EVER sign any invoice or charge slip from XXXX XXXX. I specifically told them NOT to charge my card until I had approved the final invoice. I had not signed ANY document from this company neither the estimate, nor the final invoice. After confronting them, it was clear that they had significantly overcharged me for the repair.
Subsequently, I another plumber come out for a similar type of repair and I asked him to provide me with an estimate for the same repair that XXXX XXXX had performed. This plumber quoted this same repair to be {$1800.00}.
Several times I contacted XXXX XXXX to discuss the matter, however. they refused to engage me on the issue even though they charged my card account without authorization or a signature.
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| 04/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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The discovery of the violation of my consumer rights was brought to my attention last year and I began attempting to resolve this issue directly with Barclay in XX/XX/XXXX, however, the violation has been confirmed in effect since XXXX. This account was Closed by the creditor with a balance in XX/XX/XXXX ; this means the existence of the online account is still active, but they have refused to comply with granting access to view statements as well as denial of requests to opt out of paperless statements. I have paid well over what I originally owed on the account as well as an unfair excess due to the unjustly imposed late fees and interest directly resulting from their refusal to abide by federal law and extreme hardship in attempting to contact customer service and/or obtain assistance when actually reached. Despite asking for Terms & Conditions several times and being told these can ONLY be mailed, they were never received.
Attachments include summaries of a selection of calls ( demonstrating the consistent misdirection, unfulfilled requests, and downright lies and bullying by both reps and managers ) ; copies of the emails received that reps claim to meet requirements for sending statements ( Emails are ONLY notifications that my statement is ready and can only be accessed by logging into the accountwhich I cant, because they a ) refuse to provide the information required to reset the login and/or lie about how to obtain the information and b ) even if it was restored, I have been informed statement access is denied for limited online access. ) I have not been able to monitor charges by Barclay or properly manage payments for 4 years due to their deliberate refusal to provide access to statements. I have confirmed with CSRs, managers, and other cases filed that this is a KNOWN issue and deliberate ( for those that are even aware of it and not the reps that are trained with false and misleading information ). I had to assign a proxy to assist with this matter due to the severe impact on my work, limited availability to remain on hold for hours, repercussions of this taking up work hours, and extreme impact on personal time and appointments to continuously review materials and research with counselors. I have avoided making this an official case with my legal representative to try to give Barclay a chance to resolve this on their own and avoid additional expense for both parties, however, I do not believe any progress will occur without official intervention and would still like to provide them an opportunity to resolve this first. Therefore, I am requesting assistance in the enforcement of the Credit Card Accountability Responsibility and Disclosure Act of XXXX, Regulation Z, as Barclay Bank clearly continuously transgressed 226.5 ( b ) ( 2 ) ( ii ), " 21-Day Rule for Delivery of Periodic Statements '', both paper and electronically, and the Electronic Signatures in Global and National Commerce ( E-Sign ) Act, 15 U.S.C. 7001 ( c ) ( 1 ), refusal of the right to withdraw consent for electronic delivery and resume paper statements.
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| 10/23/2015 |
Yes |
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- Closing/Cancelling account
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Web |
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I had few accounts with Barclaycard US and called them in to get my accounts closed. They then asked me to stay on with their company, in exchange for a retention offer, which they promised to put bonus points on my account, after some different charges I will put on my account. so I stayed on with them. However, I soon realized this was a gimmick, and they did n't even give me the chance to do so. it was just for them ; to be able to suddenly close it without notice, instead of me doing it, so to be able to steal my rewards, and to get it reported on my credit report as closed by credit granter, resulting in a significant decrease to my credit score. Also they charged me interest on a balance transfer after assuring me I wo n't be charged. When I questioned them as to why they decided to grant my request to close it..? their answer was : 1 ) since I drastically went over my credit limit, 2 ) had three returned payments, 3 ) opened to many accounts past year. To Clarify : 1 ) This is odd even if I would 've not have paid, as with every other bank either they do n't allow you to overcharge, or it 's no issue, especially weird of course after I paid almost full balance. And even more strangely upsetting after advising them that these charges were made without my consent. 2 ) Explaining them issue with returned payments, furthermore, In the past they also once in error stopped a check sent to me causing me damage and bad image. 3 ) I had no problem while starting the relationship with them, although I always had many accounts. 4 ) In addition to the above referenced account, all other accounts including my wife 's, were closed, even where no issue occurred at all. All this happened only after I warned them I 'll report them to the CFPB, and start litigation against them, since they were refusing to send a mid cycle update to the credit reporting bureau about a very large payment I made on my spouses account, right after the statement closed with a high balance, saying they do n't do this service, no matter damages causing you, which is ruining my score as well, being that I am an AU on the account. Despite the fact, that they did update right away the closure of my account done by them, even though it was still open on the closing date of the statement. They are not acting in good faith as every other bank would 've done to send an update to the bureau, even after I advised them of the damage it 's causing to my report having a large balance. They are also refusing to rectify the reporting as closed by consumer. I had a very big lost by using their cards above other companies, especially that they are not allowing me to redeem my rewards I legally earned by using the card and paying for it. I also just upgraded my aadvantage card to be able to earn XXXX miles and lost out on that as well. Barclays bank is being misleading and violated federal regulations by charging me interest on a balance transfer I was promised it will be free of interest. NEVER SEEN A BANK BEING SO UNFAIR MISLEADING, STUBBORN NASTY, UNACCOMMODATING, AND IMPROPER!
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| 02/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I had called XXXX when I was having difficulties obtaining a new car when I was stuck in XXXX, XXXX. Based on what I had been told in early XXXX, when I was on the phone, the representative told me after she had removed the incorrect addresses that my credit score would be XXXX. To my embarrassment at the car dealership, they showed me that the credit score was affected by a charge off from when my daughter had used my credit card and the amount was PAID IN FULL by me by negotiable instrument and remittance coupon with MONEY ORDER tendered by me to Barclays Bank over XXXX years ago! I had no idea that the interest was still running. According to the rules of the statutes when tender is delivered, interest and late charges must stop! XXXX had still not removed it and neither did BARCLAYS have my permission to share my private information to any third party. When in XXXX of this year, after being turned down by a few banks for financing due to that erroneous income as charge off or discharge would be considered income by the IRS, that should not even be on there. So, I did write to XXXX and I do believe that I am having retaliation based on me opting out of negative adverse reporting and asking for those harmful adverse information of my private information being shared to the public. I received XXXX letters of adverse action which goes agains HJR 192 & Public Law 73-10 as well as title 18, 8, the law also states that Credit Reporting Agencies do not have authority to report as they are not government but they could be construed as financial institutions in commerce using credit data as money. They make a profit with data sharing.
XXXX on the phone let me know that XXXX called XXXX and " ordered them to reduce my credit limit from XXXX down to XXXX. '' ( I believe that is a code ) and I have received all of the credit reporting agencies with the same notice along with the car dealership letting me know of the lowered credit score and adverse action.
These are damaging against my person and harming me. I opt out of negative reporting as it goes against " the privacy act ''. I believe I am being cyberbullied with my credit report as it has harmed me and I could not get a car and had to stay in hotel rooms until my car could be repaired and it took me about XXXX weeks to get home.
These credit agencies are being paid by the companies and this is a XXXX violation of racketeering against my " full faith and credit '' .I demand that my score be restored to the highest score and all negative inquiries about my personal business be removed as it is harmful for the economy and all of these companies are being paid in full with negotiable instruments or they are using my credits open ended account and benefiting from the Racketeering scheme that they charge for companies to acquire information and I also would like proof that they also pay companies to report to them so that the people will have to pay higher interest rates or be turned down for credit when no one should be turned down based on title 18, 8 and HJR 192, public law 73-10.
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| 07/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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1 ) Barclays took over a branded XX/XX/XXXX card from XXXX in XX/XX/XXXX
2 ) For 3 years I used XX/XX/XXXX, and paid XX/XX/XXXX with 0 late pays or problems. In fact, I've had a credit history since XXXX, and never had a Late Pay on any card, loan, or obligation, and have an unblemished credit report in terms of never being late for > 35 years as a consumer.
3 ) Barclays did a horrible job in conversion in verifying correct email address, apparently.
4 ) I have talked to 6 Barclays Reps since XX/XX/XXXX to try to resolve this issue.
5 ) From all these conversations- this appears to be the facts : - Account conversions from XXXX to Barclays for XXXX cardholders took place XXXX, XXXX.
- I was receiving emails from XXXX and Barclays in advance of conversion at XXXX.
- Barclays did very little in terms of email validation. For instance, in setting up this CFPB comparing there is an email verification that takes place. Barclays did not do any email validation when I was asked to setup an account with Barclays.
- It appears Barclays, even though they had my correct email initially from XXXX, allowed for a typo to result in account setup, or Barclays set up my email wrong. Email was set up as XXXX -- according to my phone conversation with a Barclays rep.
- I use the card very little, so initially had a pay problem in fall, but rectified it before credit report was hit. Barclays did not ask for email verification at that time either.
- My wife used card in XXXX, XXXX - unknowingly to me. The bills were not coming to me, as the Email address was wrong.
- In XXXX, XXXX I was alerted by XXXX XXXX of a 30 day late pay notice. I've never had one of these in 35 years of credit usage.
- I immediately called Barclays, on XX/XX/XXXX - and paid the bill in full. I had not received the Any Bills from Barclays --- they said the email address was with the wrong two " ee 's '' in my name was valid, so they won't change the late pay notice on my credit report.
My credit report dropped XXXX points with on bureau.
- Everyone at Barclays agrees I had wrong email, it is corrected now. But, no one will go back and make a " technology error '' adjustment and remove the Late pay. They say I have to have it on my report for the next 7 years.
- Now, I'm getting emotional because of writing this. After XX/XX/XXXX hours of conversations with 6 representatives, still no one will repair / correct this issue.
- Barclays is taking now responsibility for poor conversion practices, that didn't validate emails, and not taking an consumer friendly approach to fixing a mistake.
- The late pay was only {$400.00} by the way, and it was paid within one hour of me realizing there was an outstanding balance. My wife 's use of the card ( and me not knowing ), and her thinking it was on " auto pay '' are the additional details that explain the mistake.
- I remain Shocked that no one at Barclays will be more reasonable to this, given the whole problem arose from an Account conversion without adequate controls in place to avoid an accidental typo that occurred.
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| 07/13/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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Dear CFPB, This complaint concerns Barclaycard 's refusal to satisfactorily resolve fraudulent charges that were made to my credit card account in XXXX and XX/XX/2017. I have attached the letter that I sent to Barclaycard to describe the issue and to request resolution. Instead, Barclaycard has hounded me for the past year, plus.. When I refused to pay the fraudulent charges, Barclaycard reported me to the credit reporting agencies as having a delinquent account. This was after I had closed the account. It has lowered my credit score from over 750 to under 680, which has cost me addiitonal financing costs due to the lower credit score. Still unsatisfied, Barclaycard has now threatened to file a lawsuit against me. Please make them stop!
Here is what happened : I logged on to the Barclaycard web site in late XX/XX/2017 to make my regularly scheduled payment on my promotional balance. I had opened the Barclaycard as a promotional card to purchase two XXXX computers. For that, I was promised special financing in doing so. There were no other authorized charges on the Account. Thus, I was shocked and horrified to find thousands of dollars of charges over XXXX charges to XXXX XXXX. I immediately called Barclaycard and reported the charges as fraudulent. I recall the Barclaycard representative accessing the Account, reviewing the charges, and agreeing that they looked fraudulent based on my usage history. That same day, I went to the Barclaycard web site, filed a written report to the same effect, and paid the remaining authorized balance. Shortly thereafter, Barclaycard closed the Account and I lost access to the all of the charges. I received a letter from Barclaycard dated XX/XX/2017 and assumed Barclaycard had attended to investigating and resolving the matter.
Sometime later, in XX/XX/2017, I began to receive robo calls from Barclaycard. I spoke with XXXX of Barclaycards Fraud Investigation team on XX/XX/2017. I reported the fraudulent charges to XXXX, and he assured me that he would get the matter concluded. Then I received another letter from Barclaycard dated XX/XX/2017, concerned some account ending in XXXX ( the Unauthorized Account ). I have never applied for the Unauthorized Account nor do I have any knowledge of how it came to be or how there has come to be a balance of XXXX. Since I received the XX/XX/2017 letter, however, I began to receive a daily barrage of robo calls notifying me of a balance due. Each time that I returned the calls, the customer service representative would tell me they were authorized to do one and only one thing take payments. They refused to discuss the charges, reported that they lack access to information in Barclays computer systems about them, and were unable to transfer the call to anyone who can.
Again, all the representatives of Barclaycard said they could do was to take payments. I would like barclaycard to stop collection activity, close my account, and send a report to the credit reporting agencies that restores my credit rating to what it was before Barclaycard damaged it.
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| 10/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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On XX/XX/2020 I made a payment using my banks bill pay but I made it to the wrong account. I made it to Barclays Bank ( my XXXX credit card ) instead of XXXX XXXX ( for my house payment ). It was in the amount of {$2400.00}. I noticed the error a couple of days later and called Barclays bank and the gentleman I talked to said that they could reverse the payment back to my checking account with XXXX XXXX XXXX. He said it would take 7-10 business days. So when nothing had happened 2 weeks later I called them back and the gentleman I talked to then said " oh, no we can't do that. '' So I called XXXX XXXX XXXX to see what they could do and they said that Barclays would have to issue the refund. I made several calls to Barclays bank and just kept getting the run around. When I would ask to speak to a supervisor I would get put on hold for an extended period and sometimes get hung up on or the supervisor wouldn't be of any help. After I don't know how many calls I was told that I would have to have a conference call with Barclays bank, XXXX XXXX XXXX and me to solve the problem. On XX/XX/2020 I had that call with XXXX XXXX, Payment Processing Center at XXXX XXXX XXXX, and XXXX in the Settlement Depart. at Barclays Bank. XXXX said that they would refund the payment within 7-10 days ( see attached letter ). On XX/XX/2020 I received a call from XXXX and she let a message on my phone asking me to call her or Barclays Bank. I tried to call her on the number that she call from and the message said " sorry we can't speak with you, we will call you back '' but there was no way to leave a message. So I called Barclays Bank and they couldn't connect me to XXXX but said that the records said the the payment stood and they couldn't refund it. A few days later we received a letter from Barclays Bank dated XX/XX/2020 ( see attached ) saying that our payment inquiry has been resolved and we will see an adjustment on our next statement. When I didn't see an adjustment we called Barclays Bank back on XX/XX/2020 to find out why. They couldn't tell me. I called XXXX XXXX XXXX to see in they could call them and get the answer so we had another conference call with them. XXXX from XXXX XXXX XXXX was on the line and we first talked a gal whose name we couldn't understand and she just told us what the report said so we asked for her supervisor who was XXXX and he said the same thing - couldn't give us a reason that they couldn't refund it so we asked for his supervisor who was XXXX and she finally just said that it had been too long and that I didn't have enough credit left on my card to cover the refund. I told him that if they had done this months ago I did have enough credit. Today if they would do it it would only put me over my limit by {$600.00}. Because of our financial situation XXXX XXXX XXXX twice advanced us the {$2400.00} so we could make our house payment. Now we owe XXXX XXXX XXXX {$2400.00} and we don't have it and we were told it would be credited to our account by Barclays Bank and now they are going back on their word.
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| 08/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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Starting XX/XX/XXXX, my Barclay card and account have been compromised due to me being a victim of identity theft/fraud. I initially noticed on the XX/XX/XXXX to XX/XX/XXXX statement there was charges on the account which were not made nor authorized by me. On my previous statement from XX/XX/XXXX to XX/XX/XXXX, the statement balance was {$1400.00}. The following statement for XXXX XXXX XXXX the new statement balance rose to {$2400.00}. On this statement balance, there were other charges made such as cash advances ( total {$8700.00} ), purchases ( total {$9700.00} ) and other credits ( total {$16000.00} ). For the next statement of XXXX XXXX XXXX, the new statement balance was {$10000.00} with purchases totaling {$5100.00} and cash advance totaling {$2500.00}. Between these statements, I found there was another name linked to the account- the name of a person I have never met nor heard of.
Following the XXXX XXXX XXXX statement, I immediately notified Barclay of this issue and their initial response was to close the account of my first card, issue a second card so I would still have a Barclays card to use while they would investigate the situation in the meantime. After receiving the second card, the same issue occurred again on the new card where there were more fraudulent charges made under the name of the person whom Ive never met. Again, I notified Barclay of the repeated issue and they had the same response as before ; close the recent card I received from, receive another card in the meantime while the company would investigate the issue. This same issue occurred for a total of nine times in which I had to receive a new card while Barclay would close the previous card in order to investigate the issue. In between the nine new cards/accounts which were opened in order to keep the account open to investigate, I only received four of the nine credit cards. The other five credit cards which were opened under my name were never sent to me but rather, I would receive a letter from Barclay stating those five cards/accounts were closed. As of now, the four cards I initially received from Barclay are closed as well. I even notified Barclay to take off this person off my account so they would no longer have access to my account nor make changes to it. Its been 8 months since Ive notified Barclay of this ongoing issue and they have yet to resolve the fraudulent charges on my account. I have made every attempt to follow up with Barclay in regards to their investigation to clear the fraudulent charges off my account and they have given me the same answer - that they are still investigating and will contact me soon. When I last contacted Barclay to give me an update on the investigation, they told me I should expect a response by XXXX XXXX ; I have yet to receive anything from them and it is already XX/XX/XXXX. As of now, the most recent statement balance from XXXX XXXX XXXX is {$16000.00}, further proving Barclay has not acted on the fraudulent charges made to my account despite giving them 8 months to fix this issue.
|
| 07/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I would like to file a complaint and alert the authorities that the 3 credit bureaus, XXXX, XXXX AND XXXX are not operating according to the law and have victimized me numerous times from XX/XX/XXXX to today, XX/XX/XXXX by failing to conduct an investigation on my behalf after I placed a complaint XX/XX/XXXX and XX/XX/XXXX.
They have not been handling my disputes in compliance with the laws of VICTIMS OF ID THEFT. They did not investigate my claim and stop reporting the information even though I submitted all the proper documents. They did not give me investigation results.
Since you are the authorities I pray you investigate their handling of my case and remedy or correct as you see is fair according to the law.
In XX/XX/XXXX I received a letter from XXXX XXXX XXXX claiming I owed {$990.00} to XXXX XXXX a debt collector. I knew that was wrong and it triggered a lot of investigation on my end.
I do not have any payday loans, credit cards, auto loans or mortgages so I KNEW there was a HUGE mistake. I only have 2 XXXX Loans from when I got my XXXX XXXX.
Also, in XXXX I was the victim of CRIMINAL IDENTITY THEFT in California and so I am aware criminals have my information.
I ordered a copy of my credit report and cried for hours after I saw my credit report was completely demolished.
There was debt that DID NOT BELONG TO ME AND I DID NOT HAVE ANY RESPONSIBILITY - 4 credit cards had been opened without my knowledge! They defaulted and were sold several times over between debt buyers like XXXX and other debt buyers.
I filed a police report. I filed a report with FTC and obtained AN IDENTITY THEFT REPORT that I could send to each company.
ON XX/XX/XXXX : I sent a letter, a sworn affidavit, FTC identity report, police report filed with XXXX XXXX XXXX Police Department, copy of my social security card and drivers license to XXXX. XXXX XXXX. XXXX XXXX. XXXX and the Creditors 4. BARCLAYS BANK OF DELAWARE XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Nothing changed. XXXX, XXXX, and XXXX said that the information was verified as accurate so it would remain on my Credit File but a notation would be added to state that CONSUMER DISPUTES INFORMATION.
In XX/XX/XXXX when I requested an investigation AGAIN, my Credit Score went down XXXX points because Barclays Bank and XXXX XXXX XXXX added a negative comment to my file.
No investigation was ever completed by XXXX XXXX OR XXXX AND NO INVESTIGATION WAS EVER COMPLETED BY BARCLAYS OR XXXX XXXX XXXX
It is XXXX, XXXX and I am still waiting for the information I requested from the Creditors regarding the fraudulent accounts and how they were opened, what information was provided, and any identifying information that may help me achieve a conviction against the person who committed this crime against me.
The information was not blocked by the 3 credit bureaus even though I provided a police report, an FTC ID THEFT REPORT AND A STATEMENT OF THE FACTS. I was just left in the dark and totally dismissed.
To this day, those derogatory accounts are STILL ON MY CREDIT REPORTs!
|
| 05/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Subject : Request for Reconsideration of Late Payments Reporting Dear Barclays Bank Delaware, I hope this letter finds you well. I am writing to request your kind consideration regarding the late payments that are currently being reported on my credit report. I am an account holder with Barclays Bank Delaware, and my account number is XXXX.
First and foremost, I would like to bring to your attention the unforeseen circumstances that led to the late payments on my account. As you may be aware, the XXXX pandemic has impacted countless individuals worldwide, and I unfortunately fell victim to its effects. I contracted XXXX at the time, which resulted in a severe deterioration of my health.
Due to the severity of my condition, I was admitted to the hospital for an extended period, during which I was unable to fulfill my financial obligations promptly. Regrettably, this health crisis coincided with an unexpected loss of employment, which further exacerbated my financial difficulties. The combination of medical bills and a sudden loss of income placed an immense burden on me, making it challenging to meet my payment obligations.
To compound matters, the emotional strain caused by these circumstances took a toll on my personal life as well. Tragically, my beloved dog, who had been my source of comfort during this challenging time, passed away. The emotional devastation and grief from this loss further hindered my ability to manage my affairs effectively, including ensuring my financial responsibilities were met.
In light of these extraordinary circumstances, I kindly request your reconsideration to update the late payments on my credit report. I understand that your institution has the discretion to make adjustments in situations where customers have faced significant hardships beyond their control. Given the global impact of the XXXX pandemic, I believe my case aligns with the intent of the Cares Act, which emphasizes relief and assistance to individuals facing financial hardships caused by this unprecedented crisis.
I kindly request that you update the late payments on my credit report to " paid as agreed '' to accurately reflect my current financial status. This adjustment would greatly alleviate the negative impact on my creditworthiness and provide a fair representation of my commitment to meeting my financial obligations.
I am committed to restoring my financial stability and demonstrating responsible financial behavior moving forward. I understand the importance of meeting my payment obligations and intend to make all future payments in a timely manner.
Thank you for your understanding and consideration in this matter. I sincerely hope that you will grant my request for the adjustment of the late payments on my credit report. I am confident that Barclays Bank Delaware, as a reputable financial institution, values its customers and supports them during times of unforeseen hardship.
I appreciate your attention to this matter and eagerly await your positive response.
Yours sincerely, XXXX XXXX
|
| 09/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
I bought an airline ticket for my son to fly from XXXX to XXXX. His trip back was on frontier airlines. On XX/XX/XXXX he boarded his plane after going through TSA screening in XXXX, headed to XXXX with a three hour layover there. While he was in XXXX, nobody talk to him from frontier airlines. He carried a backpack and that was all. Disembarked in XXXX Colorado and that appears to be where the {$99.00} purchase was put on my credit card. My son says that no one approached him, took his bag, complained about anything, he sat by himself. He did state to me that while he was waiting for his other plane was walking around and didnt see this hole that you press your backpack in and he said just for XXXX and giggles that he put his backpack in the hole and he had plenty of room and he was not oversized. But if he had been oversize they wouldve told him in XXXX at the beginning of his trip right? My son is well traveled, a veteran of the XXXX war and a member of the XXXX So I was charged {$99.00} for something but they really cant tell me what it is. I have talked to Customer Service twice. They are located in the XXXX, and they say they have a hard time getting hardcopies of anything. The first lady said it was his oversized bag, the next day the lady said it was because he had something illegal in his backpack and he was charged to bring it On board. He has stated that after he got off the plane in XXXX, that no one talked to him or said anything to him about his backpack or anything in it. Perhaps they didnt like the XXXX that he carried. I was charged {$99.00} while he was in XXXX for something I dont know why. One Representative from frontier airlines told me that he wouldve had to sign for the illegal object that he had in his backpack, because he wouldve had to sign a piece of paper and he wouldve had to give them his credit card number.That never happened and my son doesnt have a credit card. It sounds to me like theres a scam going on somewhere here. I have tried to talk to frontier airlines and you get nowhere with them. I talk to my bank and they are trying to get my money back too. I am writing everybody because I am tired of airlines treating people like XXXX. I work hard for my money and I have saved my money so I could have my son come visit me who I havent seen in some years. And then they take an extra {$99.00} out like I really had that to spare. These corporations that make millions billions of dollars and they dont care about who the consumers. I have to work two jobs just to make ends meet and Im by myself. So that {$99.00} meant a lot to me.
Contacted so far XXXX XX/XX/2022 customer rep for frontier airlines. Was told baggage issues XXXX on XX/XX/2022 was told something illegal in his backpack and was charged {$99.00} to take it onboard. She said her paperwork doesnt let her see the comments as to why or what is was. Was told they could not refund money nor was there any office supervisors to help me. There is only one customer service number and you are talking with reps in the XXXX.
|
| 05/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Barclaycard falsely claims I owe interest and penalties on credit card account. I paid for my purchases as soon as I received notice of them I dispute any remaining balance on the account, which I have closed. Here is my story.
I have had a Gap credit card since XXXX. Unbeknownst to me, the financial institution that issued the card sold the account to Barclaycard sometime during summer XXXX. Also unbeknownst to me, without request to or permission from me, or paper notice to me, Barclaycard switched me from paper statements to paperless statements.
The first I learned of this was a form letter received XXXX XXXX claiming my account was XXXX months overdue ( copy attached ). I called on or about XX/XX/XXXX and spoke to a rep who unfortunately had limited XXXX proficiency. This is when I learned that I had been switched to paperless statements. I searched my email, but had received no emails from Barclaycard. The rep told me to check the spam folder. All the emails from Barclaycard had gone to spam, which I do not read. Opening one of the spam emails, I learned that paperless statements is actually a misnomer, since the emails they sent out are not statements, but merely notices that ones statement is available in ones online account, along with an overall balance.
Of course, I did not have an online account since I believed I was still getting paper statements. I requested the rep to switch me back to paper statements, and send me paper copies of all prior statements since they bought the account.
The rep converted me to paper statements, but sent me the most recent statement only.
Shortly thereafter, I received a letter dated XX/XX/XXXX saying my account was now three months past due, along with the current statement.
I called again and spoke to XXXX, employee # XXXX, who agreed to send me all back statements and make a note in the file that I had not received any bills since Barclaycard bought the account.
I received the back statements on XX/XX/XXXX, and immediately set up an electronic payment for {$430.00}, which was the full value of all purchases made, less returns. The next statement, dated XX/XX/XXXX showed a balance of {$190.00}, which is all fees and interest.
I called again to have Barclaycard waive the fees and interest since the switch to paperless statements was not my error. The rep was not authorized to do that. I asked for someone with more authority, but that manager refused to credit the amounts, claiming that it wasnt Barclaycards error ; the previous institution had informed Barclaycard we were getting paperless statements.
Regardless of which bank made the error, I am not responsible for that error and do not rightfully or legally owe the {$190.00} in fees and interest.
Also of note, all email systems have a read receipt capability. Barclaycard had the ability, had they chosen to use it, to KNOW I had never opened any emails from them. Also Barclaycard knew or should have known that I never set up an online account, so could never have viewed any statements.
|
| 10/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I was over 2 months delinquent on my credit card which I rarely use due to a late charge from XXXX. The amount I was delinquent on was {$14.00} and I never once received a call from the Barclays Collections department regarding my delinquency. I only learned about the amount owed after receiving a promotional offer from the bank about Debt Management Services they offer. This promotional offer included the words " This is an attempt to collect a debt. '' in the smallest font possible at the bottom. With my girlfriend being in collections for 5+ years I knew this could not be good.
On XX/XX/XXXX I contacted the bank and asked why I was never contacted regarding a delinquency of over 2 months. A representative name XXXX from the Barclays Collections department told me, " We have cut down on outbound calls to give people less of a hard time due to the Pandemic. '' The decision of this company to " Decrease outbound calls ... '' has resulted in me never being notified of this {$14.00} delinquency on a credit card with a {$3500.00} credit limit. This has now destroyed my credit score. I was told I would receive a call back from a supervisor to help take care of my problem within 24 - 48 hours On XX/XX/XXXX, having not heard from a supervisor for a week, I called again and was connected to XXXX XXXX, a customer service Supervisor at Barclays. XXXX then told me the reason I was not called back was because my account did not belong in collections in the first place. I then proceeded to explain my situation to him and he sat with me on the phone, assisting me in filing a Credit Bureau Dispute and assured me it would be sent out first thing Monday to help get the delinquency removed from my credit report. XXXX asked if I would still like to speak to a supervisor to which I said yes and was told I would receive a call.
On XX/XX/XXXX, I was finally contacted by a supervisor and told them that XXXX was wonderful and helped me through the Credit Bureau Dispute process.
Now, XX/XX/XXXX, I called to inquire as to why I have not heard back about the Credit Bureau Dispute and was connected to XXXX XXXX, another customer service supervisor. He first told me that " I am having trouble pulling up your information due to our system taking a long time to load. '' Getting the sense I was being hoodwinked yet again, I persisted and he eventually told me that No Report Had Been Filed and that the only thing he could do is file an internal complaint.
Due to the gross negligence of this company, I was never contacted by their collections department about a XXXX past due {$14.00} besides a promotional email which has been attached to this Report. Besides being out right lied to about a Credit Bureau Dispute being filed by XXXX XXXX, this failure to contact me due to " cutting down on outbound calls. '' has resulted in my at the time great credit score being knocked down more than 100 points.
All of these calls should be recorded and I have time stamps for each conversation.
My Case ID with Barclays : XXXX
|
| 12/17/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Older American |
|
I was notified by XXXX XXXX XXXX XXXX XXXX ( that we pay for ) on XX/XX/XXXX that a new charge card for XXXX XXXX issued by Barclays Bank had been opened in my name on XXXX XX/XX/XXXX and {$1000.00} charged to it. I told them I had not opened it and the security service connected, with me, via phone, in a XXXX way call with Barclays Bank security to cancel the card and open a fraud investigation.
Barclays fraud team said they would look into it and we were to file a police report ( which we did ). They gathered information over the phone and we learned the card had been opened using an address I had moved away from in XXXX after my husband died. I gave them my current address and phone number to keep me informed. I would be contacted they said.
The XXXX investigator told me to report the fraud to XXXX credit reporting. Subsequently XXXX responded to me by letter dated XX/XX/XXXX that they investigated and determined the disputed charge and card opening were verified as an accurate charge by Barclays. ( This while they were investigating the reported fraud ).
I contacted Barclays and expressed my surprise at their response. They said they had sent a letter that I would not be held responsible for the {$1000.00} charge, but they sent it to the address the thieves gave them, not the one they verified with my fraud report. They said they would resend it to the correct address.
When the letter came it said only that an investigation would be opened. So I called them again and this time they said I should have gotten a second letter. Nope, they had again sent it to the thieves and not my address. They sent a new on, but it now said I wouldnt be held responsible if they determined it was fraud at the end of their investigation.
I contacted all the credit bureaus and notified them to put a fraud alert and I locked my credit.
Meanwhile XXXX XXXX was working with me and we sent all the documentation, police report and other stuff. Finally today on XX/XX/XXXX XXXX XXXX staff XXXX set up another XXXX way call with me, XXXX fraud investigation, and Barclays to find out what was going on.The Barclay security people XXXX and later XXXX, both said a letter had been sent notifying me I wasnt being held responsible and they had determined it was fraud. I hadnt got it because they had once again sent it to the address the thieves gave them.
As I file this complaint Ive been told the letter clearing me will be resent to my current address.
This card was apparently opened when a quick look at my credit file would have shown it as a years old address and not my current address, obviously no picture ID was used since Id twice moved and updated my drivers license each time, then the investigators put you through a bunch of needless work because they cant keep their files straight. I did nothing wrong. Barclays opened a charge account without checking the most obvious stuff and then I have to do all the work to clear my name. How can it be youre guilty until you prove yourself innocent, this isnt right.
|
| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
Subject : Dispute of Fraudulent Account Purchase and Violation of Consumer Data Protection Laws Dear, Barclays Bank I hope this letter finds you well. I am writing to bring to your attention a distressing and deeply concerning matter that has greatly affected me and my trust in Barclays Bank on XX/XX/2023, I discovered that someone had fraudulently used my personal information for a purchase without my knowledge or consent. I write this letter to request your assistance and removal/deletion of personal information including my name XXXX XXXX XXXX and removal of late payments. In resolving this matter promptly and to bring to your attention the serious breach of consumer data protection laws.
The incident came to my notice when I received an email notification about a purchase from Barclays Bank that I did not make. Upon further investigation, The fraudulent activity has caused significant distress and concern for my personal security and privacy.
As a loyal customer of Barclays Bank placed my trust in the company to safeguard my personal information. It is disheartening to learn that my trust has been betrayed through a security breach that allowed unauthorized access to my personal data. According to consumer protection laws, I have certain rights as a victim of fraud, which include, but are not limited to : Right to Security : Barclays is obligated to maintain the highest standards of data protection and security to prevent unauthorized access to customer information.
Right to Notification : In the event of a data breach or suspected fraudulent activity, customers must be promptly notified to take appropriate action to protect their interests.
Right to Dispute : I have the right to dispute any unauthorized transactions made using my personal information and seek resolution from the responsible parties.
Right to Confidentiality Barclays is bound by laws and regulations to keep my personal information confidential and not share it with third parties without my explicit consent.
I kindly request a thorough investigation into this matter and a detailed explanation of how my personal information was compromised. In addition to avoiding the constant removal and addition of this Fraudulent account I went ahead and paid for the fraudulent account in full. Furthermore, I must express my concern regarding any potential sharing of my personal information with banks or other entities without my consent. Such actions would be a direct violation of privacy laws that are designed to safeguard individuals ' sensitive data.
I sincerely hope that Barclays bank takes the necessary steps to resolve this. I kindly request a written acknowledgment of the receipt of this letter and a timeline for resolving this dispute. You can reach me at XXXX to discuss this matter further or provide any additional information that may be required.
Thank you for your understanding and cooperation in this matter. I hope we can resolve this issue amicably and restore my faith in the integrity of Barclays Bank
|
| 09/04/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
I am currently a cardholder of the Barclay XXXX XXXX Master Card ( XXXX ). I originally opened this account in XXXX XXXX as a Travelocity Rewards American Express Card, but the card was transferred to Barclay in XXXX of XXXX. At the time that the card was transferred, I had accrued approximately XXXX miles under the cards rewards program.
Earlier this summer, I attempted to redeem my miles for travel that I had purchased through Travelocity on XXXX XXXX, XXXX. The trip was booked for XXXX XXXX, XXXX through XXXX XXXX, XXXX. However, when I tried to redeem my miles on XXXX XXXX, XXXX ( which by this time had accrued to over XXXX miles ), I was not allowed to redeem my miles for this trip as 120 days had passed since I originally booked the trip. This was surprising to me, as under the Travelocity Rewards American Express Card, I could not redeem my miles until after the travel actually occurred. I immediately called customer service and the Barclay representative instructed me that I could redeem my miles for more recent purchases that I had made on my card since then, which we did while I was on the phone. During the call, I expressed a concern that I did not believe that I was obtaining the rewards level that were part of my original agreement when I had obtained my original Travelocity American Express Card.
Immediately after getting off the phone with the Barclay representatives, I did a little research and determined that I had not received the credit for my miles in accordance with the terms of the original agreement. In fact, the original agreement terms indicated that I would be awarded {$400.00} for every XXXX miles if I booked my flight on Travelocity. However, it appears that I was only awarded {$200.00} for each XXXX miles ( i.e. {$25.00} for each XXXX miles ). Therefore, my reward was only half of what I am entitled to. I immediately called customer service again, and coincidently, the same customer service agent assisted me. She advised me that she could find no record of the of the original terms of agreement, which was surprising to me, as Barclay administered the Travelocity Rewards Card that I had originally signed up for in XXXX. She then suggested that I submit a letter to request that my rewards be redeemed in accordance with my original credit card agreement.
I forwarded a letter as a formal request to not only redeeming the miles for the travel that I booked on Travelocity, but also redeeming those points at {$400.00} for each XXXX miles on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I received a letter from Barclay indicating that they were unable to complete my request. I immediately call their customer service department and explained the situation again. They advised me that they understood my concerns and would reevaluate the situation.
On XXXX XXXX, XXXX, I called to check the status on this request, and they advised me that a letter was sent out on XXXX XXXX, XXXX, advising me that my request was denied again. I immediately closed my account with Barclay.
|
| 05/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Please update the status of account to paid in full. payment in full was received by XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$9400.00}. This information must be shared with XXXX, XXXX, and XXXX.
Background.
On XX/XX/XXXX Barclays Bank Delaware charged off account number ( 'The account ' ) with a balance of {$9400.00}.
The account was subsequently sold to XXXX XXXX XXXX ( 'XXXX ' ). XXXX contacted me, XXXX XXXX ( 'The account holder ' ).
The charge off was reported on the account holders credit reports - with trade lines from barclays bank stating a charge off, and XXXX stating an open collection account.
On XX/XX/XXXX XXXX received payment in full from the account holder via electronic payment, the amount was {$9400.00}. XXXX confirmed receipt on the phone ( XX/XX/XXXX ) and assured the account holder that Barclays Bank Delaware would be informed. On XX/XX/XXXX XXXX issued a letter to the account holder confirming receipt of payment and a XXXX balance for the account holder.
Starting on XX/XX/XXXX the account holder has called Barclays Bank Delaware several times to request that the account holders credit report be updated to reflect the paid status of the charge off.
During the months of XXXX and XXXX the account holder filed a dispute with XXXX regarding the status of the account. XXXX contacted Barclays Bank Delaware and confirmed that the even though the customer disagrees with the account status Barclays Bank of Delaware reaffirms its unpaid status.
On XX/XX/XXXX Barclays Bank Delaware received the request to update the account holders credit report to Paid in Full via certified mail the request contained the Paid in Full letter from XXXX including the account number and all relevant information.
The following week ( week of XX/XX/XXXX ) the account holder called Barclays Bank Delaware and was told by Barclays Bank Delaware that the documentation was not received.
On XX/XX/XXXX the account holder contacted XXXX Bank Delaware via phone and was connected with the XXXX department. A representative from the XXXX XXXX stated that documentation had not been received and it should be faxed to the XXXX group at XXXX. The representative also stated that the process to complete this request would take 2 business days.
Later that same day on XX/XX/XXXX the account holder faxed the proof of payment of the full account balance, documentation which was sent to him by XXXX, receipts of the certified mail previously sent and attachments, and a request to amend the account holders account status to Paid in Full with the credit reporting Bureaus.
On XX/XX/XXXX Barclays Bank confirmed receipt of the documentation via telephone.
On XX/XX/XXXX the account holder called Barclays Bank Delaware and was told that 1. His request is being reviewed 2. That his request had been sent to the FCRAthe FCRA is not an actual organization it is an Act of the United States Congress.
Fed up with the lack of progress the account holder has decided to file a formal complaint with CFPB.
|
| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I contacted XXXX to let them know they were violating the fair credit reporting act XX/XX/2023. They have not fixed it. XXXX and XXXX continued to give me a hard time. Here is the issue As a federally protected consumer I have the right to privacy. According to the Fair Credit Reporting Act 15 USC 1681 section 602 states ' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer 's right to privacy. ' XXXX, XXXX, XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure that my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ' 15 USC 1681 section 604 a section 2 states that " In general Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX snd any furnisher of information to credit agencies whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that " A finacial institution may NOT disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' None of these credit agencies ever informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code Section 1681 s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The code also states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR S 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
|
| 10/24/2016 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
Older American |
|
The following is a letter sent to the credit card company in question. It summarizes our dilemma in attempting to resolve our problem. Even after several attempts to sever any ties with this company and to make it clear that we do not wish to possess their product they continue to send us billing notices. My wife and I are senior citizens ( XXXX & XXXX yrs ) and frankly are not as adept at dealing with such issues as perhaps we should be. We need your assistance to resolve this problem and will be greatly appreciative for any help you can provide.
XXXX XXXX XXXX XXXX, HI XXXX Frontier Airlines Master Card XXXX, CA XXXX Dear Sir/Madam, Roughly two months ago my wife and I had the opportunity to fly from XXXX to XXXX via Frontier Airlines. During this flight we were given printed material encouraging us to obtain Frontier Airlines Master Cards. We filled out a questionnaire handout expecting to receive more information and to be able make a final formal card-in-hand activation commitment via telephone or Internet connection.
Your company sent us a billing notice before we received your credit cards or additional information. This seemed unusual. I called your office to say that we decided not to become Frontier Airlines Master Card customers and directed that no cards be sent to us. Shortly thereafter unactivated Master Cards arrived in the mail. We took no action to activate the cards and destroyed them. Again, we were notified that we were being charged an annual fee for the cards in question. I immediately called your company and firmly stated that we had no intention of becoming Frontier Airlines Master Card customers, that we had not formally activated the cards in question, no charges had been incurred with the card, the cards had been destroyed and that we wished to be removed from any connection with the cards. I was assured that the matter would be corrected.
We have received two mores notice that we are being charged a fee for the cards in question - even though we had never formally activated the cards, no charges had been incurred, and your assurances the issue had been resolved. As per past exchanges : ( 1 ) The cards in question have never been formally activated. ( 2 ) The cards were physically destroyed. ( 3 ) No charges have ever been made to the cards in question. ( 4 ) We have never claimed or received bonus points for the use of the cards in question or any other form of awards.
My wife and I are senior citizens ( XXXX & XXXX yrs old ). We are retired and live a very modest lifestyle. This issue has caused us considerable stress. We have always paid legitimate bills and maintain a positive credit rating. We have attempted to positively resolve this issue, but it seems that your company insists that we pay for a service we have never used and benefits we have never received. I again respectfully request that all charges related to the cards in question be removed without negatively affecting our credit rating.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
|
| 02/23/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
Barclays credit card selected the charges for our Property Taxes to the XXXX County Treasurer IN ERROR AND ARBITRARILY as a disputed charge ( original charge posted XX/XX/XXXX for {$1900.00} ). I never disputed those charges. I have asked for the dispute to be provided to me, and was told that there is not one. Barclays initially paid the County Treasurer for those charges, and then on XX/XX/XXXX the amount of our property taxes ( {$1900.00} ) was charged back to the company that processes payments for the XXXX County Treasurer - XXXX XXXX XXXX. WE WERE NEVER NOTIFIED OF THE CHARGEBACK, OR CREDITED BACK FOR THAT AMOUNT. I called Barclays customer service twice after receiving the delinquent notice for our property taxes and was assured that the charges had been paid and that nothing was amiss.
Only after numerous emails and phone calls with the credit card processing company, XXXX XXXX XXXX and the XXXX County Treasurer and after finally receiving a copy of the actual chargeback, was I able to get someone at Barclays to research this chargeback further.
I was then told on XX/XX/XXXX by Barclays fraud department, that for unknown reasons the amount of {$1900.00} was classified as fraudulent and charged back to the merchant XXXX XXXX XXXX. At that point I was assured by XXXX ( the lady I spoke to at the fraud department ) that the charge back to XXXX XXXX XXXX will be reversed and that the payment will be received but it might take 30 days for the process to be completed.
On XX/XX/XXXX I faxed a letter to Barclays office of the President explaining this situation, after talking again to Barclays customer service department, as we were still accruing late charges on the overdue payment after XX/XX/XXXX. Customer Service Case # XXXX, executive case # XXXX.
My case was assigned to a lady at the office of the President who has credited my account for the late charges we accrued up to XX/XX/XXXX ( {$240.00} ), but has made absolutely no effort to help me in making sure the payment of {$1900.00} has been submitted to XXXX XXXX XXXX, as I was told, so our Property taxes are paid. My phone calls are not returned, they have not provided me with a tracking or confirmation number for the payment, even though I have left messages letting them know that the money has not been received. There has been no follow up, no written communication, or reply to my email to the Office of the President.
After many emails and phone calls with the merchant XXXX XXXX XXXX, I was informed on XX/XX/XXXX that the payment has NOT been received. And no credit has been given to my account for the amount of {$1900.00}. I have already paid Barclays for the charge on my credit card for that amount ( that was charged on XX/XX/XXXX ), as our credit card balance is paid in full every month.
It has now been 37 days since the chargeback was supposed to be reversed and 50 days since Barclays Bank has had my {$1900.00} and has not returned them, even though they have acknowledged this has been their error.
|
| 02/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
In XX/XX/2017 after being adjudicated in XXXX XXXX in XXXX XXXX, Florida, case # XXXX to maximize all available credit balances on my credit cards to pay my ex-wife 's attorney to hire a forensic accountant to go over 5 years of my books and taxes, which he had for almost a year to do., my Barclays Card ending in XXXX was maxed at {$7700.00} and the combined interest on XXXX credit cards was dragging me under. At that point I was still obligated to pay gap alimony of {$500.00} per week, so I had to call all my creditors to work out plans. Barclays was the hardest and worst to work with, I made 4 years of on time, consecutive payments from XXXX, but some XXXX XXXX XXXXXXXX ( prior to the account being 30 days in arrears ) said they would settle for {$1000.00} per month in interest payments for 5 months. At that point I didn't want to settle nor could I pay {$1000.00} per month in interest, that is why I was in the problem.
Others helped, Barclays didn't and haven't wanted to settle for the past 4 years, just to keep this on the Reporting Agencies Files of mine as a punishment of some sort, which is unfair. Last week I called and talked with someone in Back office collections, XXXX, who was helpful, I told her the last people in her company I tried to settle with, pretty much laughed, told me to call back in a week, the special XXXX XXXX XXXX would let me know if they will do a settlement and how much. I let her know based on others that have settled with them, they write it off and settle for about 20 % of the debt, In this case, Barclays has my high balance of {$7700.00} reported, has a balance of {$8200.00} but won't tell me how that number comes to be my amount, yet they wrote off just under {$7200.00} off their books? Which number is accurate?
Today I called to see what the XXXX XXXX XXXX XXXX came up with, I had to call XXXX, The Phippipines before I got collector XXXX, XXXX who I could tell was new, said the XXXX is offering a 45 % settlement on what they are calling their balance of {$8200.00}. Yet they wrote off almost double that at $ XXXX? I still don't know the " real '' figures?
I told them several times what I had ( {$2000.00} ) and what I could do, I asked why they were given me a 45 % settlement figure on a balance that is more that what they are reporting on the credit card accounts. I can now see WHY they have a XXXX review rating out of XXXX for over 10,000 un happy customers, it's because of their unethical collections and reporting practices, which severely violates every rule of credit collections and reporting.
I have disputed this account by phone, online, in writing and via a complaint through this consumer protection agency. I need it kicked up to the Federal Trade Commission as these people are " crooked '' hiding behind a corporate veil!
I need some action done on this very large organization, otherwise they continue to treat consumers unfairly taking advantage of people in financial trouble.
Sincerely, XXXX XXXX XXXX XXXX
|
| 09/26/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
On XXXX XXXX, XXXX, I had a qualifying purchase post to my account for {$2300.00}. This was a purchase for XXXX Cruises on my XXXX credit card, which is a rewards card for XXXX XXXX lines. The rewards program allows the cardholder to redeem points for statement credits on qualifying purchases. Purchases with XXXX XXXX XXXX specifically are entitled to a greater rewards period, allowing for XXXX the point value depending on the qualifying purchase amount. This purchase amount qualifies for XXXX times the value, so a substantial statement credit of several XXXX dollars.
XXXX has been having significant issues with this rewards program. They made changes to it XXXX which were properly disclosed ) in XXXX and the program has been broken ever since. Purchases from XXXX do not flow over to the rewards redemption portal for processing. I personlly know this to be fact for XXXX reasons : First, I have experienced this problem before ( see their case XXXX initially opened on XXXX/XXXX/XXXX - which was not resolved until XXXX days later XXXX, XXXX ; There is a discussion forum online XXXX XXXX XXXX dedicated to issues with this rewards program with XXXX and XXXX.
XXXX states that it can take up to 7 days for eligible purchase to populate in the Rewards portal for point redemption.
Knowing that I was going to have a battle on my hands based on my prior experience, I opened a case with their customer service team on XXXX/XXXX/XXXX indicating that my qualifying purchase was not available for rewards redemption. I received back a canned response. I inquired in to the status of the case on XXXX and received another canned response.
Today, XXXX. I received notice in the mail that the matter had been resolved, which is false. The qualifying purchase is still not available for me to redeem points against at XXXX times their value. Because the rewards program is not transparent ( points are redeemed in tiers and this is not clearly disclosed in the program description ), I can not clearly state a firm dollar amount of what the credit should be, but with my purchase of {$2300.00} I know it will be a statement credit of several XXXX dollars. We have been cardholders for years and, until they changed the program, have a history of redeeming points for similar amounts that exceeded {$600.00} in rewards value. This is a substantial amount of money we 're owed via a statement credit.
Because of my inability to redeem rewards points against a qualifying purchase, I am carrying a higher balance on my card than I otherwise would be. This is resulting in the account accruing interest at an APR of 11.24 %. We have been harmed by the accrued interest, unclear program disclosures, and a rewards program that does not function as disclosed.
Once again today ( XXXX ) I have inquired in to the status of my open case and DEMANDED that they resolve the matter as we are approaching 30 days from the date of the purchase. I also notified them that I would be filing this complaint.
|
| 10/07/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Older American |
|
I believe that I was treated unfairly by the credit card company. I had held the card for over twenty years and paid my full balance on time. However, on XX/XX/XXXX I signed up for paperless statements for my XXXX/Barkley Credit Card. I did not use that card regularly so I hadnt noticed that I hadnt received an electronic bill for a {$6.00} car wash that I made on XX/XX/XXXX. The emails must have gone into my junk mail. I also never saw any notices about late fees. It wasnt until after they closed my account, because of a {$6.00} charge, that I received a notice in the postal mail on XX/XX/XXXX. I dont think it was fair that they didnt give me a warning by mail. Since, I had just signed up for paperless and never responded to emails it seems like that would be protocol to have reached out to me by postal mail for phone.
I contacted Barkley the day I received the notice in the mail that my account had been closed. I immediately paid the balance. The woman on the phone was able to forgive most the late fees and interest because she said I had been a loyal customer. She also told me that she was aware that XXXX statements had gone into other peoples junk mail.
At the time I had no idea how it was going to affect my credit score that had been XXXX and in the 800s for years. This one {$6.00} incident caused it to drop to XXXX. It hasnt gone much higher since then.
I contacted XXXX by mail and I asked them to adjust what they had reported to the credit agencies especially since the bill had been paid and that I had always paid my bills on time.
They sent me a letter that said they could not adjust my account to eliminate the problem to my credit score. They stated it would create an inaccurate representation of your account.
But this reporting causing this dropped score is what does not correctly represent my credit history.
They never sent me a hard copy in the mail before shutting my account. I have a XXXX XXXX that I have a monthly balance of at least {$1200.00} that gets paid immediately and I never carry a balance. But a missed {$6.00} bill dropped my FICO score over 100 points. That is not a fair representation of my credit.
I also contacted the three credit bureaus. The responses were hard to read but it appears that XXXX XXXX reply dated XX/XX/XXXX told me the information does not currently appear on my credit report. It looks like XXXX on XX/XX/XXXX also said it wasnt reported on their credit file. I did not receive a response from XXXX, but was so frustrated I dropped it. However, since then my car insurance went up because of my lowered score. Furthermore, in XXXX when I bought a new car I qualified for 0 % interest, I recently traded in that car and my new car loan is 6 %. So realizing the devastating effect the inaccurate portrayal of my financial situation and credit history is taking, I have continued to ask people what to do and someone recently encouraged me to reach out to the federal Consume Financial Protection Bureau.
|
| 04/10/2017 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
|
I opened a Barclaycard Rewards MasterCard approximately three years ago. As a cardholder, I always made my payments on time ( save for once or twice being a few days late because of circumstances beyond my control, namely hospitalizations ), almost always paid more than the minimum payment due, and I frequently paid my balance in full and then some. I used my card responsibly, especially considering that shortly before applying, I had received a discharge from bankruptcy proceedings and Barclay 's was one of the few issuers to extend credit to customers with recent bankruptcy filings present on their credit report. In essence, Barclay 's took a chance, and I wanted to show them they made the right decision.
In late XX/XX/XXXX, I attempted to use my card, and the charge was denied. Knowing I had sufficient credit, I called Barclay 's to inquire. I was told my account was summarily closed, and I would be receiving a letter with details. I never received such a letter. However, I attempted to send a message through the online portal asking why my account was closed ( see attached ). I received a response indicating my account was closed due to " delinquency. '' However, there were no delinquencies on my credit accounts. There may have been an account reporting on my file that was delinquent, but it was an authorized user account for which I am not responsible. Barclay 's used information from an account that did not belong to me as justification for closing my account. I am sure Barclay 's will say what they did was perfectly legal, within regulatory framework, etc., etc., and of course, my personal favorite -- which is the catchall/fallback when a company can find no other reason to justify its actions -- " it was a business decision. '' Not only did Barclay 's close my account based on inaccurate information, it appears as though I have been " blacklisted '' from future accounts. While all banks maintain such a list, most deny it exists. However, there are countless missives from former industry employees and customers who explain how they have been subjected to a blacklist. A blacklist is an in house master list of customers and their Social Security numbers who are not to be approved for future credit. I have been made aware of the signs of this policy, which include applying for a product receiving a decline without ever having a credit report pulled. That has happened to me on two separate occasions since my account closure. The most recent occurrence was on/about XX/XX/XXXX. I applied for a Barclaycard Arrival account, and was denied.
In addition to the above, there were two payments made on my account that never posted, yet both payments cleared my checking account. I brought this to Barclay 's attention at the time, but it went no where. One payment was made on XX/XX/XXXX in the amount of {$500.00}, and the other was for {$1900.00}, also on XX/XX/XXXX. To date, these payments were never credited to my account. Please see attached.
|
| 09/11/2016 |
Yes |
|
|
|
Web |
Older American |
|
On XX/XX/2016, I applied for a credit card on the Wyndham Rewards website. The credit card, with a {$69.00} Annual Fee, was a " Limited Time Promotion '' offering XXXX bonus points ( Barclay Card US services the card ). This promotion was available on the Wyndham Rewards website beginning about XXXX XXXX and ending in XX/XX/2016.
My complaint is Barclay Card US has credited my account with only XXXX points, claiming the XXXX point offer does n't exist. On XX/XX/2016, I contacted Wyndham Rewards for help, as the offer was on the XXXX website, they directed me to Barclay Card US customer service. On my request, Barclay Card US opened investigation CASE XXXX on XX/XX/2016.
When I contacted Barclay Card US, on XX/XX/2016 to request CASE status, they said the investigation showed the XXXX point offer did not exist, and I was not due the additional XXXX points.
On XX/XX/2016 @ XXXX, I contacted Wyndham Rewards customer service, they agreed that I was due XXXX points since it was an active promotion on their website. The limited time offer was on Wyndham 's Webpage for XXXX and XX/XX/2016 only. The Wyndham customer service manager ( XXXX ), with me conferenced, called Barclay Card US customer service and spoke with a manager ( XXXX ). The Wyndham manager had the Barclay manager access the credit card offer via the Wyndham Rewards webpage. The Barclay manager did verify that the XXXX bonus point offer did exist and I was due an additional XXXX bonus points. XXXX, the Barclay Card manager offered to immediately credit my account with XXXX points, the maximum that her position was allowed. I refused her offer, and stated that I would wait for the full XXXX points to be credited. The Barclay manager on XX/XX/2016 opened CASE XXXX to have my points account credited.
On XX/XX/2016, I contacted Barclay Card US about CASE status, and was told the investigation again showed that the XXXX bonus point offer did not exist. I was told nothing further would be done by Barclay Card US customer service.
When calling Barclay 's customer service, an announcement states, " ALL CALLS ARE RECORDED '', meaning that a recording of our XX/XX/2016 conversation exists, with the Barclay manager ( XXXX ) confirming that the XXXX point promotion exists.
Note, on the XXXX webpage, when I clicked on the " LEARN MORE '' label of the " Limited Time Offer '', a new webpage displayed that originated from the Barclay Card US website/webservers. The below is the URL that is displayed on that webpage. Paste the below URL into a web browser, and the actual XXXX point promotion will display for you. It is still live on the Barclay Card US website.
XXXX On this new page you can view/download the Barclay Card Terms & Conditions showing the XXXX Bonus Point offer that I applied for . THIS WEBPAGE IS ACTUALLY BEING DISPLAYED BY THE BARCLAY CARD US WEBSITE/WEBSERVERS. For Barclay Card US to state that the offer does not exist is a blatant lie. This is Bait & Switch by Barclay Card US.
|
| 03/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a phone call on XX/XX/XXXX from someone named Miss XXXX. She said she was calling from XXXXXX/XX/XXXXXXXX with regards to an urgent financial issue. She said that I had an unpaid debt with Barclays Bank and that they were filing a civil suit against me to claim the total amount owned ( {$11000.00} XXXX. She asked me to confirm my date of birth and last four of my social security number. She also asked me to confirm my name, but she only had my maiden name, and my address, which was my parents address not my current XXXX.
I explained to her that this was already settled and paid through a debt consolidation company back in XXXX and wondered why a 10+ year old debt was coming up when I have heard nothing from the company I worked with, Barclays or the former collection agency. She responded saying its explained in the letter XXXX which it wasnt ).
She said she had the letter with more information. She asked me for my email so she could send it to me. When I asked why this was not sent via mail she said for the past year they havent sent anything via mail due to COVID. I gave her my email address and she sent me the letter.
After hanging up, I received the letter and researched the company XXXX XXXX XX/XX/XXXXXXXX XXXX. On the first page of the site the company looks legit but it isnt. The blog page doesnt have any content and the website maker is a make your own website and has a copyright of XXXX XXXX XXXXXX/XX/XXXX( which seems weird ). I also looked at the email with the letter and the email address was XXXX ( which I believe is an international website ). The letter also had some mistypes and the logo of the firm didnt match anything on the site XXXX which if it was a real firm then their corporate logo and stationary would match XXXX.
I also tried to call the number on their letter ( XXXX ) and it goes to a general voicemail box with no mention of the company name. When Miss XXXX called, she used a different number ( XXXX ). She left a voicemail saying I could call this number back and could use extension XXXX, but when I called back it went directly to her, which again is odd. I dont believe she would pick up without an extension. When I XX/XX/XXXX the first number online I saw that others have listed this as a scam, saying that they were told similar things ( I.e. a civil suit was being filed ) and that they were calling themselves XXXX XXXX. It appears these calls were happening between XX/XX/XXXX and now.
I called Barclays Bank to confirm if they were aware of this and they said my account was in collections back on XXXX ( hence why I was working with a debt company XXXX so they dont have any details on this. They also werent very helpful and didnt consider this might be a scam.
I havent heard back from them since Monday XXXX XX/XX/XXXX XXXX, but I am concerned they got the information they needed from me and potentially will be able to hack into different sites using my information. Im monitoring everything.
|
| 02/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I have been a loyal customer with a prompt payment history with Barclay's/Juniper Mastercard. Back in XX/XX/2019, I noticed a pending charge on my Barclay 's Mastercard. I called the bank immediately and advised them this was not my charge. This charge was dated was XX/XX/XXXX, amount was for XXXX from XXXX ( I never even heard of this company ). They removed the charge from my account. I received a confirmation letter on dated XX/XX/XXXX advising an investigation would be made pending the outcome, I would not be held responsible.XXXX XXXX I received a second letter determining I am not responsible, pending the merchants response. On around XX/XX/XXXX, I received a call from an XXXX number, at first I didn't want to answer, it was Barclays saying they considered the transaction valid, claiming the package was delivered to my address. I closed the account immediately. Several days later, I received a letter saying the transaction was valid and the charge would be placed back on my account.
As a result of these findings, I did reach XXXX and XXXX. The XXXX tracking information shows a package sent, and per the customer it was pulled off the truck and signed fraudulently at a XXXX facility. I also received a copy of the fraudulent signature. I reached out to XXXX, it seems to purchase was made online with a fake email address and a SECOND attempt was made but failed validity the following day on XX/XX/XXXX. I followed up with XXXX with a case number advising them of the fraud transaction. I gathered all the information along a police report and all attached documents from XXXX scanned and faxed to Barclay 's requesting an appeal. Since this incident, I did speak to a manager named XXXX at Barclay 's. I faxed and sent the information certified backing my claim and it was denied a second time. All the letters are enclosed. When I tried speak with someone who actually investigates these cases, I got absolutely no response.
Now the case has been reopened in Merchant Dispute at Barclay 's and I feel like my issue is falling on deaf ears. I also spoke to a Customer Service Manager at XXXX, his email is attached. All my documentation is attached. Even when I spoke to several people on Barclays end they confirmed they received my information I submitted based on findings but can not explain why the transaction wasn't reversed. It is very frustrating and I do not want my credit rating jeopardized by this outcome.My initial appeal letter is also attached. I have already spoken with a lawyer but wanted to try to resolve this initially with Barclays first. All documentation will be attached and scanned. A copy of my initial appeals letter is attached. Also attached are 6 letters received by Barclays. Two of the letters are conflicting, one saying they agree it was fraud ( dated XX/XX/XXXX ) the other dated XX/XX/XXXX upheld they're decision. A police report is attached, the detective agreed when he saw the tracking information that it was suspicious.
|
| 07/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
I have a balance on a Barclay XXXX XXXX with a high interest rate. I opened a new credit card with a different bank so I could transfer the balance from my Barclay card on to the new card and take advantage of 0 % interest on balance transfers.
On Friday, XX/XX/XXXX, I contacted Barclay expressing my wish to close the account and have my balance transferred to the new card. The representative from XXXX immediately began reading from a script about how they ( Barclay ) has 0 % interested on balance transfers and how I'd be charged a 5 % balance transfer fee. I was confused, since I wasn't transferring money TO Barclay, I was transferring AWAY from Barclay. It was the new credit card that would be giving me the 0 % interest and charging the fee. In hindsight of course, I realize I probably should've initiated the transfer through the new credit cardbut this was the first time I'd done this and not ONCE did the representative offer this suggestion to me.
I explained again, very clearly, that I was looking to close my account and have the transfer moved over to the new card. Again, he began reading from a script. I interrupted and explained it to him a third time. He put me on hold for awhile, then came back and said he understood and was going to start the transfer process. I confirmed that he understood what I wanted to do. He said yes. He asked for the new credit card number and gave me a balance transfer confirmation number. He said to expect the transfer to happen in 7 days.
On Monday, XX/XX/XXXX, someone from Barclay 's fraud division called saying they due to the balance transfer request, they'd flagged my account. She said she was calling to confirm I initiated the transfer. I thought this was strange, seeing as I was essentially paying off my balance on the Barclay card, but assured the caller I had initiated the transfer. She told me they were lifting the fraud alert.
On Wednesday, XX/XX/XXXX, I discovered the balance transfer process had been done incorrectly, despite me explaining at least four times to the Barclay representative. They sent a check to the new credit card company, not for my existing balance, but on top of. This caused my balance with Barclay to double, and a large credit on the new credit card ( because there was no balance to pay off ). On top of that, they charged a 5 % balance transfer fee on an incorrect transfer.
I contacted the other bank to let them know of the error, because I can not deal with this company any longer. They told me they aren't sure there is much they can do. So now I am in the middle. It is on me to spend hours away from family and my job to try to fix an error I did not create.
This credit card company has been a nightmare to deal with from the beginning, but this is the last straw. They have put fraud alerts on my account or suspended it for no reason, been hard to communicate with, and continually make it as difficult as possible to be a customer. I finally reporting them.
|
| 04/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
In late XXXX, I learned that my Barclay 's credit card was months behind. I had absolutely no idea that I was behind on this card. I havent used it in a while and thought it was at a XXXX balance. Looks like there was a {$3.00} fee automated charge in XXXX and then an additional {$11.00} in automated fee in XXXX. All of the statements were going into my email junk folder. I only found out I was delinquent because I was clearing out my junk email file and saw some items from Barclays. I have had a credit score over 800 for about 15 years and this {$14.00} incident has destroyed it.
If these companies are going to solicit customer to go " paperless '', they should still have the responsibility to perform debt collection efforts. Apparently since it was such a nominal amount, they didn't bother to call me ( not even once ) or use standard mail. They just let an account that was paid well for years continue to collect late fees and interest charges. If Barclays ' representatives had performed even minimal collection activities, I would have been made aware of the oversight and cleared it up immediately. I'm sure if I had owed {$20000.00}, not only would I have received calls, but my relatives and neighbors would have been called as well.
When creditors see a 120 day late on a credit report, the impression of that is that collection practices occurred and the card owner refused to pay. That is not the case. They did not perform normal collections practices. I think Barclays owns some of the responsibility for not caring enough to make me aware of the delinquency. The only letter that I received from Barclays came around XX/XX/XXXX, and was dated late XXXX. All of this was after I called their collection team, found out how much I owed ( {$100.00} ) and paid the account.
I wrote Barclay 's Customer Service area on XX/XX/22 and asked that Barclays update my credit report and remove the delinquencies. They responded and refused. I then wrote Barclay 's Office of the President on XX/XX/22. They responded on XX/XX/22 and also declined to remove the delinquencies. I received a voicemail from the XXXX XXXX, Executive Specialist, and called her back. She was sympathetic, but stated that their Collection Department can choose to attempt to collect or not.
So, I am writing you. There is an all-out effort to move consumers from mailed statements to digital. It saves the companies money. But then, when the email ends up in your junk file and the company doesn't care enough to attempt to contact you - you end up like me. I'm not even sure I knew I was switching to digital when I did so for Barclays. The companies have their methods where you log into your account and your presented with options ( that you didn't ask for ) regarding how to receive your communication from them. But, if they are going to push us to digital mail, they need to be responsible, especially during a Pandemic to perform basic collection practices.
Thank you, XXXX XXXX
|
| 06/19/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau. Until recently, I enjoyed a near perfect credit history. I take considerable measures to ensure that I retain this standing as this is very important to me personally and professionally. In XXXX XXXX, I decided to increase my available credit by applying for the Barclays Ring MasterCard and was approved for a {$12000.00} credit limit. I signed on for paperless statements at that time. The card remained unused, until it happened that on XXXX XXXX and XXXX XXXX I mistook my Barclays card for the one I usually use. On those two days I used it to pay for a total of {$1.00} in parking fees and {$17.00} for food, for a total of {$18.00}. I have not used the card since. I received NO monthly statements, electronic or otherwise notifying me that I owed anything until an email dated XXXX/XXXX/XXXX informing me that my account payment was two months late. I then received my FIRST online monthly statement EVER on XXXX/XXXX/XXXX indicating that I owed {$64.00}. I became aware of these two emails on XXXX/XXXX/XXXX at which point I immediately paid off the full balance on my card and signed up for automatic payments. I contacted Barclays on XXXX/XXXX/XXXX as soon as I became aware that my credit report had already been hit with a late payment notification. I was instructed by Barclays to make a formal request in writing. I was asking to have the late payment report be retracted, given the fact that I had not been notified about the charges that were pending. After a review period, Barclays denied my request. I am writing the Consumer Financial Protection Bureau now to help me appeal this decision. I believe that Barclays is primarily at fault for not having notified me ( in writing or electronically ) that my account was in arrears. Had I simply known about my late payment status, I would have immediately payed the balance not only to avoid late payment charges, but most importantly to preserve my good credit standing. I have attached ALL communications between Barclays and me since the initial account was opened. You can see by the records that Barclays had ample capacity to notify me ( as is their duty ) but chose not to do so. As soon as I received my first notifications, the record shows that I acted promptly to resolve the matter. By that time Barclays had already submitted their late payment report to the credit agencies. They are now refusing to reverse this report and they take no responsibility for the chain of events. This decision by Barclays is hurting my credit score significantly and my personal life financially. I request that Barclays take the necessary measures to remove these negative reports from my credit history. I believe that Barclays has been negligent in their duty to inform me of my account being in arrears and that their actions in causing me real damage. I hope that the CFPB can help resolve the issue I 'm having with Barclays. I will escalate this matter to a lawyer need be.
|
| 07/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
See attached legal paper.
I swear that the following is true.
1. Defendant owes me {$100.00} for the claim in paragraph 2.
plus the filing fee of {$60.00} plus OCAP document fee {$20.00} plus an estimated service fee of {$200.00} for a total of : {$380.00} plus prejudgment interest, if qualified for prejudgment interest.
2. The events happened on XX/XX/2021. My claim is based on the following facts.
1. The defendant operates a credit card named Upromise.
2. The plaintiff owns this card probably more than 10 years.
3. In XXXX, the defendant sent the plaintiff a promotion rate convenience check book.
4. The plaintiff wrote a {$6500.00} check to myself and deposited into a XXXXXXXX XXXX account. And the check bounced.
5. Called the defendant on XX/XX/2021, was told the check only can be used to pay other credit card.
6. Checked the checks received, it says " You may also be able to transfer funds from your available credit directly into your checking account. '' XX/XX/2021 Small Claims Affidavit and Summons Page 1 7. Called the defendant several times and was handed up several times, usually after waiting in the line for more than 60 minutes. Finally reached an oversea call center the plaintiff was able to leave a note in his account that the plaintiff called that day and seeking a solution. The operator is named XXXX. It was XX/XX/2021.
8. Late on the plaintiff was able to use the same convenience checks to make two balance transfers to the plaintiff 's checking account, indicating the check has no problem to be deposited into a checking account. The two transfers totaled more than {$6500.00}, indicating the plaintiff had enough credit to make the first transfer attempt on XX/XX/2021. It is not true that the defendant claimed that those checks are only good for balance transfer to other credit cards.
9. Then the defendant insisted my mailing address is wrong and changed my mailing address. The plaintiff changed the mailing address back on XX/XX/2021. There is nothing wrong in the mailing address. It is a technique the defendant used to avoid responsibility.
10. The plaintiff will seek a payment to offset a check bouncing fee charged by XXXX bank that is {$12.00} on XX/XX/2021 XXXX. The plaintiff will seek a {$88.00} for my time wasted on this issue.
12. The plaintiff will seek a {$80.00} filing fee for this case.
13. The plaintiff will seek a {$200.00} return of service fee for summon delivery.
14. The plaintiff seek a total damage of {$380.00}.
15. The plaintiff will seek possible more damages that come in the future.
3. The events happened within the jurisdiction of the court.
4. I am not suing a government entity. I am not suing a government employee for the employees on-the-job conduct.
5. I am not suing on a claim that has been assigned to me.
I declare under criminal penalty under the law of Utah that everything stated in this document is true. Signed at : XXXX, Utah XX/XX/2021 Signature Date XXXX XXXX
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| 06/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I called barclays and reported my credit card which I paid off over a year ago had payments on it I did not recognize they said they would do and investigation and would let me know what they found out and that I would not have to make a payment and it would not effect my score until they finished their investigation. this has been going on for over 3 months. Barclays sent me a new card canceled the other card and I was waiting to find out about the account I called them again after noticing that they said that XXXX and XXXX were on my card but those were subscriptions that automatically came from the card which I don't know how long I had that set up on the card. I explained I don't have the card that is why I asked for another, each time I called back because the new card kept showing and amount past due and a {$2000.00} dollars a month which they said they credited me for the fraudulent stuff they found not the card but now the other amounts of a card I don't have. they also did not keep their word on not having it placed on my credit report until they finished the investigation and this was stated by there customer service and fraud department. I checked my credit report today and it says that barclays has me 30-59 days late on my payment. I spoke with over 6 people and keep getting transferred to another customer service agent. they have tried to rewrite what My original statement was from not recognizing anything on the credit statement, to I called in to say that the XXXX and XXXX is the fraud which I called in to check which was not my original complaint. I keep explaining that yet they refuse to resolve my issue I agreed that I have a XXXX and a XXXX so if those are subscriptions they come out automatically. Barclays now wants to send me all of my statements to check and see what could possibly be mine on there and fax it back to them when I already explained I do not have the card and did not recognize any of the items on the statements. yet they have placed it as late payments on my credit report which has taken my XXXX XXXX down to XXXX on a perfect credit payment history for years and that is the only bad mark I have on my barclays card. I want my score corrected until they finish the investigation and clear up the debtXXXX case number Barclays call back 2 days. XXXX.
XXXX spoke too on XX/XX/2023 spoke about why do I have a balance left and when I explained to them about not recognizing any of the charges they told me about my XXXX and to contact them about return of my amount because of the missing card. They said the amount deals with other charges not involved in the investigation.
XX/XX/2023 XXXX could not understand her accent and kept repeating the same thing over about me owing interest and a past due balance of the account.
XXXX XXXX not resolved XXXX is not a supervisor Legal Department - fax number XXXX mark account Id XXXX circle and fax them back for investigation 7 to 10 business days to finish.
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| 05/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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In the past couple of months, five months to be exact, I've been under tremendous pressure by my JetBlue Credit card company by Barclays. For charges that are not my doing. On XX/XX/XXXX my husband and I went to XXXX XXXX, XXXX XXXX to celebrate my birthday. We stayed at a hotel-resort from XX/XX/XXXX to XX/XX/XXXX. I got fraud on my JetBlue Credit card on XX/XX/XXXX from a company that I never heard or seeing un my life, named XXXX XXXXXXXX XXXX ( rental car ). For the amount of {$4400.00}, {$3500.00}, {$1700.00}, {$1100.00}, totalling {$10000.00}. However, this amount has increase due to late payment fees and interest on something it wasn't spent by me. Is an absurd amount of money to spent on a rental car company for only 3 days to begin with, it makes absolutely no sense. After disputing these charges so many times and opening several investigation until XX/XX/XXXX, submitting letters and providing evidence to the company that this charges were malicious, Barclays still finds me guilty of charges. Charges that I wasn't aware o. It is absolutely insane for a person to intentionally charge their credit card for such ridiculous amount of money when my husband have many personal vehicles accessible to him. Barclay denied my dispute 4 times, my credit score has drop drastically because of this, interest are going up. This has affected my personal life, my work place and my mental health, I cry everyday, cant sleep at night, thinking how in earth I'm going to pay for such amount of money when I have never spent such amount like that on any of my credit cards EVER. Is affecting my marriage and is affecting my work, because unfortunately I cant not work under this pressure thinking how and why this is happening to me and my credit card company is not protecting me. Who is supposed to protect me when obviously I've being ridiculous scammed, and I say ridiculous because the minute I found out I reported it to JetBlue credit card department, Barclay. The last thing that a manager from Investigation Department from Barclay suggested me by phone that I should travel back to The XXXX XXXX and make a law suit against the hotel. But what they don't understand is that I don't have the time or the money to leave my job, stop paying my other bills to go after the hotel, when this is supposed to be the credit card company job, they are supposed to protect me. I was always on time with my payments on my credit card, always a loyal customer, never made a dispute with them before and now something really serious is happening to me and they're not helping me at all. Please I need help, I don't know what else to do here. I sent them evidence, proof of the complaint I made to the hotel when I found out I was missing {$2000.00} dollars from my bag and also saw the charges on my credit card. I sent them proof of my booking, my check in and check out. I sent them everything I have that proves that I got scammed. Please help me. Thank you!
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| 10/10/2015 |
Yes |
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Web |
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I applied for the Barclays Arrival Plus card on XXXX XXXX, under what I believed to be a 0 % introductory APR for 12 months on all purchases. In reliance on that perceived 0 % APR, I spent approximately {$8000.00} on the card while paying down other cards. I was shocked to review my statements and find that I had been charged {$130.00} in interest over the past XXXX statement cycles. The statements made no mention of the 0 % APR I believed I had applied for.
I called Barclays customer service and spoke to XXXX. She claimed that the Schumer box on my application made no mention of an introductory APR for purchasesXXXX I always read Schumer boxes, and would not have applied for the card if the box indicated otherwise. XXXX claimed the burden of proof was on me to provide a screenshot of the box on the initial application - a ridiculous standard. No consumer should ever have to systematically record every interaction with a financial institution in anticipation of being deceived!
There are XXXX possibilities here. The first possibility is that the Schumer box did mention a promotional APR of 0 %, but a glitch in the system at Barclays led this to drop off the application. In this case, I am clearly entitled to a resolution of a refund on all interest paid, plus the application of the original 0 % APR.
The second possibility is that the Schumer box did not mention a promotional APR on purchases, but that the marketing materials for the card were in some way deceptive or abusive. In the case of a XXXX violation, I am also clearly entitled to a resolution of a refund on all interest paid, plus the application of the original 0 % APR.
I have attached the application landing page currently used to promote the card. In bold font, this page clearly calls out a " 0 % Introductory APR for 12 months. '' Additional copy mentions that the offer only applies to balance transfers made within 45 days of account opening. But the use of bold font, combined with the exact phrase " 0 % Introductory APR for 12 months, '' XXXX strongly imply that the promotional APR applies to purchases as well as balance transfers. I believe this meets all XXXX prongs of the test of Deceptive Practices per XXXX regulations:1. The act or practice misleads or is likely to mislead the consumer ; ( I have clearly been mislead in some way, since I reasonably believed I had a 0 % promotional APR on purchases. ) 2. The consumer 's interpretation is reasonable under the circumstances ; XXXX I develop similar XXXX assets for a living and am well-versed in XXXX compliance, and have never had a negative experience with another bank or card issuer until now. ) 3. The misleading act or practice is material. ( I have been charged {$130.00} in interest, and would be charged over {$1000.00} in the next year given my current balance. ) I would encourage a full audit of all marketing assets used to promote this card, and demand appropriate resolution of my case.
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| 10/05/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account status incorrect
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Web |
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Hello, I have a matter concerning deceptive practices that I would like your help with.
In XXXX of XXXX, I called my existing credit card company and requested to close an account I had with them. The rep that I spoke to said that I would need to speak to a manager to close my account, so after spending 10 minutes with her, going on about why she felt I should not close my account, she transferred me to her manager.
This person tried multiple routes to convince me NOT to close my account. I was very set on closing my account since I was streamlining my finances, and wasn't using this account anymore. The manager explained that since I had had the card for a while, closing the account would 'destroy ' my credit history, and that if I kept it open, he would make a note that I didn't intend to use the account, and flag it if there was ANY activity. He assured me there were no fees, and no downside to keeping it open.
The point he raised around my credit seemed like a good one, and since he said there was 'no downside ', I decided to keep it open. I made sure any billing that was linked to that account was stopped, fully paid down my existing balance of about {$700.00} dollars, destroyed my card, and thought I was covered.
Then, last week, I got a notice from a credit monitoring service I use, saying my credit had dropped over 90 points bc I had a bill in collection, and it was with this credit card. I immediately thought this must be some kind of fraud, so I called the credit card company.
On XX/XX/XXXX, I called, and a rep there, XXXX, told me that I was past due on my account bc I had an unpaid annual fee. He said that since I hadn't had any charges on the account, but still had an open account, they had assessed a fee to keep the account open.
I explained the situation from a year back, how the rep told me there was 'no downside ' to keeping the account open and didn't disclose that there was any annual fee. I also explained that no one from the company had tried to contact me - not by mail, email, or phone - despite having all my contact information. I had not even been contacted by collections, but had to call in myself to see what was going on.
XXXX told me that he couldn't help me, but had submitted my complaint to a manager and I'd hear back within 2 business days with a path to resolving this - 5 business days later, and I still haven't heard anything back from this company.
When I tried to close this account in XX/XX/XXXX, the company 's rep deceived me in an attempt to get to me to not close my account. The company never contacted me about the past due annual fee to let me resolve this before it went into collections and tanked my credit, and I have attempted to resolve it with them, but no one has responded to my issue.
Please help me resolve this issue. I would like to purchase a home soon, and losing 90 points on my credit is a very serious situation for me.
Thank you for your help.
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| 12/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I recently received a copy of my ( XXXX, and XXXX ) consumer report, and I noticed that it is reporting an item without my permission.
BRCLYSBANKDE XXXX # XXXX.
I have not given you ( Barclays Bank DELAWARE ) permission to furnish this item on my consumer report, therefore I am requesting it be deleted immediately. Barclays Bank DELAWARE is also committing fraud by NOT DISCLOSING TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. This action has led me to uncover several violations by Barclays Bank DELAWARE.
This item has 2 violations that I want to identify at this point - according to FCRA - Obligations with respect to disclosures, and Permissible purposes of consumer reports.
Barclays Bank Delaware illegally report item without my consent and written approval.
BRCLYSBANKDE XXXX # XXXX.
List of violations ( this may increase as I review this account further ) : Barclays Bank DELAWARE is in clear violation of 15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) Barclays Bank DELAWARE is in clear violation of 15 U.S. Code 1681b Barclays Bank DELAWARE is in clear violation of 15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information You ( Barclays Bank DELAWARE ), DIDNT DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT-OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer right have been violated, and I have been taken advantage of. This is a fraudulent omission of my right.
Barclays Bank DELAWARE is in clear violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Barclays Bank DELAWARE furnished this report without my written instruction permission. This is a clear violation and fraud. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
Because of your illegal act and continued violation of my rights, I have been denied mortgage loans, personal and business loans, bank accounts, and credits by several banks for months.
I am giving your 48 hours to CEASE and DESIST from reporting this account to all customer reporting agencies.
Failure to respond satisfactorily with the deletion of the above items will result in legal actions being taken against your company for which I also will be seeking {$1000.00} per violation for : 1. defamation of character 2. negligent non-compliance 3. civil liability 4. XXXX XXXX 5. FCRA 15 USC 1681 violations for willful noncompliance -616. Civil liability for willful noncompliance [ 15 USC 1681n ]
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| 01/08/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
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|
Web |
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During a flight on Frontier there was a promotional offer of 0 % interest for the first 15 months of opening the account. Plus additional XXXX bonus miles. I have excellent credit and fly often so I thought it was not a bad idea to get the cars for these promotions. I got the card in XX/XX/2023. The first problem was I was not receiving statements and I had wondered about how to go about getting the bonus miles. I called into the number on the back of the card which also is hard to navigate through their auto reply system which hung up on me many times. After getting through a rep explained to me that in order to get the bonus miles I needed to pay an annual fee which I did pay her that day and I asked if everything was okay on the account otherwise and that I was getting a 0 % promotional interest rate for the next 15 months but now it would be about 13 since the card was opened a few months prior. She said yes you do have the 0 % promotion on the card and everything was good to go bc I was on auto payment. I also requested to have my statements mailed because I can not see my charges and she said she would set that up. Months later I called in because I still was not receiving statements and could not see what I was being charged. The rep which I was on the phone with for about 2 hours in XXXX told me that I was actually being charged am insane amount of interest which was over 20 % for months now and it was around {$1200.00} in total so we went back and forth about it and he said he needed to have time to review my phone calls with the previous reps in order to refund the interest being charged to be but that he would call me back on XXXX XXXX between the hours of XXXX XXXX XXXX and we would go over the details but that in the meantime he could stop the interest being charged if I could pay the card off. I paid him the {$12000.00} that day on the spot and he talked me out of closing the card because he was going to help me with getting the interest credited back to me after he listened to the previous calls so I gave him the chance to fix this. I believe his name was XXXX. I never got a call back from him but he did turn my mail statements on so that I could see they once again charged {$290.00} after I just paid all that money to pay the card off and he told me he was going to make sure my account was corrected. So now I am still getting the run around at getting this card straightened out and getting the interest back when all along I was being told it was 0 % for 15 months. Please help me get to the bottom of this. They are probably taking advantage of other consumers also. It also is very sneaky to set up a person on auto pay and to not send them statements for them to review. My amount of interest so far in XX/XX/2023 is {$1200.00} which is supposed to be {$0.00} for the first 15 months. Not to mention all the hours I have lost due to being on the phone with them to fix this and get the run around.
|
| 09/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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|
Web |
Older American |
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Dear Barclays Bank Delaware Please reinstate my Credit Card and my Line of Credit. The Account was improperly terminated.
I have repeatedly asked to place this card on auto pay. You have my XXXX XXXX XXXX account on file and you know my credit history is excellent. I am XXXX years old.
On or about XX/XX/XXXX I contracted XXXX XXXX [ this fact is not in dispute ] On or about XX/XX/XXXX i paid my bill.
I also asked to be provide with a CC that did not have an annual fee since i was not going to be able to redeem my numerous miles that i accumulated.
I was denied another path. So I was paying for benefits that i was not receiving.
There was a dispute as to what happened to my miles. I had about a XXXX XXXX miles and XXXX free air fairs that were denied me.
I already paid the Fee for the Frontier card for the year XXXXand thereafter my Credit card was wrongfully and without notice terminated My CC was terminated without notice sometimes around XX/XX/XXXX Contrary to Federal and NYS police, I I was not provide the option or address to make a complaint and dispute in writing by any of your representatives XXXX except the last.
FCRA Credit Bureau, Disputes XXXX XXXX XXXX XXXX XXXX XXXX Another credit line was terminated in XXXX. I would like it reinstated as well No notice was given pertaining to the Termination of my two credit lines.
credit card companies are required to give any notice. Although the Credit Card Act of 2009 says creditors must give customers 45 days ' notice of major changes to the terms of their accounts, courts have decided that a card cancellation caused by inactivity doesnt count.
I would like all the miles i earned to be posted. I have used the card for business since the inception. I attempted to redeem my miles and was denied and mocked for asking in XXXX of XXXX I would also like my free tickets for XXXX. I could not use them because of Covid. I paid for them in my yearly fees for the CC.
I would also like my free tickets for XXXX. I could not use them because of Covid. I paid for them in my yearly fees for the CC.
I protest that this conduct is defiant to NYS and Federal Laws.
As the world continues to cope with the impacts of the COVID-19 crisis, federal and state governments are offering relief and resources to Americans affected by the pandemic. In addition, many businesses and financial institutions are stepping up to provide some relief to those who are worried about their financial security.
I would like my Credit rating restored : Lenders as required by the Coronavirus Aid, Relief and Economic Security ( CARES ) Act will not cause consumer credit scores to go down. Your closing of my two accounts did cause my Credit score to go down. In hereby emply XXXX support of the CARES Act urging all consumers who are in financial distress as a result of COVID-19 to contact their lenders and reach an accommodation. I am in medical financial distress from XXXX.
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| 09/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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It has been almost three months since Barclays card committed a fraud against me and the credit bureaus. The have, finally, removed the fraudulent transaction and fee from my account but my credit scores have not been resolved to their levels prior to their fraud perpetrated against me. I have not received ANY copies of ANY communications to the credit bureaus. Barclays caviler attitude towards how this fraud has impacted my personal life is criminal. I demand that Barclays contact each credit reporting bureau personally and resolve the damage to my credit history. I demand a statement credit for the fraud they have perpetrated against me and many others, as documented, on the attached document. Their fraud effected many persons and I can only assume that their attitude and disinterest in making amends to these persons as well has been similar.
" On Tuesday, XX/XX/2022 I requested a balance transfer in the amount of {$10000.00} to my checking account ending in XXXX with XXXX XXXXXXXX XXXX XXXX. This was a XXXX percent balance transfer offer for 12 months. I logged in on XX/XX/2022 to pay the balance transfer fee, {$400.00} and a small outstanding balance of {$20.00} for a total payment of {$420.00}. On XX/XX/2022 I logged in, as I aways do, and my account show a duplicate {$10000.00} transfer to the same account ending in XXXX along with a duplicate fee. I immediately checked the balance on the XXXXXXXX XXXX XXXX XXXX checking account and, indeed, there was no additional {$10000.00} transfer, which would total {$20000.00}, there was only the singular, initial {$10000.00} transfer. I have spent numerous calls and chats over the last two weeks attempting resolution. I should note that my credit score on XX/XX/2022 was XXXX. As of today Barclays is reporting that I am over the limit of my card, a limit of {$12000.00} and a false balance of {$20000.00} and my credit score as of today is XXXX. Their one singular mistake has damaged my credit by almost XXXX points. In addition, throughout all of these calls and secure online chats I have been told the file has been noted and they are working on the situation. The situation, after over two weeks, remains unchanged. My credit score is down XXXX points and the phantom {$10000.00} balance transfer and phantom {$400.00} fee for the second phantom transfer remains on my account. Damaging my credit every day. I have spoke with them on these dates : XX/XX/2022 for 31 minutes, XX/XX/2022 for 20 minutes ( got disconnected after 20 minutes on this call ), XX/XX/2022 for 36 minutes, with online chats on XX/XX/2022 for 16 minutes, XX/XX/2022 for 36 minutes, and XX/XX/2022 for 58 minutes. In each call and chat I've been informed that they are sorry for the inconvenience, even though they are not just inconveniencing me but also damaging my credit. Over two weeks and countless hours attempting to rectify the situation they are unable or disinterested in resolving. ''
|
| 12/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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I wrote in to request that Barclays/AAdvantage Aviator Red Mastercard reach back out to the credit bureaus to notify them that the recent 30 days past due status of my account was reported in error for 4 main reasons : First, the initial charge was made by XXXX of {$17.00} using this card as a backup to my primary card. In conversations on XX/XX/, a representative of AA related to the XXXX charge told me that there was some sort of error processing this charge to my primary card, so the charge went through my XXXX XXXX to charge this card because it was somehow associated with the business ecosystem of the card. They informed me that they do not know what the error with my XXXX card ( my primary card ) was and can not explain, but they are happy to move the charge over to that card. I explained to them that the damage had already been done and that this had caused a very grave impact to my credit score. They told me to let them know how they could help. Please let me know if you would be willing to speak with XXXX XXXX.
Second, because I was unaware of the charge being made to this card, I didnt make any attempts to pay the amount, but as a backup measure, I felt assured that my auto-pay function would pay off any charges that did happen to hit my account including perhaps random fees or errors. In my initial conversation with representatives about this issue, I was told that they could not figure out when I called in to set up my auto-pay because they could only see an online payment for my first card payment. I went through my phone records and found what I believe to be the call where I set up autopay on XX/XX/XXXX
Third, given that autopay was either not completely set up or not set up at all, no payment was made. Over the next 30 days, I do not believe any attempts were made to contact me. In my phone records which I sent them, one can clearly see there are no calls made from the number I was told by the Barclays agent that I would have received a call from ( number here ). Furthermore, I was also told that my e-mail address had been mistyped by Barclays representatives as XXXX instead of the correct XXXX, so any email notification that was sent was ultimately sent to the wrong address. I did previously receive many marketing emails to the correct email address as late as XX/XX/ and now that my email address has been corrected, I am again receiving updates, but for the critical period in question, I received no account-related updates.
Had these errors not been made OR had a notification been sent to my phone or any kind of text message, I would have known the charge had been made and not paid.
Fourth, upon finding out that this money was unpaid through a flag in a credit monitoring app ( XXXX XXXX ), I paid it within 3 minutes, hoping that both Barclays and the credit bureaus could see that this was all related to errors as opposed to non-payment, however apparently I was too late.
|
| 03/21/2015 |
Yes |
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Web |
Older American |
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On XXXX/XXXX/2015 my sister initiated a credit card payment through XXXX XXXX XXXX online bill payment system to L.L. Bean Visa ( Barclay Bank USA ). The original credit card balance due was {$4700.00}. The amount entered by my sister ( in error ) was {$47000.00}, an over payment of {$42000.00}.
I uncovered the over payment on XXXX/XXXX/2015 and as an authorized user on both accounts, immediately called both banks. Barclay Bank US informed us that they would return the original payment of {$47000.00} by issuing an online payment back to XXXX XXXX XXXX. They additionally instructed me to make another online payment for the original amount owed ( {$4700.00} ) before the statement due date of XXXX XXXX to avoid interest charges and late fees, which my sister did on XXXX/XXXX/2015. We were told by Barclays Bank US that it would take a week to 10 days for the original payment of {$47000.00} to be returned to XXXX XXXX XXXX numbers were assigned by both banks to our issue On XXXX/XXXX/15, after confirming with XXXX XXXX that no refund had been received from Barclay Bank, I contacted Barclay Bank XXXX again and re-explained what had transpired to date. I was given no explanation why nothing had happened yet on our case, was issued a new case number and told the the original payment of {$47000.00} would be returned to XXXX XXXX within 2 days.
On XXXX/XXXX/2015 after receiving no payment from Barclay Bank USA, I contacted Barclay bank again, was told that the case number assigned to the call I made on XXXX/XXXX/15 had been closed because Barclay Bank USA was unable to issue a refund to XXXX XXXX XXXX because the original payment had been made through a " XXXX party ''. I asked why they did not inform me of this and got no answer. I questioned who the " 3rd Party '' was and they could not tell me. I got the agent from Barclay Bank USA to conference in XXXX XXXX XXXX online payment department, and the agent from XXXX XXXX confirmed that they use a " 3rd Party '' to process their transactions and recommended that Barclay Bank USA just issue us a manual check for the credit balance on our account, which the Barclay agent agreed to do. I was told by the Barclay Bank agent that this would be done within the next 24 hours and that it would take a week to 10 days for us to receive the check by US mail. She also mentioned that we could monitor our account online and that when we saw our credit balance return to XXXX, we 'd know the transaction had processed. She also assigned a new case number to the transaction.
On XXXX/XXXX/2015 after seeing no change in our Barclay Bank Credit balance, I called Barclay bank again, went through the whole history again, was told that I 'd get a call back that day by a manager, which never occurred. I repeated the same process on XXXX/XXXX/15 and XXXX/XXXX/15, was given no feedback on the status of our case and told a manger would give me a call back, which has not occurred.
|
| 10/21/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
Servicemember |
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I was sent a letter in a first-classmail, postage-prepaid envelope, saying the sending company received an application for a credit card. The return address is : Barclays XXXX. XXXX XXXX XXXX, DE XXXX Aside from the fact that I did not apply for their credit card, this address is out-of-state. They also chose to attach the optional four digits of a ZIP code in the recipient address, but these four digits do not match those of my actual address. Immediately below the recipient address is a USPS Intelligent Mail barcode, which contains the same false extra digits encrypted. On the center right is a XXXX XXXX code that gives a 16-digit number when decoded. A little over two inches above, a small six-digit number beginning with a " 0 '', followed by " 1/1 '', is written and rotated 270 to fit in the letter 's right margin. On the left margin ( also rotated 270 degrees is a six-digit string, with three capital letters and three numerals. There is also, of course, the alleged company Barclays ' letterhead in the top-right corner, with a leftward-looking eagle silhouette logo to the left of the company name.
The letter reads as follows ( personal information redacted ) : " Application : [ 8-digit number ] " XX/XX/2018 " Regarding Your Application for the Barclays Visa with XXXX XXXX " Dear [ first and last name in all caps ], " Thank you for your recent application for the Barclays Credit Card.
" We have reviewed your application and determined that additional information is needed before we can process your request.
" - Please send a copy of the front and back side of the following documents : " - Your Drivers License/State ID, Social Security card, and a current original utility bill or bank statement with your name and address.
" Please respond within 30 days of the date of this letter by sending the requested documentation to the address below. If we do not receive a response within 30 days we will be unable to give your application further consideration.
" Card Services " XXXX. XXXX XXXX " XXXX, DE XXXX " We looking forward to hearing from you to complete the processing of your application.
" Sincerely, " Barclays '' [ no signature ] In smaller print : " NOTICE : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning Barclays is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, Washington , DC XXXX.
" The Barclays Credit Card is issued by Barclays Bank Delaware, XXXX. XXXX XXXX, XXXX DE XXXX. ''
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| 12/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This complaint is regarding Jet Blue Barclays credit card and their inaccurate reporting of my account to the credit bureaus.
I have submitted multiple complaints to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All of which have been changed to reflect 60 days late for XX/XX/XXXX, then gone to 30 days late, then gone back to 60 days late. None of the investigations are taking my submitted information and proof of payment into consideration to see this reporting is incorrect. My payments are due on the XXXX of every month. I paid XXXX payment on XX/XX/XXXX. Which was late but not 30 days late. Barclays still reported this to be 30 days late. I sent XXXX proof of my payment date along with proof of my payment from Barclays on the XXXX.
I have also contacted Barclays credit card on XX/XX/XXXX and spoke with an account XXXX XXXX, who looked into my account and said ON A RECORDED LINE that the reporting was inaccurate and she was putting notes on the account to have the 60 day late reporting changed and sent to the bureaus as well as waive the late fees on the account. This was on XX/XX/XXXX and she stated that Barclays was to be reporting on the next day on XX/XX/XXXX. She also stated that she didn't know when the bureau will update the information but that Barclays was sending the corrections. I also asked her to send me a hard copy letter stating this information, sash said she was having this letter sent.
I have waited for the next update of my credit report from XXXX and nothing was changed to reflect the new information. I called Barclays Bank on XX/XX/XXXX and spoke with XXXX ID # XXXX, who again reviewed my account and said she sees where the late fees where waived and a letter was sent but can not see what else was discussed. I asked to have the phone conversation pulled to confirm the conversation snd the promise I was given b XXXX on XX/XX/XXXX. She put me on hold to see if a manger could review the call. After a few minute wait she said she was told that she needed to put in a complaint request to have the call log pulled and reviewed. My complaint # is XXXX and I was told that a manager will call me back within 5-7 days.
I went on my XXXX report again today and it is now again changed to reflect 60 days late for the month of XXXX of XXXX which changed from the previous 30 days late from the last investigation 10 days ago. This is a nightmare and there is no one to get ahold of at XXXX. The phone call just keeps going around and around with no way to get anyone on the phone. Barclays is giving me the run around and at the end of the day it is the consumer who is paying the prove for 7 years.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 03/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Up until XXXX I paid for a storage unit using my Barclays Mastercard.
I had auto paid in XXXX, then toward the end of the month I went to the center and changed the auto pay. I decided to start using my Visa card instead.
On XX/XX/XXXX I got a late notice from RCI via email. First of all, it was autopay. Secondly I always pay on time, on the XXXX of the month.
I contacted them, explaining the situation to XXXX. At the time I thought I had been double billed which didn't make sense. He said that there was no scheduled payment for XXXX and wanted to know how I had processed the payment. I told him again that I was no longer using this credit card, that I now pay with a different card, and that I should not have been billed. he kept saying that I owed {$130.00}. I told him that I was disputing the charge, disputing the late fee and the interest. XXXX said he would waive the late fee and interest charges but I still owed {$100.00}. Told me to contact the merchant the next morning to issue a refund on my account. That it was on XXXX XXXX that I got charged. He stated that once Barclays received the credit it would reflect on my account and satisfy the current balance. Also said that I could contact the dispute department if I got no response from the merchant. XXXX.
I went to XXXX XXXX and XXXX at XXXX XXXX XXXX assured me that they did not double bill - they only charged my Visa card for XXXX.
I duly reported this to the Mastercard company on XX/XX/XXXX. I was told to call the dispute department, who doubted my veracity.
By now it is XX/XX/XXXX and I keep getting robocalls at all hours stating that my card is overdue. I don't have timestamps on my home phone so I can't detail the times. I can state that sometimes it was as early as XXXX in the XXXX. I have XXXX, so every time the answering machine beeps, it wakes me. I changed my contact number to my cell but it didn't stop the robocalls.
I finally started turning off my phone when going to sleep.
Called again XX/XX/XXXX. No live person available.
I returned to XXXX XXXX XXXX. The manager gave me copies of my past billing as well as a signed note stating that they did not bill Mastercard after XX/XX/XXXX, and provided the paper showing that I paid in XXXX with a Visa card. I sent all of this information via XXXX which arrived date stamped XX/XX/XXXX.
I contacted Barclays again XX/XX/XXXX because the calls and emails would not stop. Spoke to XXXX # XXXX, asking to speak to a supervisor. After being on hold I was told no supervisor was available.
I immediately called the billing dispute department - same thing. No live person with whom I could speak.
The phone calls finally stopped but I still get daily emails stating that I am behind on payments, that I can use my tax refund to get back on track, or to explore ways to get my account up to date. As recently as yesterday.
This is exhausting and I am tired of dealing with them.
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| 10/01/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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The issue I'm currently experiencing with my Visa, Wyndam Rewards card. Around the end of XXXX early XX/XX/2019, I called my CC 's 800 number to simply check my balance.
When I called in I was not offered an option to hear my account balance via the automated system I was sent to a Customer Service Rep. I verified myself and explained to the CSR that I was in a hurry, I just need to get my account balance but was unable to retrieve it through the automated system. To which the agent stated that she would first need to clear up the fraudulent transaction 'flag ' she was getting ; as we started this process she wanted to mail me a new a card, I declined. There was an obvious language barrier ; she stated that she could not complete the action w/out requesting a new card. I let her know I didn't have time to do this, I just wanted my account balance to just leave the charge for now and that I'd call back and deal w/ it later. She would not give me my balance information, to which I became very upset and asked what would happen to my account balance if I were to just cancel the account. She answered my question. She then asked me if I wished to close my account ; I told her no, I believe I was cursing because I was so upset I still didn't have my account balance after all this and disconnected the line.
I called back on XX/XX/2019 to inquire about my account balance ( as I pay my bills at the end of the month ). Again, I was not offered the automated system and was given to an agent. The first thing I brought up was taking care of the fraud charge and stated that if it was necessary to go ahead and send me a replacement card. The agent was very helpful in getting my account balance but was confused as to why I kept mentioning the mailing the of a new card. After a lot of back and forth and a clear language barrier, the CSR disclosed that my account was closed. To which I informed her that I had never requested for my account to be closed. I requested a Supervisor ; I was put on hold for over 30min. only to be told no Supervisor was available and that it would be taken care of by her supervisor w/in the next 24-48 hours and that they would listen to phone call to confirm.
Today, XX/XX/2019 I received a letter from Barclays that they apologize but are unable to reopen my account. I then tried calling back and requested to speak to a supervisor about my problem and was left on hold for over and hour and a half ; at which time my cell phone dropped the call.
I am not only upset that this agency has fraudulently closed my account without my request or permission. Then lie to me and tell me that it will be taken care of as it was their mistake. And then like a coward send me a letter in the mail stating that it's against their procedures to re-open accounts .... Well where in their procedures does it give a CSR the right to just close an account without the cardholders request or approval.
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| 09/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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XX/XX/XXXX Noticed my Credit Score/Rating was dropping. Since there was no reason, looked up the reason. Thousands of dollars were listed on Barclays XXXX XXXX XXXX when no purchase was made since XX/XX/XXXX.
Tried to log into my Barclays online account using my login and password. My login would not work.
1st call on XX/XX/XXXX : Using the phone number on the back of my credit card, I phoned Barclays to find out what was happening to my account. Was told that the credit card I had was no longer valid. Told that another card was issued and that multiple charges were made in XXXX and XX/XX/XXXX, all fraudulent as I confirmed with them. Credit card that was issued by Barclays sometime in XXXX (? ) was not even in my possession at the time. Barclays stated that they would cancel that credit card and issue me another. When they told me where they were mailing it, it was the wrong mailing address. I had Barclays correct my mailing address so that it was the right one, one that I have had for over 20 years.
2nd call on XX/XX/XXXX : In looking up fraud charge handling and filing with XXXX , XXXX and XXXX I found the name XXXX XXXX XXXX and her address in WV. I again contacted Barclays where they told me that she was an authorized person on my Barclays credit card. I told them that there was never an authorized user on ANY of my credit cards, EVER. They told me that was the address they were using. Of course I told them to stop!
3rd call XX/XX/XXXX : Contact Barclays after I received a letter from them stating " We received your request to remove XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX Card account referened... This request has been processed... '' I tried to talk with the correct departments to let them know that I never gave permission for an authorized user of my credit card. I also told them that I with all that occured, it was Barclay 's own people who set up the fraud by issuing a brand new credit card, with a new credit card number and a new address without my knowledge or verification or communication that this had even happened. Now, the account and all the fraudulent charges are under review for " 60 to 90 days ''. I had absolutely no knowledge of Barclays even switching everything on my credit card nor can I even log in to my account online since someone changed all access information.
Please help me as this sounds completely like an inside job at Barclays at this time. I still have not received my new credit card so that I can even get to a login and look at all the damage done by Barclay 's authorized person. Why did Barclay not tell me about this fraudulent authorized user when I called the first time? Something seems really suspicious and off with this entire situation and I am requesting someone else oversee Barclay 's process. Thank you for any assistance in this matter. As a side note, I will be cancelling this credit card once I can get back into my online account.
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| 07/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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Barclay 's Uber Visa card states on it's website that : Once earned in your card account, there are two ways to transfer Uber Cash to your Uber account for Uber services. At any time, you may choose to transfer Uber Cash from your card account to your Uber account by selecting the option to manage your Uber Credit Card rewards when you access the Uber app. Once you have accumulated at least {$50.00} Uber Cash on your card account, Uber will automatically transfer the entire balance of Uber Cash in your card account to your Uber Cash balance on your Uber account. Once your Uber Cash is transferred to your Uber account, you may redeem for Uber services, including Uber rides, Uber Eats orders, and JUMP rides.
However -- there is no way to " at any time '' transfer uber cash to your uber account. I reached out to support on XX/XX/20 -- -- -- -- -- -- -- -- -- -- -- -- Customer XXXX XXXX via XXXX XXXX XXXX XXXX Hi Folks, I am having some trouble transferring my rewards to my Uber/UberEats account, even though this card is linked in those accounts.
The help guide says " at any time, you may choose to transfer Uber Cash from your card account to your Uber account by selecting the option to manage your Uber Credit Card rewards when you access the Uber app. '' What exactly do I click on when I open the app to get the options to " manage your uber credit card rewards ''? Options include : My name, your trips, payment, help, uber rewards, settings. I've tried all of these to no avail -- so if you could provide the exact path, I would appreciate it.
Thank you!
-- -- -- -- -- -- -- -- -- -- -- -- -- - Their response : Response Care via EmailXX/XX/2020 XXXX XX/XX/XXXXDear XXXX XXXX : Thank you for contacting us regarding your Uber Credit Card. We can certainly explain regarding the product change on your account.
Please be advise that automatic redemption is a benefit of the Uber Credit Card and may prompted our system to send an automatic email notification. In line with this, please be informed that once you have accumulated at least {$50.00} Uber Cash on your card account, we will automatically transfer the entire balance of Uber Cash in your card account to your Uber Cash balance on your Uber account. Once your Uber Cash is transferred to your Uber account, you may redeem for Uber services, including Uber rides, Uber Eats orders, and JUMP rides.
Please be advise that Riders contact Uber through email only at XXXX and their website at www.uber.com. We appreciate your continued business with us. If you have any other questions or concerns, please reply to this message.
Sincerely, Customer Care -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have found evidence that other cardholders are experiencing this problem too -- and that even at the {$50.00} " automatic '' threshold, money is not being transferred. See the below references https : XXXX XX/XX/ ( Comment from PhanaticalTraveller )
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| 09/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I initiated a balance transfer from my XXXX XXXX XXXX XXXX XXXX Credit Card to my Barclays Frontier Airlines Master Card to take advantage of a zero percent APR offer. The transfer had not been completed within 7 days so I contacted Barclays to ensure everything was being processed. After verifying the account information the representative with Barclays informed me that everything was correct and that I needed to wait 15 days for the transaction to be complete.
The transfer had not been completed after waiting the 15 days so I followed up with Barclays again. This time the agent said that they had transposed some numbers on the account and needed to update the information. I was told that the transfer would be completed within seven days.
The balance transfer was not completed after waiting the 7 days that the agent said it would take so I followed back up. At this point, I spoke to a manager who informed me that the request for account information update had not been processed and it would take another two weeks for that to happen. I informed the manager that I no longer wanted to do the balance transfer because Barclays had not followed through with resolving this issue. The manager told me that the transfer would be canceled and the charge would drop off my card in seven business days.
The charge was still on my card after the additional seven business days so I spoke to another manager at Barclays. I was informed that this was still under investigation and they could not give me a date as to when the charge would be removed from my Credit Card.
Timeline : XX/XX/2021 - Transaction for Balance transfer of {$950.00} posted to my Barclays Master Card XX/XX/2021 - A Balance Transfer Fee of {$19.00} was charged to my Barclays Master Card Approx. XX/XX/2021 - XX/XX/2021 - I contacted Barclays and was told to wait 15 days after the transaction was posted to my acount.
Approx. XX/XX/2021 - Contacted Barclays and updated account information. I was told this would post in 7 days.
Approx. XX/XX/2021 - Contacted Barclays and said I would like to cancel the transfer after learning that the change in information had not been completed. I was told that the transaction would be off my account within 7 days.
XX/XX/2021 - Contacted Barclays and was told that the transfer was still under review. The request to cancel the transfer had not been processed and that it would be reviewed.
Problem : The original {$950.00} that was to be transferred from XXXX XXXX XXXX XXXX XXXX is still on that account accumulating interest.
A new balance of {$950.00} + {$19.00} Balance Transfer Fee was posted to my Barclays credit Card on XX/XX/2021.
My Credit report was updated to show a balance of {$960.00} on my Barclays account in addition to the {$960.00} on my XXXX XXXX XXXX.
A minimum payment of {$29.00} towards the {$960.00} that was not transferred to my Barclays account is due on XX/XX/2021.
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| 03/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I am writing to you today to express my concerns regarding fraudulently furnished late payments that have been added to my credit report by your company. I have reason to believe that I am being extorted by your company, which is a serious violation of my right to privacy. As you may be aware, Congress has mandated that all financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The addition of these fraudulent late payments to my credit report has caused substantial harm and inconvenience to my financial reputation due to fraud, which undermines public confidence in the banking system. According to 15 U.S. Code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Additionally, I should have received a negative information notice no later than 15 days after the alleged debt was validated with me as the consumer. If your company can not provide proof that they lawfully validated this alleged debt with me before furnishing it on my consumer report, then it is my belief that this has been a fraudulently furnished late payment with forethought and malice intended to cause me harm. Please be advised that under 15 U.S. Code 6821, any false, fictitious, or fraudulent statement or representation to a customer of a financial institution is a violation of federal law and will be held liable under 15 U.S. Code 6823 ( a ), with fines up to {$500000.00} for a felony by an organization, imprisonment for five years, or both pursuant to 15 U.S. Code 6823 ( a ). I demand that these late payments be updated to PAID AS AGREED and that each late payment be deleted from my credit report immediately to prevent further harm to my financial reputation. I will consider any non-reasonable response as frivolous and will file a fault judgment in the favor of the interest of me, the consumer, the holder in due course, the attorney, and the administrator in fact. I am giving you 15 days from the date of delivery to respond to this notice. Failure to disclose requested documents SUCH AS all documents, papers, correspondence, books of account, and financial and corporate records. or provide a response to rectify any faults by Barclays will serve as acquiescence and your agreement to a default judgment against your company for the dishonor in the negotiable instrument, bank fraud, creation of the false and deceptive form, mishandling of goods, compromising my relationship with other financial institutions, and including stress caused to me in the attempt of exercising my rights in good faith. I expect you to handle this matter with ordinary care and address all subject matter. I thank you in advance for your anticipated quick cooperation on this important matter. Account XXXX : XXXX XXXX XXXX
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| 06/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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I entered into an agreement with XXXX and XXXX on XX/XX/2019 ; reference XXXX Trip Number XXXX ; for a flight on XXXX XXXX and a car rental from XXXX during the dates of XXXX through XXXX XXXX to XXXX XXXX, XXXX . The agreed upon amount for the car rental was {$140.00} for the dates of XXXX through XXXX XXXX.This was booked and confirmed on XXXX.I called XXXX directly on XXXX XXXX and spoke with XXXX, who confirmed the total amount for the rental period was {$140.00} with no additional charges. I was told this was on a recorded line, thereby allowing you the availability to listen to this recording.
When we arrived in XXXX XXXX XXXX XXXX, we proceeded to the XXXX counter which XXXX was nice enough to have given me directions from the gate to the counter on XXXX XXXX.It was at that time we were told I had to take Liability Insurance on the vehicle in the amount of {$16.00} per day. I stated the entire scenario to the gentleman at the counter ( through an interpreter ) and that I adamantly denied the Liability coverage. He told me the only way I could drive the car was to take the Liability coverage and dispute the charges with Corporate. Since we had no other option, I wrote denied coverage, dispute charges ALL OVER THE AGREEMENT, which I notice XXXX did not put in their package. They also demanded a deposit in the amount of {$1100.00} at the time of rental. Once again, I had no other choice, since my significant other and I had 6 suitcases and no other means of transportation for the time in XXXX.
We called XXXX while in XXXX and were told the same thing, to take the rental and then dispute the charges when we got back home.
When we returned the car, I once again vehemently denied the charges for the Liability coverage and when I refused to sign for the {$660.00}, I was told they would put the total amount of {$1100.00} that I had to use as a deposit on my account. I was again at their mercy and was coerced and intimidated into signing for the charges. As displayed, I again wrote that I was disputing the charges and had declined Liability coverage.
As soon as we returned home I called XXXX and tried to work out the charges, but was told they would do nothing to satisfy my requests per the Emails. I then called XXXX to place a dispute on the charges and provided all of the agreed upon contract pricing entered into on XXXX charges were placed in dispute and I was credited {$510.00} ( the amount charged from the Liability Insurance ). When I was notified that you were siding with the Merchant, I requested a letter stating your response and the documentation and correspondence from the merchant.
At that time I contacted the Federal Trade Commission, the Consumer Financial Protection Bureau and an Attorney specializing in these matters. ALL OF THEM AGREE, I can not be held liable for charges that I was coerced into signing and threatened with retaliatory action if I did not sign.
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| 04/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I would like to file a formal complaint against Barclay US and their business practices.
I had two credit cards with Barclay through XXXX XXXX. On XX/XX/XXXX, I called to pay off the balance on the credit cards with Barclay then subsequently close the accounts. The Barclay representative took my payment information, transacted the payment ( {$2400.00} and {$3200.00} ), and then told me that both accounts were closed.
Evidently, one of the accounts was closed but the other was left open. In XX/XX/XXXX, a charge of {$49.00} ( credit card annual fee ) was placed on the open account. I had paperless billing so received an email that a statement was available but my online access had been terminated so there was no way to access the account to see the transaction or the balance. I did not pay much attention to it since I believed the accounts had closed. I had no way of knowing that a charge was on one of the accounts.
In XX/XX/XXXX, I received an email indicating that my account was seriously delinquent. I called the number on the email and found out from the Barclay representative about the XX/XX/XXXX charge AND that I had been subsequently charged {$30.00} late fees for the past six months. I explained that I did not know about the charge nor the late fees and that I did not have online access to even review the transactions. I was assured by the Barclay representative that the late fees would be adjusted.
In XX/XX/XXXX, I found on my credit report that a balance ( {$310.00} ) was still outstanding and that I had delinquent notations with the Credit Bureaus for the past 8 months. I called Barclay and was told by the representative the fees that I had been told were adjusted in XX/XX/XXXX were replaced by a debit for the same amount. The Barclay representative could not explain the debit and said they could not help me any further. I requested to speak to the manager ( XXXXXXXX ) who told me that not only could he not explain the account but that the account has been referred to a collection agency and that I would have to wait a week before I could call back and pay the balance.
I am furious. As a consumer, I feel that I have no power except to simply pay their ridiculous fees. Barclay failed to close the account. Barclay failed to provide adequate means of notice. Barclay told me they adjusted the fees but then subsequently put them right back on without notice or explanation. Barclay is now unable or unwilling to resolve the account. Barclay holds the health of my credit hostage and we, as consumers, have no power to affect the outcome except to simply comply with their business practices. I could hire an attorney and try to affect some change but have little confidence that it would have any affect with this giant, XXXX dollar corporation.
I appeal to your agency to hold large organizations like Barclay accountable or at least keep consumers informed of others experience.
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| 02/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I was been informed by XXXX that the referenced payments totaling {$5000.00} have been cleared and cashed by Williams SonmaXXXX Barclay and NOT transfer to new account Williams SonomaXXXX XXXX ( like the other payments had ).
However, the five payments are not represented on the statements. True and correct copies of the statements for the periods in which the five above referenced payments were made to you are attached hereto, and incorporated herein.
I call it the blame game, but I'm the biggest loser! I thought I only lost {$5000.00} but really the lose it is so much more! My story began in XXXX when I got a Williams Sonoma Visa Credit Card issued Barclay Card. In XXXX XXXX XXXX took over my credit card agreement with Barclay Card.
In XX/XX/XXXX I was applying for a home loan and the lender stated that I needed to pay off the remaining balance on my Williams Sonoma credit card before funding in XX/XX/XXXX. I always made the payments the same way using bill pay via XXXX XXXX Actually I had always made the payments the same way and not even updated since XXXX bill payments. I would bill-pay the same account number I had been using since XXXX.
In XXXX of XXXX at closing the lender stated that I still had a remaining balance of over {$5000.00} showing on my williams-sonoma card I stated that was impossible because I had made five {$1000.00} payments and that the card was completely paid off. I gave the lender proof of payments and sent them too XXXX XXXX so they could update their records. Obviously, this was important to me because this put me in a different bracket as far as points on my home loan went. This ending costing me 1 point ( on a {$450000.00} home loan ).
At this point I'm completely out the missing {$5000.00}, interest, points on mortgage and my credit reports are not correct. 5 payments in the amount of {$1000.00} each were made to XXXX XXXX ( The same way every via bill-pay from XXXX XXXX for the past 3 plus years to XXXX XXXX XXXX XXXX
Each payment of {$1000.00} was made was electric from XXXX to XXXX some way for the last 3 years NO changes! It is set-up automatically for weekly payments. I noticed that my payments were not posted, so I called XXXX XXXX and they stated I did not make the payments. I called XXXX XXXX. XXXX XXXX and I called XXXX XXXX together and once XXXX XXXX stated the payments were not made.
XXXX and I both sent back-up 's of the payments totaling over {$5000.00} that are missing and they still state the payments were not made. XXXX disputed the 5 payments and gave us a {$5000.00} credit on XX/XX/XXXX only to reverse that credit onXX/XX/2019 for {$5000.00}. XXXX stated since no changes were made to the payments for the past 3 years and the wired funds did go to the same account they could not help me ( basically since I sent the payment the same way for the past 3 year with no changes electrically no fraud was found ).
|
| 01/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
On XX/XX/XXXX, I noticed a new Credit Card was opened on XX/XX/XXXX with Barclays Bank Delaware, address po box XXXX, XXXX, DE XXXX by reviewing my credit report monthly. I didn't recognize this card and knew it's fraud as I didn't request to open any credit. So I submitted a dispute to the XXXX credit reporting agencies in separate dates : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ).
On XX/XX/XXXX, I received a letter from Barclays Bank Delaware dated XX/XX/XXXX stating that " they received my dispute but confirmed that my account information is being reported accurately after they did an investigation '', and this letter also states it is a " Frontier Airlines XXXX XXXX ''.
I called the Barclays Bank Delaware Customer Service number XXXX on XX/XX/XXXX ( same day I received its letter ) to report a fraudulent activity and got to speak with its representative named XXXX. She said the account was closed so I should not worry as no one could use it. I asked further question about the reason for the account closure as I knew if the account was close due to the request of the account holder, that would be negatively impact on my credit history. I wanted to make sure the account was close due to fraudulent activity. However, she could not verify that reason rather than confirmed account closed. After the phone call, I didn't feel confident with the phone-reporting, I wrote and mailed the a letter to request for re-opening an investigation as it's a fraud, I mailed the letter on XX/XX/XXXX. Additionally, while I was waiting on phone to speak to its person, I got to know that the card has {$89.00} balance and {$400.00} cash withdraw, however I never received this card.
While I was waiting for the dispute result after mailing the letter to Barclays Bank Delaware, I consistently received the letter from them again dated XX/XX/XXXX and XX/XX/XXXX stating the same thing " They received and acknowledged my dispute but confirmed that my account information is being reported accurately after they did an investigation ''. Additionally, I received two dispute results from XXXX and XXXX. XXXX result shows ; " The Information you disputed has been verified as accurate but information unrelated to your dispute has been updated with the results, THIS ITEMS HAS BEEN DELETED FROM THE CREDIT LINE ''.
XXXX results shows : We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Not Specified.
On XX/XX/XXXX, I sent a second request to dispute this card to Barclays Bank Delaware, after receiving two of its letter confirming my account is reported accurately plus the disputes with two credit reporting agencies were not successful. I decided to report another identify thief to your portal to protect myself. I am still waiting for XXXX dispute results, and response from Barclays Bank Delaware after I sent two letters.
|
| 12/12/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
I am a card member with Barclaycard, specifically their XXXX, XXXX card. On XXXX XXXX, XXXX, at XXXX PM, I called XXXX and followed the requested prompts which connected me to Agent, XXXX ( they claim that they do not use names, only " code '' for identifying their agents ). I was calling to request that they assist me in cashing in XXXX of my XXXX for a {$250.00} XXXX gift card as reflected on their website. The agent claimed that he was unable to process my request and put me on hold for an extended amount of time and next thing I knew, the phone was ringing and an agent with XXXX was on the line. The XXXX XXXX and I briefly discussed my request to redeem my card rewards and agreed that I needed to discuss the request with Barclay not XXXX and he was unable to transfer me back to them so he confirmed that I had their telephone number. I immediately called the telephone number referenced above and reached Agent, XXXX who was actually the person that identified that my original call had been intercepted by a third party so not only my personal information but my card information was fraudulently obtained by an unauthorized party. He then assisted me with closing out the card and issuing me new one. He stated it had to be a third party due to the fact of the XXXX {$15.00} pending charges reflected on my account. He then explained that the pending charges would not happen if my request had been handled internally. At that point, we were at a standstill because I was waiting on my new card to arrive in the mail and we agreed that once my new card was received, I would call XXXX their Manager Line to activate my card and request the reward redemption again at that time. My new card was delivered to my house VIA XXXX sometime Saturday, XXXX XXXX, XXXX. On Sunday, XXXX XXXX, XXXX at XXXX, I called the Manager Line and spoke with Agent, XXXX who assisted me in activating my new and then we again attempted to redeem my rewards as stated above and she too was unable to complete my request. She then stated that she would escalate the issue to the Rewards Redemption Department and provided me with Case # XXXX. As of today, XXXX XXXX, XXXX, I had not heard from Barclay so I again called the Manager Line and spoke with Agent, XXXX at XXXX. I explained my situation to her and requested that she assist me with my request and she stated it could take up to 30 days for them to resolve my case. At this point, I expressed my frustrations to her and she claimed to attempt to process my reward redemption and was of course unsuccessful. I then requested the case number for the issue of my personal and card information breech and she stated that anyone investigating the case can request to speak with the Security Department. Screenshots of my call log, XXXX gift card options offered via their website and XXXX Total were all emailed to XXXXXXXXXXXX on Thursday, XXXX XXXX, XXXX at XXXX and XXXX.
|
| 09/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have sent numerous request to Barclays Bank Deleware via Certified mail with return receipt, Requesting proper validation of this debt they claim. each time the company ignored my request and sent the same computer generated letters with itemized bill ect.. I shared the FTC option letter with itemized bills with them.
They have not provided me with any documentation bearing my signature, Showing any type of agreement or contract between myself and the party.
I have called this company onXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Each time I requested information/ Documentation bearing my signature showing that I owe them money and that the account belonged to me, They refused each time, I was told they could not honor my request.
I sent them the first letter dated XX/XX/XXXX, They signed for it on XX/XX/XXXX I sent the second letter dated XX/XX/XXXX, They signed for it on XX/XX/XXXX I sent the third letter dated XX/XX/XXXX, They signed for it on XX/XX/XXXX I sent the last letter dated XX/XX/XXXX, They singed for it onXX/XX/XXXX After each letter they did not actually mark my credit reports as " Disputed '', They marked them as " Investigation complete, consumer does not agree '' They also Deleted the account off my consumer credit reports and then added them back on the reports causing my scores to drop 20pts each time.
I feel that I have gave them ample enough time to resolve this issue and send me the documents bearing my signature, showing that I have an obligation on this alleged account.
This company has also reported to the Consumer credit reporting agencies, Wrong names and Address that I have never had, claiming them to be mine, In which the Consumer credit reporting agencies will not correct the error with name or address because it is connected to this account.
The responses I seem to get repeatedly is : " We completed our investigation and confirm your account is being reported accurately ''. I have not seen any proof that this is being reported accurately as of yet. They have failed to prove any of the information I have requested.
This company sent me a computer generated paper that they claim is the application I filled out for this alleged account, after looking at it, it does not have any part of my social security number on it to identify me, It has an incorrect last name and e-mail address that I have never owned. and an address I have never had, lived at or had anything to do with in a city I have never lived in. The mothers maiden name is incorrect ( NOT MY MOTHERS MAIDEN NAME ) This is claiming that I applied online, At that time I did not use the internet, I did not use computers and I was living at my current address, where I have lived for the last 25 years.
In some of the correspondence from this company they have referenced my " XXXX Account '' I have no idea what that is.
I have attached all correspondence from me and this company to this report.
|
| 05/22/2016 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
|
Item purchased not as described and vendor would n't answer means of contact provided on invoice for return, no address provided. As a result of not being able to contact the vendor I opened a dispute ( Case ID XXXX ) with Juniper bank specifically noting I could not get a response from the merchant and an address was n't available. A received a denial letter on XXXX/XXXX/16 stating the vendor had n't received the product back yet and Juniper stated the dispute was closed. I acknowledged said fact as it was the entire reason for opening the dispute and as requested by Juniper I sent a written request to reopen the dispute on XXXX/XXXX/16, they obliged. On XXXX/XXXX/16 Juniper called me and noted the dispute was re-opened and I verbally requested the vendor 's address for return. They said they 'd call me back. On XXXX/XXXX/16 I called Juniper and requested the address for return and was told the dispute was closed. I informed them it should n't be as they already acknowledged receipt of my XXXX/XXXX/16 letter requesting re-opening. The Juniper agent, said " ok it 's opened again '' and I yet again requested the vendor 's address. Juniper said they 'd call me back. On XXXX/XXXX/16 I called Juniper again and requested the address, the rep. gave it to me this time and I asked, " will I receive the full refund upon the vendor receiving the returned merchandise? '' The recorded response was, " yes provide us with written tracking that it has been delivered and we 'll credit your account. '' I shipped the package on XXXX/XXXX/16 and upon delivery provided Juniper with written documentation of its delivery. On XXXX/XXXX/16 I received a letter stating I would not be receiving the credit as the case has been closed since a letter dated XXXX/XXXX/16, one I never received. Also note above everything that happened after XXXX/XXXX/16, XXXX/XXXX/16 the operator noted it was re-opened and XXXX/XXXX/16 being told to mail the merchandise back for a credit. Why if it were closed are they telling me to send merchandise back? Only after I jumped through all of their hoops and incurred additional ( return shipping expense ) did Juniper renig on their offer. I called and spoke with a so called Sr. Customer Service Management and asked why I was told to send the merchandise back on XXXX/XXXX/16 if the case had been closed since XXXX/XXXX/16? I was told the ( XXXX/XXXX/16 ) rep. did n't have the authority to do so and for me to deal with the vendor!!?!!? I guess the Sr. Customer Service Manager did n't even read the file or she 'd know that 's the entire reason for the dispute in the first place. I asked Juniper to stand behind their XXXX/XXXX/16 rep. and they would not even though it 's on a recorded line. The Sr. Customer Service Rep. said she would need a RMA from the vendor ... ... ... ... ... .the one I ca n't get in touch with and proved to Juniper multiple times throughout the process.
|
| 05/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
Hi, On or about XX/XX/XXXX, I did not hear my phone ring so my daughter-in-law/alternate contact got a call from Barclays security/fraud unit requesting that I should call back . I called back and was told that my XXXX XXXX XXXX XXXX XXXX had transactions in XXXX, MA : XXXX XXXX over {$3000.00} and XXXX over {$1000.00}. I told Barclay agent that I live in Hawaii and I have never been to MA and I don't have an authorized user/another card with the same card # s. Barclay agent was pleasant and said I will not be liable for fraudulent charges, to destroy the card I have and will be issued a new card.
When I did not receive my replacement card, my daughter-in-law helped me call Barclay and that was when we found out it got scammed before I got it. My mailing address in BArclay database was changed to another address and there were 2 unauthorized cash advances for {$1000.00} ( total ) at XXXX XXXX XXXX XXXX MA. I told Barclay I have not left Hawaii for the last year so I did not make those transactions.
On XX/XX/XXXX, my daughter-in-law checked my mail that I did not open yet and there was a letter from Barclay stating the {$4300.00} charge from various merchants : " We issued a provisional credit to your account for the full disputed amount on XX/XX/XXXX while we investigated this activity. We've completed the investigation and found the activity is valid. Therefore the provisional credit has been reversed and the amount owed has been places back on your account. '' My daughter-in-law helped me call XXXX to dispute that their investigation for {$3000.00} ( XXXX XXXX ), {$1200.00} ( XXXX ) and {$1000.00} XXXX XXXX XXXX XXXX ) was correct as I was never in MA buying stuff or getting {$1000.00} in cash advance. The Barclay agent we talked to was XXXX ( said her employee ID was XXXX ) who said because a credit card was presented for those transactions, they are valid charges and that I need to prove I was not in MA. I was mad so I swore that I'll get a lawyer. My daughter-in-law said we should report Barclay to state/federal regulators because there could be other seniors that were victimized twice : 1st was by the scammer and 2nd time by the bank. I want Barclay to produce store/bank security camera videos to prove that I was in MA using my credit card. My daughter-in-law said my doctor can vouch that I have not left Hawaii from XX/XX/XXXX to XX/XX/XXXX because my XXXX XXXX XXXX got worse to XXXX XXXX that was leaking blood and water. I had wound care clinic, hospitalization, skilled nursing rehab home, home health care and doctor appointments. Which airline is going to let me fly when my leg was constantly leaking fluids and needed dressing changes. On XX/XX/XXXX, my daughter-in-law picked up a letter from my doctor, XXXX XXXX XXXX, MD stating that I was not cleared to fly until XX/XX/XXXX.
Pls. help me resolve this as I am stressed and worried and can not sleep.
XXXX
|
| 11/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
My problem started on XXXX XX/XX/2021, when I received a letter from XXXX credit card from Barclays dated XXXX XXXX XXXX stating that my XXXX credit card from from XXXX was being replaced with a XXXX credit card from Barclays in XXXX, giving details of the contract. I had XXXX for 19 years and was happy with the service so I did not want to change companies. I called the number in the letter to tell them not to send their card and that I did not want it. When I called, all I got was a recording and I was unable to stop the cards from coming. PARAGRAPH 8 of the letter states that I can call and reject the offer but the cards would still be sent. I sent a letter to XXXX on XXXX XX/XX/2021 which is attached. I made several flow up calls and as of today, I have yet to receive a call. I was given a case number, XXXX. Because I was happy with XXXX I got a new XXXX card.
With that background, here is where my major problems begin. On XXXX XX/XX/2021, I stayed at the XXXX XXXX in NJ. They charged my old credit card {$150.00} in case there was any damage to the room. A copy of the charge from XXXX showing the charge is attached. On XXXX XX/XX/2021, the hotel credited the {$150.00} back to my old XXXX card ending in XXXX. On XXXX XXXX, I received a letter from Barclays stating that I owed {$330.00} On XXXX XXXX I sent a check for the full amount and asked that they send me statement showing who I owed this money to, see attachment. When I got the statement, It did not show the {$150.00} that was credited back to my old XXXX card. In addition, it showed a late fee of {$29.00}. I called Barclays and they told me that they do not show any {$150.00} credit and to call XXXX. I called XXXX on two different occasions and both times I was told that they could not help me me that I had to resolve it with Barclays. I made numerous calls to Barclays to resolve this problem as well as the late charge of {$29.00}. My complaint was elevated to a second level to resolve. I pointed out my letter that I sent on XXXX XX/XX/2021, that I could not possibly be late when I sent a check the following day that I received the notice. I was told that the {$29.00} was credited back, which it was not. My complaint was alleviated to a third level on XXXX XX/XX/2121. I was told that the {$29.00} would be credited back and the $ {$150.00} credit would show up on XXXXXXXX XXXX statement. On XXXX XXXX, I made a follow up call and was told they were not showing and {$150.00} credit and I was given an address to file a complaint to the XXXX XXXX, which I did on XXXX XX/XX/2021, copy attached. Yesterday, I made a follow up call to Barclays and I received a recording blocking my calls stating that I no longer have an account and my balance owed was zero. So now no one will talk to me and all three are pointing there fingers at each other. Some one has my {$150.00} and it is not me. Please help ... XXXX XXXX XXXX
|
| 09/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
On XX/XX/XXXX I was about to purchase a ticket through XXXX XXXX when I received an offer that the ticket would be lower if I applied for the XXXX XXXX credit card offered through Barclays. If I was approved the first year annual fee of {$99.00} would be waived, I would receive the lower flight fare, and if I charged a certain amount within 3 months, I would accrue a points for future travel with XXXX XXXX. Despite my stellar credit score greater than 800 for over ten years and rare inquiries, I was denied and paid the full fare for my ticket.
XX/XX/XXXX, I received an email that my application had been approved.
XX/XX/XXXX, I found that statements to my permanent address for the {$99.00} annual fee and that it was past due. I contacted the customer service number where the representative stated she would 'waive the annual fee this year ' even though that was the terms that I had applied for : waived first year annual fee.
Early XXXX, I noticed that my XXXX score on the Barclays website had dropped but did not know why.
XX/XX/XXXX, I accessed my credit bureau reports and saw the late payment which caused my XXXX score to drop 100 points was because of Barclays. Not only had they sent a statement for the {$99.00} which was supposed to be waived the first year under the terms of their marketing ploy for a discounted airfare ticket, but they also reported me as being late for a fee I should not have been charged with in the first place.
XX/XX/XXXX I sent a message to my Barclays website account and requested that the information be removed from the credit agencies as it was false.
XX/XX/XXXX, I received a set of instructions that I needed to contact Barclays FCRA mail address with my dispute. I was also told I needed to provide additional information ( such as phone number which I declined as I wanted exchanges in writing and to protect my privacy and selling of my information ).
XX/XX/XXXX dated letter from Barclays ( envelope not dated ) that they have reviewed my dispute and and 'agree to change the information that has been reported '.
Although my case was corrected, I am reporting Barclays as they 1. falsely advertised ; 2. incorrectly reported me to the credit bureaus ruining years of hard-earned credit-worthiness ; 3. imposed on my time to track their errors and correct them.
I am also writing to alert the CFPB of Barclays practice to protect others that may not have the language, knowledge, or resources to follow all the criteria Barclays requires to correct their errors which would be damaging to other consumers and create increased and false fees and higher interest rates for other consumers.
Last, I want to alert CFPB to Barclays marketing ( fishing? ) schemes to defraud consumers by baiting them with fares ( or other incentives ) which they have no intent to follow through on but use as a means of gaining credit card users to obtain their cards.
|
| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation.
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ).
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company.
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.
15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.
313.1 Purpose and scope.
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.
433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
XXXX XXXX
|
| 07/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Hello, In XXXX, I opened a Barclayscard through the XXXX store to make payments on an XXXX. I paid off the XXXX, brought my balance to {$0.00} and put the card in storage to avoid a credit bump.
In XXXX of XXXX, I received an email stating that I had an outstanding balance on my dormant card. I checked my account online and noticed two charges from XX/XX/XXXX totaling {$250.00} ( One charge for {$250.00}, one for {$6.00} ). I immediately went online to submit a claim and waited to hear back. I did some research, and the charges appear to have originated in Texas. I live in Minnesota and have never been to Texas.
After two months of late fees and no response, I called to check on the status of the fraud. I was on hold for two hours before the call was dropped. I sat on hold for hours countless times over the course of two weeks until I finally got through. I was informed that my fraud claim had never been received. I submitted another claim over the phone.
By mid XXXX, I still hadn't heard back. I waited on hold once again before being transferred to the " investigations '' department. I did not get through on that call.
I called the investigations department directly the next day ( the original customer service representative had given me the number ) and got through after an hour on hold. The rep informed me that the fraud claim on the {$6.00} charge had been approved, but there was no open claim on the larger of the two charges. They opened a claim for me and let me know they would call me within two weeks.
6 weeks later, I called again as I had not heard back & the charge was still posted on my account. An hour of holding later, I was informed that the claim had been denied. I was transferred to the " fraud '' department to get an explanation, where I waited on hold for two hours before the call was dropped.
I called again today and waited on hold for 40 minutes. I was able to get through and the fraud claim was approved after I asked for an explanation. I was informed that the initial claim was listed as a " dispute '' rather than fraud, which is why the claim was denied.
In total, I was on hold with Barclays for ~20 hours between XXXX and XXXX. Without persistence, I would have been on the hook for almost {$300.00} in fraudulent charges. I was never informed by phone, email, or on my account page of the updates in my case. The only method of communication was by mail, and I never received half of the letters they claimed to send.
I am submitting this complaint in regards to the emotional turmoil caused by the months of poor communication and incompetence relating to my claims. I was under the impression that credit card companies flagged potentially fraudulent charges due to geographical inconsistencies, but I was wrong. Barclays lacks the ability to serve their customer base, and I never intend to do business with them again.
Thank you, XXXX
|
| 11/26/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I received a promotional offer encouraging me to shift spending to my XXXX XXXX XXXX from Barclay 's. Terms of the offer were : ================================================================== Use your XXXX XXXX XXXX to earn an additional XXXX XXXX in XXXX XXXX for every {$1.00} spent on grocery store, drug store and restaurant purchases, up to {$100.00} in XXXX Cash each month from XX/XX/2021 to XX/XX/2021.
This offer is valid for select cardmembers and is not transferable. If your account is closed or you switch to another product during the promotional period, you may no longer be eligible for this promotion. If you receive this offer and enroll by XX/XX/2021, you will earn an additional XXXX XXXX in XXXX XXXX for every {$1.00} spent on grocery store, drug store and restaurant purchases, less credits, returns and adjustments ( " Net Purchases '' ) with transaction dates between XX/XX/2021 and XX/XX/2021 up to {$100.00} in XXXX XXXX each month of the promotion. Purchases in the specified reward categories must be submitted by merchants using the corresponding XXXX XXXX XXXX ( " MCCs '' ) in order to earn additional XXXX XXXX. MCCs are categories used by merchants based on the goods and services they sell. Barclays uses the MCCs when creating the reward categories, however, we have no control over how merchants choose to be categorized, and as a result, some purchases may not fall into the expected category and will not qualify to earn additional XXXX XXXX. Additional XXXX XXXX may not be earned if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet to pay for the purchase. Additionally, purchases made through third parties, including online marketplaces and resellers, or using a third-party payment account, will not earn additional XXXX XXXX. Failure to maintain your creditworthiness during the offer period may result in actions on your account, such as a credit line decrease, that would reduce your ability to take advantage of this offer. To receive the additional XXXX XXXX in XXXX XXXX, your account must be open and in good standing at the time of fulfillment. All additional XXXX XXXX earned will appear on your statement XXXX weeks after the end of the promotion.
================================================================== I received an email from Barclay 's confirming my enrollment in this promotional offer on XX/XX/2021 ( though I believe that I enrolled on XX/XX/2021 ).
To take advantage of this offer, I shifted my spending habits from other rewards credit card to my Uber Credit Card. I believe that I spent at or above the maximum eligible purchase amount.
I have not received any credit for XXXX XXXX on my credit card, as promised by the promotional offer.
I have opened XXXX customer service complaints directly with Barclay 's, both of which have been closed without resolution.
|
| 06/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I made a full monthly credit card payment of {$56.00} to Barclays bank. Due to an error, the payment was returned by the bank.
I was notified by Barclays on XX/XX/XXXX that the payment had been returned. Immediately upon being made aware of the issue I made the full payment.
On XX/XX/XXXX, I became aware that Barclays had assessed me a {$39.00} returned payment fee and a {$19.00} late fee due to the payment issue. I felt this was unnecessary and excessive given that I corrected the payment issue immediately upon being informed and given that the total fees were {$58.00} on a payment amount of {$56.00} ( over 100 %! ). I called Barclays to request forgiveness and leniency and was informed that they could not waive the fees over the phone but that I could write a letter to their corporate office.
I wrote the letter explaining the issue and requesting the fee waiver.
On XX/XX/XXXX, Barclays assessed me an additional {$19.00} late fee.
On XXXX, I received a response from Barclays confirming receipt of my request for the fee waivers, but that they couldn't complete the request because the request must come from the primary cardholder ( I am the primary, and only, cardholder ). The letter indicated I could call again to have them complete the request.
On XXXX, I called Barclays to let them know that I was the primary cardholder and to please complete the request. The agent told me that she could waive the late fees but not the returned payment fee. I agreed this would be satisfactory for me, but then she returned and indicated that she could not waive any of the fees. I requested to speak with a supervisor, but after over an hour on the phone, I was told that none were available and that they would call me back regarding Complaint ID XXXX.
After this conversation, on XXXX, I immediately paid the full balance to avoid the assessment of any additional fees.
On XXXX, I received a call back from an agent who offered to waive one of the {$19.00} late fees. I indicated that I was appreciative of the offer, but I felt it was still insufficient and I requested again to speak with a supervisor. After waiting for a long time ( again, on the phone for over an hour ), I was told that a supervisor would call me back within 30 to 45 minutes. I never received a call back.
On XX/XX/XXXX, I again called to indicate that I had not received a call back. The agent apologized for the lack of a call back. After explaining the issue, the agent indicated that they could not waive any of the fees. I again requested to speak with a supervisor and was told that none were available, but that I could get a call back within 5 to 8 business days regarding complaint XXXX.
This process has been extremely frustrating and unfair. If Barclays would waive half of the {$80.00} in fees they have charged me, I would still feel it was excessive but I would be satisfied.
|
| 06/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
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These are instances regarding BARCLAYS Advantage aviator red MasterCard. I have had difficulty with them regarding their charging of interest and penalties which were not valid. Back quite a few months ago, I got an interest charge and penalty charge on my wifes credit card and when checking the statement, I found that the statement had been paid on time. I contacted Barclays and was told that they will often put a charge on the credit card and then, when the payment is received, they will then reverse the charge. I thought at the time that that was bazaar and made no sense. People could mistakenly pay the charge. I called and talked to a supervisor regarding this and she apologized and didn't know why that happened. Then again, several months ago, there was an item that I was to get a credit for. I was told to deduct the charge from my bill since I was not responsible for the charge. I did that but again received interest and penalty charges. I called and they said they would remove the charges. So I deducted the interest and penalty charges from my bill and then, on my next statement I again got interest charges and was told it was because I didn't pay the past interest and penalties. I asked to talk to a supervisor. I then talked to XXXX operator ID XXXX. He told me that my problem was not paying the bill and charges in full and as long as I didn't pay the bill in full even if the charges were not mine, I would continue to receive interest. I told him that I didn't think they should be charging people interest for charges they should need to pay because they werent valid charges. I told him that I was told to deduct these charges. He said that what I was told was not true. He was also rude and said that nobody would've told me that. He said that even though the charges were not valid that I had to pay them and wait till I got a credit for them on the next statement. I told him that was not what I was told. He said he didn't believe that somebody would tell me that. I told him that any credit card that I've ever had and had charges on it that weren't valid and that would be credited that I was told that I was to deduct them from my statement. He said that's not true and credit card companies don't do that. I believe he is wrong. I pointed out to him that if, for example, I as a consumer have something like a {$50.00} charge on my account which was not a valid charge that I had no reason to pay it. But if I was forced to pay it and if they have, for example, XXXX XXXX customers in my situation that they are talking about {$50.00} XXXX that Barclays has on float and they could use the money belonging to their customers. I don't know how that could be legal. I don't know how Barclays can use my money to do whatever they want to do with. Why should I be paying them money for not valid charges and they were able to use my money as a float for another month?
|
| 08/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I've never filed a complaint here before, but this issue really needs to be corrected before other consumers fall victim.
On XX/XX/XXXX, I chatted with jet blue via their online site and spoke to Barclay 's Bank on the phone. I had an upcoming trip from XX/XX/XXXX through XXXX that I had already paid for and at this point i wanted to know if there was a way I could get my bags checked for free somehow. I hadn't paid for the checked bags yet, only the tickets. I was led to believe through the chat and reassured on the phone that applying for a jetblue credit card, if I was approved, would allow me to be reimbursed for the checked bags fees for me and my two traveling companions.
After the chat agent suggested I apply for the credit card, I immediately applied for the card ( Barclay/jetblue with about {$100.00} annual fee ) and got approved. I then went back into to find out exactly how to proceed with advanced payment for the bags ( {$180.00} total ) the agents in the chat then gave me conflicting information and suggested that since I wouldn't receive my jetblue card before my flight, I was now ineligible for the free checked bags. This information also conflicted with the info I got on two separate calls with Barclay 's ( using phone number provided by the jeblue agent ). Before I purchased the baggage fees, I hsd called Barclay 's and the agent told me it was OK for me to purchase baggage fees before my flight with another credit card ( since I had not received my jet blue credit card in the mail yet ) and that I would be reimbursed afterward to compensate for the {$180.00} bag expense.
When I got home from the trip and having now received my card, I called Barclay 's to get the reimbursement ( today XXXX ). The Barclay 's representative assured me that i would be reimbursed for the fees ( which backed up what the previous Barclay 's agent told me before I first purchased the bag fees prior to the trip ) She then transferred me to a jet blue agent who now says they can't refund bag fees paid for with a non jet blue credit card. I am now on hold waiting for a supervisor ( they estimated 40 minutes wait time ) Here is some verbiage from the chat as we were talking about the free checked bag feature, before I applied for the jetblue card : Me : if I get a blueplus credit card, do I get free checked bags? ...
me : so even though I didn't pay for the flight through this card I can still do it? If I get approved?
Live agent : yes that's right But the most infuriating aspect of this is the blatant conflicting information between Barclay 's jetblue credit card and some of the jetblue agents. Two Barclay 's credit card agents told me I'd be reimbursed ( 1 today, XXXX and 1 on XX/XX/XXXX ) I have no doubt that if other consumers haven't already been cheated out of bag fees reimbursement the same way I did, many will soon if this issue is not corrected
|
| 07/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
We use XXXX, a third-party servicers that interfaces with our XXXX XXXX XXXX XXXX XXXX XXXX to help save for our daughter 's college. On the XXXX website, Barclays routinely markets a cash back reward XXXX which earns 1.529 % into the XXXX account " if your XXXX XXXX account is linked to an eligible College Savings Plan ''.
In XXXX 2023 we applied and were approved for the Barclays XXXX and promptly began to use the card for the cash back rewards into the college savings program. We ONLY signed up for the card to earn the advertised cash back of 1.59 %.
In XXXX we noticed that the cash back earning rate reflected on my app was showing 1.25 %, so we send a secure message through the app and we prompted to speak with a customer service XXXX We called and spoke with someone and at first they said that I was earning the correct amount and the app was probably reflecting wrong and I insisted that I wanted it to be accurately reported on the app and then they said I wasn't getting the correct cash back rate because I didn't have a linked College Savings Plan on XXXX and I insisted that I did and they told me I needed to contact XXXX because they manage the linkage. I proceeded to contact XXXX and verified that the eligible XXXX XXXX XXXX was linked and the I should be earning 1.529 %.
I filed an official complaint with Barclays ( ticket # XXXX ) on XX/XX/2023. I let a couple months go by and the cash back rate hadn't changed on Barclays app and I didn't see any funds retroactively post. In XXXX asked for an update to my complaint because I had gotten a feedback email that made it seem like my issue was close/resolved and they created another ticket ( # XXXX ). I have subsequently received customer service feedback request and emails asking me to link my college savings plan to get the higher rate 1.529 % ; however, when I log on to check the linkage it's still shows that the eligible XXXX plan is linked.
I have followed up with Barclays XXXX XXXX and to date I haven't gotten any retroactive funds posted, my app hasn't changed to reflect the correct earning rate, and I haven't gotten any update from Barclays on what is going on with this issue. I am concerned that I'm not the only XXXX in this situation and their XXXX be some systemic programing issue between XXXX and Barclays. Barclays should conduct and audit to identify those impacted and ensure that everyone gets their retroactive funds back. I personally would like for them to credit me all my earned rewards immediately dating back to XXXX XXXX The opportunity value of these have been lost ; these funds could be working hard in the stock market ( XXXX Plan ), not sitting on Barclays XXXX not benefiting me. I want all my earned funds back and my account recoded to earn the correct amount going forward. I have had my XXXX Plan linked to XXXX for many years, so this issue makes no sense to me.
|
| 12/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
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|
Hi my complain is with Barclay credit card. i have filed a dispute with them because i ordered a watch with XXXX and they said they have delivered my item at first i said thats not possible i was in the hospital i had a XXXX XXXX at the time this happened. i PROVIDED THEM ALL MEDICAL RECORDS and i have explained to my credit card company i have never received the item nor did i sign for it or anthing like that. i filled this dispute XX/XX/XXXXXXXX and i keep getting my credit when i explained to them supplied them evidence this was not me. i have also showed them a proof that the XXXX provided me a wrong XXXX number originally and i never knew the item went out even. first they said it was delivered to me and when i called and asked to send me proof they told me the item was picked up from XXXX facility and i have never gone to XXXX facility i told them multiple times the company dont seemed to care about the little people like me, i have called multiple times i kept being thrown from one rep to another and the case manager called today and said they will not give my money back because the merchant filled with proof its me, when i tried to again explain it to the case manager i have never got an item i have never signed for it i send them an affidavit saying its not me. they still dont seem to care i have also showed them copies of the XXXX website that it shows wrong tracking number they just dont seem to care at all. I dont know what to do at this point when this huge balance is on me and my credit score sinked over XXXX points minimum. Please open this dispute back up again and please check with them i want my money back this is not fair to a customer when again i have never received any items from them originally and had every proof and send them everything on time as they asked. Please re open this case and please ask them to put my money back after their investigation they have send me a copy of the signed item i have also send them my signature the signatures do NOT also match. Below i have attached i was admitted to the hospital XX/XX/XXXXXXXX and XX/XX/XXXXXXXX they have scanned me to find the proof and after that i had my myomectomy after getting approval from the insurance. I also attached the proof that i spoke to XXXX they were supposed to put my money back because i didnt want the item to be shipped and shows on their main website this is the XXXX number i was provided and i keep checking until this day this is the tracking on file that shows there is no tracking found. This should be plenty of info that i did not sign or pick up any items. I think they have made a mistake. also all the conversation with XXXX i kept telling them to put my money back. Please take a look at below documentation i have also provided the credit card company because its coming up 6 months they are just not caring and they want to close this case.
|
| 06/05/2015 |
Yes |
|
|
|
Web |
Older American |
|
On our Barclaycard we had a balance of XXXX. We sent payment on XXXX XXXX Payment over balance in amount of XXXX with a due date of XXXX XXXX XXXX fully XXXX days or XXXX days to arrive in City XXXX XXXX. We called two days after XXXX XXXX ..XXXX XXXX. And balance indicated IT NOT only had not been recieved ( or so they would claim ) but there was additional balance indicating a late fee. IT however had to be in their possesion for it was cashed check XXXX on XXXX XXXX. We sent a XXXX payment of only the previous balance since i called and they said they would waive the late fee. This XXXX payment I sent check XXXX by certified mail and was recieved XXXX days later..the certification came back dated XXXX XXXX. I called that day to see if the XXXX check had been cashed and MY account showed a balance of negative XXXX that is a credit balance. I have another credit card with Barclaycard. and asked if this XXXX could be transferred against debt on this other card. They said NO. They agreed to send a check to us at our physical address of XXXX XXXX XXXX XXXX Michigan My name is XXXX XXXX XXXX. They did not they faxed it to our XXXX. Which was not agreed upon and charged us so fee..XXXX of which I recieved a letter date XXXX XXXX.in so doing. AND did not send us this months billing. but XXXX letters. DUE THIS month XXXX XXXX. and today is XXXX XXXX. So I called them today. NO explanation of how they arrived at XXXX. My intention had been to pay the balance and cancel the card..and they keep moving the DUE date and the payment address to XXXX. when it was in XXXX. and have trumped up some bogus charges made by someone XXXX like it was someone who got ahold of my account number evidently to make us feel like they were doing their job..or perhaps to sell us some other service. My neighbor has a Barclaycard..and a few other people I know and they have had similar problems with them So they need to be investigated. I called today ..no XXXX gave explanation of how they arrived at XXXX for some trumped up fee. WHEN the account was paid off. But they finally after calling DROPPED the XXXX and some guy named XXXX in XXXX said it was dropped but could not understand him. Something about XXXX fee. for reversing the check..I had tried to stop payment on the XXXX check..but it had already arrived and they cashed it giving a credit balance of XXXX aforementioned. So it was NOT like they were charging me for stopping payment on a balance owed them. in the XXXX place. IT was never stopped since they cashed it before STOP payment arrived evidently. Just all round bad business practice NEVER had a Credit card ever do this to someone WHO pays their bills. And NONE of them have ever charged to return MONEY overpaid to them. In fact XXXX credit card company without me calling XXXX returned the money because they simply wanted an even balance at XXXX. There is the story.
|
| 11/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
In XX/XX/XXXX, I went to the XXXX XXXX store located at XXXX XXXX XXXX, XXXX, WA XXXX. During the visit, I was offered by a sales rep to open a store charge card in consideration for a discount on my purchase. I agreed, provided my driver 's license ( which has my name, XXXX XXXX on it ), and my social security number. I purchased some clothing on my card and left the store.
I didn't think much of it after leaving the store, but several weeks later, realized I had never received my new store card. I called the store itself and reported the issue to a manager. I never received a card in the mail.
About two months later, I received a statement from an entity, Barclay Bank, that showed over {$500.00} in transactions including restaurants and other businesses. It was clear that these transactions were somehow related to the account that I had opened at the XXXX XXXX, first of all, which I thought was just a store charge card, not a XXXX.
Oddly, the name on the account was listed as XXXX XXXX ( a name I formerly used several years ago, but I legally changed my name to XXXX XXXX in XXXX, and had not used that name since. ).
The day I received the fraudulent bill, I called the telephone number listed on the statement and reported the fraud, asking that the card be closed and that all of the transactions listed be reported as fraud. I was transferred to 6 different reps during this process and was on the phone for over an hour. I hung up from that call with the understanding that the fraud report was complete.
About 30 days later, I received a second statement in the mail. This time, I called again to re-report the fraud, and also sent a letter to report the fraud in writing.
Old XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX After this happened, instead of the account being closed, I then received a physical credit card in the mail. Then, I received a late notice and I began receiving emails and phone calls about my account being late.
I have Barclay 's upwards of 20 times by now, each time continually reporting the transactions as fraudulent and requesting numerous times that the account be closed and the charges reversed. It has been nearly 9 months now since my complaint of fraudulent charges and account information was submitted. I have received numerous letters and phone calls from Barclays, and the account is now significantly affecting my credit score. The account has also accrued about {$200.00} of additional late fees, so now the bill is over {$700.00}.
Each time I call Barclays, I am passed around to multiple people and multiple departments, each department acting like they don't know about my previous reports. This feels like a racket, that they are doing this on purpose to get consumers to give up on this process and just pay the bill, due to the significant time investment and dozens of actions needed.
|
| 10/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
My husband and I ( both Barclay card holders ) re-financed our home in late XXXX through XXXX XXXX ( XXXX. ) In the refinance, we used equity to pay off or down XXXX loans/credit cards. We were furnished checks from our lender to mail into our credit card/loan companies. All were carefully mailed in to each of our creditors with checks made out to the specific companies ; we made sure to include most recent statements and account numbers etc. One of the largest checks, {$17000.00}, was made out to Barclays Credit for my credit card. Another was my husband 's Barclay card for {$6200.00}. All 7 of the checks were made at a United State Post Office, snail mail, on XX/XX/XXXX. All of the other payments were promptly received ( including my husband 's Barclay card payment ) within a week or two. I started getting threatening letters from Barclay saying I had not paid within 8 or 9 days after XX/XX/XXXX. I called Barclays and was treated rudely, and told I had to wait 15 days by company policy for them to reflect payments. I refused to pay more feeling that {$17000.00} was plenty on my payment for XXXX which was due XX/XX/XXXX. ( Of course by that time they were piling on late-fees etc. of {$300.00} or {$400.00} more ). Fearing that the {$17000.00} payment had been lost in the mail, I called our Mortgage company, XXXX XXXX, and received, in writing, that the Barcly Bank card check of {$17000.00} cleared on XX/XX/XXXX. During this time my husband and I both called Barclay and were rudely hung up upon when we asked to speak to a manager - twice in one night. I was so upset, my husband made the contact for me and he was hung up upon also. A week ago the same person ( XXXX? ) who hung up on us called me and admitted Barclays system had had a problem or glitch on XX/XX/XXXX or XXXX, but they should be back with us in a week. That was a week ago. Today my husband received a letter saying his credit had been limit dropped from {$7000.00} to like {$2000.00}. ( Keep in mind, his income has not changed in some 10 years ) I received a threatening letter stating I had not yet made my XXXX payment and would be sent to a credit agency. My husband and I are seniors ( husband XXXX and I nearly XXXX ) and this has been terribly stressful. I do not care to contact Barclays further given the rude treatment we've received ( although " XXXX '' last week did kindly notice that I had never once been late on a credit card payment until this XXXX " lateness. '' Last Wednesday she said I now had a case id of XXXX, and that I would hear something in one week.
Tomorrow, XX/XX/XXXX, will mark exactly one month since my payment to Barclay 's was mailed in. Meanwhile in continue to get threatening letters from Barclay saying I have not made my XXXX payment, and my credit score is being damaged by their failure to put this payment on the books. I do not know where else to turn.
|
| 07/31/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
Applied through specific link for specific Bonus offer.
Received a letter in the mail that they could approve me so as long as I call their phone number and reconfirm some personal information the app. I was told I would be approved shortly.
I made sure with the rep on the phone that I will receive the precise offer I had applied for through the specific link I originally applied through.
The rep confirmed that if approved, I would get whatever offer I had originally applied through online.
I received a credit card in the mail 10 days later. There was no information about my bonus offer I specifically applied for.
I called the bank and asked them to confirm my offer.
I was completely shocked as the rep read a completely different offer.
I explained what I had applied for. The rep promised to " fix '' the offer to the one I had applied for. Even for extra convenience I emailed the rep an actual screenshot of my exact offer and the website address link I applied through that goes right to it.
I never got a phone call back from the rep even though they promised to call me back as soon as the offer was corrected.
Instead, I called in and got a different manager and had to try and re-explain everything only to feel that this manager didn't seem to empathize nor care about my situation.
They just said they would send a message to the back office and " ask '' about it.
She then then called me back a few days later and happily told me that the got a response and that the offer is not being changed.???? I told her that this is totally unacceptable and makes NO SENSE. It was never a debate or plea. I provided exacting proof of what I applied for and told them they can also track their phone calls as I promised I would still get what I initially applied for even though I did have to call in to reconfirm info on my app. They also can use their IT department to see the precise link I had used to apply. ( If they didn't believe me ) She then tried to claim there is nothing she can do. I demanded a call back from the highest level executive, because I did not feel comfortable with this rep and also knowing that if my situation had been precisely communicated to the right person, they could easily find where they had mistakenly given me a different offer.
The OFFER I applied for and rightfully deserve as promised is : " EARN XXXX bonus miles after spending {$2000.00} on purchases in the first 90 days, AND earn XXXX bonus miles after a purchase is made on an employee card '' NOTE : I have already MET and SURPASSED this within weeks of using my credit card.
ALL I ask is that I be promptly credited with the XXXX XXXX ( XXXX AA Miles ) Please help. This is so wrong and unjust. It is more insulting when " managers '' who told me they totally understood and that the back office will fix the error, to then get the call I recently got rejecting me.
|
| 12/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I am writing in merit to an issue I have been experiencing with Barclays Bank who erroneously closed my dispute XXXX XXXX with merchant XXXX in the amount of {$2800.00}. The issues began when speaking to a disputes agent to discuss the matter. I explained that the lost package had been located and the merchandise was returned to the merchant via the provided return label and we were awaiting a refund. I had never claimed that the matter was resolved. I gave the agent the return tracking number and assumed that the investigation would proceed. A few days later I received a letter stating that the dispute was closed claiming that I stated the charge was valid. The charge was valid in that it was not fraud, not the the matter was resolved. After speaking with the disputes department I discovered that the agent closed the dispute instead of waiting for the resolution from Barclay 's investigation XXXX from the merchant issuing a refund. The dispute was originally opened as a package from the merchant was not received. I confirmed that the lost package was finally located by XXXX. Once we received the missing package, we contacted the merchant ( XXXX ) and a XXXX return label was sent to us and we returned the package back to the merchant. When the agent ( Barclays ) called to discuss the dispute she misunderstood as I stated we still had not been refunded by the merchant and she just closed the dispute. Since this occurred it has been weeks of trying to reopen this dispute with Barclays who has not been accommodating. I have provided the merchant and Barclay 's a copy of the police report which states that the package was lost in addition to live chat conversations with the merchant ( XXXX ) where agents confirmed that the package was finally returned and delivered back to their warehouse but since I opened a dispute ( which was suggested by the merchant when the package was lost ) the merchant is unwilling to issue a refund although I do not have the merchandise nor have I been refunded for the order. This is stated in XXXX live chat sessions for which I am providing you copies of the transcript for XXXX dated XX/XX/2022 and XXXX dated XX/XX/2022.
I am also providing a proof of delivery from XXXX ( merchants provided prepaid return label ) with tracking number XXXX which confirms delivery on XX/XX/2022 to the merchants warehouse in XXXX XXXX XXXX at XXXX and signed for by XXXX XXXX
Neither the merchant nor Barclays have been helpful in resolving this issue from the moment the package was lost to its recovery by XXXX and returned to the merchant. I am expecting a full refund as the merchandise is no longer in my possession and the return receipt has been confirmed by XXXX.
If Barclays is unwilling to assist in my dispute I am exercising my rights under the XXXX Credit Billing Act that this dispute be sent to chargeback arbitration.
|
| 11/05/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2023, I placed an order online with a merchant for {$160.00}. Soon after, I received an email stating that my order was unpaid. I clicked the link on the email to complete my order. I then received an email stating that my order was paid. The following day, I noticed I was charged twice for the same exact order. I tried contacting the company via phone, but they would not return my calls. When I contacted the company via email, they said that two of the same orders were placed. I asked that one of the orders be canceled because I did not need two of the exact same orders. They stated that unfortunately they could not cancel the order at this time. They instructed me to go to my local post office to cancel the package. When I went to the post office, they stated that this [ canceling the package ] is some thing that they could not do, but that the merchant should cancel the package. I contacted the company again via their app to let them know and asked for a refund. I explained that when I received the package, I would return it. The merchant said that I had to pay {$30.00} to return the {$160.00} of items. I explained that this was not my fault, but on fault of the company. I tried again to schedule a " hotline appointment, '' but they never called. They were adamant that I would have to pay {$30.00} to return the second package.
I contacted Barclays to dispute the charge on XX/XX/XXXX. I did not hear back from Barclays until XX/XX/XXXX when I received a letter in the mail stating that after review they were siding with the merchant. During this time, I was not notified about any information that Barclays may need however, I did try to contact Barclays via phone throughout the process. At no point was I able to speak to someone directly about my open dispute. After the decision of siding with the merchant was made, I sent Barclays back several pieces of evidence that shows the merchant was unwilling to except the return and that they fraudulently charged me for two of the exact same orders. Barclays dispute center only receives information/evidence via mail, which makes it very difficult to immediately hear back from Barclays. On XX/XX/2023, I received another letter from Barclays stating that they again have closed the dispute in favor of the merchant and advised me to contact the merchant directly. I contacted the merchant several times in XXXX and they were unwilling to accept the return. Now it is more than XXXX days since my initial dispute was opened and the merchant has a 30 day return policy. At this point, I am unable to even take a {$30.00} loss.
Both my husband and I have Barclays Frontier credit cards. We always pay our bills on time and have a revolving credit of several XXXX dollars. I would highly dissuade anyone from opening a frontier credit card as they are unwilling to protect their customers.
|
| 05/11/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
Hi, I'm filing this complaint against - BARCLAYS 's Credit Card with XXXX Rewards.
I'm using this card for a long time ( >6 Years ) and I always have used this card for my purchases at XXXX because of the benefits they provide on purchases made at XXXX.
Visit this for more info- https : //www.barclaycardus.com/apply/financingeducation/ The above link has all the information that you need to know before using this card. Apart from that I never had any other information until today. Basically, there are two benefits - 1. You earn XXXX points when you make a purchase 2. Your purchases go into special financing options so you can pay that within that time frame to avoid interest charges.
Now, just today I got to know from the Barclays customer service ( Supervisor ) that for 2nd benefit, you need to call them to find if that special financing option is available or not before making any purchase. I called them because I was getting interest charges from the last couple of months on one of my XXXX purchases and I was not sure why it was happening even when I am making payments ( more than minimum payment ).
When I called them they told me the time I made the purchase the promotion was not going on and you should have called us to determine this ... The complaint that I need to file is - They did not specify this requirement to the customers? How would customers like me get this information? Nothing is mentioned about this on https : //www.barclaycardus.com/apply/financingeducation/. When they sold the card they mentioned the 2 benefits and that's why I was using the card for a long time and now suddenly after so many years they stopped automatically special financing promotion and started a new requirement of customers call them and ask for this?
There was no communication on this change to old customers as well? During the COVID - their phone lines were not working. They were playing automated messages on their customer lines to send a message instead of a call. I sent them 2 emails, followed up with them for 2 months but nothing happened. Today after I see another interest charge I tried to call them and luckily got connected. But during the call, they told me I did not call to confirm the promotion? How would I know that I need to call?
And how would I call when your phone lines were down during the COVID?
I'm not sure what would happen with this complaint. Whether any actions will be taken on them or not but as a customer they have given me a lot of mental stress. They were not supportive and they were talking like it's my mistake that I did not call and I confirmed about the promotional benefit.
Being an old customer, today I'm very upset with their service and behavior and paid out all balances and now closing my accounts with them.
I would like to know what actions can be taken on misinformation?
Thanks
|
| 07/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
On XX/XX/XXXX I contacted Barclays Visa regarding transactions on my credit card statement. Barclay offered transfer balances/promotional checks interest free through specified dates. I availed myself of those " convenience checks '' and used them since there the interest rate is 0 % through specified dates. Upon reviewing the schedule of convenience checks which were used, I learned from the credit card company of how they post the payments which are made to the account.
The complaint that I am filing due to the fact that the methodology used to apply the consumer payments is an abusive practice which puts the consumer at a significant disadvantage and allows the credit card company to manipulate the payments made on the account in a manner which unfairly penalizes the consumer.
Here is what they do : There is a balance carried on Standard Purchases : in my case it was {$1000.00} ( 29 % APR ) There are also numerous Balance Transfer/Check Promotions which were taken out by me on numerous occasions with different ending promotional dates upon which any remaining balance will then be charged at the specified interest rate of 29 %.
I make payments greater than the minimum amount. I was expecting that the entire payment amount would be applied to the balance with the highest interest rate. I wanted to payoff the balance since there is an APR of 29 % whereby the other balance transfers have a 0 % APR until a date out in the future. Barclays stated that anything above the minimum amount is applied to the other balance transfer/check promotions in any manner which they desire to apply them. I requested that they apply the entire payment that I made to the amount with the highest interest rate but they stated that they will not do it. The company then proceeded to apply the remaining payment to a check balance /transfer which was just taken out. When I asked why didn't they apply the amount to the oldest transfer balance ( since this amount will start to accrue interest on XX/XX/XXXX ) they indicated that they can apply it to any amount they want.. In my case they applied the remaining payment to the balance transfer/promotional check with the lasted date ( XX/XX/XXXX ) where the balance will start to accrue on XX/XX/XXXX.
The remedy which I am looking from Barclay is for them to apply the payment made on the account in a manner which is proper and fair. Payment which be applied in their entirety to the balances with the highest interest rates thereby allowing a fair and equitable reduction on balances with the highest rates. Furthermore, if appropriate then a payment should be allocated to the balances with the earliest coming promotional dates. Barclay should not be allowed to take advantage of consumers. Furthermore, clear and plain disclosure of this practice and not made.
Documentation can be submitted upon request.
|
| 10/07/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Description of the charge sent to the credit card bank : I book a guide tour on XX/XX/2020 for my trip that will be on XX/XX/2020. Why I book a guide tour 6 months before my trip? Because XXXX XXXX offered me one Early Booking price with free cancelation 100 % refundable if I canceled 30 days before my trip. Thats what the publicity said in XXXX and also when they send to me an Online secure payment link to make a payment It was clear in their link that was 100 % refundable if I cancel 30 days before the scheduled trip. This supposed to be my # 4th trip to XXXX so I would never book something that early in time if I wasnt sure they have a refundable policy free of charge. What I didnt know is that this people were experts in scam thats why when I printed my confirmation papers nowhere was on writing the cancelation policy but in the link for payment it was a big announce that make me comfortable to make a payment with their 100 % cancelation. As you can see in my confirmation papers nowhere appear anything about cancelation policy and now I know why they did not include the policy because now I do not have anything printed and they just changed their link. I think many people like me with the pandemic canceled their trip not because they wanted but because the pandemic and now they just change their policy in their website saying it is not refundable but in XXXX it was. I did not take a picture or something else as a proof because I never thought they will do this scam. I should be granted the refund because my purchase was refundable at that time I booked, otherwise I would never paid for a guide tour 6 months before if I can get a guide tour one or two days in advance or even the same day. they could change their policy now so they can steal from their customers or have made two policies one for new customers and one to show to banks or people who is requesting the refund. I booked with them because I was assured that if anything changes in my plans it would be easy to cancel Thats why I decided to book this guide tour.
As a proof of what I am saying is truth I am sending copy of the emails I exchange with the agency when I contacted them to request the refund. To be easy for you to understand the sequence I Put a number 1 thought 10 so you can see the sequence of our email communication. As you can see on email # 5 on XX/XX/XXXX I am taking about the cancellation policy before I knew it was a cancelation 100 % refundable in my favor when I booked with them on XXXX. When they answer my emails they never told me it was not refundable because they knew it was not true. Evre tour company only gave the non-refundable excuse to the credit card company to have a justification for robbing me but what they said is not true and my bank should try to protect its customers from these unscrupulous XXXX scam companies.
Thank you
|
| 07/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX I purchased two round-trip flights to and from XXXX from XXXX using my Barclays credit card. 1 flight was charged under XXXX XXXX and the other charged under XXXX XXXX.
XXXX cancelled all international flights starting on XX/XX/XXXX ( XXXX XXXX XXXX ). XXXX cancelled my flights as they were both international traveling to and from XXXX via XXXX XXXX, NV where I reside. My departing flight from XXXX XXXX was originally scheduled to be on XX/XX/XXXX and my returning flight to XXXX XXXX from XXXX was originally scheduled to be on XX/XX/XXXX.
When I logged in to view my flight status the day of my departing flight on XX/XX/XXXX, my departing flight number XXXX was shown as missing ( see attached document " XXXXFlightDoesn'tExist '' ). Please see the attached document " XXXX '' that shows my flight numbers. I also attached the document " XXXX '' that says they cancelled international flights starting on XX/XX/XXXX. This was viewed on their website the day of XX/XX/XXXX.
XXXX cancelled my flights. XXXX did not give me a voucher or any form of compensation. Regardless, I did not wish to reschedule or otherwise make new plans for traveling. XXXX 's customer service phone lines were disconnected when I tried to reach them. I sent two emails to XXXX 's customer service requesting a refund for my flights that they cancelled. They never responded.
I then disputed the two charges for my flights with Barclays. While Barclays credited me for 1 of the 2 flights, Barclays sided with XXXX for the second flight and did not give me my money back for the second flight. The disputed charge ( XXXX XXXX ) for {$300.00} was reposted to my account. This is not right because the merchant, XXXX, cancelled the service I paid for and thus I did not receive the service. According to VISA guidelines regarding disputes, " Merchants are ultimately responsible for issuing a refund to the cardholder when the merchant has cancelled the service. " ( XXXX XXXX XXXX ) The U.S. Department of Transportation also states " A passenger is entitled to a refund if the airline cancelled a flight, regardless of the reason, and the passenger chooses not to travel. '' ( XXXX XXXX XXXX ) I want to reiterate that the merchant, XXXX, cancelled my flights. I did not voluntarily cancel my flights. I filed a reassertion for the disputed charge that was not credited back to me in XX/XX/XXXX via email ( see attached " Reassertion on Disputed Charge '' ) and by postal mail. On XX/XX/XXXX, XXXX indicated they are still on the side of XXXX and refused to credit me the {$300.00} charge.
It is unfair that I paid {$300.00} for a flight that was not provided and Barclays seems to think this is appropriate by siding with the merchant despite DOT and VISA guidelines indicating I am entitled to a refund if the merchant cancels and does not provide the service.
|
| 09/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
My problem all the way back to XXXX, when my bank, XXXX XXXX, made a {$10000.00} coding error on the check I had written to XXXX XXXX XXXXXXXX to pay my monthly credit card balance : XXXX XXXXXXXX XXXX received {$10000.00} less than what I had written the check for. For the next three years, I tried to resolve the issue through letters and phone calls, but without success. So I put the issue on the back burner, and just continued my practice of paying my credit card bill in full and on time every month, minus the {$10000.00} that was in dispute.
The credit card was later taken over by Barclays, and a couple of years ago, I made one last attempt to resolve the issue by writing a letter to Barclays explaining the history. I followed up on the letter and spoke with several different people at Barclays. However, I was told that there was nothing they could do, because the dispute arose when the credit card was held by XXXX XXXX XXXX. They suggested I contact XXXX XXXX XXXX, which I did ( by letter and phone calls ). I was told over the phone that the issue was a " dead end, '' because they only keep records for seven years, but the dispute arose in XXXX. There was never any response to my letter to XXXX XXXXXXXX XXXX, so I made the decision to cancel my credit card, which I had first obtained in XXXX. I made my final payment of what I owed to Barclays ( minus the {$10000.00} in dispute ) and included a letter explaining why I canceled the credit card. For about six months after that, Barclays continued to send me statements for the {$10000.00} and interest, but then they stopped -- and they have made no attempt to collect the money from me.
I got a new credit card and went on with my life, assuming that was the end of it. I never thought about the impact this could have on my credit scores, because I have been debt free for more than 25 years, and had no intention of taking out any loans. However, I recently decided to explore getting a HECM, and that is when I discovered that this old, unresolved dispute had seriously damaged my credit scores. The mortgage broker told me that I may have to set up a Life Expectancy Set Aside ( LESA ), even though I have always paid my property taxes and homeowners insurance premiums on time.
It is very unfair that my credit scores have been damaged by a very old dispute that I tried for years to resolve, and that I am now told is impossible to resolve because the banks only keep records for seven years. So I am caught in a financial Catch 22. I am attaching photos of three of the key letters I wrote over the years. Any help you could give me to help me fix my credit scores would be greatly appreciated. Also, it is clear that the formulas for credit scores make no sense, when you have someone like me ( very responsible, no debt, substantial assets ) getting below-average credit scores.
|
| 08/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
The hardships I have faced financially due to covid 19, have only been MULTIPLIED and the emotional mental destruction caused by Barclays continual harassment, caused me to miss a deadline for saving my company from losing its physical commercial space, which has only caused loss of income and near demise of my small company.
Barclays Bank of Delaware is a prime example of large corporations bullying and destroying the one man shops and businesses trying to make a new life and add to their community. I call these bully banks and I find it disgusting how they treated me in my state of emergency.
XX/XX/2020- I need to double check dates/ I am still recovering from a XXXX I had shortly after this incident. And my memories of this event and others are accurate and sharp, but I get my numbers and dates mixed up due to my XXXX XXXX. Triggered in part by Barclays harassment.
I was waiting for a call from uber help line to fix my account while I was trying ti get to a meeting with the landlord of my commercial space, as he was threatening to evict my shop from his building during Covid-19 which was illegal in itself and I answered a unknown number assuming it was Uber- it was a woman from Barclays and harassing me about my account and demanding when my payment would be made. And why I couldnt pay her now. I explained the urgency to get off the line so I can get Downtown to save my company from losing its space. And she wouldnt let me off. She continues to talk and harass me until it triggered my XXXX XXXX and caused me to have a XXXX XXXX and I finally got off the phone after telling her how unfair and disgusting it is that they lied about not paying your bill for 2 months wouldnt be a problem yet they still report your account to credit beureu as delinquent which continues to destroy credit scores. This is exactly part of the reason I can not restore my credit.
But not only that- their harassment that day especially- I did not make it to the Dow town meeting on time.
Why? Because they ensured I would be late by not letting me use my phone to call uber and get out on time. And then as Im about to get a ride.
The XXXX calls me three times, and barges in on my apartment. Bc that Barclays had called XXXX on me and made them come harass me and delay me from saving my company from losing my commercial space. Without any help or anything, I didnt make it to save my space.
I was forced to move out in 36 hours. And since then I have had numerous losses and wasted expenses I can not pay for, I have a destroyed credit score because of them, and I can not get a business loan. I only got one ppp loan and it was not enough to do anything to save my situation. I since then have lost over XXXX in lost income. And the mental emotional damages have nearly cost my life.
Its unfair. Its disgusting. And its really destroyed my life.
|
| 09/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Account sold or transferred to another company
|
|
Web |
|
|
I received a new Barclays XXXX XXXX Credit Card in XX/XX/2022. I immediately activated it using the number in the sticker. When i tried using it, it didn't work. So, i called customer service, the XXXX Barclays representative says, it is activated and i may use it the same day.
On XX/XX/XXXX, i opened a XXXX account ( which is now under Barclays, too! ) I haven't received the XXXX cc that i knew must be paid in XX/XX/XXXX, so i called the customer service listed on the back of XXXX XXXX. It says there my balance which is {$300.00} which i paid using the my XXXX XXXX XXXX to the XXXX credit card # on XX/XX/XXXX. It appeared as paid per Bank XXXX XXXX XXXX XXXX.
When i called XXXX XXXX customer service phone #, it says i still owe {$300.00} + the interest. I spoke with a representative & mentioned that i already paid, it had been deducted to my XXXX XXXX XXXX account. When i mentioned my XXXX XXXX account #, they said it is not in the system and for me to call XXXX. I called XXXX and they said call Barclays. I have been dealing with this since XXXX. I even have to file off from work since customer service always takes XXXX or more hours to speak with. I also have records of me calling customer service rep every now and then.
I have requested for my late fee to be waived and said please send my XXXX card asap so i may pay it ( for the 2nd time ) They said they'll just send me the extra money that i paid and wait for my check. Once i received my XXXX card, i paid using XXXX XXXX XXXX via electronic payment. After a few days, i received a XXXX check, but the whole amount that i paid for XXXX- which means i paid and they sent it all back to me! Which means, i am not paid yet & another late fee again. I called again customer service, they said, just deposit the check to your bank then pay it online using Barclays app, which i did.
I deposited the check, as soon as it cleared, it deducted right away to be paid to XXXX since the check says PAID to XXXX with its account #.
All is all i paid XXXX. 1st via XXXX account # which is floating right now in the air. 2nd, i paid when as soon as i received my XXXX card - but the check was sent back to me. 3rd, when i deposited the XXXX check, it automatically paid XXXX since it's addressed to them for payment. 4th, when i paid using their app.
So, now my problems are : 1. When i paid initially to XXXX XXXX, where does the money from XXXX XXXX XXXX being paid if that XXXX XXXX account doesn't exist?
2. Why is it that no one from Barclays and XXXX know what to do with my account? My XXXX XXXX is rising up due to this and it is not fair that i need to file for days off just to deal with them.
3. My credit score dropped XXXX points due to XXXX XXXX account being closed and late payments ( XXXX ) which i paid many times. How will it get fixed?
Help please? Thank you.
|
| 11/24/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX Subject : Credit Card Application Decline and Violation of Consumer Law MANAGER/CEO /COO I hope this letter finds you well. I am writing to express my disappointment and concern regarding the recent decline of my credit card application with your esteemed institution. I believe that my application was unjustly rejected, and I would like to bring to your attention a potential violation of consumer law. As a responsible individual, I have maintained a good credit history and have promptly met all my financial obligations. Therefore, I was surprised to receive a notification stating that my application for a credit card had been declined. I followed the necessary steps, provided all the required documentation, and fulfilled the eligibility criteria outlined by your bank. Upon reviewing the reasons for the credit card decline, I was dismayed to find that the decision was based on discriminatory grounds, which is in violation of consumer protection laws. The Equal Credit Opportunity Act ( ECOA ) prohibits creditors from denying credit to individuals based on factors such as race, color, religion, national origin, XXXX, marital status, age, or receipt of public assistance. I firmly believe that my application was declined due to factors unrelated to my creditworthiness, but rather due to unlawful discrimination. I kindly request that you provide me with a detailed explanation for the denial of my credit card application, specifically addressing any potential violation of consumer protection laws. I also urge you to reconsider your decision and reassess my application based solely on my creditworthiness and financial history, as is required by law. If it is determined that my application was indeed declined in violation of consumer protection laws, I expect appropriate action to be taken to rectify the situation. This may include providing me with the opportunity to reapply for the credit card or offering suitable compensation for the inconvenience caused. I would like to remind you that as a consumer, I am aware of my rights and will not hesitate to seek legal recourse or report this matter to the relevant regulatory authorities if necessary. I trust that your esteemed institution values its reputation for fair and ethical practices and will take the appropriate steps to address this issue in a timely and satisfactory manner. I kindly request a prompt response within [ a reasonable timeframe, e.g., 14 days ] from the date of receipt of this letter. You may reach me at the contact details provided above. I would appreciate your attention to this matter and a swift resolution. Thank you for your immediate attention to this serious concern. I look forward to your prompt response. Yours sincerely, XXXX XXXX XXXX
|
| 07/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
This XXXX I visited one online website and paid {$45.00} for one month fee by using XXXX XXXX XXXX Mastercard, the website said I could cancel the service anytime ( as usual ). in XXXX I did not want to continue and thus I called the phone posted on the website to cancel the service and I waited almost one hour but no one picked up the phone, and also I could not find any other contact information.
I called the credit card in the XXXX at XXXX and I was told that the charge - {$45.00} was pending ( XXXX XXXX ). I told the credit card customer service that I did not agree to pay anything more and I have called but I could not find the website owner, and thus I asked the credit card company to stop paying and mail me a new card. The credit card customer services agreed to stop paying and mail me a new card. After two weeks I received the new card and I thought the issue had been resolved. But in XXXX I received my statement the charge was still there and in addition, I was charged later fee and interests. I called credit customer service again in XXXX, I was told they were investigating and then I received a favorable letter from them, I thought the problem had been cleared, and thus I did not intentionally keep the letter. In XXXX I received billing again and I was asked to pay more ( the original charge + fees + interests ). I asked the customer service again and this time I was told my case had been transferred to dispute office, I spoke a lady in charge and it seemed the charge would be removed. But last week I received my monthly billing again as attached. the charge was still there and some later fee adjustment under my request. I called them again on XX/XX/XXXX and my phone was transferred to customer relation office and no one picked up the phone after one hour waiting. XXXX on XX/XX/XXXX, I called again and a lady in customer service answered my phone, she totally agreed with what I told her and she suggested me to call XXXX next day - XX/XX/XXXX during the regular time. I followed and called dispute office on XX/XX/XXXX, a man with heavy XXXX accent answered my phone, he told me they could not dispute the charge since this was recurring charge. I do not know who told him that, and also it is not a business of credit card company. I told him that I am the card holder and I have right to ask my card company to stop paying anything I did not agree, and they did not stop payment under my request, which was a misconduct. I feel the credit card company stick with some scam -like company together to damage their customers, the credit card provider charges customer later fee + interests and in the meanwhile the scam-like company makes money from customers. As a card holder, I feel losing control of my own credit card. Obviously I have spent a lot of time and energy but I could not stop them, and I need your help.
|
| 11/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
BarclaysUSCard XXXX XXXX This card was used to put a substantial payment to XXXX XXXX XXXX if XXXX on XX/XX/XXXX. I have XXXX XXXX XXXX XXXX XXXX and this was a possibility to try to repair XXXX parts of my XXXX. Besides the fact that it didnt work, the treatment triggered my XXXX XXXX which Ive XXXX with since XXXX. It is XXXX XXXX and because its so rare, the XXXX XXXX XXXX XXXX puts me in the incorrect best practice guidelines, codes it wrong in the XXXX, and then proceeds to make it worse. I was XXXX from XXXX XXXX XX/XX/XXXX with massive XXXX mistakes. My payments were falling behind because of my severe XXXX XXXX By XXXX I was trying to get back at work for the paycheck, called the credit card company for help and assustance. On the due date XX/XX/XXXX, I called and spoke to a representative XXXX ID # XXXX. I told her I did NOT want to close the account but needed help figuring out how to take care of this. She obviously did NOT know her job as she had to get off the line over and over and over. XXXX steered me in the direction she said would NOT close the account, TOOK a payment, and I thought we were on the way to a better place. Instead. The account was closed and I didnt even know and the scheduled payment was taken and the next XXXX paid also. When I logged in to the account in XXXX is when I learned it was closed. I went back into XXXX in XXXX on XXXX XXXX XXXX, XXXX for my XXXX XXXX trying to connect with XXXX XXXX of times.
I have called XXXX of times asking for the call to be pulled, asking for email communication ( I am a XXXX XXXX XXXX, I am in XXXX, we can not take calls, and they wont call my XXXX number ).
Here is the list of calls, dates, names, ID # XXXX XXXX, XXXX XXXX # XXXX Payment Confirmation # : XXXX XXXX XXXX found out account was closed.
XX/XX/XXXX XXXX # XXXX XX/XX/XXXX asked for XXXX XXXX XXXX # would NOT give it said she was a supervisor XX/XX/XXXX XXXX # XXXX asked for XXXX. This one hung up on me.
XXXX XXXX XXXX ( cant find dates ) XXXX # XXXX XXXX # XXXX not give it XXXX # XXXX me that NONE of the communication had any mention of XXXX, her ID, dates, or request to pull the call.
XXXX XXXX XXXX # XXXX put me back in the XXXX wouldnt answer questions then : XXXX # XXXX inappropriate conversation with me then : XXXX # would not give. This one refused yo give ID, provide escalation, file a complaint. Refused to help entirely.
XXXX XXXX XXXX, XXXX. In XXXX XXXX for XXXX XXXX, then discharged so I try to save my career and job, then XX/XX/XXXX XXXX # XXXX Hung up on me.
I need help. The XXXX XXXX XXXX more than likely will need to refund that huge charge. That is NOT going to happen with this account closed. It was closed against my clear, distinct choice and effort. I need this account reopened and this company to admit the error of one of their representatives.
|
| 03/29/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
In XX/XX/XXXX, I discovered XXXX has been charging my credit card two times a month for a monthly XXXX subscription ( instead of paying one $ XXXX/charge, I've been paying two $ XXXX/charges ). I did not realize this was happening for a long time, as the charges occur just one day apart- on the XXXX AND XXXX of each month.
Upon realizing this, I called XXXX thinking it would be a simple solution and that they would refund me for the duplicate, secondary charge which I did not receive secondary CarePass benefits for. However, they do not show two charges or two accounts, so wouldnt do anything to stop the duplicate charge. Their records only show that they are charging me once/month instead of twice/month - therefore, they say they can't do anything to stop the second charge. Guess what? I can't either, because XXXX won't stop the charge and Barclays also will not help me stop the charge.
After multiple frustrating phone calls with XXXX customer service, I went to my credit card company, Barclays. They told me to work with the merchant, but as mentioned the customer service team at XXXX is not able to accommodate.
At the beginning of XX/XX/XXXX, I cancelled my XXXX XXXX account all together in hopes of stopping the duplicate charges. On XX/XX/XXXX and XXXX, I was once again charged two {$5.00} XXXX fees- even after cancelling the service.
On XX/XX/XXXX, I once again called XXXX to try to get to the bottom of this once and for all. For 40 minutes, I was told that they dont show a XXXX account associated with my credit card. Upon threatening a class action law suit, my account was miraculously found. Only one account was found, however, and the second charge remains a mystery to them.
I dont know why the one account was found and still showing as active, as like I said above, I cancelled the account at the beginning of XXXX ( and can provide the email confirmation ).
Ive been told that one account has been cancelled and a ticket has been submitted to determine the other account.
While it would be great to be refunded for the second, duplicate {$5.00} charge Ive been receiving for XXXX years, I would settle at this point for XXXX to just stop charging my credit card each month so I can stop dealing with this headache with XXXX and Barclays.
Since XXXX and Barclays both will not help me resolve this issue, I was forced to close my Barclays credit card which I have had for 12 years and my credit will ultimately suffer because of this.
I've called Barclays, sent letters, asked to speak to someone outside of a call center, submitted forms online, etc. Only some of the fraudulent charges have been refunded and each month I deal with this because they won't stop XXXX from charging my card.
I should not have to cancel my credit card because a merchant is wrongly charging my card. Shame on Barclays.
|
| 12/28/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I applied for a XXXX XXXX MasterCard offered by Barclay 's bank on XX/XX/XXXX due to an appealing limited time promotional offer of XXXX miles if $ XXXX was spent within the first 90 days. I would not have applied for this card but for this offer which I found to be worthwhile as I want to plan a trip to Hawaii soon with my new family. I am in Compliance myself so in early XXXX called to confirm if the 90 days was based on calendar month or count of days and was informed by a Barclays employee that my deadline was XX/XX/XXXX to earn the XXXX bonus miles ( unfortunately I failed to write down his name ).
I spent the following by the cut off date : XXXX {$32.00} XXXX {$180.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$55.00} XX/XX/XXXX $ XXXX XX/XX/XXXX {$2200.00} * This item was a refrigerator purchase which was later returned ( actually exchanged ) and I received a partial credit back minus delivery fees in the amount of {$1500.00} on XX/XX/XXXX. That said, my XX/XX/XXXX purchase more than met the {$2000.00} spend requirements by the XX/XX/XXXX deadline.
The written terms said it could take 6-8 weeks after the 90 days period ends for the miles to be credited to my account so I waited for that time to pass which would have been the end of XXXX. I did not see the credit in my XXXX nor my XXXX statement so on XX/XX/XXXX I called and spoke to XXXX in Customer Service who reviewed my account and confirmed I should have been credited the miles. She said she would open a case for my account to be reviewed but that it could take another 30 days for that to occur. I asked to speak to a manager and was transferred to XXXX. He reviewed my account and explained that I missed the cut off by 1 day because they count the 90 days differently than I was informed when I called in XXXX. He said the case XXXX opened for me was the only way to get my situation reviewed. I informed him I would be contacting the CFPB and he understood.
I feel it was unfair and deceptive that a ) I was not issued the rewards promised with a marketing advertisement after meeting all the qualifying requirements b ) I specifically called for the cut off date and was misinformed but am now being penalized for it, c ) being forced to wait another 30 days for a resolution given my miles should have posted to my account by end of XXXX. I also think it is highly misleading to market things in a way that is not consumer friendly ; when you think of 90 days past XX/XX/XXXX, the reasonable consumer would conclude that that would mean that you have until XX/XX/XXXX to meet requirements. Factors such as shorter months or leap years don't tend to factor into normal scheduling. The disclosure should have instead read something to the effect of 'within 90 calendar days of account opening which may fall on a different date depending on the number of days in a month '.
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| 03/24/2015 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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The US Air ( ways ) and XXXX XXXX merger has created many problems for me as a credit card holder. I have been issued about XXXX different card numbers because of the merger, and supposedly there will be at least XXXX more. At the merger, each card number changes, the prior account is no longer available, and it creates a lot of problems for direct billings that the card holder has and is expected to notify those companies that direct bill with each card change. This is not an easy task, and who knows what happens to a credit score during this process, and changing the credit card is very time consuming both for the card holder and the business and seems to significantly interfere with the time, responsibilities, and work for each since most account changes need to be made between XXXX - XXXX, M - F.
The most annoying change has been with Barclays, XXXX, and how many of the rules have changed in terms of cut off time to pay which is now XXXX Eastern ( I live in Central Time Zone ), and how likely they are to assess late fees and finance charges beyond XXXX of the day the bill was due. The cut off time is totally ridiculous when the credit card company is held by a XXXX and presumably is a national credit card. The prior US Airways credit card had a lot more leeway without being assessed late fees and interest rates, and easy and fair removal of the late fees and charges. The XXXX card change after the merger was a XXXX XXXX XXXX card which looked exactly like the prior XXXX XXXX XXXX card, except had a new account number, but all of the additional printing on the card seemed to be the same. Was this change essential?? It did n't appear to be.
Barclays also has on the recording when phoning in to access the account they request the account holder to provide the FULL social security number or the FULL credit card number. This seems to be outrageous ; under XXXX XXXX XXXX we had to provide the last XXXX or XXXX digits of the credit card number AND the zip code. The request that Barclay makes seems to be ripe for issues of identity theft, then you must provide additional private information when you speak to an associate. I think the request for the full social security number or full credit card number is excessive, especially when they also ask for the zip code for the billing address. It is possible that the security system was designed by programmers in the XXXX ( sp ), where this information is likely not considered protected and private information. Supposedly there will be yet another credit card change, which initially was going to be ANOTHER card within 6 weeks of the card that was required to be used by XXXX XXXX ( or so ) from Barclays! The merger has created lots of extra work for credit card holders, and providing too much information via phone that can lead to customer fraud and identity theft.
|
| 08/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
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This is not an account that is owned by me and I did not authorize anyone to open this account in my name. There where no other options that fit my dispute so I choice any option to progress.
I am a recovering victim of ID Theft which arose from a stolen wallet in XXXX and on XX/XX/XXXX I aquired my ( 3 ) credit reports from each of the bureaus and was horrified to find that there are ( 13 ) unknown accounts on my credit and numerous amounts of inquiries which I did not authorize therefore, I exercise my right to request validation for each of these accounts.
On XX/XX/XXXX I wrote my first letter to Barclays Bank Delaware. On XX/XX/XXXX I received a response from Barclays Bank ( see attached letter ) which does not consitutute validation. I wrote again on XX/XX/XXXX and informed them that the account was unknown to me and that I requested full validation for the account including signed contracts and Identifiation used to qualify this customer. Please see the attached letters and proof of mail by certified delivery informing the creditor/agent they are reporting an account that is unknown to me and that they are reporting inaccurate data regarding this account.
To determine if this is an issue of identity theft or somebody with the same name as I, I requested information verifying the transaction and details such as ; 1. was this account opened in person or on line 2. what identification was used to verify the customer opening the account therefore, to determine this my request was for validation including competent evidence bearing my signature and a copy of the instrument used to secure a contractual agreement that now proves I am obligated to pay.
I made it clear in my letters that the negative marks found on my credit report held by the ( 3 ) reporting bureaus and reported by their company or any other company that they represent for this debt that I do not owe IS a violation of the FCRA and FDCPA and I requested that if this debt can not not be validated this company must take steps to have all reporting bureaus delete this entry immediately.
It is ridiculous that it is now over 120 days since my initial request for validation in XX/XX/XXXX, and the only documents sent to me were copies of statements requesting payment. My latest request to Barclays Bank of Delaware made XX/XX/XXXX is now well over the 30 days time frame as per law and this collection company is out of compliance.
Under advise, I wish to informed Barclays Bank of Delaware that I am prepared to take steps to file a small claim case in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
|
| 05/05/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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|
Web |
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I was in XXXX XXXX , XXXX from XX/XX/XXXX ; XXXX , XXXX from XX/XX/XXXX ; and again in XXXX XXXX from XX/XX/XXXX before returning to the USA ( XXXX , XXXX are a ). I also had a connecting flight in XXXX , XXXX . On XX/XX/XXXX I G ot back to the USA at XXXX and called my credit card company shortly after, because I got a text message saying that there was suspicious activity on my card. It was with my XXXX XXXX XXXX XXXX XXXX MasterCard, which is powered by barclaycard. The agent from my credit card company that I spoke to went over the charges that looked suspicious and I knew they were n't mine, and they were marked fraudulent. There were XXXX fraudulent charges of {$340.00} made on my account on XX/XX/XXXX or XX/XX/XXXX and XXXX charges of {$180.00} made on XX/XX/XXXX . Not only were these XXXX fraudulent charges cash advances, but I 'never ' use or used my credit card to make cash advances. I was scammed by crooks. I could be wrong, but now I am thinking that this may be how these crooks were able to scam me ... On XX/XX/XXXX I went to the XXXX XXXX XXXX XXXX and I made a purchase at the XXXX XXXX with my credit card and when I inserted my card into the chip terminal, it rejected my payment at first, so a person behind the counter said that I need to type in my pin, so I typed it on the key pad. Then I think they used a different machine the 2nd time and it accepted my payment. I believe that [ maybe ] my pin could have been stolen that way. Otherwise, in XXXX , I only used my card to get train tickets a couple times ; at the XXXX XXXX ; at the XXXX XXXX XXXX ; and a couple times at gift shops in XXXX XXXX XXXX . I never use my credit card to make cash advances, I only do " swipe '' transactions, and I would not have spent {$340.00} or {$180.00} in a single transaction, or multiple transactions in this case. I 'm a victim of credit card fraud and I should not have to pay an " extra '' {$1300.00} on my bill that I 'm not responsible for. So today on Thursda y, XX/XX/XXXX I got a letter from the fraud investigation department saying that their research has indicated that the transactions are valid. So as of now I 'm responsible for " fraudulent '' charges that were made on my card by someone else. I was then told to call the XXXX XXXX in XXXX XXXX and they could n't help me ; I was told to call the XXXX XXXX police and I was hung up on ; and I was also told to backtrack the merchants on my account where the fraudulent transactions were made, and the names are n't even showing, because they 're probably various ATMs. I also suffer from XXXX XXXX and I do n't make such a large income, so to pay a large amount " extra '' on my credit card is in no way fair. Thank you.
|
| 11/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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|
Web |
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We rented a XXXX in XXXX via XXXX this past XXXX. The XXXX advertised it to have a swimming pool and a brick and mortar built in grill, with a long cutting counter. We invited six XXXX friends to come and have BBQs with us. When we arrived to the property, the unit had no swimming pool or grill. The unit was also an apartment, and not a villa, as advertised. The nice built in grill had been removed, and there was never a pool. Bathrooms were missing toilet paper, lots of burned light bulbs and dirty lamp covers. Quite a bit of broken tile floors which were hazardous to walk. Mold in bathroom ceilings, and the likes. When we questioned the owner on being no pool, he said to use the hot-tub for swimming!, and dropped a cheap metal grill in a box, expecting us to assemble it during our vacation. I tried to resolve with XXXX and they dragged me for 20 days via messages, but never called me back, as I requested multiple times. Eventually, XXXX sent me a message saying they closed the case, and they shut off the communication link to write. On or about XX/XX/XXXX, I disputed two of the three {$850.00} charges made on to my XXXX Mastercard on XX/XX/XXXX. Days later I received a letter confirming the disputes under case numbers XXXX and XXXX XXXX, explains that it would take unto 45 days to hear back from them. To play safe, last Friday XX/XX/XXXX, I called to check the status of the disputes. They left me on hold for over 45 minutes and I had to eventually give up the line. I called them today, XX/XX/XXXX, and the employee that answered told me the disputes were closed last week because they needed more info on the cases. When I asked her if they sent me a request for more documentation, she said no. I then asked if they heard back from the merchant, and she confirmed the merchant did not respond. When I questioned how would they close a case without fully investigating it, she did not know how to respond. I followed up with another call, after holding 25 minutes for it, and same answer from another lady. All calls are routed to XXXX and some of the communications are of very poor quality with static noise. I do not understand how they can just close a case and not follow FCRA guidelines giving me the chance to provide any necessary documents, or respond to questions, or not even wait for a merchants response.
I should note that when I called them while we were in XXXX, at least 4 different days their autoresponder said they were having system issues and could not provide any answers related to the accounts. Lately, when you call XXXX XXXX credit cards they take well over 20/30 minutes to answer calls. These are signs that they may have been cyber hacked. I work in the mortgage lending environment and know from the courses we take at work, that these are signs of a system having been cyber attacked.
|
| 10/28/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
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Two years ago, I heard from a fellow military officer that Barclaycard was offering generous benefits to current XXXX XXXX service members who apply for their XXXX XXXX XXXX XXXX XXXX XXXX ( part of their Luxury Card line ). These benefits included waiver of the annual fee and 0 % interest on any card balances for the duration of XXXX XXXX service. I contacted the Barclaycard military phone number and spoke to a representative, who confirmed that these benefits were provided as a goodwill for XXXX XXXX service members. He advised me that if I decided to apply for the card, I would need to call him back to provide proof of current XXXX XXXX service. I applied immediately online, was approved and called him back. He requested that I fax a copy of my current Leave and Earnings Statement ( LES ) to provide proof of current XXXX XXXX military service. I faxed this to him and my service was verified. I received a letter in the mail, from Barclaycard confirming extension of the aforementioned goodwill benefits and thanking me for my service. I was impressed by the generosity of the company and proceeded to use my card regularly with monthly transactions averaging {$1500.00}.
I was surprised to receive a letter in early XXXX stating that my account was ineligible for benefits under the Servicemembers Civil Relief Act ( SCRA ) because my account was opened after I was already on XXXX XXXX. This was odd, because the benefits discussed during the opening of my account were referred to as " goodwill '' and SCRA was never mentioned. Further, I reiterated on multiple occasions that I was currently on XXXX XXXX and the Barclaycard representative requested verification of that status before extending the goodwill benefits for my service. Thus, Barclaycard already knew that I was on XXXX XXXX at the time that the goodwill benefits were extended.
The same letter noted that the annual fee waiver would no longer be extended and payment of the annual fee would be required if I desired to keep the account open past XXXX XXXX, XXXX. Interest on any balances would remain at 0 % regardless of whether I decided to close the account or keep it open.
Barclaycard 's actions represent a significant breach of trust and integrity with an XXXX XXXX military customer. To suddenly withdrawal generous goodwill benefits that were offered for the duration of XXXX XXXX service, and to mask such actions as a misunderstanding of SCRA benefits, is unacceptable. This places me in a precarious situation where I face the decision of closing the account, at significant impact to my credit score, or keeping it open with while paying an annual fee that far exceeds the benefits of the card, as compared to similar products offered by competitors.
Barclaycard 's actions, as of XXXX XXXX, XXXX, may also violate the Military Lending Act.
|
| 05/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
XXXX XXXX XXXXbarclaycardus.comXXXX I can't even believe I am writing this -- the first company that I would even bother to write a review about, just because my opinion has changed so much. I loved this card and loved Barclays as a bank, but after having the wildest 5 months of customer service I would have to guess that they are trying to sunset this business and discourage people from keeping the card. I am actually closing all of my Barclays accounts because of this.
They were great until a fraud situation and then you are basically on your own -- so much so that today I was told the only way they would reconsider my case was if I faxed them 5 documents to prove that I was in fact out of the country on the date in mention of a specific transaction ( despite having no access to a printer or fax machine ) -- a cash advance from a XXXX XXXX ATM, despite the charges before and after that one charge was already marked as fraud and taken care of.
While traveling out of the country w/o the card, I was alerted by Barclays on 3 occasions on XX/XX/20 for 1 ) someone activated my card ( a new card tey had just sent, but I didn't request ) 2 ) someone changed the pin of that card 3 ) there was fraud on that card. I responded that it was fraud since I was not traveling with that card, have no access to the mail while in XXXX, and that all of the charges were fraudulent.
Most of the charges were removed, except for one made for a cash withdrawal at XXXX XXXX. I've spent the last 5 months trying to get this charge to be removed from my statement. The full charge was : {$20.00} withdrawal + {$3.00} ATM fee + {$10.00} cash advance fee.
Today I learned that Barclays has removed the {$10.00} cash fee from my statement because they recouped that from XXXX XXXX during the fraud investigation, showing an agreement between the two companies that this was fraudulent. Barclays however will not remove the underlying {$23.00} charge.
.. so literally the financial transaction that only took place because of the ATM withdrawal was deemed fraud and XXXX XXXX paid it back to Barclays , but the ATM withdrawal itself is not being considered fraud ... .huh?
On today 's hour-plus call there was mention of the name and phone number of the person who they spoke to that was in possession of this new card, spoke to a member of the Barclays team to activated, and even picked up their phone AFTER the fraud alert ... showing Barclays clearly knows this is fraud, even knows details about the fraud, has colluded with XXXX XXXX on this fraud, and is still charging me the {$23.00}.
Their advertising is also very clear that they offer things like " Access great benefits like {$0.00} Fraud Liability protection and no foreign transaction fees '' which is clearly very misleading given how they actually manage fraud at Barclays.
|
| 05/02/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
On XX/XX/XXXX, I was made aware that two credit cards were opened fraudulently in my name as a result of identity theft. One of the cards was a XXXX XXXX XXXX by XXXX. I was told, by XXXX, that it was opened up on XX/XX/XXXX, online on the XXXX website. Someone then went into a XXXX XXXX, in XXXX California, on XX/XX/XXXX ( the same day ) and made a charge of {$810.00} for a hotel stay. This card was opened fraudulently online, and it was not me checking into the hotel in California. I live on the XXXX XXXX and have proof that I was in my hometown shopping at XXXX on the date of XX/XX/2018. I have proof of other transactions before and after this date showing that I was on the XXXX XXXX the entire time of question. I became aware of these activities on XX/XX/XXXX. I quickly put a freeze on all three credit reporting services. I called XXXX and told them that the card was opened fraudulently and to shut it down. XXXX said that they are closing the account as fraud, and that they will be sending me a Fraud Affidavit to fill out and sign. A Fraud Affidavit letter was never sent to me. I received a letter, dated XX/XX/XXXX, stating that their " investigation in now complete and our research indicates that the account is valid. '' I called them and told them again to shut it down. I then receive the bill on XX/XX/XXXX showing that I am responsible for the hotel stay. I again call XXXX and asked how come the transaction went through. I find out, that on the day the card was opened ( XXXX, online at XXXX XXXX EST ) someone ( not me ) checked in with a PRINT OUT approval letter and credit card number ( not an actual card ) and showed ID to match to check in. So, XXXX for their fraud investigation, phones the hotel to verify if it is fraudulent. The hotel attendant states that it is their policy to check ID to verify the charge and that they did this for the {$810.00} charge. It is impossible that they had a physical card to swipe, because it had just been opened earlier that day, AND I received the physical card about 10 days later. XXXX is not reporting the card as fraud and I am responsible for the charge because the hotel it saying that they checked ID- that's their statement. I had mentioned in the beginning that two cards were opened up. The other one was a XXXX XXXX. I called them on the same day ( XXXX ), they shut down the card and sent me a letter dated XX/XX/XXXX, acknowledging that the application was fraudulent. Thus, I have proof that I was on the XXXX XXXX and NOT in California on XXXX, another card was opened fraudulently in my name, and XXXX still claims the card was not fraudulently opened because they believe the hotel attendant 's story about showing ID to check in with a print out approval letter for a card that was opened hours earlier.
I can send related documents if requested.
|
| 12/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I am in receipt of your letter dated XX/XX/2019. Although your letter is partially correct, there are some issues that have not been resolved. I will list below, again as I have written this numerous times.
In XXXX, a representative put my account in bankruptcy, which was determined incorrect based on the telephone conversation recorded and your investigation. This change in my account resulted in my auto payment for XXXX to be removed and my account no longer accessible. You agreed to make my account current and report same with the credit bureau for XXXX, which you did.
I was set up on the payment plan XX/XX/XXXX which I was told would remove any late notations, reduce interest rate and APR rate. This did happen and {$59.00} was made that same day. However, 2 days later it was reported late to the credit bureaus.
On XX/XX/XXXX, Barclays took {$340.00} from my account instead of {$59.00} that I set up. I contacted Barclays customer service and collections numerous times and told it was in the process to be refunded. I never received the refund until I contacted my bank. It was not a courtesy refund from Barclays. I asked Barclays again to refund the difference and apply {$59.00} to my XXXX payment. To date, that did not happen and I made {$59.00} payment Friday.
On XX/XX/XXXX, {$59.00} was taken from my account and cleared my bank.
Now the problem and this is a serious problem. Barclays is reporting me to the credit bureaus 3 months past due for XXXX, XXXX and XXXX. This is grossly inaccurate. I sent documentation of the XXXX, XXXX and XXXX payments to Barclays. How hard is it to fix this with the credit bureaus? I have been dealing with this since XXXX because your employee took it upon herself to change my account status. If she had left well enough alone this would be a moot issue.
Here is what is happening, the right hand is not talking to the left hand. All you have to do is report my account current with the Credit Bureaus for XXXX through XXXX for the payments I made. It's plain and simple.
Four months is too long and my patience is gone. You clearly have received the payments and documentation has been forwarded to Barclays, yourself and Mr. XXXX.
I received an email that someone would be contacting me within 24-48 hours to discuss my case. That was 4 days ago. No contact. Mr. XXXX also emailed me that someone would be contacting me. No contact has been made. You, Ms. XXXX stated in emails you tried to reach me but were unsuccessful. This is also incorrect. You have not answered any of my calls or emails until this XX/XX/XXXX letter. I have records and documentation of the dates, times and content of my contacts with Barclays, Mr. XXXX and yourself.
This in one of many emails I have sent to MsXXXX XXXX in the Office of the President has done unanswered and resolved.
|
| 11/02/2016 |
Yes |
|
|
|
Web |
|
|
Filed a complaint about being charged a late fee, which in my opinion is abusive since technically my payment was made on the same day it was due, but was posted the next day because it was it was not made by the cutoff time set by Barclay. I was assessed a {$34.00} late fee, which I must work nearly XXXX hours to earn, and I 'm a head of household with XXXX dependents because I missed the cutoff by minutes. So your few minutes cost me XXXX hours of my labor, plus take food off the table for my dependents. I do n't believe my request is unreasonable to ask for a {$34.00} late fee be waived, considering you make a lot more than that over time in interest. First when I called to request your manager gave me attitude when he told me no one can waive that for you in a condescending tone. Second I filed a complaint, and a young lady by the name of XXXX from the office of the President called me twice, once on XXXX XXXX and XXXX XXXX, even though I called at least three times after the XXXX, no further attempts were made to call me, and instead you responded in writing with the nonsense that was provided by your agent, and manager. I do n't think you 're written response addressed my issue or concern appropriately. Your agent 's response, your manager 's response and your office of the President 's response was inadequate. You simply told me I already knew, and I did n't ask you to reiterate what I already knew. I expressed a deep concern that I felt your late fee was abusive, unfair and unjust for someone like myself who made the payment the same due it was due for a very large amount, and missed your so cutoff time by minutes but was assessed a late fee. Maybe you should focus your attention and invest on being more customer centric and doing the right thing for the customer when you know they have an issue, since obviously technology is not an option you 're willing to invest in. There really should be a difference in making the payment by XXXX on a given date as opposed to making payment by XXXX. It 's still the same calendar day, and it is processed electronically immediately. I could understand if we were behind on the times, and we still had a brick and mortar operation where I needed to get to a branch location before it closed, but that is not the case. This an electronic payment which was still processed on the due date. Like I stated its truly sad and unfair that I should to give up XXXX hours of my hard earned money for a few minutes of an obsolete cutoff time. The way you have handled my request and the amount of energy you have expended to not do a courtesy waiver is unbelievable. Just put XXXX of that same effort into doing the right thing for your customers and everyone will be happier on both sides. Once again I 'm requesting a courtesy waiver of an abusive, and unjust late fee.
|
| 09/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I received several 0 % promotional APR emails from XXXX XXXX Barclay Card ( screenshots attached ). On XX/XX/XXXX, I contacted Barclay to activate this offer and request a new card be mailed to me with expedited speed. When I did not receive the card within the expedited time frame, I contacted them again on XX/XX/XXXX and found at they had not annotated the requested expedited time frame in my notes and had to generate a new request. There was also a third call required before I finally received my card but I do not remember the dates and details of this call ( I do know it occurred prior to XX/XX/XXXX ). While trying to resolve this matter, I found out that they did not even have records of all conversations I had with representatives. Although I did receive my card, I furnish this explanation as an example that they inadequately annotated my calls. During my numerous calls to Barclay, I also confirmed that the 0 % promotional APR had been applied and was told it had been. Having confirmed that this promotional period was applied, I made a {$3100.00} charge on XX/XX/XXXX. There was also a " fast card fee '' - the fee for activating the promotional offer charged to my account on XX/XX/XXXX. When I logged into my account to begin prompt payments on this amount, I was only presented with the option to pay the minimum balance or the entire statement balance. I contacted Barclay about this on XX/XX/XXXX and was told that I am not currently being charged interest on {$3100.00} but they had no record of a promotional offer applied to my account. They were unable to give me a timeframe of how long I would not be charged interest on this amount or let me know the required date by which it would need to be paid in full. I asked to speak to a supervisor about this and was told it was not possible ( really? no supervisor on duty? ). A complaint was filed asking for a supervisor to call me and help me resolve the matter further. However, I am a doctor and not able to receive calls during most business hours. Furthermore, my phone screens calls from unknown numbers. I asked if I could be provided with a contact number ( or other contact info ) in case I missed the call and was denied. I am concerned regarding a number of outcomes : my interaction with Barclay has demonstrated that they do not adequately annotate their calls and I have concern that they may not have noted their verbal confirmation of my promotional offer. I am also concerned I will not be able to get in touch with a supervisor to resolve this issue. I am further concerned that I will be charged interest due to inaccurate application of the promotional offer on my account, inaccuracy in reporting information to me about the status of this offer, and/or their inability to tell me when the balance must be paid under my promotional terms.
|
| 09/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
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XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX THIS COMPLAINT IS DIRECTED TO THE CONSUMER FINANCIAL PROTECTION BUREAU and SHOULD ONLY BE RESPONDED TO DIRECTLY FROM an AUTHORIZED AGENT OF THE CFPB, and NOT the RESPONDENT, BARCLAYS ' Bank. Dear Consumer Financial Protection Bureau, On XX/XX/XXXX, I received a letter from Barclays, stating that it denied my credit application that I submitted to Barclays back on XX/XX/XXXX, because when I, in good faith, exercised my right to file a consumer complaint against Barclays with the CFPB under complaint number XXXX, a year ago on XX/XX/XXXX, that I allegedly sent a copy of the CFPB complaint to Barclays at a representative 's home address and included that address as part of the complaint that I submitted through the CFPB public website on XX/XX/XXXX. These allegations are untrue. I did not send a copy of the CFPB complaint to Barclays at a representative 's home nor has there been any supporting evidence that anything was mailed to Barclays at a representative 's home. Furthermore, I had no knowledge that the address that was included in the CFPB complaint for the Dispute Advisor at Barclaycard, was that of a representative until receiving the letter from Barclays dated XX/XX/XXXX, which stated that the address was that of a Barclays representative. Nor would I have known the address for any Barclays representative, and the address for the Dispute Advisor at Barclaycard that appears under the CFPB complaint number XXXX was obtained from another public website under Barclays contact , and not for any one specific representative at Barclay. For these reasons, there were no basis to deny the application " based upon improper and unacceptable interactions '' allegedly had with a Barclays representative regarding my former Barclays account. The most that can be said is that the application was denied on the basis of my age, gender, marital status, race, color and/or for in good faith exercising my rights under State and Federal Consumer Protection laws by submitting the CFPB complaint. When I responded to Barclays ' letter through the CFPB portal on XX/XX/XXXX, it closed the complaint as a duplicate. On XX/XX/XXXX, I requested that Barclays explain why CFPB complaint number XXXX was closed as a duplicate without being addressed by Barclays when it was submitted in response to the XX/XX/XXXX correspodence received from Barclays and the FACTS alleged were materially different from those that were alleged in CFPB complaint number XXXX and relate specifically to events that occurred AFTER submission of that complaint, namely the facts that were disclosed for the first time in Barclays XX/XX/XXXXXXXX correspondence. On XX/XX/XXXX, Barclays closed that complaint out too as a duplicate without addressing the issue.
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| 08/24/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I disputed 2 credit card charges : ( 1 ) a XXXX charge fromXX/XX/XXXX in the amount of {$20.00} ( Case # XXXX ), and ( 2 ) a XXXX XXXX charge from XX/XX/XXXX in the amount of {$31.00} ( Case # XXXX ). I was able to submit the disputes online through the Barclays website. I received confirmation letters via USPS from Barclays regarding these disputes. For each dispute, I received 2 letters : one stating that they received my billing dispute and have referred my transaction to a dispute specialist ( and that resolution could take up to 45 days ), and a second letter stating that they had informed the company of the dispute and were placing a provisional credit on my account. After that, I never received a confirmation of the outcome of the dispute. Despite being able to file my dispute online, Barclays did not have the option of checking the dispute status online, so I resorted to calling the Disputes department on XX/XX/XXXX. However, it was not possible to get anyone on the phone in the Disputes department ( they just had a message stating Due to circumstances beyond our control, we are unable to take your call at this time ), so despite multiple attempts ( including directly dialing and being transferred to their department ) I could not speak with an agent in the Disputes department. I spoke with a customer service supervisor ( Guillermo ), who stated that he was able to see the disputes were closed as write off. I asked to receive written confirmation of the outcome of the dispute, and was told that he was unable to do so, and that I would still have to speak with the Disputes department directly. I finally was able to get a hold of the Disputes department on XX/XX/XXXX, and asked them to send me written confirmation of the outcome of the dispute, per the terms of the cardmember agreement ; however, I was told by the representative that they " didn't do that '', and that the previous letters I had received should serve as confirmation. I informed him that I was legally entitled to written confirmation of the outcome of the credit disputes, not just notification that the dispute had occurred, and the representative said he would work on it and have something sent to me. I received a letter dated XX/XX/XXXX ( Case # XXXX ) that stated they would " fully investigate my concern '' ; however, I was instead sent copies of the previously-received letters ( the ones stating that they had informed the company of the dispute and were placing a provisional credit on my account ). At this point, I have not received confirmation of the outcome of the aforementioned disputes, and the company has refused to send me confirmation when asked, going so far as to state that this is their official policy. Please assist with resolution of this issue, and apply any sanctions to the company as indicat
ed.
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| 08/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Delay in processing application
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Web |
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I applied online for the Jetblue XXXX XXXX in XXXX of XXXX ; it was approved instantly. Once I received the card, I tried to make a purchase and it was declined. I contact Barclay and was told several conflicting information regarding verification. Firstly, I was led to believe it was my phone # ( I changed my cell phone in XXXX of XXXX ). I believe they were trying to verify me using the old #. Secondly, I purchased my home in XXXX of XXXX, so I think that also was an issue. The problem with that is I update my account with the company. I have another credit card with this incompetent company. Thirdly, I was asked to submit my 1040 tax return, current utility bill and copy of my drivers license ; I did but with resistance. Finally, they received the documents but told me my 1040 form was not acceptable but I was not given a reason why. I finally told them I am done, I will not submit another document. On XX/XX/XXXX, I received an email informing me that I have a bill due in XXXX for {$99.00} from this said company. I knew it was the annual fee but why would I get charged the fee on a card that is not yet able for use? I call the company on XX/XX/XXXX to inquire about the charges, to check the status of the card, and to vent about the frustration of this poor inadequate system. I was told my social security number is the problem. Not sure how my SS is the problem, not sure if I used the wrong SS to apply for the card that was initially approved. I know it is not the SS # on Form 1040. I asked to have the {$99.00} removed and to close the account. In the conversation, the representative read a statement regarding the card I asked to close and I heard something that lead me to ask a question. Apparently, the {$99.00} was charged back in XXXX and I was not notified. The rep indicated that I selected a paperless statement ; I asked her when did I do that, especially since I was locked out of my online account in XXXX. I could not access my other account until XX/XX/XXXX after I closed the Jetblue XXXX XXXX. I was told that my password was locked. Not completely true, another rep told me I could not access my other account because of the current issue. The same steps I took on XX/XX/XXXX to access my account are the steps I took hours before calling customer service. This experience was so frustrating. This is by far the worst company and process I have ever dealt with. Why approve a credit card and then have the customer prove their identity AFTER approval? I think the {$99.00} fee charged in XXXX without a statement or without my knowledge impacted my over 800 credit score. XXXX off with that. I have dealt with this issue since XXXX. Calls got disconnected from their end and no one call back. I had to hold for over 30 minutes at times. This is simply a horrible company to do business with.
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| 06/07/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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We attended a very high pressure sales and " owner update '' in XXXX on XX/XX/XXXX at the XXXX XXXX XXXX sales office while staying at XXXX XXXX. I had suffered a XXXX XX/XX/XXXX, about six weeks before our sales presentation, after being XXXX XXXX XXXX XXXX XXXX while I was walking in downtown XX/XX/XXXX. We repeatedly stated that we could not afford anything that would require a loan, and did not like the difficulty we encountered finding availability. Maintenance fees were rising faster than we expected. The salesman repeatedly assured us that if we took advantage of the promotion offered that day, we would not have to worry about any maintenance fees after the XXXX calendar year, thereby saving money over the long run. He said this promotion would have been offered to us had we participated in dinner meeting offers over the previous year. Both the salesman and his supervisor confirmed this special offer. We were told that we would no longer have to pay for annual maintenance fees, having qualified to participate in the special program that was not publicly available. The salesman illustrated in chart form on a paper how this program would save us money by trading in part of total our points each year. He said the remaining points would actually get " treated as double points. '' They both explained we would receive a phone call ( annually ) in XXXX right after our maintenance fee bill arrived and would be guided to trade in the proper number of points to write off the entire maintenance fees each year. In order to take advantage of the offer we opened up 2 credit cards ( in each of our names ) with Barclay to pay for the contracted points at 6 months no interest although only one of us actually had income at the time.
# 1 - {$16000.00} # 2 - {$6700.00} This past XX/XX/XXXX, when the call never came, we started contacting XXXX XXXX on XX/XX/XXXX to find out what happened to the special program, where we were told that no such program exists and it 's not in our contract so we are out of luck. We asked for a financial waiver again inXX/XX/XXXX due to medical expenses, but were refused a refund as they denied any bait and switch tactics, but we were told we could return our contracts for a fee to avoid future maintenance fees, but are still responsible for the $ 22,000+.
Due to unexpected and ongoing medical bills over the last 2 years, we have had trouble making payments on this and other credit card loans and are desperately trying to maintain our good credit rating. We have been transferring the balances to other credit cards to maintain low interest, incurring fees each time we do so. We feel that the promises made by the salesman and his supervisor were misrepresentations, and by the time we confirmed that the program did not exist it was too late to get out of our contract.
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| 02/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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In XX/XX/2022 I paid my account balance to XXXX. Because I was making an early payment I attempted to cancel the upcoming autopayment. I thought it would only cancel the upcoming payment and leave the autopay arrangement in place. In doing so it cancelled the entire autopay arrangement, in which I was unaware. In XXXX of 2022 I made a small purchase on XXXX and put the charge on my account. Thinking my autopay would kick back in. It did not and I was alerted in XXXX that my score had dropped due to a missed payment due to Barclays. I called to inquire why autopay did not take care of the monthly payment due and was informed it had been cancelled. It was then I was told, I should not have cancelled the autopay, that it would not have taken the additional money out if the balance was XXXX. Okay, lesson learned. The rep refunded my late payment and told me to write a letter to the dispute department to see if they could change the information sent to the credit bureau in light of the misunderstanding. I did just that and still have yet to receive a direct response from them concerning the matter. Funny thing is I paid the small balance in full a few days later and earlier than the due date. I left the autopay in place ( as I was instructed I should do ) and guess what? When my due date came along, they charged my account anyway, despite the fact I had a XXXX balance. HMMM!!! To top it off, they decreased my credit limit yet affecting my credit score once again. I felt XXXX valued. As a loyal Barclay 's member, who always pays on time and stays well below my credit limit, this was as isolated incident and XXXX due to an honest misunderstanding. I called yet again to understand why my limit would have been lowered because of this isolated incident and was informed it was because I had been delinquent for XXXX months ( untrue ) and had too many derogatory marks on my credit report ( untrue ). Before they lowered my limit, my credit score was XXXX XXXX ( depending on which credit bureau XXXX I had a credit utilization rate below 19 % and I had no derogatory marks on my report. Besides this XXXX hiccup, my on time payment history was 100 % Does that sound like it warrants a decrease in credit limit. I'm not even upset that they have decreased my spending power, that's not a big deal. When it effects my credit score, that's a representation of my worthiness, my ability and willingness to pay my debts. A representation of me that they should not have the ability to affect or manipulate so easily. I am attaching several screen-prints of my credit score across several platforms. As you can see I am over diligent when it comes to staying on top of my credit score. The reason for the decrease in credit limit can't possibly be because of my credit history. Someone didn't do their homework.
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| 09/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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On XX/XX/, I initiated a balance transfer offer with Barclays Card US to pay off the remainder of my personal vehicle loan with XXXX XXXX XXXX ( XXXX ). At the time I had a {$0.00} balance with Barclays on a revolving credit line of {$10000.00}. I requested {$5000.00} be transferred, as this was the projected payoff amount of my loan as of XXXX. I chose this date to ensure there would be enough time to process the transfer of funds.
For this amount, I was assessed a balance transfer fee of {$200.00} ( 4 % ). The total amount I was to owe Barclays was {$5200.00}.
The following week, I received a letter in the mail from Barclays stating that they " could not process '' my balance transfer request due to " insufficient funds. '' Upon reading further, the letter stated that a balance transfer of XXXX XXXX XXXX was attempted and rejected. This was obviously their error as all of my confirmations and documentation within the Barclays website reflected the correct request of {$5000.00}.
On Tuesday, XXXX XXXX XXXX ( later due to the holiday ), I once again initiated a balance transfer to pay off my car loan at XXXX ; however, at this time, due to daily accrued interest my payoff had increased to {$5000.00}. This greater amount also triggered a higher balance transfer fee of {$200.00} for a total of {$5200.00}.
This amount is {$8.00} more and I was financially penalized by Barclay 's error in processing my initial request. On XXXX XXXX I called into the Barclay 's Customer Service number at XXXX to inform them of this problem and request a courtesy credit in the amount of {$8.00}. I only wanted to be made " whole. '' While the initial representative acknowledged that there was an error, she claimed she could not make any adjustments to the account.
Upon my request, I was transferred to a supervisor named " XXXX '' during this same call. When XXXX learned of the situation, she laughed at the absurd amount of the initial balance transfer and assured me she would apply a credit of {$8.00} to my account and I would see this reflect on my account in XXXX10 business days. I was satisfied and considered the matter settled.
Unfortunately, the credit never appeared in my account. On XX/XX/XXXX, I contacted Barclays through their internal messaging on their website to inquire about the missing credit. They apparently misunderstood my question and replied with an unhelpful and unrelated answer.
I tried again on XXXX XXXX and exchanged a series of messages with more unhelpful and unrelated canned replies and was advised that they didn't have a record of the {$8.00} credit and are " unable to further assist. '' This is unacceptable and I shouldn't have to work this hard to correct an error obviously made by Barclays in erroneously trying to process it for over a XXXX XXXX XXXX XXXX
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| 07/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
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I filed a dispute with my Carnival Mastercard through Barclays. I received the response that they are holding me responsible based on the documents provided from the merchant to them. However in one of the documents, the merchant, XXXX XXXX clearly apologizes for the misinformation I was provided. This misinformation rendered the tour unusable. Their offer of compensation was for another day of hop on/off bus in NY, of which I dont live nor anyone that could have used on my behalf. Here is my original email to XXXX : When sold our hop on/off tickets we were explicitly told the buses run every 15 minutes until XXXX XXXX. Because of this we took a side trip to XXXX XXXX for dinner at dusk. After dinner we walked back to stop XXXX about XXXX and waited a good 30 minutes before I realized I had an app to check the next bus arrival time. Lo-and-behold your app read the last buses are at XXXX. I dont appreciate being mislead to make a buck. NY is not really known for being safe in many areas at night. I had to find an alternate way back to the hotel and pay extra for that when we intended to use your bus. After doing my own research the only bus past XXXX XXXX is the night tour which only has the one pick up and drop off. This is acceptable marketing tactics. I would not have bought the service had I known it was limited to XXXX. As slow as the buses take to get from stop to stop I would have stuck with a cab. I would like a refund of the fees that I was conned into.
Here is one of her responses to me : We completely understand your frustration. Our Downtown Tours do run approximately every 20 minutes or so between XXXX XXXX and XXXX, with the Night Tour running from XXXX to XXXX hourly on Monday-Thursday and until XXXX. We are sorry if you were misinformed in any way. As per our terms and conditions, all sales are final, and we are unable to issue a refund on this purchase. We are more than happy to issue you one day Hop On Hop Off passes, which would have a 2 year validity. These passes are also transferrable to a friend or family member in the case that you are unable to use them yourself.
Also, The letter from Barclays also spoke about me signing a contract that explained they offer no refunds. I didnt sign any contract, rather gave my credit card to a street vendor who only received one signature of sale, based on my recollection. When I initially complained, I even offered for a reduced refund. As we used the bus once in the morning. But the way they operate their business it was not a viable option after. And again, as in my complaint above, they left me and my family in a bind in a scary area because of misinformation. I think this is unacceptable and I should be refunded for the tour.
This trip was purchased XX/XX/2021.
Card ending in XXXX.
Amount : {$350.00}
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| 08/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Problem lowering your monthly payments
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|
Web |
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I am currently experiencing financial hardship and unable to make my current monthly payments on my Barclays credit card. For weeks, I had been trying to enroll in Barclays longterm hardship program, for which I am qualified for, via their website. With this program, my XXXX would be reduced to 5.9 % and my monthly payments would decrease to {$180.00}. Unfortunately, I received error messages every time I tried to finalize the enrollment.
I finally called their customer support to get assistance with enrolling on XX/XX/2023. During this phone call, the account manager informed me that I would need to go ahead and pay the {$180.00} at the time of enrollment in order for me to be successfully accepted into the program. Due to the financial hardship I am experiencing, I was unable to pay the {$180.00} on the phone at that moment. The customer service agent informed me that I would be able to go through their website ( as I had been trying to do before ) to enroll once I had the money. She emphasized that I would just need to go ahead and pay the first payment of {$180.00} upfront.
Later that night, I was able to scrap together the {$180.00} that I was told I needed. I went through the steps on their website to enroll and submitted a payment for {$180.00} specifically for the hardship program ( I did NOT authorize money to be taken from my bank account for a regular payment ). The next day, XX/XX/2023, I saw that the money had been taken out of my account, but there was no proof of enrollment in the hardship program. Upon calling the Barclays customer service line, I was informed that I had not been enrolled in the program and I would need to now pay {$170.00} to enroll. I asked if the {$180.00} I had already paid could be refunded and they refused. The pressed me to pay the additional {$170.00} to enroll via phone. I gave in and scheduled a payment for the {$170.00} payment over the phone. When I asked for proof of enrollment, they were unwilling to give me anything that confirmed I had been enrolled. Instead, they advised that I would receive a letter at an unspecified time.
Because I was unable to get any confirmation, nor had I gotten a refund for the {$180.00} I had already paid, I canceled all scheduled payments. I am now working with my bank to dispute the {$180.00} that I did not authorize for payment outside of the hardship program.
I am unsure what to do next as I am now still not enrolled in the hardship program. The longer I am without the program, the closer my account gets to being considered delinquent. I am trying my best to avoid this but Barclays is refusing to work with me, despite me being qualified for the program.
I am needing assistance getting enrolled in their hardship program and being refunded the {$180.00} I paid under false pretenses.
|
| 03/01/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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|
Web |
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I flew to XXXX XXXX on XXXX XXXX on Friday XX/XX/XXXX and flew back to XXXX on Monday XX/XX/XXXX. On the way back the flight attendant made a pitch, like they normally do on a XXXX flight, for passengers to sign up for the Barclays XXXX XXXX credit card. She said that if we filled out the application that she was giving out on the plane instead of going online and filling it out we would receive 50,000 bonus miles as long as we made {$500.00} worth of purchases in the first 90 days of having the card and paid the annual fee.
So I filled out the application, got approved, and got my card in the mail a few weeks later. I charged over {$500.00} my first month and my second month and about {$300.00} my 3rd month and paid the balances off in full every month so I qualified for the bonus miles after the first month.
My bonus miles never appeared on my statement or online. I have another Barclays card so they both showed up on the barclays site but my miles did not show up on the Barclays site i go to pay my bills or the XXXX site where they should be and where i go to book travel via XXXX.
I made several calls to XXXX to ask why my miles did not show up. On XX/XX/XXXX the Customer Service Rep explained to me that my miles were there but were just attached to my other Barclays card. Sounded reasonable so i thanked him but when i went to the Barclays site the next day they were not there. It was just the points I had accrued using that card.
So I called again to XXXX XXXX customer service on XX/XX/XXXX and finally the rep acknowledged that the miles were not there and transferred me to someone in another department and said that my 40,000 bonus miles would be taken care of plus the miles from the purchases i had made on that card since i got it.
So after talking to the CSR who was supposed to help me she said she took care of it and now they should show up. I thanked her but told her that I should have gotten 50,000 miles per the offer the flight attendant gave on the XXXX flight from XXXX when I applied for the card. She said sorry there is nothing she can do about that, the offer is only good for 40,000 whether applied for online or on the plane.
So .... after trying to get my miles to even post for over 3 months they are finally there minus the 10,000 miles we were all promised on the plane. For what it is worth I am not the only person who filled out an application that day and i can give the XXXX ref # for that flight in case someone who filled out the application can be reached out to and asked what the verbal offer was.
Feel duped into applying for the card and had to work WAY too hard for my miles to even post. After using these miles i will be cancelling this card.
Thank you for hearing me out and feel free to reach out to me : XXXX XXXX XXXX XXXX XXXX
|
| 08/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
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Hello, This is regarding Barclay Card US This is their contact information provided on their website.
General Correspondence Card Services XXXX XXXX XXXX XXXX, DE XXXX To reach your dedicated customer service team, please call us toll-free at XXXX or tweet us XXXX XXXX Our accessibility coordinator is available to answer your questions and help with your accessibility needs. To reach the accessibility coordinator by phone, please call XXXX or email XXXX.
Problem : I had made a balance transfer request for my Barclay Card XXXX XXXX Credit Card for which I provided my bank account number and my bank, which is XXXX, to Barclay from their XXXX Credit Card that they provide to me which gives a 0 % APR till XX/XX/2023. I used this offer for {$8000.00} which I paid XXXX to avail on XX/XX/XXXX and have since given them several calls about these funds never being received by my Bank at XXXX. They have strung me along for over a month now assuring me to just wait. I had never received it and called multiple times to managers which told me they escalated it and then to further wait pending a XXXX day investigation with no other information and no halt on forcing me to make minimum payments on said amount because I had a XXXX balance previous to these transactions. Their statement is they sent it, but there is no deposit at XXXX.
Thinking it wasnt a problem and that it would just need some time, I went ahead and did another balance transfer for {$2300.00} on this same card for a fee of XXXX. All of these charges posted to the card, but none of the funds have been received! They have not been received even now.
I spoke to an XXXX who is a manager apparently in the Nevada branch who just lied to me about helping me. She said that she would adjust my minimum payment date to account for the delay or non-receipt and I have my minimum payment due on the XXXX for which I do not believe I should have to pay because I have yet to receive a dime.
She also provided me an email to send to contact and to attn XXXX. I sent three emails requesting assistance and nothing came back. This type of behavior is very shady. There is no reason they can not tell me where their transfer went!
This is some fraudulent behavior. The state and government needs to find out what is going on. I had used balance transfer checks from XXXX which deposited into my XXXX account the same week. I should not have a balance of nearly {$11000.00} on my credit card for which no funds have been sent to me and be strung along this long. Its been nearly a month and still no resolution.
I have never seen something like this. Its usually very quick to resolve issues for me, if any. Its never like this.
Please contact me and advise what I can do to combat this kind of predatory behavior.
Sincerely, XXXX XXXX
|
| 04/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
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|
I was contacted on or around XXXX about potential fraud charges on my Barclay 's XXXX XXXX. At that time, I confirmed that two charges were in fact fraud. The representative stated that they would close the account, submit a fraud claim, and send me new cards. About a week later I was looking at my account ( since I had not received my cards ) and noticed additional fraud charges that posted within a day or so of the first set of fraud charges ( the additional charges total {$680.00} ). The charges are : XX/XX/XXXX : XXXX XXXXXXXX NY {$98.00} XX/XX/XXXX : XXXX XXXX NY {$160.00} XX/XX/XXXX XXXX XXXX NY {$32.00} XX/XX/XXXX XXXX XXXX NY {$44.00} XX/XX/XXXX XXXX XXXX NY {$34.00} XX/XX/XXXX XXXX XXXX XXXX FL {$310.00} I called Barclay 's and they took another fraud report and we walked through each charge that was fraud. The agent then said that they needed to close this second account and send me new cards. I frankly did not understand why this would be, as the fraud charges just appeared to have posted late. But the representative insisted that someone must have stolen my new cards. On XX/XX/XXXX Barclay 's sent me a letter saying that the charges were confirmed as fraud ( it didn't specify which charges ). By XX/XX/XXXX I received some new cards ( the cards from the first lost / stolen report ), I had not received the cards from the newest account, and the fraud charges that total {$680.00} were still on my account, with no credit issued. After an hour on the phone their was no resolution. The initial agent could not help me, besides reading me the letter, and transferred me to another agent in fraud who said they were the wrong fraud group. That agent told me I have to call back another number ( the right fraud group ), but they were only there from XXXX XXXX - XXXX XXXX., XXXX through XXXX. He did say I should give the credits 10 - 15 days to post. Today, XXXX I called again as the charges STILL have not been removed and I STILL have not received the right new cards. It is now almost a month since I've had an account I could use and I'm being told I have to make a payment for a balance that includes the fraud charges. After being on the phone for quite a while and being put on hold about three times, I was told that the new cards must have been lost and they have to AGAIN shut down the card and send me another new set of cards. And, by the way, they don't know what's going on with the fraud claim. When processing the new cards, I was told that the system is down and I should call back in 24 - 48 hours. This is ridiculous. I should not have to jump through these hoops to get a fraud claim taken care of, I should not be held responsible for these charges, and I should not have my account effectively being unavailable for an extended timeframe without proper notice.
|
| 10/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
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On XX/XX/XXXX at XXXX, I received a text message from Barclay Visa fraud asking me to approve a charge of {$130.00} at a XXXX XXXX XXXX in XXXX XXXX CO XXXX I woke up to the text and responded " NO '' quickly at XXXX and called right away. The credit card was paid off in full back in XXXX and there was XXXX intention of ever using the card again. Also, it pays to mention there was also only one credit card issued in my name even though my husband was an authorized user. So much to my surprise, when I received a text asking if the charges were me. I was out of town with my husband and XXXX children in XXXX XXXX, CO for a performance as I'm a XXXX XXXX. I was performing for the XXXX XXXX XXXX XXXX. I filed a claim with the fraud department and they removed the charges back in XXXX. On XX/XX/XXXX, when I returned home from a trip, I received a letter from Barclays stating they have added the fraud charges back to my account and that I'm responsible for the charges. To say I was upset, is an understatement. I have faxed in proof that I was not in XXXX at the time of multiple transactions on my Barclays card. I have even filed a police report. Barclays is dragging their feet, saying I am responsible for the fraudulent charges on my account. I've been told countless times that a manager would call me, I have never received a call and that was confirmed by customer service in the fraud department, they said a couple of manager 's have reviewed my account but no calls. Many of them have been very rude on the phone with only a few helpful agents who clearly understand my and my husband 's frustration. Each time I call, which is at least once a week, I get a different story from the agents completing contradicting each other. One of the major fraud charges is over {$1000.00} at a hotel downtown XXXX, there is no reason they can't investigate that and prove that it was not me. That is one of the reasons why we filed a police report. My husband and I are having to do all the investigating because they are refusing to do their job. I think it is absolutely ridiculous that I'm going through this.. I want the fraud charges removed based off my proof that I was not in XXXX, CO at the time of these charges. This should not be difficult. I am so disappointed with Barclays, I would never do business with them again if this is how they treat their customers when fraud happens. They sent a letter on XXXX XXXX, which I received in the mail yesterday ( XX/XX/XXXX ), saying after conducting their investigation, they have determined that I'm not responsible for the charges. I called this morning ( XX/XX/XXXX ) to confirm, just to be told by the agent that the letter was a mistake and sent by accident. I am dealing with incompetent people, and this needs to be rectified like yesterday!!
|
| 03/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2019 I booked a car rental from XXXX, through their affiliated site " XXXX '' for XX/XX/19-XX/XX/19. The rental cost for the two days was {$190.00} which I paid on XX/XX/XXXX. The car I booked was a XXXX ( SUV ) that seated 7 people and was an '' intermediate '' class vehicle.
I went to the garage to pick up the car. It was heavily damaged, but there were any attendants to speak with, so I took approximately 25 photos to show the damage that was on the car prior to my departing the garage. I returned the car several hours early, again there was not an attendant in the garage, in the same condition as when I picked it up. Upon receiving my credit card bill in XXXX. XXXX was charged me {$840.00}. for a car I had already paid for on XX/XX/2019. I made many attempts through both XXXX and my credit card to get this item removed from my credit card. XXXX/XXXX make it very difficult to talk to anyone. The American XXXX representatives say they have nothing to do with overseas rentals and the XXXX people would not speak to me because I had filed a dispute with my credit card. XXXX changed their story many times as to why I owed them this money. They said I did all the damage to the car, but I had photos to show the car was damaged before I left the rental garage. Then they said I agreed to pay $ 400+/day for the car. Which is crazy, why would I agree to pay $ 400+ per day when I already had paid in full back in XXXX for less than {$200.00} for both days? Next, XXXX said I cancelled the reservation, which is not true, I did rent the car. They had other reasons, but each and every reason I had proof that I did not owe them the money. Yet, my credit card company, Barclays, decided to side with XXXX. XXXX is known for doing this type of thing to Americans. If you do a XXXX search, you will see many examples of XXXX ' fraudulent charges. Now they are charging me for a ticket in XXXX, but have not provided any proof of a ticket other than their own paper work. I did not receive a ticket in XXXX and XXXX has not provided a copy of one from the XXXX police. In their last correspondence, XXXX has gone back to saying I owe them the $ 800+ dollars for the car damage! I have attached all of the photos I took before leaving XXXX ' garage. There is no possible way that I did that much damage to one car, on all four sides in under 48 hours. In fact, I didn't do any damage to the car. They did send one photo of damage they claimed I was responsible, but it was a photo of a different car! There are so many conflicting documents from XXXX that I don't think I could download them all, but I will if you would like me to. The last attachment is the letter I sent to Barclays in XXXX. It is fairly comprehensive and provides a chronological explanation of what occurred. Thank you.
|
| 01/08/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
I was trying to book an international flight ticket using my XXXX XXXX card ( issued by Barclays Bank Delaware ) on XXXX/XXXX/XXXX ( Sunday ) in the amount of {$1100.00}. The next day ( Monday ) I was contacted by my travel agency saying that the payment did n't go through and that I needed to resolve the issue with the credit card company so they can re-process the charge on the same credit card else the booking will need to be canceled and re-booked at a much higher fare ( the fare had already gone up by over {$500.00} ).
Upon reviewing my account online, I realized that my available credit was showing only {$960.00} even though I had already scheduled a payment of my balance in full over the weekend in the amount of {$1300.00}. I called in to the customer service to request if they would grant me a temporary increase for {$300.00} ( given I 'd already scheduled to pay the existing balance in full ) so that the payment could be reprocessed. I was informed that this was not an option and that there is no way for them to apply the payment today even if I was willing to wire in the money to them same day! I asked if I could transfer some of my available credit from another Barclays card to my XXXX XXXX card but was told that that was n't possible either since I did n't have the minimum of {$1000.00} in available credit needed on that card and that they could not make any exceptions for me! I even tried to ask for a credit line increase for {$300.00} but was denied after a credit check and personally speaking with a credit department XXXX ( XXXX, Operator ID : XXXX ) even after explaining the entire situation to her!
I have several credit cards and none of them take 1-2 business days to process and apply the payment towards the available credit or at least they would have allowed me to temporarily go over the limit by {$300.00} especially given that the credit card payment was already scheduled in full!
When I asked XXXX to transfer me to the complaints department to lodge an official complaint, I was informed that the only way to do this was by mailing a letter to the Office of the President. I did find a phone number ( XXXX ) on the " Complaint policy statement '' published on the XXXX XXXX XXXX website : XXXX : XXXX? XXXX However, this appeared to be just a general customer service number with generic options without any specific option for the Complaints Department. When I finally got through to a XXXX ( XXXX, Operator ID : XXXX ), she had to dig around for a way to lodge my complaint and was unable to provide me with a case number or a written email response that my complaint had been received and would be reviewed! I still have no assurance ( other than verbal ) that my complaint was lodged, will be reviewed and that I will get a timely response back!
|
| 08/01/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
I received a call from " XXXX '' XXXX ( my computer security company ) telling me they are going out of business. He said XXXX wanted to refund my {$200.00} lifetime security payment on my MasterCard. I said fine. He asked me to wait while he refunded the {$200.00}. Then he said " Oops '', he " accidentally '' refunded {$3200.00} on my MasterCard instead of {$200.00}. He invited me to check and confirm this on my online MasterCard account which I did while we were on the phone. I saw the entry for {$3200.00}. He said they could " enter '' a charge on my card but could not " delete '' a charge or " change '' a charge on a credit card. I therefore owed them {$3000.00}. I believed him because I saw the {$3200.00} " refund '' on my online MasterCard account.
He asked me to go to my local XXXX XXXX, buy a {$3000.00} gift card, then give him the gift card number. He stayed on the line while I walked to the XXXX XXXX. I had to buy two {$1500.00} gift cards on my MasterCard because XXXX doesn't sell {$3000.00} gift cards. I read him the numbers. We hung up.
When I got home I became suspicious and called XXXX. They ARE NOT GOING OUT OF BUSINESS. THEY DID NOT CALL ME. They don't call people. They email only. It was a scam. They didn't do it and couldn't do anything to correct it. They suggested I call MasterCard. I received a call from " XXXX '' security ( my computer security company ) telling me they are going out of business. He said XXXX wanted to refund my {$200.00} lifetime security payment on my MasterCard. I said fine. He asked me to wait while he refunded the {$200.00}. Then he said " Oops '', he " accidentally '' refunded {$3200.00} on my MasterCard instead of {$200.00}. He invited me to check and confirm this on my online MasterCard account which I did while we were on the phone. I saw the entry for the {$3200.00} " credit ''. It later disappeared.
He said they could " enter '' a charge on my card but could not " delete '' a charge or " change '' a charge on a credit card. I therefore owed them {$3000.00}. I believed him because I saw the {$3200.00} " refund '' on my online MasterCard account.
He asked me to go to my local XXXX XXXX, buy a {$3000.00} gift card, then give him the gift card number. He stayed on the line while I walked to the XXXX XXXX. I had to buy two {$1500.00} gift cards on my MasterCard because XXXX doesn't sell {$3000.00} gift cards. I read him the numbers. We hung up.
When I got home I became suspicious and called XXXX. They ARE NOT GOING OUT OF BUSINESS. THEY DID NOT CALL ME. They don't call people. They email only. It was a scam. They didn't do it and couldn't do anything to correct it. They suggested I call MasterCard. MasterCard will not refund or credit the {$3000.00} back to my account because it was " Voluntary on my part ''.
|
| 04/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
In XX/XX/XXXX, after resolving fraudulent magazine charges on my account and ensuring the balance was {$0.00}, I spoke with a customer service representative and requested my account be closed. I was assured at that time the account was closed. On XX/XX/XXXX, I received a letter from Barclays dated XX/XX/XXXX, stating that my account had been closed because it was more than 90 days past due. I immediately called the company and was told there had been an {$8.00} charge placed on my account on XX/XX/XXXX, ONE MONTH AFTER I WAS TOLD THE ACCOUNT HAD BEEN CLOSED. I had not received one billing statement in the mail between XX/XX/XXXX and XX/XX/XXXX notifying me of an outstanding balance or late fees. As my credit card history shows, I paid my credit card monthly and had been in good standing with Barclaycard. When I spoke with the Barclaycard representative on the phone, I was given a case number and told they would pursue this as a dispute ( rather than a fraudulent charge ). I received a letter from Barclaycard dated XX/XX/XXXX with the case number for the dispute saying they would let me know when they had completed their review. Then I received another letter from Barclaycard dated XX/XX/XXXX stating that they were unable to obtain credit for the fraudulent charge because it was " beyond timeframes to assist. '' The day I received that letter XXXX XX/XX/XXXX XXXX, I phoned the magazine company myself about the fraudulent charge, and they agreed to remove the {$8.00} charge from my account within 3 business days. I called Barclaycard on XX/XX/XXXX to verify that the charge had been removed and was told that the original {$8.00} charge had been credited and that all interest and fees incurred as a result of that charge ( which by now totaled > {$130.00} XXXX would be removed from the account and that the account would remain closed. TWO DAYS LATER, on XX/XX/XXXX, I was quite surprised and shocked to receive an email from Barclaycard about making a payment when I had been told 2 days prior that the account had a XXXX balance and was closed. I called Barclaycard again on XX/XX/XXXX and am now being told that they will not remove the late fees and interest charged to this account since XXXX because it was greater than 3 months. I refuse to pay interest and late fees for a fraudulent {$8.00} charge that has now been removed from an account that was supposed to be closed. The delinquency charges on my account should lawfully be removed and this information should be reported to the credit bureau for the following reasons : 1 ) The charge was made after the account had been closed. 2 ) I did not receive a billing statement notifying me of these charges. 3 ) A Barclaycard representative agreed on XX/XX/XXXX to remove all charges/late fees but then failed to do so.
|
| 04/02/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Account sold or transferred to another company
|
|
Web |
|
|
XX/XX/XXXX I was on the XXXX XXXX web page and I was looking for a credit card that would not charge a fee to do a balance transfer. I put on the application that I would want {$8000.00} but I did not complete the application when I read the terms of agreement and saw that they charged a 5 % fee on balance transfers. I simply closed the web page not authorizing or requesting or agree to an account with XXXX XXXX. Barclays took it upon themselves to send XXXX XXXX XXXX {$8000.00}. I did not identify that I wanted the money to go to XXXX. XXXX acceptable the money from Barclays even though my XXXX account was balance-free and closed. XXXX then took XXXX of the XXXX and sent me a check for the balance. I never received the check. Barclays begins to email me and telephone stating I owe XXXX to them for the unapproved balance transfer. When I first spoke to a Barclays representative I asked, do I need to get the money from XXXX? I was told no, that this would be seen or processed as a fraudulent claim and therefore I was in no way responsible. I then received a letter from Barclays stating that I was in fact responsible and that I had gotten deep enough into the application whereby I was procuring their services and so I did request the money. I never received a credit card from XXXX XXXX, I never activated a credit card and I do not know this account 's number. Next I spoke to several representatives on Friday, XX/XX/XXXX where time and again they would say to me, we aren't going to go round and round with you, you have the money, pay it back. Not once did anyone listen to me that I didn't have the money, that perhaps they should be contacting XXXX to see if they had the money and that I simply could not understand how I was responsible for this faulty and misleading transaction. I was treated like a liar and a criminal when in fact I believe that it was Barclays who was subjecting me to unfair business practices and dishonest and unreasonable expectations. The matter was resolved on the phone when XXXX, a Barclays rep and XXXX, a XXXX XXXX XXXX agreed on a 3-way call that XXXX would send Barclays a check in the amount of XXXX and stop payment on the check that was sent to me by XXXX for XXXX minus the XXXX fee that they kept. All of this simply did not need to occur if the first representative I spoke with at XXXX XXXX had listened to me when I stated that I had not completed the application and my husband and I had gone to our credit union, secured a personal loan that included paying off the XXXX XXXX balance and subsequently closing that account so that I didn't feel I have any responsibility for retrieving their misplaced balance transfer. None of this was pleasant and it took up countless hours on the phone and online trying to get them to listen to me.
|
| 04/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2023, I purchased gasoline at a XXXX station in XXXX with the following address : Service Station XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, de XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX.
XXXX, XXXX XXXX, XXXX XXXX The attendant spoke limited English and I speak limited XXXX. I tried to pay by credit card, but my credit card company ( Barclays Jet Blue Mastercard ) immediately flagged it as a potentially fraudulent purchase by simultaneously sending me text and email messages and calling my cellphone. Instead of dealing with my credit card while struggling to communicate with the attendant in XXXX, I paid in cash. The total was {$540.00} pesos.
When I returned to the United States, I saw a charge for {$540.00} USD on my credit card statement ( Barclays Jet Blue Mastercard ). Unfortunately, I did not save the receipt for the cash purchase, which my credit card company is requiring for the dispute resolution process. Because I selected " paid by other means '' as the basis of my dispute, Barclays will not reach out to XXXX on my behalf to request a copy of the business records. Nor will they allow me to change the basis of the dispute to fraud so I can obtain additional assistance from their dispute resolution department.
After receiving a written letter from Barclays denying my dispute, I called to explain the situation and to request either an extension of time or to change the dispute basis. I also sent a certified letter describing the situation in detail, including copies of emails and online complaints I filed with XXXX to show my efforts, and requested they reopen my dispute. I received confirmation that the letter was delivered to Barclay 's XXXX XXXX XXXX XX/XX/2023, but they have not signed for it yet.
I have tried repeatedly to get in touch with XXXX by online complaint forms, emailing various email addresses, and mailing a letter in English and XXXX. I have received no response to any of my inquiries. I requested either a copy of the records showing a cash payment in the amount of approximately {$540.00} pesos on XX/XX/2023 or for them to reverse the charge on my credit card. I have repeatedly tried calling XXXX at the number on their website ( XXXX ), but the recording is in XXXX and I have been unsuccessful in reaching an operator.
To summarize, the problem with the charge on my credit card is two-fold : 1. I already paid the full amount of {$540.00} pesos at the gas station in XXXX.
2. The charge for the gasoline I purchased in XXXX was {$540.00} pesos, which is approximately {$40.00} U.S. dollars. The amount I am being charged on my credit card is {$540.00} U.S. dollars, which is a fraudulent amount.
Complaint Against Barclays JetBlue Mastercard and XXXX Amount of Loss {$540.00} Incident Date XXXX
|
| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I am writing to file a complaint against Barclays for providing misleading information and failing to take timely corrective action on errors in my credit reports associated with XXXX of my accounts, ending in XXXX and XXXX. These errors were not due to any fault of mine, but rather their autopayment system issue and incorrect information provided by their customer support.
In XXXX, I was alerted to the issue when I received an email notifying me of a late payment on my accounts. After checking, I could not find any late payment information in their web XXXX, so, I immediately contacted Barclays ' customer service using their secure messaging system to confirm the details and source of this notice. During two interactions, I was assured that the late payment notifications were the result of their system errors and that my accounts were in good standing.
However, despite these assurances, the delinquent marks still appear on my credit reports. Further attempts to engage with Barclay 's customer service have resulted in misleading information, leaving me without a clear resolution and causing significant distress due to the impact on my creditworthiness.
The inaction and misguidance from Barclay Card Services have not only affected my credit score but are also impeding my ability to make important financial decisions. It is particularly concerning that this situation has arisen through no fault of my own, but as a result of errors and poor customer service from the financial institution. Furthermore, their customer support does not take proactive actions to correct this issue from their end.
I am contacting the CFPB for assistance in having the incorrect delinquent marks removed from my credit reports. In addition, I would like to address the issue of misleading customer service and the failure by Barclay Card Services to rectify these errors. It is their responsibility to acknowledge these concerns arising from their incorrect information provided in their written response and to actively take steps to resolve issues that originate from their end. They should not burden the customer with time-consuming actions This issue have not only affected my credit score but are also impeding my ability to make important financial decisions. It is particularly concerning that this situation has arisen through no fault of my own but as a result of errors and poor customer service from the financial institution.
Enclosed, please find the printed XXXX communications records with Barclay Card Services via Barclays 's Secure Messaging system. Both are their responded information were incorrect. I am prepared to provide additional documentation as necessary.
I appreciate your urgent attention to this matter and look forward to a prompt and equitable resolution.
|
| 10/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case!
|
| 09/21/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I was charged {$100.00} on XX/XX/2023 without my knowledge or permission from XXXX. When I called XXXX, they said they had no knowledge of that charge and that they did not receive any payment from me for that amount. I challenged the charge with my Barclay 's Bank Banana Republic Mastercard, and received a temporary credit while they investigated.
They refused on multiple occasions to call XXXX, and said I would have to call them, receive a notice of some kind, and then fax it to them. They then sent me to another department, twice, and told me I could call XXXX with that department. Well the other department told me I needed to work exclusively with the fraud department, after two 30+ minute phone calls on two separate occasions. Barclay 's should have all of these phone calls recorded.
I was recharged that {$100.00} on XX/XX/, with a letter from the credit card company informing me that, due to my continued history with the vendor, I was responsible for the amount. I was charged another {$86.00} from XXXX on XX/XX/, but like before, I did not approve of this purchase and I am the only person with access to my card. They had to replace my card for a second time, and it remains locked while I try to figure out how my card information was compromised on XXXX 's website. I was told by an agent at Barclay 's that they would not submit my request unless I provided proof from XXXX that I did not make the purchases.
I faxed the appropriate paperwork, petition, and purchase receipts to Barclay 's. I received a letter yesterday, XX/XX/2023, that the investigation team found that I am not responsible for the {$86.00} purchase. I called today, XX/XX/2023, and the fraud investigation department told me that they just re-opened my request for the {$100.00} investigation on XX/XX/2023. They will not send me any confirmation information, or otherwise inform me of the investigation process until they approve or deny it. They keep denying this claim, despite the evidence and continued confirmation from XXXX that I did not make these purchases.
I have been calling and having meaningless conversations with this department for over two months ; they will not refund me, process the proof I have submitted, or even submit my petition to the appropriate parties from what I have been told. I am convinced they are denying this claim continuously, and I have acted in good faith for over two months to try and fix this issue with the credit card company.
When I asked who to send an advocate to speak to, the latest agent told me she didn't know what an advocate was, but that I would need to have my lawyer call them directly. I would appreciate this matter be settled, as I have spent many weeks calling both Barclay 's Mastercard and XXXX, with the former offering no help.
|
| 04/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX my wife received a call from Barclays - XXXX XXXX XXXX Credit Card - security department alerting us of some possible fraudulent activity. Three charges for {$410.00} each were made within minutes of each other to XXXX in XXXX, NC. The charges were being made as we were on the phone with the security folks. I told them that we were not making the charges. We were on the phone for XXXX hours and finally they reversed the charges. They cancelled that credit card and sent us a new card. In XX/XX/XXXX, out of the blue, Barclays added those charges back to our account. I called the security department phone number and was told that they had decided that the charges were not fraudulent and that we owed the money. They said that we were physically in XXXX ( XXXX hours away from our home ) and made the charges. Then they asked me to provide proof that we werent in XXXX in XXXX. I submitted an affidavit to the fax number Barclays provided. Several days later, I tried to call to check on the affidavit and spoke to someone who basically said that we needed to prove that we didnt make the payments. I told them that I had sent an affidavit to the fax number the security department gave me and the person stated that her manager would call me. No one called me back. A week later I called again. I was given the same statement - that I needed to prove I was not there. My wife decided to go online and dispute the charges ( again ). Barclays removed the charges again. We received a letter stating that they would investigate the charges. Over the next several weeks, I tried to call several times and received the same statement each time. Finally, we received a letter stating that they had determined that the charges were fraudulent and we are not responsible for the charges. Barclays removed one of the charges, but added the other two back to our account. Tonight ( XX/XX/XXXX ), I AGAIN called security about the charges and was were told again ( for the billionth time ) that we have to prove that we didnt make the charges. I have asked to speak to someone about the investigation and to see the results of their investigation at least 5 times and have not received a response. Weve asked to speak to management every time weve called and were told they would call us within the next business day and have never received a call back. We did not make the charges they are saying we did. In fact, the only charges we have ever made on this card have been to XXXX XXXX XXXX. I want to just state that Barclays is the worst credit card company we have ever dealt with. In fact, their total lack of response to obviously fraudulent activity is maddening. Not only are they horrible, it makes me never want to go on a XXXX XXXX if they are working with this very crooked company!
|
| 08/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
On Wednesday, XX/XX/2023, I was referred to a JetBlue Plus card by friends and family. I logged on to the Barclays website and applied for the sign up bonus points at the time along with reading the terms and conditions below.
At the time of sign up, I was directed to key in the last XXXX of my social and my mobile phone number.
I then received a link in which I applied to. Prior to doing so I read the terms and conditions which again are outlined below.
Moments later I received a email stating that I was approved for a generous credit limit. Once I had an opportunity. I began to read over the information to see the time frame of when the Annual fee needed to be paid, as I thought paying upfront meant once I was approved. I immediately noticed that I would only receive XXXX points and not the XXXX bonus points rewards, Interest rates 21.24 %, 25.24 % based on credit worthiness. that caught my attention, also being the main objective for applying for the JetBlue Plus Card. Additionally, the rates differed.
The promotion described is the sole reason for why I would interrupt my credit score. Frantically, I reached out to customer services and was told that my account was to new to see any information regarding bonus point etc. I was told to call the credit department the following day, in which I did subsequently.
On XX/XX/2023 I call in to customer service and spoke with a XXXX who who offer me an additional XXXX bonus point. I explained the situation a second time before requesting to have the matter escalated.
A few hours later, I received a call from a XXXX XXXX Who was condescending passive aggressive and offensive. His lack of transparency and empathy created an unpleasant experience.
On XX/XX/XXXX, around XXXX pm I received a call from the XXXX XXXX by way of security from a woman by the name of XXXX. I conveyed my concerns both verbally and written form via email. Also providing screenshots of the promotion and transaction and correspondence received. I was advised that she would look into the matter further, listen to calls with the representatives and get back to me. On Monday, XX/XX/2023, I received a call from XXXX indicating she had concluded her investigation and she was unable to extend the promotion because the investigation determined that I received the promotion for which I received. She also apologized for the customer service I received, after having listening to the call. She stated she could offer me XXXX points, but refused to extend the offer or cancel the card and has left me reluctant to have inquired about this partnership.
The interaction with the managers along with the deceptive business practice has left me reluctant to maintain this partnership.
I am respectfully requesting the following amicable resolution.
|
| 09/15/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Ive contacted Barclays on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX trying to pay off a supposed debt on my credit report. They told me the account was charged off to XXXX XXXX XXXX, however, when I call them they tell me the account was recalled by Barclays last year at or around XX/XX/XXXX. When I call I call Barclays they dont seem to find my account. Ive been put through processes where Ive had to wait for 7-10 business days to find my account. I called the second time and they said no one had updated the previous request and that she would put in a second request for their back office find my account, and now I have to wait another 7-10 business days. I call back today, the account manager manages to send me to the correct department, I felt like I finally had gotten somewhere - that Barclays wasnt a scam-type of company. I tried to take the settlement offer their collection department tried to draft for me. I asked for pay and delete and for a lower amount, and was denied the request after she stated the settlement offer was generated automatically based on the amount owed, and that she couldnt make any exceptions. I was okay with this as is expected with a lot of creditors. Then the funny business started. She asked me if I wanted to spread the amount over a few months, to which I replied no that I was going to make the payment in full over the phone. She sounded disappointed and told me she would not take my payment over the phone, that I had to mail it in? I tried telling her that was not possible for me. She said that because my account was charged-off that she couldnt take a payment on it. I dont understand whats going on here, I dont like it, payments can get lost in the mail and it also delays the time in which the collection is reported pay in full ( extra days for mail delivery, extra days to post the payment, then process the actual change on the account ). She stated this was the ONLY way that I could make a payment, and asked me how I wanted to proceed? Excuse me? Im trying to pay you a debt that you received a tax break on a few years back, and now you dont want to take my money? Are they trying to divert funds into other accounts on the back end? I dont get it, she refused to help me or provide me a resolution, told me she would update the account with my comments, and hung up. I can not believe that in XXXX a CREDITOR BEING BARCLAYS US CARD COMPANY can not take a payment from me via a credit card. Even Collection Agencies take credit card payments. Extremely frustrating as a young person trying to get a mortgage. I understand the ramifications of not paying a debt, but companies should give customers a break, especially during THE COVID-19 pandemic, and to someone who was laid off and still trying to meet their financial obligations,
|
| 11/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
In XXXX I received a letter dated XX/XX/2022 that Barclay XXXX XXXX had closed my account for being more than 90 days past due.
I logged in to my account on XX/XX/2022 and reviewed the account.
I owed {$5.00} in XXXX after paying off the balance- this was an interest charge because of the date that I paid.
I did not realize that this charge had occurred.
I received NO paper statements or emailed statements.
I also received NO phone call since XXXX about this past due.
Over the next months I received incremental late charges totaling just under {$100.00} when I logged in yesterday and paid the total amount.
I called the XXXX yesterday and they were closed ( Sunday ).
I called today and spoke to an agent who told me the following : 1. I should be receiving emailed statements- I confirmed my email address - this is strange because I have another Barclays cc and receive statements no problem ; I searched my email for every combination of possible email that I can think of and nothing is there - in fact, the last email I have about my account is from XX/XX/2022 from XXXX, the company that used to have the XXXX XXXX accounts before they switched to Barclays.
2. I am not receiving paper statements 3. There was a cease and desist on my account so they could not call me - I do not remember telling anyone to not call me, so this is strange. I have never requested any credit card not to call me. I asked that that be removed which the representative said that she did.
I asked the following questions, and the representative could not answer me : 1. Is my account going to remain closed 2. Was an adverse action reported to the credit bureaus- she said that they report past due payments after 30 days but could not tell me if a report had been made on my account 3. What email are my statements coming from - meaning what email does XXXX XXXX Barclay use to send electronic statements- this way I can search my email to see if I missed the statements- she could not answer that 4. How did I end up on a cease and desist list so that they couldn't call me - I do not remember speaking to anyone in the past and certainly do not recall telling them to never call me again.
I asked to speak to a supervisor - after holding I was told that none was available but that they would call me back today. I asked that the cease and desist be removed so that the supervisor could call me.
I am mostly concerned about negative reporting to the credit bureau for this very small amount of money - it seems unreal that this would happen for less than {$100.00}.
I have no email of statements because I didn't receive any - all I have are statements which they have access to. And the letter that they sent me dated XX/XX/2022. I am happy to provide anything that would be helpful.
|
| 06/20/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
XXXX XXXX, Office of the President of Barclays provided a response on XX/XX/XXXX that my XXXX Business Card has been resolved, I have also received a verbal phone call from Mr. XXXX saying the " Review '' for XXXX card has been resolved. I have not attempted to use the card until today XX/XX/XXXX and it continued to decline. I called XXXX XXXX Customer service at XXXX at XXXX XXXX and spoke with a rep who then transferred me to another rep in " Business Review Department '' at XXXX but transferred me to that number and despite explaining my letter and them selectively approving my XXXX XXXX Business Mastercard, they said, " Review team still has your XXXX Business Card under review. There is no time-frame when they will call you, expect a call from them. '' Despite explaining my other Barclays account ( XXXX ) was removed of the hold and able to use card, they said XXXX is still under review. XXXX XXXX responded in the previous attachment that " we were able to remove the security holds on both accounts. '' Clearly one of the accounts still has a security hold. I have faxed over my Social Security Card, California Driver 's License, and my XXXX Federal and State tax return to Barclays Review Team on XX/XX/XXXX at Date : XX/XX/XXXX XXXX XXXX PDT Receiver Name : Barclays Review Team Receiver Fax # : XXXX Subject : Review Team Page Count : 74 ( including cover page ) There has not been 1 attempt of phone call from the Review Team at this time, I didn't expect a call as I did receive this official letter and a direct phone call from XXXX XXXX saying both my accounts hold are removed. I would like a follow-up and expedition as it has taken quite some time and it is HIGHLY inconvenient every time I call it will take over 45 minutes of my time deferred to another rep that holds no accountability and says conflicting reports. I have left a voicemail to Mr. XXXX XXXX ext XXXX on XX/XX/XXXX at XXXX and his office should be open until XXXX but nobody answered at this time. Mr. XXXX, may I request a resolve for this situation? I thought this was already cleared and I do appreciate your professionalism and follow-up calls but if you verbally and indicate on paper that both accounts are cleared, it should be cleared. I should not spend any more time on this yet I have already spent a total of 2.5 hours already! I ended work early to enjoy my extra 4 hours off but spent most of it on this matter! I am sorry for the frustration but I am so upset about this. It's already been about 1 month since the XXXX XXXX XXXX has been opened and I am unable to use it despite sending in personal and quite dangerous security documents to you nearing 3 weeks. Please help I am tired of calling customer service reps that provide false reassurances and no follow-ups.e )
|
| 08/24/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
|
|
I opened a credit card with Barclays Bank through XXXX on XX/XX/2021. On this date, there was a promotional offer, if approved for the credit card, which I was approved for and have attached confirmation of. This promotional offer was to receive {$150.00} statement credit if used within the first 30 days of OPENING the account ( XXXX ).
On the date of XX/XX/XXXX when I was approved for the credit card, I was attempting to purchase flights tickets that I desperately needed to purchase on this date. After approval process, the website took me right back to XXXX and 'automatically ' entered the credit card numbers into the checkout tab without allowing any edit. I attempted to purchase and the website notated that the security pin was incorrect. I did not understand how the security code was incorrect when the website automatically entered the numbers for me and would not let me edit. I then called their customer service line for the representatives to tell me it must have been a glitch in the system and that they would expedite the card to me for no charge. They stated the transit time for an expedited card would be 2-3 business days. The following Wednesday, XX/XX/XXXX, the card still had not showed. I called in to their customer support line again to confirm if the card had been sent via expedite or if there was an issue that occurred. I was told the card was never actually expedited and that it was on ground service. The representative proceeded to tell me she would cancel the previously sent card and issue an immediate expedite replacement. 2 weeks later XXXX XX/XX/XXXX ), there was still no card that I received. I called in once more to their support phone line and was told they were unsure as to why the card was not received but confirmed it was sent via expedite and I should have received by this time. She confirmed she expedited another card to me. A few days later, XXXX XX/XX/XXXX ), I still never received the credit card. I called in again on this date for the representative to tell me the card was never even sent to my location. It was at this point I asked the representative to speak with a manager because I was so unhappy with the service and inconveniences for about a month. He placed me on hold and then hung up on me. I called back for another representative to do the same when asking for a manager. Then a couple days later, either the XXXX or XXXX, same date the promotional offer would expire, I tried calling the XXXX branch of this branch in hopes of receiving some assistance with the issue. They stated they had no visibility into the US team 's business and I would have to call them back. I tried to call the US team another time on this same day, and after explaining then requesting for a manager, was hung up on again.
|
| 12/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
I logged in to pay my monthly bill to my Barclays View card ... which I rarely use. I was taken back by the large Balance of over 12 thousand dollars. There were 4 total transactions.
1. Balance transfer to XXXX XXXX for {$7400.00} ( Wednesday, XX/XX/ ) 2. Balance transfer to XXXX XXXX for {$4400.00} ( Thursday, XX/XX/ XXXX XXXX ) 3. Balance Transfer Fee {$220.00} ( Thursday, XX/XX/XXXX ) 4. Balance Transfer Fee {$220.00} ( Thursday, XX/XX/ ) I immediately called to report the fraud. They assured me it would come off my account and they would investigate. The fraud did not come off the card... I had to keep calling. The 3rd or 4th time I called ( but this time with some assertion ) they finally removed the charges and apologized for their new system that was having problems and the complaint didn't go through. I asked if they could provide me with a name or any information of who this transfer went through to. They could provide me with nothing and said their fraud department would handle it.
To note : I never received any emails about a balance transfer. I never received any physical mail about any balance transfers. I've done balance transfers in the past and I always receive some information. These charges just randomly appeared on my account out of nowhere and there is no documentation to be found about it.
Fast forward to today ( XXXX ) : I got a letter that concluded that " the activity was valid based on my credit report where the balance transfer was sent. '' So, they reinstated the giant balance and transfer fees.
I called today as well ( XX/XX/XXXX ) : I stated my issues with these findings and demanded more information. I demanded they let me know the name of the person who received my money. They could not provide that ... All they can provide is the last 4 digits of the credit card to whom received my money via balance transfer. The card digits do not match any of my cards or my wife 's. I even went into my credit report to make sure my identity wasn't stolen, and someone didn't open a card in my name with those last 4 digits.
There was almost no information they could provide me with. I find this infuriating considering if they claim I set up this balance transfer, they should be able to provide me with all the information that I would have had to supply them with to make the balance transfer possible ... including the name of the person that received the balance transfer or proof of mail that was sent out to inform me that a transfer even took place.
The only step the fraud dept representative could take was to start a " reassertion case, '' because I refused to accept the findings. He also informed me that I need to send a formal letter to the fraud dept with any information I can provide to help my case.
|
| 05/01/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
To Whom it May Concern, I am writing in regard to my original complaint, XX/XX/XXXX. In my original complaint, I communicated that I was told my transfer did not occur. I asked for the recording to be reviewed, because I was told time and again the transfer showed it did not happen, and that all of the fees should be returned to me. I waited for this to be corrected. I was assured by the management team on the phone that they were working to achieve this. So I waited. As interest accrued on my account, I was concerned ; which I communicated on every call. Now, because I was told this was going to be corrected, {$3800.00} worth of fees, and interest were assigned to my account I asked that the calls be pulled, and listened to, in an effort to have the facts confirmed, as this was a conversation in each call. In the letter dated XX/XX/XXXX from the office of the president, it states my call could not be substantiated. Moreover you will find a letter for a bank transfer we completed on XX/XX/XXXX for a completely separate 0 % transfer, from Barclays. I never received a letter like this for the transfer I am disputing.
I had to go through the action of closing my account, just so I could capture confirmation that every call is recorded. You will read ( and hear ) in the call I recorded that there are notes stating I was told this was an error.
Not only is Barclays withholding the interest in the amount of {$3800.00} ; they held a {$34000.00} over payment from my company for 7 weeks. They would not allow me to utilize the credit, nor did they return the finds in a timely manner. I had to call every week for seven weeks to receive my money back. During each call, I was told a different story. This is scribed, and included in the audio I am attaching.
I have scribed the conversations supporting my claim, along with the recorded conversation.
In fact, there was a supervisor I named in my original report, XXXX who confirmed on XX/XX/XXXX I would receive my money back. You will hear XXXX on the recorded audio stating every single call is recorded. This would include hers on XX/XX/XXXX.
I continued using my Barclays business credit card, and as I charged, I would pay the balance I charge in full. The interest accrued is all from the transfer that I was told should not have happened.
There have been several news stories, where banking facilities have taken advantage of consumers. I would like to have my interest back. I should never have had to pay it. The bank should have, after listening to all of my calls ; simply refunded this.
I own a small business, and am completely shocked that a large banking facility would work so hard to undermine a consumer by misleading them, so they can capture interest.
Respectfully, XXXX XXXX XXXX
|
| 08/31/2015 |
Yes |
|
|
|
Web |
|
|
I had XXXX " miles '' on my XXXX card issued by Barclays Bank , also known as Barclaycard , when they suddenly closed my account without notice and for no apparent reason. ( See Exhibit A ) When I called to inquire, the rep could n't figure out why, but said there is nothing he can do about it.
It seems like a deceptive business practice to tell me I can earn and redeem " miles '' then just close my account out of the blue without compensating me for the value of the rewards that I earned.
What Barclays Bank calls " miles '' are rewards redeemable at a rate of XXXX cent each for travel expenses charged to the card, with 10 % of them being returned to the " miles '' balance. As you can see from Exhibit B, their website promises : " Redeem your miles for travel statement credits, and earn 10 % miles back to use toward your next redemption. " Thus, the value of XXXX " miles '' would be {$1200.00}, with 10 % of the miles ( XXXX ) being returned to my account after redemption, which I could then use for another redemption of {$120.00}, making the total value after just XXXX redemptions {$1400.00}.
It seems deceptive that Barclays Bank would encourage customers to earn these " miles '' and then close an account without notice or reasonable cause.
I have been an excellent customer. My FICO score has ranged between XXXX and XXXX over the past year, according to Barclaycard itself.
I have never made a late payment, nor had a bounced payment. In fact, I generally have paid early ; Barclays Bank sends out emails, starting off " Why wait? Make a payment now '' encouraging early payments before the due date.
Not only have I used this card for a significant amount of my spending, but I 've also responded to their promotional enticements. For example, Barclays Bank encourages the purchase of gift cards, such as by offering XXXX ( XXXX extra points per dollar spent ) by buying XXXX XXXX XXXX XXXX through their Barclays RewardsBoost online shopping portal. ( See Exhibit C ) I have done that.
I 've been deliberately trying to earn " miles '', and as shown in Exhibit D, Barclays Bank claims repeatedly that there is " no limit ''.
It is deceptive for this bank to entice people like me to use this card, accumulate a significant amount of rewards, then pull the rug out from under me.
Their website touts " 300 years of experience has taught us a thing or XXXX about financial services. '' It seems like whenever Barclays Bank is in the news, it 's for some sort of deceptive practices or fraud - apparently they think have become very proficient in that sort of thing.
I will consider this matter satisfactorily settled if my account is credited for {$1400.00}, the minimum amount that my earned miles are worth if redeemed for travel statement credits.
|
| 03/23/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I am asking for the Consumer Financial Protection Bureau 's assistance in a matter of great concern.
I was the victim of a purse snatching on Saturday, XX/XX/2020. I immediately reported the theft of my purse and wallet to the XXXX XXXX Metropolitan Police Department ( XXXX ). Detective XXXX was assigned to investigate the Larceny from Person offense.
My XXXX XXXX Business Mastercard, issued by Barclays Bank Delaware, was among my credit cards that were stolen. A few fraudulent purchases were made on that card on XX/XX/20, including one on XXXX. The fraud department at XXXX advised me that they needed my full 16-digit credit card number to track down the order. Only the last four digits of my credit card number ( XXXX ) are listed on my monthly Barclay Business Card statement, so I contacted the fraud department at Barclays for my full credit card number. I was told that for security reasons, Barclays could not release the credit card number to me. My husband, XXXX XXXX, who is the primary cardholder on the business account, was also told that the information could not be given to him for security reasons. I was instructed to have Detective XXXX fax over a copy of his badge on XXXX letterhead, and the Barclaycard fraud department would release my 16-digit credit card number to him. Detective XXXX faxed over the information on XX/XX/20, as requested. When he did not receive my credit card information, he faxed a second request on XX/XX/20. I confirmed receipt of Detective XXXX XXXX fax with the Barclaycard fraud department on XX/XX/XXXX. As of today, XX/XX/20, Detective XXXX still has not received my credit card number! I have followed up several times with Barclays over the past few weeks, each time confirming with the representative that my phone conversation was being recorded. I spoke with the Barclaycard fraud department again this morning, and once again, I am being told that Detective XXXX XXXX request is still being reviewed by their investigations team!
I am outraged that Barclays has impeded the XXXX XXXX felony investigation! Detective XXXX is concerned that video of the suspect or anything else that may help him in his investigation may no longer be available at the locations ( XXXX XXXX, XXXX, XXXX ) where my business credit card was used.
I am now asking for the Consumer Financial Protection Bureau 's assistance in obtaining my 16-digit XXXX XXXX Business Mastercard credit card number from Barclays Bank. No consumer should ever have to go to such lengths to get their full credit card number from a financial institution! Furthermore, Barclays Bank should never be permitted to impede a felony investigation!
I greatly appreciate the Consumer Financial Protection Bureau 's assistance in resolving this matter.
|
| 01/04/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I am currently in a major dispute for fraudulent charges between XXXX with Barclays Bank regarding my JetBlue XXXX XXXX.
Despite a detailed discussion with a representative on XX/XX/XXXX ( when the fraudulent activity was first brought to my attention ) and assurances in line with Barclays ' {$0.00} Fraud Liability protection, I was dismayed to find all of these charges were taken off and then re-added to my account, totaling {$1800.00}.
Barclays ' commitment, as stated on their website, assures customers that they are not responsible for unauthorized purchases reported to you, regardless of the card 's status. This assurance is a cornerstone of my trust in their services, and its breach is a matter of grave concern.
I would like to highlight the following critical points for your immediate action : Questionable Investigation : I was informed that these transactions are being challenged because someone physically used my card 's chip. However, this does not align with the presence of the dozen or so XXXX charges on my statement, which are purely electronic. This inconsistency raises serious doubts about the thoroughness of their investigation, suggesting a lack of due diligence.
Location Discrepancy : I work in XXXX XXXXXXXX XXXX six days a week, making it impossible for me to be in the XXXX making purchases at XXXX or any food places during the period of these fraudulent transactions. If anybody looked at my previous statements they would see I never have been in the XXXX and use my card sparingly. Barclays should have picked up on these fraudulent transactions sooner then a 10 day period. There are charges from XXXX of {$500.00} and {$200.00}. Why would I do that? I didn't!!!!
Authorized Transactions : The XXXX XXXX charge on XX/XX/XXXX ( {$9.00} ) and the XXXX XXXX on XX/XX/XXXX ( {$4.00} ) were the only transactions made by me.
Disputed Amount : The remaining balance of {$1800.00} represents fraudulent activity, and under their zero liability policy, I should not be held responsible.
Additional Evidence : I have already sent in my XXXX Account statements, and work schedule to corroborate that I couldn't of been in the XXXX during any of these purchases.
Post-Compromise Charges : All purchases after receiving the new card on XX/XX/XXXX are legitimate and fully paid.
The current situation not only contradicts Barclays ' stated policy but also reflects poorly on the rigor of the investigation into these fraudulent charges. I have spent atleast 5 hours on the phone disputing these transactions. I urge them to re-examine the evidence, considering my regular work location and the nature of the charges ( physical vs. electronic ), to correct this error.
Thank you for your prompt attention to this urgent matter.
|
| 09/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
I have applied for the XXXX XXXX XXXX Master card in XX/XX/2021. I was approved and an account was established, however, I never received my physical card. Upon a few inquiries, I learned that additional information regarding identity verification would be required. I happily obliged and mailed in a copy of the front and back of my NJ driver 's license as well as a copy of my tax returns which show my social security number ( in place of a copy of an actual social security card ). I verified these two pieces of evidence would be acceptable before mailing. Fast forwarding several weeks, I kicked-off a series of inquiries and was told that no information was received. I then decided to fax the information using XXXX ( service which thankfully keeps records of time/date and successful delivery status as well as takes pictures of what was transmitted ). I faxed the information on XXXX XXXXGMT ( receiving machine fax ID : XXXX ) and waited a few days before engaging in subsequent follow-up. In my continued follow-up, I was told that no information could be located and then after multiple phone calls, the feedback provided was that not all information has been received ( despite having/offering evidence to the contrary ). I was then asked to resend the information via fax ( mail and fax are the only two allowed methods of transmission and I offered email as well as XXXX as alternatives to helping the company solve their document management process challenges ) which I did on XXXX XXXX-GMT. I then restarted my inquiries with the final one being today where after 2 hours on the phone with a representative and their team lead, they were still not able to locate the documents despite evidence of successful transmission. Hence, I am currently without my card for about a month and a half and the promotion/incentive to have set it up ( linked to spending an X amount in the first 3 months ) is in question. Forgetting for a second the tens of hours spent on the phone as well as the incentive which I will not be able to take advantage of due to the company 's delays, I have significant concerns about the privacy of my data since the company can not seem to find any of the documentation I mailed AND faxed ( twice ). Last but not least, the company stated that they received a copy of my social security card, which is puzzling ( as explained to every representative I spoke with to date ) because I have never sent this information in. There is a clear need for an investigation as to the data integrity and privacy controls at the company based on the inaccuracy of notes taken during my conversations, but more importantly based on the loss of my private information/data. This is not only a violation of privacy laws but goes against all GDPR principles.
|
| 03/17/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
I received a XXXX XXXX XXXX in XXXX, 2018. Apparently, there are XXXX versions of the card. XXXX version is {$69.00} membership per year and a welcome bonus of XXXX XXXX miles after a {$500.00} spend. The other version is a no charge fee per year and XXXX XXXX miles after the first spend. I applied for the {$69.00} membership fee version. Apparently at the end of the confusing application process, the card that I thought I has applied for turned out to be the wrong card - which was the no charge fee with a XXXX XXXX mile bonus. After spending {$500.00}, I called XXXX XXXX to check on the missing miles. They told me that I was only eligible for the XXXX miles since I have the no charge version. I told them about the confusing application process and asked to speak with a supervisor. I spoke with XXXX who agreed that the application process was confusing and it was easy to be misled. XXXX options were offered. XXXX option was to close the card that I had and wait 3 months to apply for the {$69.00} version with the higher welcome bonus or apply for the {$69.00} version and expect a rejection. After XXXX spoke with XXXX in the credit department, she recommended that I apply for the {$69.00} version of the card but expect a rejection since only XXXX version of the card could be offered. XXXX indicated XXXX agreed to waive the XXXX card requirement but I would need to call the XXXX department after the rejection. I called the credit department at XXXX and spoke with several representatives who even after reading the notes reserved XXXX 's decision to allow the second {$69.00} per year version of the card. In essence, I was told to apply for a second credit card knowing that I would be denied but an exception would be offered and I would receive the right card. Both XXXX ( ID number upon request ) and XXXX ( ID number upon request ) read all the notes but indicated that XXXX and XXXX were wrong and that I would not be able to receive the card. XXXX stated that she would need to train the individuals who gave me the wrong information. In addition, XXXX stated that I was also given wrong information about the 3 month waiting period. XXXX stated that a new card can only be applied for after waiting 24 months, I believe that I should have receive the {$69.00} version of the card which will be eligible for the XXXX XXXX points because : 1. The confusing application process - which was admitted by XXXX 's own representative 2. I was told to apply for the {$69.00} version of the XXXX XXXX and after calling the credit department I would be approved. 3. All the notes on the conversations were detailed but misinformation was relayed to me. 4. While I appreciate that mistakes were made, my case should not be a training exercise for XXXX XXXX XXXX.
|
| 01/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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In XXXX of XXXX, I had entered a repayment agreement from a judgement filed against me for a charged off Barclays XXXX credit card with the first payment due XX/XX/XXXX. I had made the first payments under this agreement at the agreed upon amount. In XXXX, I had started the process of purchasing a home. At the direction of my lender, I had tried contacting the attorney 's office handling the debt as well as the original creditor to see if I was able to make a lumpsum payment and/or if they are able to assist with anything additional if I pay the remaining balance off in one payment. I had never received a response from the attorney or the creditor. I had sent in the final payment that covered the remaining balance due under the agreement which was deducted from my bank account on XX/XX/XXXX. When Barclays reported the account update on XX/XX/XXXX, it had indicated the last payment made as well as a remaining balance of {$680.00}. I had been informed by my lender that this isn't uncommon and that typically the balance will zero out the month following the final payment made. My lender stated they he believes that since a third party was involved in the payment process ( payments sent to the attorney 's office made payable to Barclay 's ) there might be a lag in when Barclays receives the payment info and to ensure no returned payments before zeroing out the account. That didn't happen. XX/XX/XXXX, same balance and last payment were being reported. At this point, I had tried calling countless times to the attorneys officer and my calls were completely avoided ; no calls taken and no returned calls from voicemails left. I also tried contacting Barclays directly who in turn refused to assist me since the account was assigned with an attorney. Even after informing them that nobody has returned any of my calls and that I've completed my end of the agreement. These calls took place through XXXX, again after no changes to my credit via my XXXX update. I am getting closer to the close date and my lender needed to update final credit. As of today, the last update from Barclays to the bureaus still show the same balance and last payment made. I've included my credit reporting from them for the past 10 months. I've also included a copy of the settlement agreement, proof of each payment and the satisfaction of judgement. The final page of this attachment, which was agreed upon in XXXX and has all parties signature initially stated deemed as original XX/XX/XXXX which was crossed out and changed to XX/XX/XXXX. Additionally in the upper righthand corner of the consent judgement, there was an XX/XX/XXXX e-file date with a line through it followed by a XX/XX/XXXX date. Furthermore, the satisfaction of judgement wasn't signed until XX/XX/XXXX.
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| 05/03/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I had a credit card with Barclays Bank, it was opened in XXXX of XXXX. The account has been delinquent since XXXX. I had attempted to call multiple times within the past couple of years in an attempt to settle this account. During the times I was able to get in touch with a representative, I was either told I would be given a call back about a settlement ( which I never did ), or they said that they no longer had my account ( this is what I was told when I called in XXXX of XXXX, which was also not true ). In XXXX of XXXX, I contacted Barclays again in an attempt to reach a settlement, once again, because my boyfriend and I were pre-approved for a mortgage loan, and our lender said that I needed to settle the account in order to be fully approved for the mortgage loan. Barclays agreed that, out of the total that I owed them ( {$2200.00} ), I could settle with them by paying {$990.00}. I was to make three payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I had to send payment in form of a check to an address they gave me. All three payments were sent in, and all three checks were processed by their bank. On XX/XX/XXXX, I noticed that I hadn't received any letter stating that the account was officially settled, nor did I see an update on my credit report. I called Barclays that same day, and a customer service representative told me that they never received my XXXX payment, and so my account is still charged off. I told this representative that this is not accurate, that the check was cashed and endorsed by Barclays. The representative asked if I was okay with him calling my bank ( XXXX XXXX XXXX ) on 3-way so they could confirm that I did, in fact, submit payment. A customer service agent with XXXX XXXX XXXX confirmed that all three checks were processed, cleared, and endorsed by Barclays Bank. After this was confirmed, the customer service representative was still saying that they could not confirm that I had made this payment. He then transferred me to a supervisor who tried to search for the payment and could not find it. At this point, she said they would open a case in an attempt to locate the payment. She said it would take 25 days to complete this request. Then, when I called back a few weeks later, I was then told it would take 45 days to investigate. I am supposed to have my credit ran again by my lender in XXXX in order to get full approval for my mortgage and to close on my home. I can not understand how all of the checks cleared on my end, and were endorsed and made payable to Barclays Bank, and they received my first two payments, but somehow did not receive the third payment. I have also sent them copies of the checks that were mailed to them, including their endorsement on the back side of each check.
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| 11/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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Email sent XX/XX/XXXX : I am having a recurring problem when trying to add an employee card to my AAdvantage Aviator Business Barclays account. I get an error message : " Employee not added. The information you have entered is incorrect. '' After spending two hours on the phone and speaking with eight employees over the past two weeks, I still can not add my employee.
I don't understand why the information I enter is incorrect about one of my employees? Also, why has no one been able to resolve this issue?
XX/XX/XXXX Spoke with XXXX Supervisor opened XXXX # XXXX was told she would follow up with me however yet to hear from her. Spoke with XXXX Supervisor opened Case # XXXX regarding Employee Card Point Extension, was told would follow up however yet to hear from her.
XX/XX/XXXX, and XX/XX/XXXX Received calls from XXXX from Barclays Office of the President was provided a callback phone number, however when calling it goes to a general voicemail and I have left several voicemails. One voicemail in particular detailed a good time window and phone number to call me at, however yet to speak with XXXX. XXXX stated in her first voicemail on XX/XX/XXXX she would follow up with an email, yet never received one. On XX/XX/XXXX received an electronic letter from XXXX stating to call her to manually add an employee card, as technical difficulties still exist for me or regular credit card representatives or supervisors to add one. However, once again when trying to reach her it goes to a general voicemail. I sent a comment to her electronic letter and have yet to hear back.
XX/XX/XXXX Comment sent to her electronic letter : XXXX, I have attempted to contact you several times via phone and each time it goes to a general voicemail. In your initial phone call, you mentioned you would be sending me an email which I never received. I hope you can assist in adding my employee and providing a refund of my annual membership fee, and providing non-monetary relief in compensating points given the exasperating experience I have incurred. I have included the employee information below to manually add the employee card. Also after speaking with several representatives they assured me that as it has passed 30 days to add the employee card due to failure to be able to do myself or any representative I would still be able to receive the sign-on offer.
XXXX and prior representatives have failed to follow up on Case # XXXX regarding Employee Card Point Extension or Case # XXXX.
I have made every attempt to contact Barclays, by phone, email, and voicemail, yet no one is able to assist or provide an update on the cases. Further, I am not able to reach XXXX Office of President associate who states she is the only person who can help.
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| 04/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Barclays XXXX XXXX XXXX XXXX XXXX XXXX XXXX of money being moved in and out of my XXXX account, reported by me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
My reports were ignored, minimized and were reported by the account managers as part of their incentive program.
On XX/XX/XXXX four separate unidentified payments seen as purchases were charged to my account. This happened 5 days after my accounts auto payment, these funds took my account over its allowable limit. They automatically reported a delinquent payment and overage of credit limit, this in turn dropped my credit score by XXXX points. The reduction of credit score, overage and delinquency triggered my oldest credit account of 27 years to lower my credit limit by XXXX which again lowered my credit score. Ive spent hours and hours on the phone trying to remedy their accounting mistakes, they don't have any clue where the money has come from nor why its moved in and out of my account, they have no resolution to destroying my credit and limiting my buying XXXX ( Im a small business owner and use my credit to float my company ) On XX/XX/XXXX XXXX Unauthorized Credit was credited to my account I called and informed account manager of discrepancy informed it was not incorrect, asked for any future unauthorized credits to be flagged and that I be contacted.
On XX/XX/XXXX XXXX Unauthorized Credit was credited to my account I called and informed account manager of discrepancy informed it was not to be worried about sir it is only our reward program. I asked that no unauthorized action be taken on my account.
On XX/XX/XXXX XXXX Unauthorized Credit was credited to my account I again called and informed account manager of the discrepancy and asked for a letter stating the reason the money was being credited.
On XX/XX/XXXX XXXX Unauthorized Credit was credited to my account I was unable to call On XX/XX/XXXX My account was debited the minimum payment of XXXX and was reported as current with the next required payment due XX/XX/XXXX. By XX/XX/XXXX XXXX of unauthorized transactions were placed on the account it was reported as delinquent and over my limit of XXXX.
XXXX XXXX I received separate letters stating approximately XXXX dollars had been charged to my account of which the numbers again didnt match.
As of XX/XX/XXXX unauthorized amounts are still going in and out of my account. I have frozen the account and pulled all modes of payment until they are forced to acknowledge and rectify.
I am exhausted and disillusioned after countless hours on the phone dedicated to resolving this with the Barclays staff and account managers, and have hit a limit of their ability or willingness to do anything. I beg for your guidance or assistance.
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| 10/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX my employee XXXX XXXX Charged Airline Ticket with XXXX in the amount of {$2700.00} on company 's ( issued in his name ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX issued by Barclays Bank Delaware.
He completed first leg of journey on XX/XX/XXXX while still had return portion due to travel on XX/XX/XXXX.
Mr. XXXX received a call from XXXX XXXX XXXX notifying him of suspicious activity on his card, upon which he verified that XXXX and two other XXXX transactions were valid and remaining were not.
upon receipt of new statement MrXXXX XXXX called and advised the bank that he was issued credit for XXXX even though he confirmed to the agent that the charge was valid. The agent informed Mr. XXXX that it was an error in Bank part which has already be corrected and XXXX was not debited therefore he did not need to worry about anything.
When Mr. XXXX called XXXX for seat allocation and reconfirmation prior to his travel he was told by XXXX that his ticket is frozen for nonpayment as credit card company did not pay the airline.
When Mr. XXXX called the Bank again, he was told the bank will take care of it. He received a letter in the mail stating that regarding claim and a credit has been issued to the card, then the credit was reversed on the card and card was charged again.
Mr. XXXX spoke with several agents at the bank and they insist that XXXX has been paid. Mr. XXXX spoke with several XXXX agents on the phone and in person at XXXX airport location and they all advised him that airline has not been paid therefore his return portion is still frozen.
Mr. XXXX forwarded the matter to me and I spoke with XXXX at Claims/Disputes and he promised to investigate the matter and would get back to me, which he never did. I called again and I explained to him the situation and insisted that He must stay on the line with me when i call XXXX since he was not willing to call XXXX to resolve the issue. XXXX stayed with me while I spoke with XXXX agent on the recorded line and XXXX agent informed us that XXXX has been paid therefore the ticket is frozen. XXXX advised me that he will work on the resolution and get back to me but it has been over 2 months and we have not heard from XXXX or any one from the bank in writing or via phone.
In short currently we have paid for the entire ticket, used only one way. XXXX Claims non receipt of payment, Bank claims they have paid. Bank caused the entire mess by disallowing payment in the first place and issuing letter to XXXX regardless of what actually happened therefore Bank is responsible to clean the mess up.
Furthermore, there is high probability airline may not allow Mr. XXXX on its flight unless the matter is cleared.
It is bad customer service and poor handling.
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| 09/21/2016 |
Yes |
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Web |
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On XXXX XXXX, 2016 I received an e-mail from XXXX XXXX with a promotion : Earn a {$100.00} Cash Back Bonus with the Upromise XXXX.
I clicked on the link to that offer and I applied for this offer with Barclaycard on line. For some unknown reason I did not received an immediate approval. Instead I received a letter via XXXX Mail asking me to contact their customer service via telephone in order to verify my information.
On XXXX XXXX, 2016 I did placed a call to the number listed on the letter : XXXX, and I spoke with XXXX, her operator no. is XXXX. I am a naturalized XXXX citizen of XXXX descent. I do speak with a clear accent. After I answered a number of questions about my identity correctly, XXXX told me that I will have to mail to XXXX a copy front and back of my Social security Card and my Driver License.
I told XXXX that this is the first time that any back has requested for such information from me and asked her if this is customary for Barclaycard to request from all individuals who apply for a credit card. She told me that this information is requested of me, otherwise I will receive no credit card from Barclaycard. I asked XXXX once again if she requested this exact information to be provided via XXXX Mail from all the individuals who apply for any of their credit cards. She refused to answer that question. I then asked her if my foreigner accent had anything to do with her request to provide Barclaycard with copies of my social security card and driver license. She refused to answer. I then informed her that I feel discriminated against because of my national origin, and that I want to speak with her supervisor. She told me that her supervisor will tell me the same exact thing and I could just chose not to send the information to them and no credit card will be issued to me. I once again insisted that she transfers me over to her supervisor which she finally did.
The supervisor came on the line after many minutes of waiting. His name was XXXX XXXX and his operator number is XXXX. I told XXXX that I want to lodge a discrimination complaint against his company and the operator I just spoke to due to the fact that I have been singled out to provide additional proof of identity because I speak with a foreigner accent. XXXX denied of that taking place. I asked him also if it is customary for all the individuals who apply on line with Barclaycard to later on send by XXXX Mail copies of the social security card and driver license. he told me " no ''.
This proves that I have been discriminated against based upon my national origin by the creditcard company. I have excellent credit history, my last credit score was XXXX and I have never been treated so badly by any other bank or credit card company before.
|
| 07/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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|
Web |
Servicemember |
|
I went online to pay my Barclaycard US bill on the day it was due. I have paperless billing. On the home page when I logged in on my personal computer, I saw a " posted transaction '' of {$29.00} for a late payment fee. When I tried to dispute the charge using the online option with the transaction, I received a pop up message that the charge was not eligible to be disputed using the form and to call. Since I was not late I immediately called the company and was told that they automatically post the fee on payment due dates and that it is automatically removed when a payment is paid on time. They also said that it was in my agreement and that the only way to avoid it was to pay before the due date.
I checked my previous transaction history and saw XXXX additional {$29.00} late fee transactions on XX/XX/22 and XX/XX/22 in addition to the XX/XX/XXXX charge. The transaction states " on statement as LATE PAYMENT FEE ''. My due date is the XXXX of each month and my payment was made on time for both of those dates which the representative verbally validated.
When I asked for them to show me where to see where the charges were removed or credited back, I was told that it's done automatically and doesn't show on the transactions or statements.
The problem is that neither the fee nor the removal shows on my statement in spite of the fact that the transaction says it shows on the statement as a late payment fee. It also doesn't show as an additional transaction.
I told the representative that if I was charged then I should also be able to see where I was credited and asked where I could find that information online or on the statement. They basically told me the system wasn't set up that way and that the late fee transactions, both charge and credit, wouldn't show up on the statements or online if a payment had been made on time, and that if it wasn't on the statement then I didn't need to worry and that it had been removed.
They confirmed a late charge is charged and I have that documentation in the transaction but no way to confirm the charge was removed. Additionally, if they state that a transaction is on a statement in writing but verbally say it won't show if my payment is made on time, then I have no way to validate the removal of the charge.
I can't believe it is legal to charge and credit my account without the charge and credit showing on my statement or the credit not showing as a transaction on my online account. How are they allowed to state a transaction will show on a statement and then not do it?
When I asked for documentation of late charge removal for the three dates, they said it would take 7-10 business days to be sent to me. I shouldn't have to request documentation of a charge removal.
|
| 06/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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I had a previous balance with Barclays for {$15000.00} that I fell behind on due to working with a fraudulent credit restoration company. I contacted Barclays back in XXXX and XXXX of XXXX in order to reconcile the account and get a settlement amount. On XX/XX/XXXX, I received a letter thanking me " for the time you have taken to provide them us valuable feedback, '' after we had discussed a settlement amount. Verbally I was told that I would receive a letter that reiterated what was discussed over the phone in XXXX. Per their verbal instructions, the settlement agreement was for {$6000.00}. I was told I needed a money order in that amount and that I had to include the last four digits of the account number and the last four digits of my social security number. I was also given the address that I needed to mail the money order to. I was told that the payment was due by XX/XX/XXXX. I was then told that once I sent the payment, I would have a waiting period to validate funds, and then my account balance would be considered " settled-for an amount less than the full balance'- and an update was to be sent to the credit reporting agencies. On XX/XX/XXXX, I went to the bank and got a money order/cashier 's cheque ( because it was a large amount ), then went to the post office to mail off my payment. I sent the payment via USPS Certified mail and requested a signature and return receipt. According to the return receipt, the letter was signed for and I received it in the mail on XX/XX/XXXX. According to Barclays and my credit report, the payment was put in on XX/XX/XXXX, which is showing as the last payment on the account. Since making that payment, I have checked my credit report monthly, and as of today, XX/XX/XXXX, Barclays has failed to update my account balance to " {$0.00} '' and has failed to update the account status to " settled. '' The account shows closed, but still show a balance of {$9100.00}. I called Barclays on XX/XX/XXXX and inquired as to why my account had not yet been updated. I was told that the account is showing correctly and shows that I still have a balance, but they did record the payment that was sent. I was also told by the agent on the line that the letters are basically just sent out as information and that it's a generic letter. However, I was told in my verbal agreement to settle that my status and reports would be updated accordingly. They still have not made any moves to correct/update the correct status of the account with any credit bureaus, and this continues to affect my credit, as the account is not showing up properly. Since they have not upheld their end of the agreement, I would like to have this account updated and deleted from my credit reports with all major credit bureaus.
|
| 03/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
I've seen it all over the internet that you must mail your credit card payment at least 14 days before the due date. Really? that's funny because I can get a check all the way across the country in two days to someone who wants my money and in the bank on day three.
I mailed a check a week ago to my credit card company and they " haven't gotten it. '' I've had over a dozen credit cards, over the years, and it seems that some companies are good and some aren't. I have mailed my check in a week early ( 5 days ) and gotten a late fee, and guess what, my check shows up in in my account ONE DAY AFTER the late fee and due date.
Of course I tried playing their silly game and mailed my check in 14 days in advance even though the money wasn't in the bank. I figure, okay if it's going to take 14 days, then I'll have the money in the bank by then. Guess what, 3 days later, into their account it goes and into my bank it comes with a nice little bounced check charge, if not a charge AND a returned check from my bank. That little " one time '' {$20.00} credit card payment just cost me {$75.00}. Here I am back at square one with a missed payment on my credit report {$75.00} poorer and that's only if they run it through once, it really gets fun if it goes through twice. The credit card company still wants their payment and the minimum payment goes up from there.
It seems like this is a one way street. You can't convince me that there is one little old lady with XXXX posting checks and she's just way behind. I know from experience that " some '' credit card companies set checks aside until after the due date just to get the late fees. Can I prove that? Nope. Will they admit to that? Nope.
I know that they want us to pay over the internet because BOOM they have our money now, they didn't have to handle anything, process anything, no time, no expense, no costs. I also understand that this is the " industry standard. '' So how come XXXX is doing so good with next day deliveries. People don't want to wait 14 days for their stuff. They don't wait 14 days for charges to go on my credit card balance. They don't wait 14 days for my check to clear before it goes into their bank account ... it's 3 days tops and usually one or two. They don't wait 14 days to charge me a late fee, it's the next day.
The " industry standard '' is pretty poor. Maybe it's because it's pretty poor industry. I call up to plead my case and get a little ONE DAY grace and they refer me to their rules ... .What 's the little consumer supposed to do against the multi-million dollar credit card companies and their lobbyists? Nothing!!! Except play their little stupid games until I can pay off the credit card and cut them all in half and pay CASH for everything.
|
| 04/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
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|
On XX/XX/XXXX, shortly after treasury requested banks free up additional liquidity to consumers, Barclays bank cancelled my card, ending in XXXX, with no late or missed payments in the years I have been a card holder.
I contacted Barclay 's multiple times, but wasn't able to wait put their hold period until XX/XX/XXXX. The call itself lasted less than 15 minutes, the total duration including hold time was 6 hours 35 minutes. This entire call I have a recording of.
I explained that I have been a good customer and was attempting to get my account reinstated, and was told I needed to write a letter. I then inquired as to the amount of time I had to redeem my points. After a brief hold, the representative told me I had 60 days to do so, which would be the middle of XXXX. I planned on using the points towards travel if I was able to successfully get the card reinstated, or for gift cards if I was not as the travel statements credits are only usable if the card is active. The points, which totaled XXXX have a value of {$3400.00} when used for travel credits, or {$1600.00} when redeemed for gift cards. Hence my desire to wait a little bit to see if I could get the card reactive and use the points for travel credits as opposed to pulling the trigger and redeeming them for the gift cards. I had been saving these points up for years.
Unbeknownst to me, the points were then cancelled the day after I spoke to this representative.
I wrote the letter to Barclay 's on XX/XX/XXXX, and after not hearing a response for over a week, called to follow up on XX/XX/XXXX. Again, the call duration consisting almost entirely of hold time totaled 6 hours 23 minutes. That call I also have a recording of.
During my hold time, I went only my account to discover the point adjustment on XX/XX/XXXX that left my point balance at 0. When I finally spoke to a representative, they told me I had to write another letter. I explained that I had already done so, and was escalated to a supervisor. The supervisor effectually told me the same thing, and would not put someone on the phone who had any authority to help me.
I am very frustrated, and feel they are running out the clock on the 60 days I would, by their own rules, have to redeem my points. Perhaps they plan to get back to me just after that time has elapsed and state that since it has been over 60 days, that there is nothing that can be done in regards to to the points. So, I'm turning to the Consumer Financial Protection Bureau for assistance.
Documents and files available upon request : Letter from Barclays dated XX/XX/XXXX stating the account t was closed.
Audio files of the calls to Barclays on XX/XX/XXXX and XX/XX/XXXX Letter from me to Barclays dated and sent XX/XX/XXXX XXXX
|
| 07/21/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/XXXX Barclay withdraw {$110.00} from my checking account. they had done a electronic transfer. Barclay scanning must have mistakly inverted two numbers, for it to be taken out of my account. the two numbers can be obtained from my bank. This was for a XXXX XXXX Visa credit card transaction. I contact Barclay on XX/XX/XXXX and was told its a XXXX Banking situation since it was as Visa account. This wasnt accurate since Barclay took over XXXX XXXX on XX/XX/XXXX. This was Barclay first misguiding of me on solving the situation which has never been resolved.
XX/XX/XXXX Called back and talked with a XXXX and was transferred to the Fraud dept. They kept looking for an account. Could not find one, do to me not having an account with XXXX XXXX or Barclay. Which i mention many times.
they did find an XXXX XXXX account which was closed in XXXX. I was working with a lady name " XXXX '' I also had my bank involved with a three way converation. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX # XXXX XXXX.
XXXX did a verification to make sure nothing was owed on the XXXX XXXX account closed in XXXX, she used a text look up. i have the text code XXXX informed me and XXXX from my bank this would be refunded and only the paper work needed to be proceed. I would receive notice by email or a call.
XX/XX/XXXX Had not heard anything, so i called Barclay to find out statues. I was informed there would be no refund given to me. I asked to talk to a manager and was informed no one was available. I was willing to wait until a manager was available. I was told no one would be for the remainder of the day and would have to wait for a call back.
XX/XX/XXXX Called back after 24 hour waiting period. Talked with XXXX XXXX I was informed my concern was Red Flagged. and being investigated. Case ID # was given to me.
XX/XX/XXXX was called about my case by a XXXX XXXX who made it clear she was doing me a favor. I contacted my bank and had XXXX and XXXX work on the situation. XXXX shared XXXX methods for resolving the situation.
During this time the individual who had the XXXX XXXX account contacted XXXX informed her, His account was credit for payment and nothing was takin out of his checking account. This person also called Barclay and was told dont worry about it. its the other person situation. I am the other person.
XXXX gave us an XXXX # for this person to call back Barclay. This person called Barclay a second time and was not able to resolve the situation.
XXXX, Barclay is either creating fraud by their standards and not willing to correct the situation.
I would still like Barclay to refund my account for {$110.00} and have this reported in as many ways as possible for Barclay falling to correct their mistake.
thanks
|
| 07/13/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
During my flight on XX/XX/2018, XXXX XXXX was offering XXXX XXXX Barclay credit card and I signed up them because it appeared to be a great offer. When I received the card I completed the steps to activate the credit card and I thought that the mileages will be issued automatically. Soon after in one of the promotion emails they sort of offered to reward about 20,000-30,000 miles just for making a {$20.00} purchase at a restaurant and they provided a list of restaurants. I don't eat out a lot, so I just overlooked the offer as a spam and went on with my life.
At that time what was not clearly indicated was that the credit card as {$95.00} fee accrued upon activation and requires additional activation i.e. eating at a restaurant within a specific period to obtain the total reward of approximately 60,000 miles offered initially during the fight. This was in my view a very deceptive promotion, because they just made it look like the mileages were being offered just for signing up for the card with no strings attached. The only time that I knew that there was an issue is when my credit monitoring service indicated that there was an activity in my account. I immediately made the payment of {$95.00} to close the issue on XX/XX/2018. Then when planning my next trip in XX/XX/2018, I realized that I couldn't use my mileage because XXXX miles were not granted to me because I did not eat at a restaurant ( make a purchase ) to activate. Furthermore, the credit card was not activated ( as they say ) due to security issue. Then I learned that by that they meant I did not set a 4-digit security code and the credit card was suspended because of that soon after I received the card.
I talked to them at length in XX/XX/2018 ( multiple lengthy calls ) explaining what had happened as outlined above, but they keep transferring me from on department to the other to explain the issue all over again. I have talked to XXXX XXXX, XXXX, and Barclay at length. Finally, I learned that the issue was with Barclay. Even after asking them to close the credit card because I did not appreciate their misleading promotion, they promised that they'll have someone review the case and see if they can grant me the XXXX miles because of the security hold on their part, which I was not aware of in addition to {$95.00} fee and requirement to purchase to activate card.
I just received a letter from Barclay stating they are unable to assist with the reward issues.
In addition to their misleading promotion, they were quick to put damage on my credit score but slow to report resolution. My credit score went from about 850 to XXXX just because of the {$95.00} fee. When I last checked my credit score it also shows that the dept is still open.
|
| 06/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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Your corporation has been requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. Pursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud. Pursuant to U.C.C. 9-210, I am requesting a full audit of the account. Additionally, pursuant to Article 1 Section 10 Clause 1 of the United States Constitution, only gold and silver, being the only lawful money of the United States of America, can lawfully discharge a debt. The use of Federal Reserve Note is unlawful and can not. Furthermore, I have noticed that you have been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). By use of coercion and fraud, your corporation knowingly and willingly violated my federally protected rights. Pursuant to the aforementioned codes, I demand all credits be returned on all remittances/coupons at the inception of the accounts. Balance will be zeroed out on a monthly basis via special deposit of the interest-bearing coupons associated on the itemization statement. This is your opportunity to cure as well as your notice of default for the servicing of my account. You meaning XXXX XXXX XXXX XXXX. and any of its other agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply will result in legal action.
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| 12/19/2023 |
Yes |
- Credit card
- Store credit card
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- Getting a credit card
- Card opened without my consent or knowledge
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Web |
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I am filing a case with the Consumer Financial Protection Bureau ( CFPB ) to report the issues I have been experiencing with Barclays regarding identity theft and fraudulent activities. Here is a summary of what happened : On XX/XX/ 2023, I received an e-receipt stating that my Banana Republic Barclays credit card was used for a transaction of {$710.00} in the state of Florida. However, I have never been to that state, and I can provide phone records to prove that I was at work in my own state at the time. Immediately after discovering this fraudulent activity, I contacted Barclays to report the identity theft.
The following day, I received a credit alert notifying me that a Barclays XXXX XXXX credit card had been opened in my name. I promptly contacted Barclays again, filed a case with the Federal Trade Commission ( FTC ), locked my credit file, and disputed all the charges. I was informed that the cases were under investigation. However, Barclays has failed to conduct a thorough investigation and has been unhelpful in resolving the issue. Their customer service representatives have been uncooperative and have provided vague responses.
Whenever I report fraudulent activity, Barclays automatically issues new cards. However, even before I receive these new cards, I receive alerts that the cards have been used again. I have spent countless hours on the phone with Barclays, but they have not reached a resolution. To make matters worse, on XX/XX/XXXX, Barclays allowed a card that I had reported as fraud and was under investigation to be used, resulting in a loss of {$510.00}. These illegal activities seem to be specific to Barclays, leading me to suspect that an employee may be involved.
Barclays informed me that the only mechanism they have in place is for me to report fraud when it occurs. Despite my requests, they refuse to refrain from issuing new cards under my name. I feel helpless as there seems to be no end in sight. Every morning, my first task is to check if any illegal activities have occurred in my Barclays accounts. I have provided Barclays with all the necessary documentation, including a police report, FTC report, and phone history to prove the origin of my calls and the steps I have taken to protect my credit since XX/XX/ 2023. However, Barclays has taken no responsibility for the situation and continues to claim that they can only act retroactively if someone opens an account in my name.
Furthermore, the person responsible for this fraud also requested a credit increase on a card that I never requested. The situation seems to be never-ending, as another card was used in my name just yesterday, once again from Barclays. I am in desperate need of assistance to resolve this matter.
|
| 07/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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VIA USPS CERTIFIED MAIL # XXXX XX/XX/XXXX CARD SERVICES XXXX XXXX XXXX XXXXXXXX DE XXXX Extra Points Mastercard ... XXXX This correspondence serves as an official and final notice to Barclays in regards to the above refenced account.
FACTUAL BACKGROUND TO THE MATTERS.
1. Barclays neglected and consequently failed to inform and deliver account related incoming transaction alerts or awareness to XXXX XXXX via timely mobile text messaging or any other timely communication means.
2. Barclays has not made XXXX XXXX aware of transaction submission accordingly with the Terms and Conditions and agreements, especially regarding very specific incoming charge related to fraudulent transaction submitted by XXXX XXXX XXXX, which action disabled XXXX XXXX from making constructive decision of transaction acceptance or disapproval.
3. Barclays has not exhibited any required and obligatory actions in regards to XXXX XXXX 's representation in addressed by XXXX XXXX concerns related to the specific transaction dispute with the merchant involved, XXXX XXXX XXXX.
4. Barclays exhibited far below than originally committed to and expressed less than " convenient '' and virtually absent dispute attempts on XXXX XXXX 's behalf and representation in account management.
5. Barclays exhibited negligence of commonly adapted statues and declaratory practices within regulations established in consumer representation process.
6. Barclays further exhibited lack of professional and respectful account management manners.
7. Barclays negligent performance provoked XXXX XXXX to close responsibly managed account by XXXX XXXX since XXXX.
8. Barclays inappropriately reported account related alleged charges to credit bureaus which is damaging XXXX XXXX 's credit score/history.
9. Barclays ignored XXXX XXXX 's request to discontinue any further process to already closed account related activities.
10. Barclays displayed discriminatory practices related to the owner of the account XXXX XXXX by negligence in efficient communication via customer service personnel.
PLEASE TAKE NOTICE that is demanded herein that all account alleged charges, interest charges, late fees and other charges to be dismissed immediately.
PLEASE TAKE FURTHER NOTICE that is also demanded herein that all account related derogatory charges to be released from the records at ALL credit reporting agencies.
PLEASE TAKE FURTHER NOTICE that is also demanded herein that clerks that are not correctly vocabularied or not to well versed discontinue any further contacts with XXXX XXXX via telephone.
PLEASE TAKE FURTHER NOTICE that request is made to CEASE AND DESIST all further Barclays actions impairing XXXX XXXX 's professional and personal status.
|
| 06/20/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On or about XX/XX/18 I received an email from my XXXX XXXX credit card company alerting me of possible fraud on the card that I allow my daughter to use. I called the credit card company to find out what charges they were questioning. I then contacted my daughter to ask if she had that credit card in her possession and she said that she did. Based on my discussion with my daughter and a review of my online credit card statement I found that my daughter made three purchases with the credit card on XX/XX/18 at XXXX XXXX for {$29.00}, XXXX for {$31.00} and XXXX for {$10.00}. All other charges that appeared on the statement were not made by her. These charges included two purchases on XX/XX/18 -- XXXX XXXX XXXX XXXX for {$150.00} and XXXX XXXX for {$40.00}. Nine other fraudulent purchases occurred on XX/XX/18 at : XXXX XXXX XXXX for {$130.00}, at XXXX XXXX for {$160.00}, at XXXX for {$36.00}, at XXXX for {$120.00} and {$130.00}, at XXXX for {$260.00} and {$20.00}, and at XXXX XXXX XXXX for {$100.00} and {$230.00}.
The Bank ( Barclay Bank ) that issued the card required us to fill out a Statement of Fraud indicating the charges were not made by my daughter, which we promptly submitted. I told representatives at the bank that my daughter was still in possession of the card. Thus, according to bank officials since the credit card is still in my daughter 's possession and the purchases were chip transactions I will have to cover the cost of these unauthorized transactions.
After speaking with my daughter she informed me that she was performing XXXX XXXX ( for her XXXX XXXX curriculum ) at XXXX XXXX XXXX on XX/XX/XXXX -- the first date of the unauthorized transactions. She said that she left her pocketbook, which contained her wallet with the credit card in the conference room, as required by the XXXX. The only possible explanation I could think of is that another student took her credit card from her bag, made the unauthorized purchased and placed the card back in her pocketbook the following day.
Of course I can't prove this theory but I do know that my daughter did not make any of these purchases. Of course if the purchases were in line with our usual spending habits the bank never would have questioned them in the first place. I am very upset that I know am being required to pay for over {$1400.00} in charges for items we didn't purchase.
Please let me know what can be done about this. Can I file a police report and get video footage from the vendors of the transactions to prove that my daughter did not make these charges. I thought that there were rules that govern credit card companies that protect consumers in these situations. Any assistance you can provide would be greatly appreciated.
|
| 12/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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Web |
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Regarding my XXXX XXXX XXXX XXXX XXXX XXXX with Barclays Bank Deleware.
I made a cash payment of {$1600.00} at XXXX XXXX XXXX XXXX XX/XX/2021. Barclays Bank of Delaware shows receipt of the {$1600.00}. Barclays Bank website shows credit of the {$1600.00} However available credit is listed at {$110.00}.
XXXX XX/XX/2021 I attempted to use my XXXX XXXX XXXX to make a utility payment of {$190.00} which was denied by Barclays Bank Delaware.
I called Barclays Bank customer service XXXX XX/XX/2021 at XXXX XXXX. Supervisor XXXX told me the " system '' would not allow me access to the {$1600.00} cash payment until the hold on a {$350.00} payment from my XXXX XXXX XXXX XXXX cleared. XXXX XXXX XXXX show the {$350.00} payment cleared my XXXX XXXX account and went to Barclays Bank XXXX XX/XX/2021. XXXX at Barclays Customer service stated that Barclays Bank requires a 3 way call with customer and customer 's bank to verify funds have cleared the bank. XXXX call XXXX XXXX and the XXXX XXXX representative said they could not disclose third party information. The XXXX XXXX representative said they could provide the information via fax. Barclays Bank representative said they could not fax. When I asked if XXXX was telling me Barclays Bank did not have a fax machine, she said the fax would take 24 to 48 hours to prepare.
Barclays Bank Delaware is unreasonably withholding access to my {$1600.00} cash payment.
Barclays Bank Delaware frequently places a hold of 7-10 days on payments on the XXXX XXXX XXXX XXXX
Barclays Bank Delaware does not verify receipt of funds internally at Barclays Bank Delaware without requiring that customer call Barclays Bank of Delaware customer service and participate in a three way call to customer 's bank. Extremely bad faith and onerous policy.
Barclays Bank of Delaware sytematically places holds on customers funds for 7-10 days and uses the funds to Barclays Bank Delaware benefit and detriment to the customer.
Barclay 's Bank Delaware practices of placing lengthy and unneccesary holds on customer 's funds ; requiring customer to initiate a call to Barclay 's Bank Delaware customer service and participate in a three way call to customer 's bank to release the hold are extremely bad faith, harmful to customers, and highly unethical if not illegal.
Accounting of Current Balance and Available Credit on Barclays Bank Delaware website are inaccurate 100 % of the time. Accounting of Current Balance and Available Credit at Barclays Bank Delaware website 100 % of the time do not match accounting of the XXXX at XXXX XXXX XXXX website.
Barclays Bank Delaware reduces available credit by amounts of attempted charges on the XXXX even when the charges are denied by Barclays Bank Delaware.
|
| 04/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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Applied for credit card Barclaycard XXXX XXXX on XX/XX/XXXX and was able to use to purchase plane tickets as an introductory promotion to earn XXXX miles of XXXX.
XXXX XXXX XXXX, Waiting for the credit card to arrive.
XX/XX/XXXX, I saw an email around XXXX that someone activated the credit card around XXXX. Never received the card physically. Then I found out someone had charged our credit card for gas, atm transaction, liquor at different locations.
XX/XX/XXXX, called the Barclay XXXX credit card to report that someone activated my card I never received physically and lot of fraudulent charges made. Credit card company cancelled the card right away. Theres almost {$2500.00} that was charged on my card. Barclay XXXX XXXX stated they will investigate and will resolve the issue and will resend me a new card.
XX/XX/XXXX, I got an email from barclay XXXX card that address changed had been made i know I did not made that changes so I immediately Called the Barclay XXXX credit card again to follow up on what and why this change happened. someone had made a change of address that it was not mine. Then the Fraud dept advised to change our credit card online password and email password which i did. Then I changed my mailing address to po box instead.
In a months time they were able to return the other fees ( cash advance from atm, groceries charges ) worth of {$1000.00} so fees dropped to {$1500.00}. I called barclay XXXX card and questioned why the other fraud charges arent dropped but others were.
XX/XX/XXXX, credit card company wrote a letter stating that they concluded that the other charges Are valid and Im liable to pay for the other charges. So I contacted and complained why would I be liable for the other charges that were connected to other charges that were dropped which doesnt make sense. The investigation they made are not correct, theres discrepancies and questionable as those fraud charges should all be dropped as theyre all connected and charged in the same day, XX/XX/XXXX. So barclay will reopen the case XXXX XXXX filed a police report for the fraud charges made and sent to barclay XXXX credit card.
XX/XX/XXXX, contacted barclay XXXX credit card 3x this month and to follow up on the fraud investigation and all they can say is it still pending XX/XX/XXXX, contacted barclay XXXX credit card again 2x this month and to follow up on the fraud investigation and seems like No one can give me a direct answer so much inconsistency on the investigation. The barclay XXXX credit card has not given me resolution. Everytime I called they put me on hold for 2 hours and hang up. Im getting charge of interest.
XX/XX/XXXX, this is 4th month of investigation and still Has not been resolved.
|
| 11/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
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|
Web |
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PLEASE NOTE THIS IS NOT DUPLICATE COMPLAINT AND I HAVE EXPLAINED WHY, THANKS Someone named XXXX called me in response to me previous complaint and assured me that everything looked good with my application and they have everything they needed to establish my identity. I thought finally that's a relief but of course nothing is as simple as that at Barclays and the things are back to square one as described below. MY APPLICATION IS STILL STUCK and I dont have any way to reach back to XXXX XXXX the number she called me from doesn't work and one of the Barclays own agents told me why not you file a CFPB complaint again. That's how bad and arrogant they are. I have asked multiple people to put me back in touch with XXXX or XXXX but they refuse to do that.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I had a decent conversation with XXXX on Monday who assured me that that if I fax or mail in my social security card, XXXX passport, and residential proof, I will be all set. I requested her and she did put detailed notes in the application. XXXX also reached out in response to an internal escalation on Tuesday saying I should be good to go.
XXXX also reached out on Tuesday in response to my previous CFPB complaint saying that she would keep an eye on the application.
I got 2 missed calls from Barclays this morning. I was hoping that this would be some good news but got the same non sense.
Called the number they asked me to and same transfers again. Got this agent called XXXX. Without even looking at anything, he starts repeating the same non sense saying they need blah, blah, etc. When I asked him to read up on the notes, then he came up with some other non sense that the documents are not clear, I need to mail them the documents. When I asked him, which document out of the 3 was not clear, no answer. Kept repeating with lot of attitude that I need to mail in everything.
Asked for a supervisor and got XXXX, who said the documents are readable and are legible. So of course that XXXX was lying. But then XXXX started telling me everyone else including XXXX, XXXX, XXXX is wrong. She is now starting from scratch and asking me for different ID documents. When I asked her about how come I have a current Barclays bank account and had Barclays cards in the past with the same ID documents, no answer. When I asked her about XXXX 's lies that the documents are not legible and I need to mail in, again no answer. This is like dealing with a bunch of arrogant non sensical people who keep making up their own XXXX rules/policies out of thin air.
I am really fed up with this circus. Every one makes up their own rules, lies about documents not being legible, gives attitude, transfers you around.
|
| 09/24/2015 |
Yes |
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Web |
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The Barclay 's MasterCard card benefits available to me when I signed up this XXXX 2015 contained a 90 day purchase protection warranty up to {$1000.00} per claim. I have the paper documentation to prove this. I purchased about {$1500.00} of merchandise across several receipts ( over several different dates and stores ) that was stolen before the XXXX period expired. I called the number that I was told to call, and filed a report. I was told that my bank had listed the benefit to a max of {$500.00} per claim. That could n't be right, because when I log into my online account and download the PDF of my card 's benefits, it also says the same {$1000.00} max. Later, on a separate call, I was told by the card 's benefit contractor ( XXXX ) that I needed to file separate claims for each receipt containing XXXX items, I spent hours doing so, but that 's fine because it 's worth it to get all my money back. At the very least, they would get the smaller claims paid to while we argued over the cap on the XXXX large claim over {$500.00}. I called Barclay 's, and spoke with XXXX who confirmed that my information was correct -- that the cap was {$1000.00}. She started a conference call with their contractor to tell them the confirmed amount, that I was right, it was for a max of {$1000.00} per claim, which that combined with the other claims would make me whole. However, XXXX at the Contractor contacted me and told me that his colleagues had spoken with Barclay 's and that they had told them that their information, $ XXXX/max was correct, and that no matter what they had told me earlier ( to file separate claims ) they were likely going to combine all the claims I was told to file into XXXX claim, and that if I had a problem with that, I could call the Barclays. As stated above, I told him to look in his file for the call on Monday. Thankfully, they had this three-way call in their notes, but XXXX with XXXX could not tell me who I needed to call or ask for at Barclay 's, meaning I would be in the same runaround. Clearly, someone at Barclay 's is at fault for XXXX team not accurately reporting my benefits to XXXX, and XXXX is at fault for 1 ) not defining the scope of a claim in their card benefits fine print 2 ) fraudulently telling me to file XXXX claims at XXXX time knowing the situation full-well, even though they later told me they might combine into XXXX claim, despite numerous purchases, each under the {$1000.00} limit and XXXX me over in the process out of several hundred dollars. All told, between both of their mistakes, I 'm out around {$1000.00} for purchases that according to all documentation I have ever been provided ( again had this card around 3 months ) I should have reimbursed to me.
|
| 09/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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Barclays Credit Card Fax : XXXX RE : XX/XX/2022 XXXX. XXXX Dispute charge on XX/XX/2022 for XXXX XXXX Let me start this conversation by letting you know that this is the worst credit card I have ever owned ; your customer service is terrible, and your dispute department is no better. Once my attorney fixes this mess up with this timeshare, I will close my account and let Wyndham know how I am treated by a credit card they endorse.
This charge was not an authorized charge. This card was only supposed to be used if we defaulted on a payment.
So, I am saying this was a fraud charge since we signed up on XX/XX/XXXX, and they charged my card as if I defaulted on the loan.
XXXX XXXX did not notify me that this charge would be billed. We are in the process of sewing this company for fraudulent statements and misleading statements.
So, as you can see, if we purchased a timeshare, even if it is fraudulent, on XX/XX/2022, this card should have only been billed if there was a default on loan, and we didnt even get home on XX/XX/2022. So, to refinance with a local bank, how can we be in default?
These are not the only thing they have lied about and done that was unethical ; therefore, we got an attorney in XXXX to fight this company.
I am not sure how clearly ; I can be with you when they do not give you copies of what you signed at the time of purchase until you get back to the states ; we ask for a copy of what we signed at the time we were in XXXX.
As you can see, this is a hot mess being taken advantage of when you are out of the country, and now, we must fight them from the United States.
I am unsure how to say it to make you understand that this card was not authorized. XXXX XXXX fraudulently did it.
Therefore, we have an attorney fighting this company. I have already reported this company to several different international companies.
Plus, I have warned everyone on XXXX, I will not stop until I get them for everything ; they have put my husband and me through. My stress level is very high, so I would appreciate it if you would work for your customers, not the merchants isnt the first problem I had with your credit card when it comes to disputes. There is a big difference between XXXX and XXXX I have asked to speak to a manager and havent talked to one yet.
Let me know if you have any questions.
In this case, it needs to reopen. I will not play with your credit card much longer ; you are a big part of the stress.
Thank you XXXX We have hired two attorneys, one in the U.S.A. and one in XXXX, to fight this fraudulent purchase court case is scheduled for XXXX in XXXX, Case Number XXXX They will not dispute my account since they do the billing for XXXX XXXX XXXX which it s unethical.
|
| 01/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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Letter dated XX/XX/XXXX, from the Barclayscard Office of the President / a XXXX XXXX XXXX, outlined credits that were in process of posting to my account in the amount of {$160.00}. This credit was short {$4.00} and should have instead been a sum of {$160.00}. This credit was supposed to have been applied and should have remained on my account for the next 3-4 months ; instead, it was removed on XX/XX/XXXX, which also was the first time that I placed a new charge for {$31.00} on my new replacement card. The card was replaced due to previous fraud on the account.
As a result of the posted credits being removed from my account, I later learned that {$31.00} was expected as payment on XX/XX/XXXX instead of being deducted from the expected credit balance I thought I had. I posted a payment for the {$31.00} on XX/XX/XXXX, but it was just past the cut-off deadline and did not post until the following day of XX/XX/XXXX. I also have a future payment scheduled for XX/XX/XXXX, in the amount of {$35.00}, to cover the name statement period in full, for my " actual charges that exceed the {$160.00} which should have originally been credited and should have remained on my account, preventing all of these matters from becoming compound issues. Subsequently, I was charged a {$27.00} late fee. I have since contacted Barclays to request that all corrections be made. We are currently in a back-and-forth email and phone-tag pattern, meanwhile, I am still incurring additional charges i.e., {$3.00}.
I am concerned this will continue getting out of control while I expect these corrections to be made. The fact of the matter is, the posted credit was removed from the account within 2-months of it being posted. This gave me no time to use it as intended and is now costing me more. There has never been a check issued for that or any other balance, not that I have seen, and nor do I want. I want all credits posted back to my account as discussed and for the full {$160.00}, plus a credit of the {$27.00} late charge, and the {$3.00} interest charge, and anything else that may post to my account in the meantime. I also want to make sure that nothing has negatively been reported to any of the credit bureaus, and nothing will. I would like a letter confirming that all of these transactions have correctly been posted and that I should be cleared of any adverse actions or negative reports that could possibly affect my credit, and I want this letter as a reference, should anything later appear and I would need a letter of that type to serve as proof to expedite any future potential issues as a result of these discrepancies now.
Thank you in advance for your assistance in resolving this matter.
Sincerely, XXXX XXXX
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| 05/16/2016 |
Yes |
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Web |
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I deposited a convenience check to my personal checking account in the amount of {$4000.00} from my Salliemae Mastercard on XXXX/XXXX/16. The check was returned on XXXX/XXXX/16. I have not received a credit to my Salliemae Mastercard to date. The sequence of events is below.
XXXX/XXXX/16 -- Received Balance Transfer Checks with promotional APR that specifically stated that the transactions must post by XXXX XXXX to : Transfer balances from other card Finance home improvements or renovations Write a check to yourself XXXX/XXXX/16 Contacted XXXX ( Sallie Mae/payable through Barclays Bank Delaware ) to verify credit limits and terms if I wrote a check to myself.
XXXX/XXXX/16 Deposited check # XXXX for {$4000.00} into my personal checking account at XXXX ( XXXX XXXX XXXX ). There were no holds placed on the deposit.
XXXX/XXXX/16 Check was returned as " not authorized '' ; {$12.00} total returned check fees were assessed XXXX/XXXX/16 Contacted XXXX XXXX at Barclays ; stated that the check had cleared and that I needed to address the issue with XXXX.
XXXX/XXXX/16 Received legal copy of the returned check from XXXX.
XXXX/XXXX/16 Contacted XXXX -- XXXX ID created XXXX. Transferred to XXXX. XXXX at XXXX ; Continued to maintain that the issue was with XXXX XXXX/XXXX/16 Contacted XXXX ; Told that the case was closed and that I would receive a copy of the check from Barclays within the next week.
XXXX/XXXX/16 Received copy of the check from Barclays and took it to the XXXX ( XXXX XXXX XXXX ). Contacted XXXX XXXX at Barclays ; suggested that I fax or email the legal copy of the returned check from XXXX. Successful transmission via fax at XXXX at XXXX.
XXXX/XXXX/16 Contacted XXXX XXXX at Barclays ; potential review/reopen of case for adjustments to be applied on XXXX/XXXX/16 XXXX/XXXX/16 Went to the XXXX XXXX XXXX for XXXX XXXX where Branch Manager, XXXX XXXX with my permission spoke with XXXX XXXX at Barclays. XXXX reversed the returned check fee of {$12.00} and asked to redeposit the check. We were told that was not an option but that the credit to my card would be expedited. The ref # XXXX XXXX/XXXX/16 Payment made to Barclaycard of {$200.00} including {$4000.00} withdrawal, {$160.00} cash advance fee, {$94.00} in interest.
XXXX/XXXX/16 Contacted XXXX XXXX at Barclays ; notated that the information had been sent to the appropriate department but that he would " expedite '' it.
XXXX/XXXX/16 Received new Sallie Mae Mastercard statement without credit with a payment due XXXX/XXXX/2016.
XXXX/XXXX/16 Contacted XXXX XXXX at Barclays : stated that a letter had been sent to my attention on XXXX/XXXX/16. Stated that she needed to contact settlement department. No resolution notated on my file.
|
| 04/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I have been trying to pay my debt off with them for over 2.5 years and every time we come to an agreement, they go ahead and take 2-3 months of payments, either over the phone or on autopay, and then stop.
When you call them to ask why the payment wasn't debited, as discussed, they say that I can just go ahead and pay using their online portal, which wasn't the original agreement and also never worked.
They then proceed to tell you that they can no longer accept the original settlement terms, but that they're willing to renegotiate for a new settlement. The " renegotiation '' inevitably ends up being higher, or roughly equal to the original settlement amount, even though I had technically paid down the account for three months based on the former settlement terms -- their reason being that the account has now accrued interest and is out of the settlement terms because of the " delinquent '' payment.
I have gone through three rounds of renegotiations with them, and each time, the same thing happens. I also get " reassigned '' a new representative for each new settlement, that is totally in the dark about the entire case, which makes no sense.
This has been one of the most frustrating and frankly, predatory situations that I've ever had to deal with.
In XX/XX/XXXX, I was contacted by another law firm XXXX XXXX XXXX ( XXXX XXXX Debt Negotiation Specialist ), claiming that she was retained to resolve a " failed payments '' situation with XXXX XXXX XXXX. Her note said : " We received notice that you have failed on your payments under the settlement.
Please contact the creditor 's counsel and address this issue or opposing counsel may enter judgment and start collection efforts. '' I then responded to her with proof ( including my bank statement ) that I had paid the settlement terms and that the money was deducted from my account.
After this, I tried to contact Barclays directly, but they said they couldn't help because the account was already in collections. I tried explaining to them that I had been trying to pay but was not being given the option to, and understandably, they explained that it was no longer their issue.
Which brings us to XXXX, XXXX.
We are trying to sell our house and this account is now showing up as Judgement against me in the amount of {$7000.00}. The original debt was {$5700.00}. I have called XXXX XXXX XXXX incessantly to get this situation squared away, but every call leads to being told that I need to be transferred to a different rep, who ultimately ends up " being away from his desk '' or I just get put on hold, at times for over 20 minutes.
I am truly at a loss here and I am hoping that the CFPB can help bring justice to this situation.
|
| 02/27/2016 |
Yes |
|
|
|
Web |
Older American |
|
Date : XXXX XXXX, XXXX From : XXXX XXXX XXXX To : Barclays Bank Delaware Card Services Enterprise Holdings , Inc., XXXX XXXX XXXX, Chairman and CEO CC : Consumer Finance Protection Bureau ( CFPB ) Subject : Credit Card Charge Dispute This letter is to dispute the below described charge and the handling of this dispute by Barclay 's Bank Delaware. In addition, this letter is to file a complaint regarding the handling of this matter by both Barclay 's Bank Delaware and XXXX XXXX.
On or about XXXX XXXX, XXXX, when making my monthly payment on my Barclays Bank Delaware XXXX Aviator Red MasterCard, I discovered that there had been a fraudulent use of my card. My old account number was XXXX XXXX XXXX XXXX, which has been changed by Barclays Bank Delaware to XXXX XXXX XXXX XXXX, due to the fraudulent use of my credit card , probably by an employee of XXXX XXXX. The amount of the charge was {$200.00} and the charge was initiated on XXXX XXXX, XXXX and posted to my account on XXXX XXXX, XXXX. I immediately called Barclays Bank Delaware Card Services and XXXX and advised both organizations of the fraudulent charge. In reviewing my card statement today, I noted that on XXXX XXXX, XXXX Barclays Bank credited my account with the amount of {$200.00} and then charged my account that same amount on XXXX XXXX, XXXX without advising me of the status of their investigation.
During the period XXXX XXXX, XXXX through XXXX XXXX, XXXX, I was in XXXX XXXX, Utah and therefore would have been unable to rent a car or truck from Enterprise in XXXX XXXX, XXXX. I had physical possession of the card during the period that I was in Utah and in fact still have possession today ; therefore, my credit card could not have been physically presented by anyone to rent a car. In conversation with XXXX they disclosed to me that the card number was entered manually, which indicates that whoever used the card did not have physical possession. When I rented a truck in XXXX XXXX from XXXX, I used this card and presented my driver 's license, so an employee of XXXX would have been able to keep my card and driver 's license numbers. As you may know when renting a car, one must present both a credit card number and driver 's license. Since I was in Utah and had control of both my card and driver 's license, it would have been impossible for anyone to present my license and card when renting a car. That leads me to the conclusion that only an employee of XXXX could have used my card number, as that person would not have had to present a driver 's license.
Please properly and thoroughly investigate this matter and keep me informed by telephone or letter. Thank you for your attention to this matter.
Sincerely, XXXX XXXX XXXX
|
| 05/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : BRCLYSBANKDE XXXXXXXX XXXX XXXX XXXXXXXX, DE XXXX XX/XX/XXXX ; XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXXXXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX
|
| 10/15/2016 |
Yes |
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|
Web |
|
|
Hello CFPB : Would it be possible to re-open my complaint XXXX?
It was prematurely closed despite my provision of further evidence to prove that the bank did not reward me with the correct number of points. The response provided by the bank was inaccurate. I 'm attaching the correspondence and documents to substantiate my claims. Thank you so much for your attention.
Good day!
XX/XX/XXXX/XX/XX/XXXX, I called Barclays XXXX XXXX to cancel my credit card to avoid the annual fee. The operator offered a retention package, which involved earning XXXX XXXX XXXX points after spending {$2500.00} for XXXX consecutive months. I signed up for it. After meeting the spend of {$2500.00} for 6 months ( XX/XX/XXXX-XX/XX/XXXX, to be sure to get the bonus, I even spent {$2500.00} XX/XX/XXXX ), I patiently waited for my bonus to post. In around XXXX, I called to inquire and operators had repeatedly told me to wait for the points to be credited. XX/XX/XXXX, I knew something was amiss when my points have not showed up in my account. I called again with operators dismissing my concerns and promising that the points will ultimately come through. After calling about 4-5 times, I had finally reached my threshold and requested to have my issue escalated. I spoke with a manager who vowed to review my case. I received a letter a few days afterwards informing me that I was not eligible for the bonus because I did not sign up for it. I was exceedingly disappointed because this was not the truth so I called again, this time requesting for all my previous calls and conversations to be reviewed. I am not sure if they reviewed the conversations but they responded again that I did not sign up for the offer. I felt that this was an extremely dishonest and fraudulent practice for this bank to lure me back into signing up for another year, with the promise of bonus miles and subsequently denying their offer. I called again and finally reached a sympathetic manager who listened to my complains. I conveyed that it defies logic for any customer to try to spend over {$2500.00} every single month for 6 months in a card that was initially about to be closed down. The bank ended up giving me XXXX as a consolation, instead of XXXX that they initially promised. After a few days, I was reading a blog that indicated the same exact circumstance has been happening to other consumers. Barclays has been offering this promotion to sustain customers but unable to stay true with their word. I initially did not want to complain but I think CFPB needs to be made aware of this unethical and unscrupulous behavior of this bank. I also would still want the other half of my missing XXXX bonus. Thank you so much for listening to my concerns.
|
| 09/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
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|
Web |
|
|
I took advantage of a balance transfer offer with Barclay 's bank credit card. Shortly after requesting the transfer I noticed one of the receiving bank 's account number was wrong. I requested they stop or reverse the transaction, or make the transfer to the correct account number. It took a week to get someone on the phone to report the issue, although I used their " secure message center '' that seems to provide only canned responses. They continually said it would be escalated to the correct department with a resolution, first in 1 week, then it would be 2 weeks, then it would be a month. After 2 weeks, though, they tried to close the complaint and said it could not be re-opened, but would have to file a new complaint. After following up, they advised the matter was closed! It then was re-opened only this time for yet another 30 days. Within this interim and after more than a month, Barclay 's agreed to temporarily credit the account during investigation. They were uncooperative and seemed to want to wash their hands of what they consider a completed transaction. After almost 3 months and no resolution, I contacted the Delaware Banking Commissioner ( DBC ). The result was Barclay 's contact the other credit card bank to verify the transfer. Barclay 's was told by the receiving bank that the account number was " a '' valid account, but did not verify it wasn't mine ( so now someone else has had a transfer credit to their card with my funds ). The DBC shared with me their reply, provided me with the transaction numbers used for Barclay 's transfer to the other bank. I also was told that I should give this to the receiving bank so they can located the funds. Barclay 's again, washed their hands of the issue, posted the funds back to my account lowering my available credit, increasing what I owe and finance charges, and now reports to the credit bureau an incorrect usage of my card that has a negative affect to my credit score. Upon contacting the other bank, the other bank could not find any transaction of this amount on or about the respective dates, but they said they would look into it. Next, a series of requests from the other bank ( XXXX, where I have 3 accounts and best they verified was none of my accounts received the funds ) for more information from me including the erroneous account number that I do not have nor could obtain from Barclay 's, and proof of payment by Barclay 's that they won't supply. I am at a loss. Further details with conversation logs are in my attachment. Over the years, I was licensed under various state Department of Financial Regulations and have never seen something so incompetent or treated with such disinterest and lack of customer service.
|
| 04/03/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Older American |
|
XX/XX/XXXX I requested a new Credit Card " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' in XX/XX/XXXX. One of the benefits I valued was Trip Cancellation/Interruption insurance up to $ XXXX.per event, {$10000.00} per year. In addition, all purchases accumulated XXXX points for every dollar spent. ( XXXX ) I have used the card extensively, payments were automatically deducted from my bank account ( auto-pay ) and my credit score has been around 800.
On XX/XX/XXXX, I contacted the bank and, given my good standing, asked for a waiver of the {$89.00} annual fee. The gentleman instead offered a NO FEE card, especially since almost all my charges were for travel and dining expenses. He stated explicitly that this card would fit since the only difference from the previous card was that, " XXXX points would be given for Travel and Dining expenses '' en " XXXX point for all other expenses. ALL OTHER BENEFITS WILL REMAIN THE SAME ''. I heard him say that more than once.
We agreed to proceed. I could continue to use my other card until the new card arrived and was activated.
On XX/XX/XXXX, I received the new card in the mail. ( XXXX ). The name was changed to " Arrival ''. The card had a sticker asking to " Activate your card now at .... '' I did not activate the card but first verified the insert and benefits. THE BENEFITS WERE DIFFERENT. The travel protection was reduced to {$1500.00}!
I contacted the bank immediately and today informed me and they have already switched me to the new card program and are unwilling to allow me to go back to my prior card and benefits. They claim that procedure was followed. I vehemently contest that statement. Is it proper procedure to misrepresent the benefits?
Here are the reasons for my complaint : : 1. The agent did NOT disclose that the benefits for travel insurance would be reduced. To the contrary, he said that all benefits would remain the same.
2. When the card arrived, it had to be activated to become valid, which I did not do.
3. It was my understanding that the new card would become active AFTER I had activated it and that at that point the previous card could be destroyed. He did not say that I would be switched IMMEDIATELY that day of XX/XX/XXXX to the new account. Moreover, how can anyone agree to misrepresented verbal information which turns out to be materially different from the written information received in th mail. How could, it be that a consumer has no recourse after seeing information that was different than what was promised? One has usually a few days to decide AFTER the pertinent information has been provided.
This is the second time in a year that I have to file a complaint for misrepresentation of facts by Barclays.
|
| 10/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
My last payment to my XXXX Visa Card account with Barclays on XXXX, XX/XX/2019 was processed in the amount of {$290.00} by ACH automatic debit from my Barclays savings account ending in XXXX. Over that 3-day weekend, the debit was held as pending by Barclays owing to a temporary freeze on funds in my account that I was not made aware of. On Wednesday, XX/XX/XXXX, I was informed by Barclays that my pending debit would be rejected. Two business days had passed since my automatic payment successfully posted to my XXXX Visa Card account, so I contacted XXXX Visa Card customer service with my concern. I was assured twofold that my account was in good standing and that there were no annotations on my account to indicate any problems with my payment. The representative stated that he did not want me to experience any problems with my account and thus took additional effort to ensure the compliance of my payment.
One day later, on Thursday, XX/XX/XXXX, my XXXX Visa Card account transactions listed 4 new items indicating that my payment that had been processed five calendar days prior had been returned. The account had been assessed a retroactive interest charge, a returned payment fee, and a repeat debit of my Barclays savings account ending in XXXX for the same amount of {$290.00}.
I contacted XXXX Visa Card customer service by phone and by secure message through the online portal to address my concern about the lapse in payment and requested in three instances on both occasions that the interest and fee be waived as a courtesy in acknowledgement of the trying circumstances beyond our collective control. I was refused on both occasions with XXXX Visa Card maintaining that they would not be liable for returned payments enacted on their automatic debits and affirming their prerogative to assess both interest and punitive charges.
The funds in dispute by Barclays XXXX Visa were in practice never in jeopardy. They were able to debit my internal savings account with Barclaysand acknowledged as much in my ledger and in dialogueand retroactively insisted on my negligence by artificially reversing and repeating the ACH debit in one fell swoop. My account never past due, yet XXXX Visa marked the reversal initiated on the XXXX as occurring on the XXXX in order to impose interest on the five calendar days when the payment was never, in fact, past due.
This insidious practice does not comport with the reality of the circumstances underlying these events and serves only to further an ostensibly dubious profit-driven imperative. Moreover, Barclays was never deprived of the funds given the delay in learning of the lapse and acting to reappropriate them in real-time within its own institution.
|
| 09/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
I charged an order and made a down payment of {$4400.00} using my Barclays Mastercard for new windows with the merchant ( XXXX XXXX XXXX XXXX ) on XX/XX/21.
The merchant informed my contractor ( who I hired to install the windows ) on XX/XX/21 that the company would not complete the order because the windows that I ordered could no longer be manufactured. ( See enclosed email from their sales representative, XXXX XXXX dated XX/XX/21 ).
The contractor informed me on XX/XX/21 that the merchant could not complete the order.
I contacted the merchant that same day and they offered to provide a different type of window that would need to be modified prior to installation. I declined and requested a refund. The merchant then agreed to process my request for a full refund on XX/XX/21 ( as documented in the enclosed email string ). The merchant later informed me on XX/XX/21 that they would begin to process the refund ( noting that it could take up to 30 more days ). The merchant, however, never processed the refund.
After waiting over 30 days, I tried to contact the merchant again but they did not respond to my emails or phone calls.
I submitted a dispute of the credit card charge to Barclay 's on XX/XX/21, was assigned a Case ID ( XXXX ), and was issued a provisional refund of {$4400.00} by Barclays.
Barclays informed me on XX/XX/21 that they reversed the refund based on their ( false ) conclusion that I had canceled the original order, rather than understanding that it was the merchant that canceled my order.
I sent additional documentation to Barclays on XX/XX/21 that included copies of the email communications between me and the merchant.
I talked to a Barclays representative ( XXXX ) on XX/XX/21 and was informed that the claim would be resolved within 90 days.
Barclays informed me on XX/XX/21 that the claim could not be resolved through the dispute process because they were outside the permitted timeframe.
My concerns are that : 1. The merchant ( XXXX XXXX XXXX XXXX ) did not refund my down payment as promised after they discovered that the windows that I had ordered could no longer be manufactured. This should be resolved by Barclays Mastercard, since the merchant failed to process my refund.
2. Barclays Mastercard took 4 months to review the documentation for my disputes and then told me that they could not assist me with obtaining credit to my account because " We are outside of the permitted timeframes to continue this claim through the dispute process. '' Barclays was outside of the permitted time frames because they did not process my dispute in a timely fashion. Thus, I think that Barclays Mastercard has an obligation to process the credit to my account.
|
| 02/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This letter is a follow-up to my original letter dated date regarding an inaccuracy on my credit reports, regarding Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date.
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item.
Any other action ( or inaction ) on your behalf will result in a small claims action against your company.
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
|
| 05/19/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
Application # XXXX I was on the XXXX website on or about XX/XX/2020, and was about to purchase a new computer. During the checkout process, an offer was presented to me for a Barclays credit card to finance the purchase of my new computer with 18 months of no interest on a Barclays credit card. Knowing that my credit score is XXXX, and with a desire to utilize the deferred " no interest '' period, I applied. Shortly thereafter, I got an email that said to call a certain Barclays Security number. I called that Barclays phone number, and the rep informed me that my application was on " hold '' because additional information was needed. The Rep instructed me to send a copy of the front and back of my driver 's license, social security card and a copy of a utility bill. I immediately complied and sent the required items via " snail-mail ''. I am trying to find out if I have been approved or if there is additional information needed. I have called XXXX and have been on hold for 61 ( still on hold as I type this complaint ) minutes, which is ABSOLUTELY ridiculous. So, I am contacting you to ask -- what is the status of my application? Doesn't Barclays have to provide me with some sort of status? All I have received is a couple of generic form letters -- and I have no idea if the documents I sent and Barclays letters to me have just crossed in the mail and I am approved and the card is coming -- or if I have been declined and I awaiting a card that is not coming. Also, why the heck am I having to jump through all of these ID hoops when I have had a Barclays savings account for many years? Barclays already know who I am and I have an outstanding account history with Barclays with my savings account with them. UPDATE -- So while I was on hold on one call trying to get through to Barclays, I called XXXX, at XXXX central time, on XX/XX/2020. The lady I spoke to looked up my application and said that the utility bill, XXXX XXXX, which is my ground telephone service provider is not acceptable. I will note that one of the " form letters '' that I received from Barclays after I placed my application reads, " Your drier 's License/State ID, Social Security Card, and current original utility bill or bank statement with your name and address on it. '' Well, XXXX XXXX is my telephone utility company. The lady I spoke with on the XXXX XXXX call said that Barclays does not accept telephone bills for identification purposes -- which is misleading since their form letter reads " utility bill ''. Additionally, I have an savings account at Barclays bank, so they can look at one of my bank statements any time. This feels like unfair/deceptive trade practices in my humble opinion. Application # XXXX
|
| 07/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I have been disputing a charge with Barclays since XX/XX/XXXX. The charge was made on XX/XX/XXXX at XXXX for a hotel reservation in the amount of {$1300.00}. Unfortunately, XXXX went out of business in XX/XX/XXXX, and they instructed me to reach out to my credit card provider to receive a refund as they were not going to refund my charge. The hotel never received payment from XXXX, and my reservation was cancelled my them. Thus, I paid for a service that I never received. I submitted a dispute with Barclays on XX/XX/XXXX. I was told on XX/XX/XXXX by a woman named XXXX ( see photo of call record below ) that I would be refunded the charge. Unfortunately, for the next seven months, I did not hear anything from XXXX. I had followed up at least 15 times prior to XX/XX/XXXX without a resolution to the matter.
In XXXX of XXXX, I received the attached letter from Barclays stating that I would receive a credit for the above amount of {$1300.00} on my next statement. Unfortunately, only {$920.00} has been credited back to me for that charge ( see attachment below for portion of XX/XX/XXXX bill ). Additionally, none of the interest related to the disputed charge has been credited back, and interest has continued to accrue since XXXX of XXXX. I had received assurances from numerous representatives from Barclays that interest would not accrue since I had filed a dispute, yet it is still has continued to accrue sixteen months later. I have called Barclays numerous times since XX/XX/XXXX as well, and I have yet to receive an adequate response as to why I was not credited back the additional {$420.00}, as well as the related interest, which is {$280.00} at this point. This has been extremely aggravating for me, as I have never missed a payment with the company, and I have paid every bill in full since I became a member in XXXX.
I mailed a certified letter to Barclays on XX/XX/XXXX. The letter and return receipt are attached below. I still have not received a response from Barclays on this, and when I follow up with them regarding this matter, they tell me there is nothing more that they can do.
This has been extremely aggravating for me, as I have been told by Barclays twice throughout this time that I would be made whole, as well as having my interest refunded on the outstanding charge. Nonetheless, I have not been credited back the full amount, nor have I been refunded any accrued interest related to this dispute. This has gone on for sixteen months with numerous calls on my end to Barclays, but still has not come to a fair resolution. I respectfully request the CFPB to assist with this dispute. I am happy to provide any additional information the Bureau, or Barclays, may need.
|
| 05/23/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
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My name is XXXX XXXX and I was in a XXXX flight XXXX on XX/XX/2019.
I feel that prior to the flight, i was subject to the fraudulent scam perpetrated on my by XXXX reservation agent. I was trying to change my seat assignment on Friday, XX/XX/XXXX, since i was traveling with my husband and our young grand daughter, i wanted to seat in the middle of the plane. I XXXX XXXX and found the phone number in the XXXX. I spoke to someone who identified themselves as XXXX reservation specialist and was told that there was a promotion and i could move my seats, but there was some glitch in the system and i had to quickly go to the closest store and buy prepaid XXXX cards in the amount of the full ticket price, the invoice with XXXX logo was forwarded to my email address, please see attached. When i questioned this request, i was told that my current reservation was cancelled and if i still wanted to travel, prepaid cards in the amount of {$1800.00}, was the only way to retain my reservation. I felt that i had no choice but to buy the prepaid cards to accommodate the XXXX agent request. Since i called XXXX myself, I had no suspicions that i was not dealing with XXXX reservations representative. I was also sent an invoice by email as well with the XXXX logo.
After the call ended, I was told that i became a victim of fraudulent scheme, and XXXX reservations whose number i saw in the XXXX search, was not a real XXXX number, my real reservation was not affected, but i was swindled out of {$1.00}, XXXX which i paid by my credit card. I am very upset and outraged that XXXX does not monitor the fake XXXX numbers that appear in XXXX searches. I feel that its your responsibility to protect your customers and the validity of your XXXX searches. Im retires and on fixed income, this fake XXXX bill presents a huge hardship for me and i feel that XXXX should be responsible and held liable for the fact that you don '' t protect your XXXX searches. I am attaching all the relevant information for you and hope that you will be able to assist in this matter.
I contacted my credit card it's Barclays bank account ending with XXXX and told them that I was a victim of a scam and the credit card does not do investigation for scam and keeps charging me the amount.I was contacted to what I thought was XXXX XXXX and it was a scammer who took away my money and I only realized after a few transactions.
Please help me to investigate this transactions and reimburse for the money I myself did not use.
I reported this issue to FTC and XXXX as well Best regards, XXXX XXXX XXXX Here is the phone numbers XXXX XXXX XXXX XXXX XXXX Here is the invoice with the XXXX logo which I received by mail.
XXXX XXXX XXXXXXXX
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| 02/17/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Hello, On XX/XX/XXXX, I authorized XXXX to charge my Barclay 's XXXX MasterCard in the amount of {$750.00} with the understanding the money would be deposited to my account to be used. XXXX ended up charging my card a total amount of {$840.00} which was an overcharge of {$93.00}. I reached out to Barclays to file a dispute and they did, XXXX, but only for the overcharge amount of {$93.00}. When XXXX found out, they immediately pulled ALL of the funds out of the account, took my credit card off their file and suggested I should have raised the issue with them versus going thru Barclays. They also took some of my " winnings '' and suggested they won't put anything back into my account until I redeposit the {$750.00}. I explained to them that their processor only credited back the overcharge and therefore they are not going to put the money back in my account.
I attempted to work with Barclays but they insisted that I can only fax over the evidence or mail via US Post Office. I shared the challenges of doing this during a Global pandemic and they shared they don't care and that is the only way to communicate with them.
In checking my credit card on line looking to see if they have resolved the issue I then noticed on XX/XX/XXXX XXXX fraudulently charged my Credit Card in the amount of {$870.00}. I reached back out to Barclays and created a 2nd dispute, XXXX XXXX. I was able to take screen shots of my chat conversations where they admitted that they : credited back the entire {$840.00}, took all the money out of my account, and never even charged my card for the XX/XX/XXXX charge. I sent all of this via US Mail to Barclays as evidence of fraud.
Barclays has done everything they can to give me the run around and not look out for me regardless of the fact I have an XXXX credit score and have NEVER had debt collection or disputes in my life. They didn't seem to care.
On XX/XX/XXXX I received correspondence from Barclays that the fraudulent charge on XX/XX/XXXX was closed and the ruling was not in my favor with the comment " The chip on the card was read and validated during the authorization process or CCV was confirmed '' which would be true if they had my CC on file, which they did, but does not mean I authorized it and AGAIN, I HAVE CHAT CONFIRMATION STATING THEY NEVER RAN THE CARD THE 2ND TIME ON XX/XX/XXXX.
Barclays advised that chat messages are like text messages and are not legally binding but I can share dozens of cases where text messages have been used in a court of law and view this as yet another example of unethical business practices by Barclay.
I am not paying those outstanding charges and need to understand what Legal recourse I have.
Thanks, XXXX XXXX
|
| 02/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Older American, Servicemember |
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In a previous complaint : XXXX XXXX XXXX XXXX XXXX, On XX/XX/XXXX, XXXX filed an erroneous " Company 's Response '' to the CFPB.
Containing a misleading statement and supported that criminal act of perjury with a fraudulently altered document.
1 - Statement : Verse 7 : Reads " The complainant is encouraged to send the executed stipulation and the first monthly payment of XXXX to the firm on or before Friday, XX/XX/2020 ''. ( See attached file : Response ) 2 - The Falsified Stipulation that was uploaded to support this claim States : Verse 4A : " Monthly payments of {$310.00} beginning on or before XX/XX/2020 " ( See attached files CFPB pg 1 and 2 ) 3 - Two days later. On XX/XX/2020. XXXX XXXX XXXX submitted to the Utah Court, a different version from that which it provided to the CFPB. Which states : Verse 4A : " Monthly payments of {$410.00} beginning on or before XX/XX/2020 " ( See attached files : Utah Court pg 1 and pg 2 ) 4 - XX/XX/XXXX vs XX/XX/XXXX 5 - These criminal acts were committed with the intent to hide the truthful Amended Stipulation, submitted to the Utah Court. Which is " Incapable of Performance ''. Intentionally created with an expired " Beginning Payment Due Date in an attempt to Defraud the Defendant of {$4100.00}.
6 - The intended Scam is to prevent the Defendant from being in compliance with the stipulation. Then force the Utah State Court to change the amount from {$7500.00} to {$11000.00} due to noncompliance. The difference being {$4100.00} 7 - {$11000.00} is the payment amount listed in the original stipulation that the complaint was about. XXXX XXXX excused it as a company error. Evidence of yet. Another lie.
8 - In a statement from XXXX XXXX XXXX. Lawyer XXXX XXXX XXXX, Utah State Bar ( XXXX ). Too ridiculous to explain. Please read his statement and argument to the court as an excuse for the fraudulent statement and altered document.
( Court Doc pg 1, 2, 3 ) 9 - In this statement. He lists XXXX 's Compliance Attorney as the person who committed the actual crimes of perjury and falsifying the document. Her, ( no name given ) superior officer, The Compliance Officer, is XXXX XXXX. The CEO of XXXX XXXX XXXX.
10 - Then in closing arguments. The Plaintiff, Barclays Bank Delaware is implicated as being a co-conspirator in this Scam.
11 - After the first complaint. I received a call on XX/XX/2020 from XXXX XXXX. A representative of Barclays Bank Delaware The phone number on my caller ID is : # XXXX. She may be the co-conspirator link for Barclays Bank Delaware. As referenced by Mr. XXXX XXXX XXXX. Attorney for the XXXX XXXX XXXX XXXX
Please Investigate the criminal acts. Committed towards your own Agency.
Thank You XXXX XXXX
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| 08/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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|
Web |
Servicemember |
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On XX/XX/XXXX, I submitted a complaint to CFPB ( XXXX ) regarding my Barclays account XXXX Below is my original complaint : On XX/XX/XXXX, XXXX XXXX from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, ME XXXX ( XXXX ) XXXX ) mailed a cashier 's check ( # XXXX ) for {$11000.00} to Barclays. XXXX XXXX provided me with a document showing the check was reconciled by Barclays on XX/XX/XXXX. However, the money was never credited to my account. On XX/XX/XXXX, I called Barclays and reported the issue. I provided them the check amount and number and they started an investigation. On XX/XX/XXXX, the company credited a " provisional credit payment '' of {$11000.00}. I received a letter stating the investigation did not produce the check in question so they put the {$11000.00} back onto my account on XX/XX/XXXX. This is reflected on my XX/XX/XXXX statement. On or about XX/XX/XXXX, I reached out again to Barclays and they asked that I fax a copy of the check to them. I did so and they money was credited back to my account. The issue is, I was still charged with late fees for the several months the check was pending. Also, my current amount due for a minimum payment {$670.00} with {$540.00} past due. I called them several times to have the payment amount adjusted to reflect the current balance on the card and also to make the appropriate credits towards any interest and late fees incurred due to the extended timeframe they could not locate the check. They continue to tell me that the balance due is " computer generated '' and they refuse to change it. So, my account has been locked and the company continues to call me to harass me by phone, along with continuing to add late fees onto my balance.
On XX/XX/XXXX, I received a response from XXXX at Barclays ( letter attached ) stating that the reason for the lost check was because I did not have the full account number on the check. Therefore, it was reconciled but was not added to my account. To clarify any confusion, as I stated in my original complaint, I was not the person who mailed the check to Barclays. Since this payment was part of a debt consolidation loan, XXXX XXXX XXXX mailed the check directly to Barclays. It is their policy. When I received this response from Barclays, I immediately called XXXX XXXX XXXX to notify them of this response and attempt to fix the issue. I showed them the response from Barclays. The credit union stated that they did not write the account number on the check because they included a copy of the most recent statement that I had sent to them when I was applying for the loan. I also attached a signed letterhead from the loan processor indicating they included the statement in the envelope with the check.
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| 06/12/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I have been a Gap card member since XXXX. I used to live in XXXX XXXX 6 years ago, and since have moved to Colorado, where I have resided the last 6 years. Last XXXX, Barclays sent a new Gap card to my XXXX XXXX address, where I was not living at the time, even though I had my address changed to my Colorado address through the Gap app. The new Gap card that was sent to my old XXXX XXXX address was somehow activated ( not by me ) and the person ( s ) who activated it made multiple purchases at Gap, XXXX XXXXXXXX, and Banana Republic around the XXXX XXXX area in the span of 5 days to an amount of about {$2000.00} worth of purchases. I have never spent that much ever on my Gap card in years, and all these purchases were made immediately after it was sent out to XXXX XXXX and activated. Since that time, collection agencies have been calling me to collect a debt of over {$2000.00}. I was not made aware until XXXX of XXXX, because I hadn't shopped at the Gap for months, and the card I had in my possession since XXXX was apparently expired, and the new card that was activated was a card I never knew about. I contacted my XXXX XXXX XXXX department, and an agent helped me navigate my case, and told me to write a police report ( which I have and was issued ) and we contacted the Barclays fraud department and made the claim. Barclays reviewed the information and refused to help, and said their information was correct, and they sent out the card to the cardmember at the address they had on file. The card was opened in my maiden name, ( XXXX ) and it was sent to the address I hadn't lived in for 6 years, which was in XXXX XXXX. Although I repeatedly told them that the information they had about me was incorrect and old, they refused to hear it, and told me they were not settling the case as fraud and I still owed a debt. They also could not explain how the card was activated when the perpetrator did not call from my phone on file, and they should not have had any personal information to activate it with. The last time I spoke to Barclays, the agent actually hung up on me, even though I was being completely respectful in trying to get an answer from them. I have a police report, I have proof I have lived in Colorado for 6 years, I have proof the charges were all made in the XXXX XXXX area in XXXX of XXXX when I did not reside there, I have proof my legal name is now XXXX XXXX and not XXXX XXXX, which the card was issued under, and I have proof I have barely charged so much as {$200.00} in XXXX year on my Gap card, let alone {$2000.00} in one week. I would like assistance in claiming fraud on this case, as my credit score has dropped significantly, and this is a burden on my life.
|
| 01/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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|
Web |
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The BarclaycardUS has a technical issue with scheduling repeat/auto payments online. On XX/XX/XXXX, I called a customer service agent and she had to schedule repeat payments for me over the phone because I couldn't do it from their desktop app ( didn't work ) and their mobile app doesn't have the feature. I got an email confirmation about the repeat payment being set for the next billing cycle.
The next due date was on XX/XX/2020. BarclaycardUS didn't pull the payment as scheduled from my checking account and charged me a late fee. I got on the phone with customer service, and the agent in charge immediately asked me to check with my bank. I asked her why would I need to do that, if I was sure that my bank had the money available and Barclays gave me a confirmation that they would pull the payment, she immediately changed her statement to say, it took two billing cycles for repeat payments to be effective to which I said that I needed to see where that information was posted because that was not my experience with previous Barclays repeat payments I set up myself or any other bank or service I have set up auto payments for, the information wasn't also communicated to me over the phone when I spoke to the agent to set up the repeat payments and it wasn't on the confirmation email, I requested to speak to a manager. The manager admitted there's no such policy, so basically this bank has employees trying to disregard people who need help, going as far as making up lies. The manager offered a {$25.00} credit that was immediately posted to my account, offered to waive the late fee, but it has been now more than 3 business days and it hasn't been waived and told me she would create an IT ticket to request my payment to be made effective. After 4 days of my payment being late, I decided to cancel the automatic payments altogether and make the payment myself manually, because I do not want to risk the bank reporting a late payment that wasn't my fault. I'm not describing the entirety of the conversation I had with the employee who lied to me, because it would take too long, this person lied several times, trying to basically get rid of me, and wouldn't pass me on to a manager immediately, I had to mention it several times. This bank wasted an entire hour of my time, and the situation was not entirely resolved. After all of this, all I got was a {$25.00} credit because the late payment fee hasn't been waived, the automatic payment wasn't pulled, and their website still doesn't work correctly. I had to clear cache and cookies and even after doing that it wouldn't work, the only way I discovered that I could schedule the repeat payments on my own was through incognito mode.
|
| 01/07/2016 |
Yes |
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Web |
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I opened a U.S. airways credit card about a year and a half ago.
1. I never received my original card. I never activated my original card. I forgot I ordered the card because I never received it or activated it.
2. I received an overdue bill for the credit card. I accrued a late payment charge because the card had an activation fee of around {$100.00} dollars, and thus started with a balance.
3. Upon receiving the overdue account notice, I immediately called Customer Support, and told them I never received the card. I pay the orginal {$100.00} activation fee to clear the balance. They sent me out a replacement card, and I was assured that the late fee would be reversed.
4. I receive my card in the mail in the mail and decide not to use it because of the poor experience.
5. A few months later, I check my mail and find another late fee on the account. It turns out they never reversed the original late charge! I now realize, I have been racking up late payments for a credit card that I never even activated, and had spent {$100.00} out of pocket for the privilege.
6. I call customer support for a second time I document the customer support call record this time : & lt ; NUMBER & gt ; They apologize profusely and tell me they 've successfully reversed the charges. I have her check the credit bureau to see if this dinged my credit history. She insisted that she talked to her team member and fixed my credit, by retracting their report.
7. I check my old e-mail account and see ANOTER LATE PAYMENT e-mail buried in my inbox. This could have was from a 'Barclays card ' which, apparently, my old U.S. Airways card had magically turned into.
8. I am livid, I escalate this request and reference the customer number, I am connected with a senior specialst and I stay on the line with her while she reverses is all of the charges. She is astounded when she finds out that these late payments were generated by an account balance of XXXX cents. How that XXXX cents got there, I have no idea, because I was told that all charges were reversed and there was a XXXX balance. She is angry that one of her customers has to deal with this, and is confused as to how or why the XXXX cents was in my account as I had a zero balance after the last horrible experience.
9. The customer service agent reverses each charge one by one and closes my account. I think I 've finally resolved it.
10. Now, months later, I check my e-mail and see ANOTHER LATE CHARGE NOTIFICATION FROM them. I have lost, time, money, and maybe even my credit score.
11. This is my story. I posted this to the Consumer Protection Bureau and social media so the public may be aware of the abhorrent business practices.
|
| 12/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
The problem is- Barclays cashed a payment check in amount of {$170.00} and did not credit the account. They have also ignored communication asking them to apply the credit. Essentially, they cashed the check and kept the money.
In case Barclays responds with we credited the account for {$170.00} I want to clarify something please. XXXX payments of {$170.00} were made. XXXX were electronic via the Barclays website. The third was a check. The XXXX electronic transactions went through as expected, on XX/XX/XXXX and XXXXXXXX XXXX. The third ( the check ) was cashed by Barclays on XX/XX/XXXX but not applied to the account.
If that is all the information you need you may stop reading. : - ) However, here is further background in case it is relevant This is the third time something like this has happened with Barclays! It can no longer be called a coincidence. I am concerned that this could be happening to other customers too, who might end up paying Barclays twice. I know thats what would have happened with my elderly mother. ( She is the primary on the account and I am an authorized user. ) She would have sent a second check for {$170.00}. However I am assisting her affairs now so I was able to catch it.
Similarly to the recent missing {$170.00}, the other XXXX times this happened a check was cashed but then the money seemed to disappear. Both times it was difficult and stressful getting Barclays to finally acknowledge the checks and credit the account. Were talking persistence being required. Phone calls and letters and waiting more phone calls and letters ( that they would say they never received ) and more waiting. My XXXX XXXX XXXX mother had to be involved in making some of these phone calls before it could finally be resolved.
( I should add that the phone number, address of where to send correspondence regarding errors as well as the fax number were accurately obtained from the bill itself. ) Alas, after the first XXXX problems with Barclays, my mom insisted on sticking with them so she could keep on earn points. Which brings us to the recent missing {$170.00} Over the past XXXX month I have sent XXXX faxes, each with images of the cashed check and a request to please credit the account. Barclays has not responded. This time around I wanted to avoid the phone calls and letters because previously those methods sent me in time consuming frustrating circles.
An additional aspect of this problem is that I think it is unfair to put an elderly woman in a situation where she is expected to navigate complexities in order to get her payment credited. I see this as perpetrating financial fraud against an elderly person, or anyone for that matter.
Thank you.
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| 05/26/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
The card involved in this issue is a Barclays US Visa. I ordered some merchandise online on XX/XX/20 which posted to my Barclays card on XX/XX/20. It never arrived. I contacted the seller on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20. They initially replied to the first email from XX/XX/20 on XX/XX/20 and said it was on it's way and then they never replied again. I filed a dispute Barclays on or around XX/XX/20. They never contacted me to resolve my dispute and just sent me a letter dated XX/XX/20 saying that they were closing my case and not crediting me the {$110.00} that I was charged by the merchant since the merchant provided proof of shipment and delivery. After I did research I found out that the merchant had sent me just a swatch of fabric in an envelope ( so they could provide tracking if asked ) and not the merchandise I purchased ( I was trying to purchase a pair of leggins and a shirt ). Once I saw that Barclays had closed my dispute I sent them a letter to the address the provided in their letter with the 10 days after receipt that they requested that I get back to them if I had more information. I provided all my emails to the merchant, a photo of the swatch I received in place of the merchandise I ordered, documents showing the links for the merchant were now no longer good and a letter explaining what happened. ( I still have copies of all and am attaching below. ) I also tried to call Barclays XX/XX/20 and XX/XX/20 and could never get through to anyone. I was on hold for over 45 min and then was disconnected. I did get a call back from a dispute manager, XXXX, almost a month after I sent the letter and I explained what happened and she said there was nothing they could do as I originally opened the dispute as " no merchandise received '' and since I got the swatch it wasn't a " no merchandise '' dispute it was " incorrect merchandise '' dispute and now since it was filed that way there was no way to change it so I was out of luck. I advised that this merchant was committing fraud and they said they there was nothing they could do and the {$110.00} would stand on my account. I asked to close my account immediately and she said she couldn't do it but she would transfer me to a customer service agent. She put me on hold. XXXX then came back on the line and said they were all busy and they would have to call me back. No call yet. Of course, another delay with this company. This is what they are supposed to do as my creditor. So as of now, I have nothing accomplished with Barclays : I have to pay for the {$110.00} fraudulent charge and they won't even let me close my account.
Barclay Case ID : XXXX Manager Call Back Case # : XXXX ( XXXX at Barclays )
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| 12/06/2016 |
Yes |
|
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Web |
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In XX/XX/XXXX I borrowed {$45000.00} on my XXXX XXXX XXXX XXXX XXXX XXXX, with a XXXX % APR for 1 year and a fixed interest rate of XXXX % thereafter. Meanwhile, my loan was sold to Barclay, who proceeded to charge me 16.99 % variable interest. For 3 years now I have spent HOURS on the phone with them, asking for them to XXXX ) produce the original contract ( which they claim to have never received in the purchase from XXXX, when I contacted XXXX, XXXX told me they had given it to Barclay, Barclay again never received, etc. ) ; XXXX ) honor the original XXXX 8.99 % interest rate ; XXXX ) provide me the courtesy of sorting this out. I have always paid above and beyond the minimum payment due. I always initiated above said phone calls. On various conversations, I was informed that the APR was reverted back to the XXXX FIXED rate, yet this never occurred. I also quit using the card as although I would pay in full that month 's charges, along with at least that month 's minimum loan payment, and always on time, yet interest always accrued on the current charges ( which never were beyond their 30 days due XXXX. Verbally, they claimed this was not to happen, yet on my statements, it always did. Just this last XX/XX/XXXX I was alerted by a recorded telephone message that my XX/XX/XXXX payment had not been received and is now past due. Until this point, I had never been late on this account. I had also sent in this payment. I called to find out what was going on, and they had attempted to take the money out of a checking account I had closed over a year ago ( which they had known about the account closure, as I had given them a different account from which to withdraw funds ). This caused the payment to be declined. I immediately called, and was told that late charges were removed and my payment was accepted. Upon receipt of this month 's ( XX/XX/XXXX ) bill, it showed me now owing twice the minimum payment due, and unbeknownst to me, XXXX of my XX/XX/XXXX 's over payment did not go towards the principal balance, but was applied toward XX/XX/XXXX 's amount due, subsequently accruing even more interest on the principal than their already unfair interest charges. This unfair practice happens over and over and when I call I do n't seem to get resolution, and no one gets to the bottom of this nightmare. I have yet to receive copies of the original contract, and I have never been a bad, defaulting or even late customer. I look forward to some sort of fair and courteous resolution. In frustration today, I advised them of my intent to file a complaint in regards to this matter, and the representative 's response to me was, " Do what you got to do, and good luck with that. ''
|
| 10/05/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I have had a XXXX XXXX XXXX XXXX account with funds accruing in it since at least XXXX. There is no way to communicate with XXXX other than email as they do not provide a phone number to call to talk to anyone. I have included a screenshot of the various email communications with XXXX over the years. Noteworthy, is an email in XX/XX/XXXX where they sent an email informing me that I needed to log into my account because I had been inactive for months and need to show activity on my account. I did so, and you will see there were a few emails from them after that through XXXX. I have not received email communication from them since XXXX.
This month, I went to log into my account as my XXXX kids are now in college and want to transfer the college savings account to pay for college. Upon logging in, I received a message ( see one of the attached screenshots ) that my account was closed due to 30 months of inactivity and that if I clicked the button they would reactivate my account in the amount of {$2100.00}. Since there is no other way to communicate with them other than email, I immediately emailed them requesting assistance with my missing funds and remaining balance. They created a " ticket '' ( again see screenshots ) and informed me a few days later that they had rectified the problem and reopened my account but took all the funds and left me with a {$0.00} balance!
In an absolute panic that they have now taken all my XXXX college fund money, I again emailed them and have not heard anything from them!! Please help me as I can not imagine that it is legal for them to take all my XXXX college savings account money like that- certainly not without informing me that some action was required on my part and also that they can simply seize the money that I have held in this account for all these years??!!
I am in absolute panic here that this has occurred, and I am in need of assistance. Please let me know if you need any other supporting details or information and I will provide what you need. I thank you very much in advance for your time and attention to this very serious theft of funds. Thank you.
Since it is a federally taxable XXXX XXXX account, I should have full reinstatement of all the funds that were in this account prior to them closing it without notification. There is no way for me to know the final balance at that time since they have subsequently erased it. The last balance I have is XX/XX/XXXX of {$2100.00} so I know it was more than that. Additionally, if they were willing to replace {$2100.00} when I initially tried to log back in this month, why would they be able to take that from me after I have requested their assistance for reinstatement?
|
| 09/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
We started our vacation from Connecticut to Florida on XX/XX/2021. On the way down we knew we would stop somewhere, so we opted to stay at the XXXX XXXX XXXX ( dog friendly ), South Carolina. We had dinner at the hotel, {$110.00} on the statement. The next morning we decided to spend one more night at the hotel. I went to the front desk to make the reservation, {$410.00} on statement. We left on XX/XX/XXXX to arrive at our hotel in XXXX, Florida.
When I received my statement from XXXX XXXX XXXX XXXX, there was a new charge to XXXX XXXX XXXX for {$2300.00}, with XX/XX/XXXX as the transaction day. I called the hotel to say the charge wasnt mine, they said I had to take it up with the Credit Card Company. I asked the name of the person that stayed in the room and they gave it to me. I did not recognize the name.
I called the XXXX XXXX to say the charge wasnt mine. They reversed the charges, only to reinstate them a few days later. I called to ask what happened and they told me that the hotel had my signature on file. I told them that was impossible as I was already in Florida. I did not lose the card as it is still in my posession.
Barclays sent me a letter on XX/XX/2021 requesting to call after they say they tried to call us several times without leaving messages. I called and they request proof of me not being at the hotel. I called the XXXX XXXX XXXX XXXX XXXX, XXXX, to request a detailed invoice to prove I stayed there from XX/XX/XXXX to XX/XX/XXXX. They emailed me the receipt.
On XX/XX/2021, I sent Barclays a letter explaining everything with the receipt from the XXXX XXXX XXXX. I was expecting to hear from them soon after that. They claim they called, but there are too many scam calls to pay attention to unknown numbers. And there were still no messages. Both my ex-wife and I, have tried a few times to call Barclays to resolve the issue, sometimes spending hours at a time on the phone repeating SSN, phone number, date of birth more than 100 times only to be hung up on, put on hold indefinitely, switched from the fraud department to the dispute department, and vise versa several times, told that supervisors were too busy to help us, but never getting a straight answer as to what was happening with the issue. When I called to ask what happened to the case with the evidence, the person on the phone tells me that they did get the letter and the receipt but nobody has looked at it yet.
I feel that Barclays is dragging their feet in the hope that I will just give up. I cant believe a big company such as Barclays can not recognize theyre in the wrong in a timely fashion. They have cost me money in interest charges and caused damage to my credit report.
|
| 04/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Barclay Bank Delaware sent me a billing statement dated XX/XX/XXXX for my UBER VISA SIGNATURE credit card. This billing statement included an invalid transaction dated XX/XX/XXXX posted XX/XX/XXXX from " XXXX XXXX XXXX XXXX '' in the amount of XXXX AUD which was converted to US {$95.00}.
On XX/XX/XXXX I wrote to Barclay Card Services at the address indicated on their billing statement for where to write when " You Find A Mistake On Your Statement '' and advised them that I did not have any recollection of this charge and requested a credit in the amount of US {$95.00} In the same letter I disputed a second charge dated XX/XX/XXXX from " XXXX XXXX '' in the amount of {$85.00} On XX/XX/XXXX Barclay Bank Delaware sent me a letter acknowledging the disputed charge of {$85.00} from " XXXX '' and indicated they would investigate the issue. They did NOT acknowledge the first disputed item of {$95.00} from " XXXX XXXX XXXX XXXX XXXX
On XX/XX/XXXX Barclay Bank Delaware sent me a letter acknowledging the disputed charge of {$85.00} and indicated they would issue a provisional credit while they investigated the issue. They did NOT acknowledge the first disputed item of {$95.00} from " XXXX XXXX XXXX XXXX ''.
On XX/XX/XXXX I wrote to Barclay Card Services at the address indicated on their billing statement for where to write when " You Find A Mistake On Your Statement ''. In this letter I thanked them for acknowledging the second disputed amount of {$85.00}. In this letter I reminded them of the first disputed amount of {$95.00} from " XXXX XXXX XXXX '' and notified them that had not yet acknowledged this billing dispute. In this letter I also requested credit for {$1.00} for the Finance Charge applied to my account on the XX/XX/XXXX statement for not paying the disputed amount of {$95.00} I reiterated that " I have no knowledge of this transaction and have not received services nor merchandise from this merchant ''.
On XX/XX/XXXX Barclay Bank Delaware sent me a letter acknowledging the disputed charge of {$95.00} from " XXXX XXXX XXXX '' that was billed to my account on XX/XX/XXXX and that they were referring the transaction to a dispute specialist who would investigate further.
On XX/XX/XXXX Barclay Bank Delaware sent me a letter saying that they " are unable to take further action on this disputed charge '' " due to the length of time that has passed since the charge posted to your account ''.
Barclay Bank Delaware only promptly investigated the second but not the first disputed charge of my letter of XX/XX/XXXX. Barclay Bank delayed their investigation of the first disputed charge is an error on their part and is a violation of federal regulations.
|
| 10/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Hello Sir/Ma'am, On XX/XX/20, I submitted a payment from XXXX XXXX to Barclays Bank Delweare ( BarclayUS.com ) in the amount of {$1000.00}. To this date that I'm contacting you regarding my concern, Barclay Bank has not applied the money toward my account, and further declared they can not find it and thus will not refund my payment. In the course of nine months, I have submitted proof of payment from chase over ten times. Barclay Resolution department has spoken via three way confirmation with XXXX XXXX confirming that the payment was in fact made, and that I have been given any physical proof of payment which is available. I have been given several case numbers by Barclay Bank Resolution center which I will provide below : XXXX SUPERVISOR XXXX XXXX XXXX XXXX XXXX XXXX ON XX/XX/20 XXXX from the Barclay Resolution center stated to me that he determined the payment was applied to the wrong account by Barclay bank. He further stated the last two digits of my account number were entered incorrectly by Barclay and it would be adjusted. After a week went by after speaking with XXXX, I received a letter from Barclay Bank stating my case was closed again with no resolution. On XXXX I called Barclay resolution to see why my case was closed, I was told the payment was not received once again. When I reminded the resolution employee XXXX from her department had said it was applied to the wrong account, I was told they could not find it anyway and thus my money was simply gone with no responsibility on the part of Barclay.
On XX/XX/20 I followed up once again on a three way call with a XXXX Claims representative ( XXXX ) to the Barclay Resolution Center. We spoke on a three way conversation with XXXX from Barclay who stated he can see the proof of payment from XXXX, but could do nothing to resolve my issue. Once again XXXX was reminded from the claims specialist working for XXXX XXXX on the three way call, that the payment was made and all proof has been submitted confirming payment.
After 9 months, Barclay Bank informed me they will not refund or apply my payment and it has been lost at my cost. I have provided the written proof they requested, I have gone to the Branch to gather proof as they have requested as well as having them speak with XXXX XXXX claim specialists who have determined and provided proof of the time and date the payment was sent and received by Barclay Bank. Despite this proof, Barclay still refuses to refund or apply payment to my account.
Thank you for any of your time in helping me to address this issue. This has been a very draining time for me and my family with all that Barclay Bank has put us through.
Respectfully XXXX XXXX
|
| 07/17/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
Older American |
|
On XX/XX/2019, I called XXXX and requested a {$10000.00} transfer from my XXXX XXXX XXXX XXXX XXXX ( Barclays ). The person I was working with was XXXX, ID XXXX. I asked her to transfer the monies to my checking account in XXXX XXXX, giving her the routing & account number ... Upon completion of the telephonic transaction, I was given reference # XXXX as a confirmation. I was told by XXXX that the monies would be deposited in my bank account no more than 10-15 days.
On XX/XX/2019, I checked my bank account & called the bank to find out that the transfer had never arrived to my account. I then called the XXXX XXXX XXXX XXXX ( Barclays ) was connected to someone named XXXX who worked in the Back Office.
I explained the situation regarding the transfer. XXXX said that the money had been transferred to the same account I had given her but to a person named XXXX XXXX.
Since I did not know an XXXX XXXX and wondered why it was not transferred to my bank account became extremely problematic. XXXX said that it was sent to the same account number, but to a different person. I asked her how this could happen and XXXX said that the person had made an error on the paper work & that it was not sent to my bank as requested. She said that she had never seen someone with the same account number. XXXX opened a case # XXXX and assured me that it would be resolved within a months time.
Shortly after the last conversation, I received my XXXX XXXX XXXX statement that showed I owed {$10000.00}. The {$100.00} was a service fee. Payment for the {$100.00}. would be due by XX/XX/2019. I called the phone number of the customer service ( XXXX ) and spoke with 2 persons ( XXXX XXXX XXXX ). They were of no help, so I requested a manager who might be familiar with my case. I spoke with XXXX and she assured me that no payments would be necessary until the matter was resolved. My concern was never receiving the monies and how this would possibly affect my credit. XXXX did state that a letter would be forthcoming that would give an explanation that no monies would be required until the issue was resolved.
A letter dated XX/XX/2019 from Barclays, XXXX XXXX XXXX, XXXX, DE XXXX stated that " a balance transfer in the amount of {$10000.00} to XXXX XXXX was posted to my account on XX/XX/2019 ''. It then mentioned that it would now take 60 days to complete the investigation.
To my relief, on the back of my statement from XXXX XXXX ( Barclays ), it was written that I have 60 days after the error appear on my statement to notify them in writing. It said you may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.
|
| 12/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX Date Opened : XX/XX/2014 Balance : {$31000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there are possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
|
| 10/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
XX/XX/XXXX : The Barclays Fraud department called me to alert me of suspicious activity on my XXXX XXXX XXXXXXXX XXXX # XXXX.
Immediately I said I do not use this card for in person transactions, I use it online only. These charges are not mine. Please close the card and refund the transactions.
The fraudulent charges span XX/XX/XXXX and XX/XX/XXXX. There are 8 charges at 4 retailers for a total of {$180.00}. A screenshot will be attached to this complaint.
I'm told the charges will be taken care of, so I do nothing.
XXXX : I notice the charges are still on my account. Sure that it was a mistake, I use the online tool to dispute.
Denied with no explanation.
Later in XXXX : I dispute again.
Denied with no explanation.
In XXXX, I dispute a third time. Denied.
I call. I am tossed around from department to department with no explanation. I spend an hour on the phone to be told I must speak with a manager and the only way to do so is to get a call back in the next 5-10 business days. I am told if i miss the call for any reason, they will not be calling back.
So I wait and I am called a number of times from the billing department. They're concerned about my late payment, despite being in the middle of a fraud dispute. For two weeks I answer every call, I am never called by a manager.
I call again. I spend another hour being passed from person to person and I am given no answers. Rinse and repeat. I spend XXXX hours in total trying to speak to a person about the matter, I am given no answers.
Eventually I am told by an employee that my dispute was denied because I didn't send any proof that I was not at these locations on XX/XX/XXXX and XXXX. When I ask what kind of proof to provide, he tells me to send in my work schedule via fax and that will be good enough.
XX/XX/XXXX : I fax in my work schedule, my explanation, my dispute.
My dispute is denied.
XX/XX/XXXX : I send another fax dispute. It include a photograph w/ my geo-location for the day, my schedule, an explanation and so on.
My dispute is denied.
XXXX. I call again after an hour I am transferred to a person who finally tells me that the reason my claims are being denied is that at one point over the past three months, I told one of the employees that I had the card in my possession. I explain to her that though I might have said this, it was a mistake. I do not have the card, I have searched my home. I do not make outside payments on this card, I do not visit these establishments.
I have spent HOURS talking to Barclays over the past three months. And still, I have not been granted access to any person who is willing to talk to me about these fraudulent charges.
|
| 03/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
in XXXX, My dad fell for a credit card stacking scam from a company called XXXX XXXX XXXX, which the FTC shut down in XXXX for the credit card stacking scam. He forced me to sign an agreement with XXXX XXXX to obtain business credit.
UNBEKNOWNST to us, XXXX XXXX and XXXX XXXX LIED and misrepresented themselves. XXXX XXXX applied for PERSONAL credit cards after INFLATING my income. My gullible father, a senior citizen, never received a copy of the application. XXXX XXXX applied for multiple credit cards in my name without my knowledge. I DID NOT apply for ANY card on my own. I have no idea what information they wrote in the applications. My dad was named an authorized user according to Barclays.
My dad made payments on all cards until XXXX when all of a sudden he wasn't able to do so. My credit was ruined as a result of this scam. I have spent YEARS settling with some of the companies. XXXX XXXX did a real investigation and found evidence of fraud.
Barclays alleges that I lived in North Carolina and since end of XXXX, I have been disputing this as well as the fact that this card was even mine to begin with. I only discovered the scam at the end of XXXX. I was not even aware that they had a XXXX phone number for me until just a few months ago. I have sent multiple letters and have been working with a credit repair company since XX/XX/XXXX. I have sent multiple letters for the past several months. Barclays claims it is investigating yet no one is able to answer my questions as to why they continuously report a North Carolina address to the credit bureaus or why they claim my dad was an authorized user when I didn't even apply for this card. Barclays ' response is to send me automatic generated letters claiming they did an investigation with no evidence of an investigation. Barclays has yet to prove how they verified my address and income during the application process when a true verification would have confirmed that the income and employment information was inflated and false. It is clear to me that Barclays did not verify any information during the application approval process and I suspect strongly that Barclays, along with XXXX, XXXX XXXX XXXX and other banks that XXXX XXXX applied for cards with, received some form of kickback from XXXX XXXX for automatically approving applications without verifying the information. True due diligence would have confirmed that I was living in NJ at the time and working in XXXX and that my income could not possibly have qualified me for a {$15000.00} credit card let alone over {$90000.00} as the email from XXXX shows XXXX Barclays can't seem to prove where they are getting their information from.
|
| 08/31/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Barclays credit card account, Barclays offers a lock card feature that disables any charges from being made to your credit card when enabled. I enabled this feature on one of my Barclays credit cards on XX/XX/2019. In May there was a fraudulent charge made against my Barclays credit card that was locked. Barclays never contacted me regarding this. On XX/XX/2019 Barclays reported my account delinquent to all 3 credit bureaus, causing my credit score to drop between 80-100 points ( depending on the bureau ). I got an email notification that my score dropped and started checking all of my accounts. I finally checked my Barclays locked credit card, thinking it couldnt be this card because it is locked. Well, it was that card. Immediately I called Barclays to find out whats going on. The customer service representative I spoke to acknowledged their mistake. He couldnt determine how or why my card was charged while it was locked but admitted it was a security flaw on their end. He told me all fees would be reversed and I wasnt held liable for the fraudulent charge. He also issued a new card with new card number. A few days later I checked my account and the new credit card was now unlocked but the late fees remained. I locked the card, and then called Barclays again. After waiting on hold for over 30 minutes I spoke to another customer service representative who again apologized for the inconvenience, and reversed the late payment charges. I raised the concern that I would like these updates to be reflected on my credit report since their initial reporting was 100 % inaccurate and false and my credit score dropped significantly. She told me that if I have any account disputes that I needed to submit them to the credit bureaus. I feel this is wrong and I, the consumer, is the only one paying the price for Barclays mistake. Barclays clearly states in the lock card disclaimer that no charges can be made to this card without unlocking it or my approval, this includes fraudulent charges. Barclays clearly allowed a fraudulent charge against my credit card that was locked for 3 months prior. The fact that Barclays quickly reported my account delinquent/negative but would not take any steps in fixing their mistake is a problem for me. Ive worked very hard to improve my credit and credit score and I feel very wronged as a consumer when I didnt do anything to cause the negative impacts and Barclays takes no accountability to correct their mistake. I would like my credit score and my credit report to have these negative marks removed permanently, and I would like my credit score restored the what it was prior to the fraudulent negative remarks. Thank you.
|
| 01/17/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
XX/XX/XXXX RE : Collection Account Account Number : Unknown- Barclays Bank Delawa ( opened on XX/XX/XXXX ) Dear Sir or Madam : I have recently obtained a copy of my credit report, and it shows that you have reported Barclay Card as " placed for collection ''. I have NEVER had an account with Barclay but I do believe my Ex-boyfriend XXXX XXXX used my information and opened a XXXX account for his childs mother and him committing fraud. Barclay told me because payments were made to the accounts I was liable for it, but there was no recognition from Barclay how it was approved, who signed for it, where payments were made, etc. I sent in paperwork several times to Barclay card showing them the police report. I have called time and time again trying to find a resolution but I never get responses from Barclay and they are always very rude to me saying they have recorded conversations where I said I wanted to pay only because I was scared about them ruining my credit score when I found it on my credit report. I was very young and scared and their tactics werent nice at all. This reporting placed by you is very disturbing and it is doing serious damage to my credit rating. For the past two years, I have been working diligently at improving my credit so that I can buy a house for my family and this keeps showing up and holding me back. As you know, you are required by law to make sure that bills are accurate and sent to the correct address. I have never received any bills or I would have contacted you immediately to notify you that I do not have an account with XXXX nor have I ever until now.
I hereby request that you take the following steps to remedy this situation : - Send me a notarized statement attesting to your compliance with all provisions of the Fair Credit Billing Act with respect to this account.
- Provide any and all documentary evidence of my indebtedness for all charges you claim including billing statements to me.
Please attend to my requests promptly as time is of the essence.
If I do not receive the above requests within the period prescribed by law, I will expect to receive written notification that you have, in fact, made the required deletions from your reports and that you have removed from my file any reference to the disputed account. If you can not provide the statements and documentary evidence required, then I insist you delete all negative references from your reports to XXXX, XXXX, and XXXX. I also require that you communicate with me only in writing. Please do not contact me by phone at any time for any reason.
**To verify my ID and my address, I am enclosing copies of my ID as well.
Sincerely, XXXX XXXX XXXX
|
| 03/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Here is the letter I sent to Barclays regarding this problem : Ever since I signed up for the AAdvantage Aviator credit card in XX/XX/, its been nothing but a nightmare.
I have never received an online invoice from Barclays for my account ending in XXXX, which has resulted in numerous and costly late fees.
Recently I received a letter from Barclays indicating both my credit line and my credit score had been reduced due to late payments.
When I called Barclays to investigate this problem, I was told that I had a XXXX ( {$0.00} ) balance at the end of XXXX XXXX but that there was a subsequent {$10.00} purchase on XX/XX/. The charge appears to be from XXXX XXXX with no indication of what it was for. I do not recognize this charge nor has Barclays been able to identify what it was for.
Because I never received an invoice from you, I was not aware of this charge for a purchase I never made and believed there was no outstanding balance on the account. Unbeknownst to me, my account began accumulating substantial late fees that now total {$72.00}. Without this charge the account wouldnt incurred no late charges, interest or fees. I have placed this charge in dispute ( see below ).
Last week, my husband XXXX XXXX made several attempts to rectify this situation by phone. With my authorization, he first spoke with an agent who understood the issue but lacked authorization to correct the problem. This agent scheduled a call back from a manager who would have the proper permission. The manager left a message.
When my husband returned the call, he spoke agent ID # XXXX and was told that he was no longer authorized ( despite this being the same day as he was authorized ) to discuss the issue so she wouldnt speak to him.
On my husbands third attempt, he spoke agent ID # LASMCK who said she was authorized to speak to him but refused to do anything about the situation. Consequently, my husband formally put the {$10.00} charge in dispute. Despite that, the letter I received indicates that this charge still hasnt been put into dispute.
I expect Barclays to remedy this situation by : 1. Removing the disputed {$10.00} charge from my account.
2. Canceling any and all late fees and interest. Without this charge the account had and would still have a {$0.00} balance. Late fees and interest are inappropriate.
3. Refunding the annual fee of {$99.00} given the excessive amount of time I have spent dealing with this problem.
4. Notifying XXXX XXXX and any other credit bureaus of the error so my credit score is restored.
5. Sending me a formal letter saying that the account is not in arrears and never has been.
6. Canceling my account immediately.
|
| 01/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have a business credit card with Barclays, a XXXX card. On XX/XX/XXXX I mailed in a payment by check for the full balance at the time, {$2600.00}, check # XXXX from XXXX XXXX XXXX. The face of the check had the last XXXX digits of my account number on it, and it was enclosed in a sheet of white paper with my full name and address and account number.
That payment was never credited, and on XX/XX/XXXX my payment went past due. Around that time my card was locked and i called to see what happened. I was told they never received the payment.
On XX/XX/XXXX the check was paid by my bank. When i discovered this I called on XX/XX/XXXX and spoke to a security person to confirm that Barclays had cashed the check. On the back of the check, was a stamp with the following : XXXX XXXXXXXX XXXX XXXXXXXX XXXX at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Barclays XXXX I spoke to XXXX, who was a manager. She said she would open a missing payments case so the matter could be resolved. She told me it would take a XXXX of days.
On XX/XX/XXXX the card was still locked and i called on the status of the missing payments case and spoke to manager XXXX XXXX. I was told a missing payments case had never been opened. XXXX XXXX opened a missing payments case # XXXX. She transferred me to XXXX in customer service to help me. XXXX told me that the payment HAD been located. XXXX told me that she could apply a credit to my account that would unlock my card within about a day.
On XX/XX/XXXX the card is still locked. I called and talked to XXXX XXXX who told me that the payment had NOT been located. XXXX told me the missing payments case would take XXXX days to to resolve. He also told me I would receive a letter in the mail with information from the investigation. I told him I was not at my home address, i was traveling, and could not receive mail until XX/XX/XXXX. He told me if i could not receive the letter the investigation would be closed. This is outrageous and unreasonable, as Barclays has my phone number, email address, and there is a " messages '' portal in my online Barclays account where they can communicate with me.
Barclays lost my check for nearly a month, locked my account and charged me finance fees and late fees. Then they cashed my check. They have the money, as of XX/XX/XXXX. Yet they give me conflicting information, fail to start the required missing payments case in a timely manner, and refuse to unlock my card, despite the fact that I PAID my balance and they received it. Now they tell me that because i am not at my home address to receive a paper letter, that the investigation will likely be closed and I suppose the payment never credited.
|
| 06/13/2015 |
Yes |
|
|
|
Web |
|
|
XX/XX/XXXX/XX/XX/2015 I was a victim of Identity Theft on my Barclays USAir Mastercard. I had used the card and made charges. One day I received an email that information had changed. I called and much to my dismay all my data was changed and no one would talk to me, I finally found an individual to help me. He assured me there was nothing to worry about and did n't even bring up the idea of canceling my card or identity theft. This individual I wish I still had his name did n't even know what identity theft was. I requested to speak with a manager and cancelled the card. I received a replacement card in XXXX 2015 and none of the data points were changed, I was locked out of my account but this time someone attempted to make a payment and pay my balance in full against my account on file. The only way I knew this was happening was due to the fact that my bank kept bouncing the payment, I called Barclays after the XXXX attempt and was told that they could not fix this issue and that they would have to wait. No one there seemed to be helpful for me at all. I was told that this would be fixed and the card canceled again. I got a new card and did not attempt activating it this time. Nothing happened, I did not get a new bill, I heard nothing from Barclays, I was told everything was taken care of, I tried logging in several times and no success, I spoke to several individuals who failed to assist me. I finally hear from Barclays near the end of XXXX 2015 that they close my account because of a payment that bounced, but I 've yet to request any payments because I have n't received a bill from them. Now as of XXXX XXXX, 2015 I find that Barclays charged off my account. I am extremely XXXX out because I was not aware this was happening, I have been trying to fix my credit by repaying timely for the past XXXX months on a great deal of my accounts. Now because a creditor fails to mail me bills, does n't respond to me, and when I called yesterday to discuss this issue has no resolve for me and is reading from a script I am at a loss. I explained that this XXXX person at Barclay 's on XXXX XXXX, 2015, that I am not denying that the charges are mine. I am simply at a loss because I received no billing statements, I was a victim of identity theft, I 've been calling in and have made an address change several times, he just keeps reading from a script and informing me that these are charges I made and I am responsible for the bill. What in the world am I to do? This is a manager who provides absolutely no resolve. Sure I will pay the bill but I want my credit repaired. I want the account shown closed and not as a CHARGE-OFF. How is this going to happen?
|
| 12/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
Servicemember |
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This is a slightly complicated issue, so bear with me : I had a XXXX XXXX years ago through Barclays Bank. I paid off the balance and closed the account back in 2018, and destroyed the card. XXXX balance, closed account.
Sometime this summer, Barclays accidentally mailed us a check for {$2800.00}. We thought it was related to something else that we were working on, a different transaction with a different company. We deposited the check and directed the funds to an expense.
This Fall, in XXXX, Barclays informed me that there was an error, and that they were placing the erroneous balance of {$2800.00} that we were accidentally sent by them, onto my closed credit card account. The closed credit card account now has a balance of {$2800.00}, and less now since we have made one payment through Barclays website. The balance has a high interest rate. We would like to use one of our ZERO interest cards to move the balance away from Barclays, and again, have this account eliminated.
Here 's the problem. We only have the last four digits of the credit card, even when we go into Barclays website to make a payment. We can not do any kind of balance transfer unless we have the entire credit card number, expiration date, and security code. We have none of this information. We can only make payments.
I called Barclays today and requested that they 1 ) reopen the account and send us a new card or 2 ) provide us with the information associated with the credit card or 3 ) provide us with some other way to access this account so that we can move the balance somewhere else. Even after escalating to a supervisor, I was told that they can not help us with my request. I was informed that the only option we have is to make payments to the currently closed credit card account that now has a balance on it. We get no statements, we have no credit card number - only the last four digits of this credit card that we paid off, closed years ago, that now has a new balance on it because they accidentally mailed us a check for {$2800.00}.
Listen - My wife and I have no problem with paying back money that we mistakenly accepted, even if the check was sent to us by accident. I am only asking for a way to have full access to this closed account so that we can apply a different payment solution than simply paying them payments on their website, with their ridiculous interest. Frankly, I believe they are scamming us a bit by forcing us to pay their interest and not reissuing a card. It's a closed account. Why were they able to put a balance on it, but they can not give us access to the account information?? That is really XXXX.
I hope you can help us resolve this.
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| 08/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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XX/XX/21 Used Convenience check # XXXX associated with my account that had 2 % conveyance fee for a company building a pavilion on my property. The check had to post by XX/XX/21.
XX/XX/21 Unidentified caller ( caller ID ) Left message at XXXX. Message was retrieved by me later that evening and it was Barclays security department verifying the check was written by me.
XX/XX/21 Called Barclays security department in the morning and was told the check was denied already ( less than 24 hours after their message ). I was bounced around between the security and customer service departments approximately 1 hour. The Barclay system disconnected my call several times during this timeframe, and I had to keep calling back in and re-explain the situation each time.
I was finally passed to the person at Barclays who actually creates their internal report of the denied checks. She reached out to a manager, put me on hold and my call was disconnected again. She called me back because I told her how many times I was disconnected. She said they got the check removed from the report and told me everything is fine and the check will clear.
XX/XX/21 Last day for convenience check to post for 2 % fee.
XX/XX/21 Received notice the check was denied again after confirmation the check was removed from the report and told it would clear. I had to scramble and pay the contractor by different means so the construction project wasnt removed from their schedule.
Once again, after several disconnected calls and a total of 2 hours and 55 minutes on the phone with Barclays, I was apologized to multiple times. No one could ever tell me why the check was denied again after I asked several times. I told them I was wronged in this whole scenario because now the conveyance fee is 3 % and I had to pay for the first half of the project by different means. Barclays agreed. I told them I plan to pay for the final half of the project with a conveyance check but its now 3 %.
I was instructed to use the 3 % check but call in and let them know I wrote the check so it is not declined again for fear of fraud. I was also instructed to wait until it posts then call in and I would be refunded the 1 % difference in the fee.
XX/XX/21 : Project is completed and the 2nd check, # XXXX associated with my account is written. Barclays as called and alerted the check was written, to whom it was written to and the amount and I was told it was noted in my account.
XX/XX/21 : As I was instructed on XX/XX/21, I called Barclays today to request the 1 % difference refunded to my account. After 3 people, 3 disconnections again I was told there is no record of any of this in my account.
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| 03/04/2017 |
Yes |
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- Credit line increase/decrease
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Web |
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I am a XXXX and currently a graduate student at the XXXX. I was trying to book an Air BnB but was prompted at the end of my booking that it could not be processed. I was well under my credit limit and had just recently paid my Barclay credit card. I called Barclays on XX/XX/XXXX ( US ) and was told that I only had {$270.00} of credit available. I assumed that my card number had been compromised and unauthorized purchased had been made. However, the representative told me that my credit limit had been lowered by {$700.00} due to information they received on XX/XX/XXXX ; therefore they dropped my credit limit that day. The fastest response time I 've ever seen. It takes 45 days to get a response to a complaint. The said they send a mailing to my address on file and that would have taken 7-10 days. No call, no email, not express, and no XXXX message ; as I had been in contact with Barclaycard 's during that time via XXXX and they were accessing my account information. In the last two weeks, I had a reimbursement put on my Barclaycard that was {$900.00}. Nonetheless, the manager I spoke to said this was a 'credit ' and not a 'payment. ' As I explained, I am overseas and was trying to avoid the time-consuming hassle of getting the payment in cash depositing it in my XXXX and then transferring it to my U.S. bank to make my monthly payment. They said I still needed to make a 'payment, ' so I made my monthly payment as well. The same day they replied to my XXXX message complaining about the customer service was the same day they lowered my credit amount. Barclays had just received XXXX the monthly minimum the same month they reduced my credit by {$700.00}. I could have just as easily nickeled and dimed them with minimum payment or taken that 'credit ' in cash but I was responsible. I raised a fuss on social media and had my credit downgraded. My credit rating had been steadily rising in the last year to around XXXX when they decided to lower my limit. I have XXXX credit cards including the Barclay card with a balance of around {$450.00} and a previous credit limit of {$1600.00}. I also have student loan debt like everyone else. I 'm unclear what this credit report could have said when I have been on top of my payments, and my credit score has been increasing each month and each year for the past two years. My ability to access Barclay via the app for the last 7-10 days has been nonexistent or significantly limited en=ven though my app is up to date. My XXXX address is XXXX. XXXX XXXX XXXX. I am currently living at XXXX. XXXX, XXXX, XXXX XXXX. Any paperwork they have sent has not arrived and I have received no information via email, app, or XXXX.
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| 10/24/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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To whom it may concern.
On XX/XX/XXXX, my card was compromised because I mistakenly responded to a phishing issue while apartment shopping. To make a long story short, I paid {$590.00} to an imposter of the apartment I was shopping, by mistake. I quickly noticed my mistake, and called Barclaycard to address it within two hours of the transaction. One of the associates assured me the charge did not push through, and, to his credit, promptly changed my card number, and I assumed it was the end of this matter. However, I later noticed the charge posted, and called to check again, and was told the charge did in fact go through. I am very disappointed that Barclay had not stopped the charge at the first opportunity when I had quickly reported the problem.
After three weeks of checking on the status and getting nowhere, on XXXX XXXX, I called Barclays and was told the disputes team could not do anything about this, and they transferred me to the fraud team. The fraud team said they had no record of this charge posting, and I was once again told the charge was still pending. This was very surprising to me as it had reflected on my statement for weeks. I was then told the charge would be canceled immediately and I would see an update within 24 hours. I checked, and saw no change within the 24 hours.
As I had promptly reported this before the charge had been posted ( as claimed by the first associate ), I expect to be reimbursed for this as this is clearly a mistake of the first associate I spoke to. Thank you for addressing this. Also, if you can track whom responded to my concern, some training issues seem to be in order. I want to mention that I have spent 3 hours over the course of more than five phone calls trying to address this matter. I am unsure about the staffing issues at Barclay, but each phone call required multiple departments and sometimes the waiting time for transferring has been over 30+ minutes.
I have attached my phone record to document I contacted Barclays the same day of the transaction as well as numerous follow-ups.
I want to also mention that it has become very difficult to get a hold of the correct department at Barclays in recent months. A few months ago while traveling, I needed to replace a non-working card, and could not get the right department to mail the card to a temporary address. I ended up going the rest of my travels without the card and replaced it back home. It's one thing to have good security, but I got conflicting information from multiple different departments and spent a lot of time navigating such when I could have been told upfront that the card could not be replaced for security reasons.
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| 10/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am writing here in order to elaborate on a prior complaint, # XXXX, made directly to CFPB over the phone on XX/XX/2022 because the original issue is not resolved. Please refer to the initial complaint, as well as my letter to XXXX Dispute Department dated XX/XX/2022 for clarity.
While carefully monitoring my credit activity with XXXX XXXX and through other means, I noticed a Hard Inquiry made on my XXXX records on XX/XX/2022 by Barclays which alarmed me because I did not recognize it as mine, nor did I have any prior affiliation with this Bank. I thus called XXXX and they referred me directly to Barclays, whom I called.
When I spoke to Barclays, they transferred me to their Security Team who informed me the inquiry came from a Store Credit Card filed at Old Navy. I then recalled dashing into an Old Navy at a shopping center I was at for other purposes during a heat wave in order to buy a few light weight t-shirts. I have not regularly shopped at Old Navy in years and had no real use for their store card since I do now have major credit cards I typically use.
I reached out again to Barclay 's Security Team and informed a supervisor there I had not authorized a hard inquiry upon checking out with a very pleasant cashier at XXXX XXXX, who must have assured me it was a " soft pull '' when I asked. A Hard inquiry, particularly at that point in time, I knew would not have been helpful to my goal of reestablishing a good credit score which I had been diligently working towards for a while since I had had no credit history for years. I thus emphasized to the supervisor that if I had authorized anything, it would have only been after I was assured it was a soft pull. The woman I spoke with then said they are not responsible for what the Cashiers at XXXX XXXX say.
I then got back in touch with XXXX since the Hard Inquiry recorded at that point in time was NOT a reflection of my current credit worthiness, nor of my own experience using credit. They then referred me to the FTC regarding this ; when I called them I was prompted to the CFPB because my issue is a financial or credit card related matter.
I am still requesting that this Hard Inquiry be deleted from XXXX 's record since I was given misinformation at the time it was made. I am also suggesting that cashiers checking out customers who offer a store card make it clear that they are filing an application backed by a major bank and also understand the distinction between a Hard Inquiry and a " soft pull '' when they are trained so this does not adversely effect other consumers going forward.
Thank you for your attention to this matter. I hope my issue can finally be resolved.
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| 09/22/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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I applied for the XXXX credit card administered by Barclay 's out of XXXX, Delaware on XX/XX/XXXX and was approved after a hard hit on my credit report with a score of XXXX. I have used my card several times over the past 6 years and have always made on time payments, never had a late payment. I used the lock feature on their mobile app to prevent anyone from stealing my card number and making charges.
On XX/XX/XXXX, I received notification from XXXX that my acceptance with Barclay 's had been closed dropping my credit score by XXXX points ( due to Barclay 's performing an unauthorized credit check for an unexplained reason ). I have never had a single late payment on ANY of my credit cards. Why Barclay 's chose to check my credit without obtaining my authorization is beyond me. I called them on XX/XX/XXXX to ask. I was not provided an answer and was told that I had been mauled a letter on XX/XX/XXXX, the same day that the account was closed. I received the letter just today and it mentions that the credit decision was based on inactivity in the past 3 months ( no information about this in any correspondence to me ever ) and high usage on one or more accounts on my credit report. It goes on to say that the consumer agency that provided information that influenced their decision was XXXX ( which also included my current score of XXXX which isn't much different than the score of XXXX XXXX years ago used in approving my account ). Then the letter turns around and makes a contradiction in that the " reporting agency played no part in their decision and is unable to supply specific reasons why Barclay 's has taken this action ''.
The reason that I believe Barclay 's has made this bad faith decision is because part of my income derives from a public assistance program, namely SSDI. The company has also recently asked my marital status which I found odd.
Upon learning of this unfortunate and discriminatory closure of my account, I immediately called Barclay 's and asked for a clarification on their decision to which I was told that I would receive a letter in the mail. I offered to make an immediate purchase to have the account reopened ( since I wasn't informed that a purchase within 3 months was a requirement ) and was told no and that they would not reopen my account but that I could apply for a new account ( which of course would have a much lower credit score because of a direct result of their decision to close my account ).
I have been discriminated against to which the Federal Equal Credit Opportunity Act specifically prohibits!
I deserve to have my account reopened and given the opportunity to make a purchase ( XXXX ).
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| 04/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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On XX/XX/XXXX, I logged into my Barclays account at https : //cards.barclaycardus.com/. I was able to view my account balance, payment history, and more as I have been able to since opening the card. Please note, the card was closed back in XXXX ; however, this has not prevented me from accessing my account to make payments.
After reviewing my account, I attempted to change my password as I received updated information from XXXX ( under " Password Settings '' ) that my password has been compromised due to redundant use. Therefore, I attempted to update my password. Eventually, after a few error messages I was able to successfully update my password but I could not access my account after being prompted to log in. I recorded the password both on my XXXX and via my XXXX but I received an error that my credentials were wrong.
I attempted to use the " Password Reset '' feature but I was asked to provide the XXXX code ; however, I have not had the card for five years or more. The account is closed.
I called customer service and they advised that since the account was closed, I no longer would have access to the account after six months from the closing of the account but this is not correct. I've logged into my account every month to pay my bill. To add, I've taken a more aggressive approach ; therefore, I make multiple payments each month. I advised that the information about me not having access was incorrect as I just accessed my account, saw that balance was about {$260.00} remaining and I experienced an issue only because of the password reset request.
Although pleasant, the representative proceeded to attempt to collect a payment from me although I've already paid for this month. I am attempting to purchase a home and I need access to my statements for financing. The representative repeatedly advised that there is no fee to retrieve payment via phone ; however, that was not the goal of the call.
I feel as though this violates a convenience or ease of payment methods to adequately manage my account. Additionally, this error may have occurred as a deceptive practice to force individuals to pay their account in full. I was about to pay but I was extremely upset with the alleged practice as I'm in finance.
I've attached the confirmation advising that I have successfully changed my password, and other confirmation emails advising of credit score changes and payment activity in which they all prompt me to log into my account ONLINE to view all activity. This is contradictory to what the representative disclosed. The only document that does not prompt me to log into my online account is the password confirmation email.
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| 04/21/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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VALIDATION OF ACCOUNT Account # : XXXX To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company $ XXXX.
This letter is being sent to you in response to an entry made on my Credit Report dated [ date ]. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested.
Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.
Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.
Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.
4. What was the original date of delinquency for this account?
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.
6. What did you pay for this account, and how did you calculate the current amount owed?
I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages.
In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed.
I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation.
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| 10/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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XXXX XXXX XXXX Master Card 2021 Barclays Bank Delaware XXXX XXXX XXXX XXXX, DE XXXX Re : Notice of unauthorized charges to Account No. ending in XXXX Billing Inquiries Division : I am writing to dispute a total unauthorized charge in the total amount of {$1100.00} to my XXXX XXXX XXXX Master Card account between XX/XX/XXXX and XX/XX/2021.
During my visit to XXXX, XXXX, my credit card was lost and as result, 8 unauthorized charges were made in the account. On XX/XX/XXXX, after receiving an email alert from Barclays fraud department, I realized the credit card was not in my possession, I logged into my account and could confirmed with the bank that several unauthorized charges have been made in my credit card account.
On XX/XX/XXXX on the day of my return to the United States, I logged back into my account and realized all fraudulent charges were posted back as mine, I decided to contacted the fraud department and I was informed that Case # xxxx have been closed without any further explanation, then, I was transferred to a Fraud Specialist call XXXX in XXXX, who explained to me that I would have to proof I did not made those fraudulent charges since charges were made while I was still in XXXX.
On Monday XX/XX/XXXX, I decided to call back and spoke with XXXX, another fraud specialist in XXXX, who assured to me everything was right and all fraudulent charges would be removed from my account during the next XXXX charging cycles while the investigation was in process, which have being completely inaccurate since all fraudulent charges remain in my account as XX/XX/2021.
Since XX/XX/2021, I had spent several hours trying to get in contact with their fraud department for further explanation to no avail, I had been put on hold several times for hours, waiting to speak to XXXX XXXX XXXX Mastercard fraud department without success.
As consequence, the fraudulent charges continue to be posted in my account and the dispute amount reflected in the total balance, high interest continue to be accrued, affecting my credit score and my peace of mind. In addition, after many attempts, I havent been able to communicate with any fraud specialist to explain to me what is the reason of the arbitrating decision of closing a fraudulent case and forcing unauthorized charges into my account.
This is a clear violation of my rights as consumer and violated The United States Federal Consumer Financial laws, in addition, using false benefits as {$0.00} fraud protection benefit offered in your promotional material to acquire new customers, it constitutes use of deceptive and false advertising to misleading them into purchasing your service.
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| 05/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XX/XX/XXXX I opened a formal dispute to Barclays Bank of charges to XXXX XXXX XXXX in the amount of {$4700.00} for the months if XX/XX/XXXX through XX/XX/XXXX for services that were not rendered for a vacation resulting in a conflict of agreement with the merchant. XXXX XXXX XXXX failed to make contractual payments to the hosting facility ( XXXX XXXX XXXX XXXX XXXX ) resulting in breach of contract and the cancellation of the planned event. XXXX Getaways notified their patrons 24 hours before the planned event via email. I emailed XXXX XXXX several times but received no response to confirm that the event had really been cancelled and how to get a refund. I attached a copy of the email as documentation to Barclay 's for review. Hard Rock XXXX XXXX released a statement stating that Music getaways breached the contract and there were no rooms reserved for Music Getaway guests.- I submitted that documentation for Barclay 's as well.
XXXX XXXX sent out several emails stating that they were at fault. I sent that documentation to Barclay 's as well.
In all, I sent Barclay 's XXXX pages of documentation of the cancelled event to support my case.
Barclays bank stated that the charges from XXXX XXXX were vaild and that the merchant provided XXXX pages of documentation that a credit had been added to my account for future events.
XX/XX/XXXX Second dispute to Barclay 's bank asking them to reopen my cases. I advised Barclay 's that I did not received tickets/nor credit from XXXX XXXX. I also in formed them that XXXX XXXX gave all customers the option to either receive a refund directly fom them or dispute the charges with his/her bank ( in which they would not contest ) or transfer to a future event. I provided documentation from the merchant 's website to support this claim.
Barclays bank closed the case stating the the merchant provided me with a credit for a future event and they would not honor my documentation. They did not even review the additional documentation submitted.
XX/XX/XXXX My third dispute to XXXX 's bank authorizing them to reopen my cases. I informed Barclay 's that XXXX XXXXs altered the original contract that was submitted to them. I provided a copy of the original for review. I elaborated that there is no information in the original signed document about a no refund policy/ nor a credit. XXXX XXXX submitted a fraudulent document to Barlcay 's Bank. XXXX XXXX has since wiped clean my account information and all future events have been cancelled.
I also informed Barclay 's Bank that XXXX XXXX has since filed bankruptcy and I provided the filing number and number to the court. I am awaiting a response.
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| 12/16/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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I have been disputing XXXX fraudulent charges with Barclay card since XX/XX/XXXX. Initially, they refunded all of the charges and " opened an investigation ''. I was never contacted to provide additional information. In XXXX, they closed the case and put the charges back on my account. I was not aware of this until I checked my account in XXXX. I contacted them to complain that nobody had even contacted me. They reopened my disputes and told me I would receive paperwork containing the merchant 's reply in " 7 to 10 business days ''. It did not come. I contacted them again. The person I spoke to said no documentation had been requested and that she would request it but it would again take " 7 to 10 business days ''. I still have not received it. I called again today, was again told the paperwork would be requested again. I verified the mailing address. I was told yet again I need to wait another " 7 to 10 business days ''. This process with Barclay card has been a nightmare. When I call, I have to go through the entire story again, nobody ever gives me the same information, and they wo n't let me talk to the disputes department. They have not issued any temporary credits so additionally interest is accruing every day. They really need a better dispute resolution process. XXXX has already lied to the police about this situation so having my credit card company causing additional stress is extremely frustrating.
Out of the XXXX initial disputes, XXXX remain open. They gave me new case number today which are, XXXX, XXXX, XXXX, & XXXX. The total of these claims is {$12000.00} I am attaching the story of the events that took place leading up to these disputes. An associate, XXXX, President of XXXX in XXXX, ultimately stole over {$40000.00} from me. I have an attorney and have retained a private investigator who specializes in white collar crimes. Based on information thus far, I will not be able to recover any of the funds from XXXX, but I am intending to press criminal charges. I would not have trusted this person without the introduction through a trusted source, XXXX 's extensive resume, and his association with " XXXX ''. Based on those references, I trusted someone I never should have. I resent the fact that I have to spend additional money on attorneys and a private investigator, not to mention the time it has taken me away from my business.
In addition to the above claimed amount, I have not been able to recover {$10000.00} from XXXX and {$12000.00} that had been wired from my bank account. The transactions took place from XX/XX/2016 through XX/XX/2016.
If you have any questions please do not hesitate to contact me.
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| 09/25/2015 |
Yes |
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Web |
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Barclay 's Bank closed my Barclay XXXX Card on XXXX XXXX, 2015 without notice and for no apparent reason. They simply sent me a letter indicating that " We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are unable to maintain an account with you because of your history of account usage. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement ''. At the time of closure, I had accumulated XXXX miles on my Barclay XXXX Card, but I can no longer access those miles due to the sudden closure of my account. It is a deceptive business practice to tell me that I can earn and redeem miles, but then just close my account out of the blue without compensating me for the value of the rewards that I earned. Barclay 's website states that you can " redeem your miles for travel statement credits, and earn 10 % miles back to use toward your next redemption ''. Therefore, the value of XXXX miles would be {$1300.00}, with 10 % of the miles ( XXXX ) being returned to my account after redemption, which could then be used for another redemption of {$130.00}, etc. The total value of those miles after just XXXX redemptions is worth {$1400.00}. It appears very deceptive that Barclays Bank would encourage customers to earn these miles and then close an account without notice or reasonable cause. I have been an excellent customer. My XXXX score has ranged between XXXX to XXXX over the past year, according to Barclaycard itself. I have never made a late payment, nor had a bounced payment. I have typically paid early because Barclays Bank sends out emails, stating " Why wait? Make a payment now '', encouraging early payments before the due date. Not only have I used this card for a significant amount of my spending, but I 've also responded to their promotional enticements. For example, Barclays Bank encourages the purchase of gift cards, such as offering XXXX extra points per dollar spent by buying XXXX XXXX XXXX XXXX through their Barclays XXXX XXXX online shopping portal ( See attachment ). I have done that and I have been deliberately trying to earn miles because Barclays Bank claims repeatedly that " there 's no limit to how many miles you can earn '' ( See attachment ). It is deceptive for this bank to entice people like me to use this card, accumulate a significant amount of rewards, and then suddenly remove those rewards from me without any notice or warning. I will consider this matter satisfactorily settled if my account is credited for {$1400.00}, the minimum amount that my earned miles are worth if redeemed for travel statement credits.
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| 04/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Barclays Bank Delaware sold a closed and charged off credit card account to a collection agency in XXXX ( XXXX XXXX ) The credit card account was opened in my name. Barclays states they no longer own this account and claim to have " no responsibility, access to files, or control over the reporting of this account whatsoever because they sold it. '' ( the account was sold for pennies on the dollar ) I personally spoke with a representative from the President 's office at Barclays Bank where I was given this information. But, Barclays Bank is continuing to report this account as one of their own active delinquent accounts to the three major credit bureaus, Barclays Bank is double reporting an account they do not own. Barclays bank is causing me significant harm by consistently reporting an account they already reported, charged off and sold. This account is being double reported ; the original creditor ( Barclays Bank ) is reporting this account monthly as an active past due account as well as a charged off and collections account. The collection agency that purchased the account ( XXXX XXXX XXXX ) is also reporting this account to all three major credit bureaus as an active collections account.
XXXX XXXX XXXX is aggressively trying to obtain a judgment against me in court for this account. When the Attorney General for the Commonwealth of Massachusetts sued XXXX XXXX XXXX in XXXX the Commonwealth won a class action lawsuit against XXXX XXXX for violating numerous consumer protection and debt collections laws. A significant part of the settlement agreement ( in addition to the many millions of dollars they were ordered to pay ) XXXX XXXX agreed to halt collection activity against XXXX individuals such as myself. that only receive SSDI as a sole source of income. In the settlement XXXX XXXX agreed were ordered to stop collection activity from Social Security XXXX ( SSDI ) recipients. In short not only is XXXX XXXX in flagrant violation of the terms of their very own settlement agreement both Barclays Bank and XXXX XXXX are double reporting an account with inaccurate information for " profit and loss reporting purposes ''. As if all of this were not bad enough, the information being reported is completely wrong in terms of what was owed, what payments were made right up until the bank decided to take a charge off. XXXX XXXX is in violation of the law for breaching the terms of the settlement agreement signed by them and the AG 's office for the Commonwealth of Massachusetts. Barclays is in violation of the law for doubling reporting this account and continuing take it as a collections account and loss after they sold it.
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| 07/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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|
Web |
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Hello my name is XXXX XXXX. I am writing with great concern and disappointment regarding an issue I am currently experiencing with my credit card company.
I have been a loyal customer of Barclays credit card for several years now, ensuring all my payments are made in a timely fashion, even in the face of difficult circumstances. Recently, however, I found myself in a situation that necessitated a request for some temporary assistance from their company due to financial hardship.
As you may be aware, the economic situation has been challenging for many families, including mine. I recently lost my job and my household income has reduced significantly. Despite this setback, I have strived to continue making payments on my account to maintain my good credit standing.
I know CFBP has been a strong consumer advocate and often direct consumers to contact their credit card in a time of need. In view of this, On XX/XX/202 I completed an online request for a repayment plan, on XX/XX/XXXX, I received an email advising that I was denied. On XX/XX/2023 I reached out to their customer service, seeking help. My request was to see if my interest rate could be lowered or to facilitate a credit repayment plan that would allow me to continue making payments, albeit at a lower amount.
To my surprise and disappointment, I was advised that in order to access any form of assistance, my account would first need to be delinquent or default. On XX/XX/2023, I wrote letter to XXXX XXXX the CEO explaining to him my concern. On XXXX XXXX someone from XXXX executive team called and left me voice message advising that they did received my email and would follow up with me shortly. On XX/XX/2023, XXXX from the XXXXxecutive team called to advise me they had no program available for me and that I would have be in default to take advantage of any repayment program.
This is not only counterintuitive but also contradicts the general advice of CFPB advising consumers to contact credit companies at the first sign of financial distress. Also because my careers is in the financial industry, being in default my be detrimental on my career.
This policy seems to penalize customers who are proactive in their financial management and are trying to avoid default. This condition leaves me in a precarious position as I try to do the right thing by maintaining my commitment to their company, while also caring for the wellbeing of my family.
I am reaching out to CFPB in hopes of some form of assistance.
I look forward to hearing from you and positive resolution that does not entail damaging my creditworthiness.
My credit card acct ending in XXXX XXXX XXXX
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| 09/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
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Web |
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On XX/XX/2019, I was invited to attend a presentation for a XXXX XXXX XXXX I was told the presentation would last 1.5 hours, my family was kept there for 4.5 hours.
The representative for XXXX XXXX convinced us to join their organization. They promised my children a trip to XXXX, us a trip to XXXX, a gift card to a restaurant and we we would be under no obligation and could cancel at anytime. We told the floor supervisor that we would not qualify for this we had too much debt.
The floor manger took both our licenses and told us she would try to get us approved for for financing and left us in the lobby. She came back and told us, that my husband was approved for {$10000.00} and I was approved for {$6000.00}. We never applied for the credit cards, it was all done by someone there. We were in another room and had no input. I was not informed of the credit terms and did not know they had applied for credit with XXXX and affiliate of XXXX XXXX XXXX. XXXX XXXX lines is one of the stakeholders being sold in the package they offered us. At the end of the presentation when they ushered us into a room to sign a stack of 55 pages. During this time the closing agent XXXX XXXX was talking up the company and talking a mile a minute distracting us. However both my husband and I repeatedly asked him if we could cancel at any time, and we were assured that yes we could. We were given this assurance by the sales agent XXXX, the floor supervisor, and the closing agent. I wanted time to review the documents. All these people lied to us.
When I tried to cancel 2 weeks later I was told that I could cancel the contract but would be held liable for the credit card expense. When I spoke with the credit card company that told me that if we did not pay our credit would be ruined. We began making payments while trying to get the contract cancelled. We had an attorney send a letter out to XXXX XXXX and they did not respond to us. I called and wrote to the director and a gentleman by the name of XXXX XXXX with no clear response.
When COVID -19 impacted the world the credit card company raised the monthly payments. We could no longer make the payments for a product we did not receive. In reading the documents later I found out if I miss a payment for renewal, they have the right to void the membership. Even though XXXX XXXX collected {$160000.00}. We are currently being sued for a debt we did not willing and lawfully apply for, we have not received any good or services to date, one of the gifts promised had ever been received. As a consumer I need to find a legal resolution to this issue.
Please help me find resolution to this issue.
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| 02/23/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Older American |
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In the spring of 2016 I joined a gym called XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. In XXXX timeframe I made several attempts to contact the owner by phone and at the gym. I needed to cancel my membership due to the loss of my husband from XXXX and the fact I was moving back to Missouri. The contract said they needed a 30 day notice and I was giving them 60 days notice. I could not under any circumstances catch up with the owner by phone or at the gym. He would NEVER return my calls. So, in XX/XX/XXXX I put my gym key and a note in an envelope and left it at the gym on his desk. On XX/XX/XXXX I moved 455 miles away from XXXX XXXX XXXX to XXXX XXXX. I assumed he had cancelled my membership. The end of XX/XX/ I was charged once again on my credit card for the membership fee. I called my Credit Card company, XXXX to dispute the charges. I told Barkleycardus do NOT pay any charges to this business. My membership was cancelled and by key was returned. A few days later the owner, whom I still do not know his name, called me and proceeded to cuss me out, threaten me, and told me he was suing me. I called my attorney who said he had no grounds for anything. I told my credit card company to not pay any charges to this business and thought it was taken care of. I have since found out that even though this man knew I was 455 miles away he continued to bill my credit card company and they continued to pay him to the tune of over 500 dollars plus 9.5 % interest. Now my credit card company wants me to pay them even though this gym committed fraud and basically stole from me. I filed a complaint with the XXXX of XXXX and he started emailing me. Nasty as usual and then tells me he has suspended my account. I had to cancel my credit card so he could not make any further charges on this card. Also, when I signed up for this service his son made the remark that I wouldn't believe how many people sign up and never use the service and they just collect the money. This man is running a scam. He is a thief and he knew in XX/XX/XXXX I was in XXXX and he knew I had cancelled my membership but he continually charged my card. My problem was not going over my statement. I always had a balance so I never picked up on the XXXX bucks a month he was hitting me for. Some months he even charged me XXXX dollars. I was furious with my credit card company for paying when I told them not to and for him just bluntly committing fraud. XXXX KNEW they were suppose to stop any and all payments submitted by XXXX XXXX XXXX XXXX XXXX. However, they continued to pay his charges knowing the membership was cancelled and knowing I was living in another state.
|
| 12/09/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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|
Web |
Servicemember |
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Juniper, a branch of Barclay, refused to unlock my online account because i did not have a copy of my physical credit card. My account became locked because, while logging in to make my timely monthly payment, i forgot my password and when i attempted to reset it i was expected to know my account number which is not printed on my statement. I called and explained that i have destroyed my card so that i do not use it and i asked them not to send me a new card because it could be intercepted in the mail. I have an ex husband that has stolen peoples identities in the past. They told me i can not make online payments any longer and that i can call every month to make my payment because i will not allow them to send me a new card and without a card i can not get my online access password reset. For the remaining time i have a balance with them, i can not check my balance or transactions online.
Customer service and the customer services member 's supervisor and the escalation manager all stated that it is their policy that i have to have a card. I explained that there are a number of ways to verify my identity in a secure fashion and DEMANDING i have a physical card to reset my online password is ridiculous. I said they could send me a piece of mail to my home address, i said you could text me a new password or email me a new password, however, they insist that i will now always have to make my payments and check my transactions by phone or by paper.
i said it is standard, in XX/XX/XXXX, for companies to have online systems customers use and they are blocking me from having standard access because i will not allow them to send me a new card, however, they said it is their policy and there is nothing they can do about it. I have been making payments and not using my card for probably 2 years and i believe i have not been late, however, none of this mattered ; they insist i allow them to send me a new card.
i believe this policy exists to entice people into ensuring that people like myself who are trying to get out of credit card debt have copies of their cards so that they are more likely to use them. I am sure statistically people who have a card in their wallet are more likely to use credit services than if they do not have a card. I also believe this is a way they are attempting to earn late fees from an individual that is trying to get away from their company by making it difficult, and non standard, for people to make payments.
I locked myself out of my account last week XX/XX/XXXX to around XX/XX/XXXX. i wanted to see if i had already made my XX/XX/XXXX payment or not when my online account became locked.
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| 01/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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|
Web |
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I received a bill from Barclay 's ( Aviator Mastercard ) around XXXX XXXX, XXXX. I had a late fee and interest charges totaling {$42.00}. I looked at my bank statement ( XXXX XXXX XXXX ) because I had sent the payment of {$300.00} on XX/XX/XXXX but it did not get debited from my account until XX/XX/XXXX. I thought it was matter of overlap with the payment and billing cycle so I held onto my bill to research later. On XX/XX/XXXX, I received notification that a purchase, which was already set up to pay with my Aviator card, was denied. I called Barclay 's ( Aviator ) to investigate. I spoke with XXXX and was informed my account was in arrears and they had no record of my XX/XX/XXXX payment of {$300.00}. I called XXXX while I had Barclay 's on the phone and the agent verified that the payment was debited from my checking account on XX/XX/XXXX and they had a copy of the check stamped by XXXX XXXX, who I assume is the payment processor. Barclay 's told me they would start a " missing payment inquiry '' but it could take 25 days and I could not use my card in the meantime. However, I am still accruing late charges and interest. I told them I was NOT going to make my XX/XX/XXXX payment until they find my previous payment. I called Barclay 's again on XX/XX/XXXX to check the status. I asked for a supervisor, was put on hold for 20+ minutes and then disconnected. I am concerned about this process taking so long, my missing {$300.00}, and the fact that they have no qualms about my account being put in arrears, which negatively affects my credit! They would not simply suspend or put my account on hold. My concern is that my payment is being held so late charges and interest can accrue. This seems to be an ongoing issue, as for the last 3 months, my payment has taken 7-10 days to post to my account. I have accrued late fees despite sending to payment in a timely fashion. I am concerned since I have a positive credit history with all of my accounts. I feel Barclay's/XXXX XXXX are intentionally not processing payments until after the due date in order to charge late fees and interest. It is also of interest that I was told on XX/XX/XXXX that the missing payment inquiry was started on XXXX XXXX. I know I did not call Barclay 's on that day, as it was a Saturday and was my birthday. I did not inquire about my payment until XX/XX/XXXX so why was an inquiry started nearly 2 weeks earlier? Could it be to make it LOOK like they were searching for my " missing '' payment? Also incidentally, if an inquiry takes 25 days and was started on XX/XX/XXXX, the end date of the inquiry is XX/XX/XXXX, my next payment due date. Interesting.
|
| 11/13/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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In mid-XXXX 2019 I called Barclaycard to request a replacement card because the chip was malfunctioning. On XX/XX/ 2019, I still had not received my new card, I received two e-mails from Barclaycard. The first stated that my new card had been activated and the second stated that my PIN number had been changed. As soon as I read these e-mails I logged onto my account and I saw a charge for {$900.00} that I did not make listed under temporary authorizations. I immediately contacted Barclaycard and informed them that I never received the credit card and therefore did not activate it or change the PIN number. They verified the last known purchase I had made, which was for XXXX XXXX the day before. They asked me if I made a purchase at a XXXX gas station and I replied no. They stated that they would remove the charges, open a fraud investigation on the charges, and issue a new card. This time the card would be mailed via XXXX with tracking. On XX/XX/ 2019 I received a voice message from the fraud department at Barclaycard stating they had some additional questions regarding my claim. I called back and received a message stating the department was closed on Sundays. I left a message and asked for a call back. On XX/XX/ 2019 I called Barclaycard again because they had not returned my phone call. I was told by the agent that I will be receiving a letter dated XX/XX//2019 indicating my claim was denied. I was told that my claim was denied because their system showed that the credit card was activated from my phone number on file and that the charges would be placed back on my account. I informed the agent that this was impossible because the phone number associated with my account is my cell phone and I had my phone in my possession the entire day, spending my afternoon/evening at my daughters dance recital. The agent informed me that the charge for {$900.00} was a cash withdrawal from a XXXX XXXX XXXX that was located 7 miles from my home. She suggested that I file a police report to see if surveillance footage could be optioned to aid me in my investigation. I asked her how could I appeal their decision and if I was able to obtain such footage, how could I send that to them so they would take the charges off of my account. The agent informed me that I would have to find resolution for these charges outside of the credit card company and no appeals could be made. I asked her how I was supposed to find resolution and get my money back and she suggested maybe I would recognize the person who used the card and then I could file a civil law suit but that there was nothing else the credit card company would do for me.
|
| 08/16/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
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RE : XXXX XXXX Business Master Card not returning my money A few days prior to XX/XX/XXXX, I notified the credit card company that I had incorrectly made payment of {$10000.00} to my closed business account. Unfortunately, I was not able to stop payment with my financial institution. I had provided the information needed to locate this account and was told that the money was not yet received. I also requested that monies to be applied to my personal XXXX XXXX XXXX XXXX, which is where it was intended but was told no. I also updated my address. After no notification by phone or mail, I contacted the company again around XX/XX/XXXX and again on XX/XX/XXXX, was told they received the money and it would take 7-10 business days. It was during the first week of XXXX, when I contacted the company again, was told that the check was sent out on XX/XX/XXXX and told 7-10 business days I would receive the check. On XX/XX/XXXX, I called again and was told the same thing. At this time, I requested interest ( compensation ) in addition to my refund of my overpayment. On XX/XX/XXXX, I asked to speak with a supervisor who gathered information to share with management. Complaint shared again as in prior conversations. Supervisor told me she would be out of the office until XX/XX/XXXX. I called on XX/XX/XXXX, unable to leave a voicemail but left a message for the supervisor that I had called. On XX/XX/XXXX, was told that the supervisor was aware and will callback. On XX/XX/XXXX, I receive a voicemail from the supervisor that a check is in the mail sent on XX/XX/XXXX via regular mail and not XXXX XXXX as I had requested. On XX/XX/XXXX, I called and left message to let the supervisor know I have not received the check. On XX/XX/XXXX, the supervisor calls and I update her that I have not received either checks. Was told that the first check was not cashed, so the company stopped the check. The second check was sent on XX/XX/XXXX or XX/XX/XXXX. I was provided with the company 's address and fax number to send a written statement. Reiterated return my money plus compensation. XX/XX/XXXX I called, reinforced no checks received, offered suggestion and requested repayment with compensation. XX/XX/XXXX I called again, told that the supervisor is another call. Same information provided. Was told supervisor to call, no calls received. Faxed written letter twice to the company. On XX/XX/XXXX, mailed letter to the company. XX/XX/XXXX received a call from the supervisor. Repeated same conversation as prior. No mention of any fax received, and no further resolution offered. XX/XX/XXXX - Filed complaint with CFPB for assistance with resolution
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| 04/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT XXXX XXXX RE : NOTICE AND DEMAND TO VERIFY ALLEGED DEBT To Whom It May Concern, This notice is in response to my recent request that Barclays Bank Delaware verify items on my consumer report that resulted from Identity Theft. Per the results of Barclays Bank Delaware investigation, I received correspondence via mail that the alleged debt was verified. However, per my request Barclays Bank Delaware has failed to provide me with any legal proof that I owe a debt. By law, I have a right to request legal proof of any alleged debt or claim of debt pursuant to the FCRA and the FDCPA.
Per my initial request, pursuant to the Fair Credit and Charge Card Disclosure Act I have a right to request full disclosure of the terms and execution pertaining to this alleged debt through direct mail telephone, and other applications and solicitations to open-end credit and charge accounts and under other circumstances. This is a second request for Barclays Bank Delaware to provide such verification in order to substantiate their claim. Be advised that copies of statements do not constitute legal verification in which, the Black Law Dictionary 6th Edition defines, verification as a means to confirm and substantiate by way of an affidavit or oath sworn to under the penalty of perjury. Therefore, Im requesting that legal verification of this alleged debt be provided to me at the address provided. If verification of the alleged accounts XXXX affidavit or oath sworn to under the penalty of perjury ) is provided to me via mail, I will require 30 days to review and verify the documents ( original documents or certified copies only ) pursuant to U.S. Code 1692 ( g ) ( 4 ). In addition, until the requirements of the FDCPA have been met and your claim is verified, you have no authority to continue any collection activity and you will cease and desist from contacting me except via mail. Furthermore, please be advised that any reporting of accounts on my consumer credit report without legal proof of debt is a violation of the FDCPA and FTC and I will pursue all legal actions and remedies afforded to me under State and Federal law against Barclay Bank Delaware.
This is my attempt to operate in good faith and with clean hands to clear up any confusion in this matter before taking any further action. Upon completion of your reinvestigation please provide any and all legal proof of any alleged debt or claims to a debt. If proof is not provided then these accounts must be removed from my consumer credit report. Thank you for your prompt consideration of this matter.
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| 12/14/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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|
Web |
|
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I had the XXXX XXXX XXXX mastercard with Barclay bank. I have had this card opened since XXXX XXXX. Previous to that I had another card opened with them between XXXX XXXX and XXXX XXXX. So i have been a customer with them for over 18 months at this point. During this time I have never missed a payment. I always pay my credit card off IN FULL and EARLY every single month. During this time I have saved up over XXXX points. These points are worth XXXX cent per point towards travel, so that is almost {$1700.00}. I have been saving these up for a vacation.
My XXXX statement closed and it was due on XXXX XXXX. On XXXX XXXX, i logged into my account and went to submit a payment for {$7900.00}. This covered all of my last statement and a little on the current balance. I have XXXX different accounts that I pay my card from, and i selected the wrong bank account. The next day i get an email claiming my payment has been returned. I log on and see i selected the wrong account. I called Barclay to explain the situation and they said they ca n't do anything about it and it will automatically try and take the money again 3 days later. So i go and move the money into that account. On XXXX XXXX the payment was resubmitted and was successful.
On XXXX XXXX I applied for a different Credit card with them. I applied for the XXXX hotel card, because my wife and i always try and stay at that hotel. On XXXX XXXX Barclays decides to close my XXXX XXXX account, and the stated reasons are the returned payment, and too many inquiries on my credit report. ( Over the past couple months I have been looking into getting my house refinanced, and we purchased a car for my wife, so my credit report was hit a few times XXXX.
I called Barclay and tried to get them to re open the account, because i really did like the card and all the benefits. They refused to open it. I asked about the miles i have been saving up for vacation, and they said those are forfeited. I spoke with a frontline representative when i called in on XXXX XXXX and they said that barclay has the right to cancel my card at any time, and that because my card is now closed the miles are forfeited. I escalated this to a manager and spoke with XXXX XXXX # XXXX and then escalated again to XXXX XXXX XXXX.
I feel like they just stole {$1700.00} from me. I have been saving those up for a special vacation to take my wife on. I did nothing wrong ( I still payed my credit card in full and early ). And they took my rewards away from me. I feel helpless. I do n't know how the are able to do that, and i do not think it is right for them to be able to do that.
Please help.
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| 09/19/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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-On XX/XX/23 I generated an online XXXX account to purchase an item that I intended to pick up in XXXX XXXX in XXXX Wa XXXX I live in XXXX, Oregon. That XXXX is XXXX mins down XXXX XXXX from me. I paid using a Barclays credit card.-It was the only online order I placed.
XXXX XX/XX/23 I received multiple emails from XXXX XXXX, advising the items I just ordered were ready for pick up in a XXXX XXXX FLORIDA XXXX I immediately called the XXXX number for XXXX to report the fraud. They locked my XXXX account. I told them the items had not yet been picked up ( That's what the emails were telling me, I rescued quite a few that day ) The XXXX associate advised not to worry, they would handle it.
-As soon as I got off the phone I called my Barclays card. I reported the fraudulent transaction. They canceled my card.
XXXX ( A little over a month later ) I received a letter from Barclays saying they had investigated the incident and they it was not fraud as XXXX provided evidence that the items were picked up. ( Not something I'm disputing, I just said it wasn't me and I never placed the order ) I rang Barclays and filed another complaint. They re-opened the investigation.
XXXX I spent XXXX on the phone trying to contact anyone that would help me at XXXX. Three hours later I was able to speak to a lady who identified herself as XXXX. She listened to my entire complaint and advised she could see that I had called in and filed the report on the XXXX of XXXX, but could not see that anything was done about the complaint, or that it was even forwarded to the fraud department. She told me it would be forwarded to the fraud department and that someone would contact me. I asked her to email me some proof that I had spoken to her, since I had no proof of the original complaint. She sent me an email on the same day advising she received the complaint. I have the email.
XXXX I received another letter from Barclays advising that the purchase was not fraud, as XXXX provided them with a document that the items were picked up and the purchase went through. I tried again to tell them I was/am in Oregon, and did not place the online order and that someone fraudulently charged my card and picked up the items IN FLORIDA even after I called XXXX immediately XXXX have them stop the pick-up. AND I called Barclays and immediately cancelled my card. Barclays representative said that unless I have proof that it was not me that made the order, they can not do anything. I am stumped. How can I provide that proof? It's as if they want me to find the perpetrator and drag them to their office and force them to confess to fraud.
|
| 02/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Servicemember |
|
In XX/XX/2018 for about 10 months I made my daughter an authorized user of my account. Before doing so Barclay Card assured me that she could be a user and that it would have no impact on her credit. Only I was responsible for all charges on the account. She never signed anything. I asked for her to be added as an authorized signer to my account. BarclayCard sent her a card of her own to use. About XX/XX/XXXX she was finished with her need to use my credit card and I removed her as a user.
She went to check her credit bureau the other day and found Barclay Card to be reporting MY full balance to her credit report. She called Barclay Card and they said they could not talk with her about it since she is not a signer on the account. I called Barclay Card to have it corrected and they said that I had to submit letter, via regular mail, and all of the supporting documentation to have my daughters credit reporting reversed.
Their fraudulent mistake is not my problem to fix. Barclay Card acknowledges that they should not be reporting on my daughters credit report. They should not have reported it to her credit bureau while she was using the card and they certainly should not be reporting it now. However, they said they will maintain the fraudulent reporting unless I write them a letter with all the required documentation to have it removed.
This is the exact kind of bullying behavior a big bank is supposed to have stopped a long time ago. So they have made an error and now it is MY problem to fix it. Unacceptable. And Illegal.
Barclay Card has my complaint and my daughter 's complaint by phone and now through this correspondence. If they do not correct the erroneous reporting in a reasonable amount of time I will be forced to take more serious actions regarding the fraud they have committed against my daughter. Not to mention the illegal release of information about my account to her ( she should have never known the balance of my card at anytime, ever ).
In my conversation with two Barclay representatives on the phone this evening both confirmed that the reporting should not have occurred as she was merely an authorized user with no responsibility for the credit and that the only way I can correct a credit reporting error, even if it is completely their fault, is in writing to a mailing address with supporting documentation which includes my daughter sending them, by mail, a full copy of the erroneous credit reporting. That exposes my family to unnecessary risk. The credit report they want me to send through the mail has all types of personally identifiable information contained within it.
|
| 04/27/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
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My husband and I both opened credit cards on the same date, to make a purchase from the same merchant on XX/XX/XXXX. The merchant is XXXX XXXX, which we now know is a subsidiary of, or at least directly connected to Barclay 's credit card. On XX/XX/XXXX we began the process of disputing the purchase and canceling the contract with XXXX XXXX. In XXXX of XXXX, my husband 's dispute was approved, his credit card statement showed a zero balance. My dispute, again for the same date, merchant and almost identical amounts, was denied. On XX/XX/XXXX, I was finally able to speak to a representative on the phone, XXXX, and was told to send a cancellation of the contract with XXXX XXXX. Canceling the contract was a very lengthy process, and in the mean time I made minimum monthly payments in good faith this would be resolved and so as not to affect my credit rating. I was very clear that this dispute was not closed. XX/XX/XXXX I obtained and sent a copy of the contract cancellation highlighting specifically " you will no longer have any further ownership rights and/or financial obligations pertaining to this contract. '' On XX/XX/XXXX I received yet another denial of this dispute, stating they " unable to obtain a credit for you from the merchant 's bank, and we must now consider this matter closed. '' I immediately responded that I do not consider this matter closed, and listed the reasons as I have below.
There are several problems I have with this whole situation : 1 ) Why was my husband 's dispute approved and the balance erased, but mine was not? Everything was the same, exact copies of the dispute with different claim numbers and slightly different amounts, so why not both denied or both approved? The only differences were, possibly the employee who handled the disputes, and I am a woman.
2 ) I was given an explanation and told how to continue. I did exactly as I was instructed, but it was denied again. No way to appeal was explained or given either. I was told " continue attempting to resolve the matter on your own if you are still unsatisfied with the outcome. '' That is exactly what I am doing.
3 ) Is it a conflict of interest to arbitrate a dispute between a customer and your own bank?
This whole situation is riddled with unfair business practices. I was told to continue to attempt to resolve this issue on my own. This is exactly what I am doing. If there are other steps that need to be taken, please send me the information. I have all email and letter correspondence, as well as notes taken from the phone conversation if required. Thank you for your consideration in this matter.
XXXX XXXX
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| 06/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am filing a complaint against Barclay US Credit Card regarding my registered Dispute # XXXX Barclay Card ending XXXX.
On XX/XX/2020 I purchased an XXXX XXXX {$4100.00} a round trip first class ticket XXXX/XXXX. This flight was cancelled due to COVID19 and to date I have been denied two occassions by Barclay in writing that they get will not be involved with the dispute. I am stonewalled and an honest consumer with rights. They stated in a letter to only return to the vendor to get me money back and denying they are responsible to be involved.
I have been in touch with XXXX XXXX for 4 months, but COVID has caused the phones to not be answered and the XXXX office closed. I have reached them by email and they agree to a refund but none has come over the 4 months of receiving emails back. They keep saying money is coming. It may come, but if it does not I am out the money.
The ticket was cancelled and it is refundable ticket as its First Class. The issue is no money.
I have sent a lot of documentation to Barclay and do not think they are reading or following US consumer law on this matter, reading the fact its a cancelled flight. A manager called XXXX spoke with me and requested to re-fax my confirmation email about refunds being due from XXXX XXXX, but no promise.
Speaking to Barclay is difficult at best even with the long phone waits. They are stating each new fax of documents or management call back can be a week or more. And they are not advising me on my rights to that this flight cancelled.
Also, poor overseas support are contributing to a difficult with constant cultural and elocution problems. The dispute lines will not tell you anything about your case, just that your denied and if they do its inconsistent call to call.
In my opinion Barclay is not providing the consumer with transparency regarding what is needed to help them understand US consumer protections I and others have.
They keep advising me they must follow their policy, when I keep saying and proving the flight is cancelled due to COVID and the ticket refundable. T This Dispute is valid and needs to remain open until a refund from XXXX XXXX comes or Barclay provides.
I have filed complaints with the DOT, FTC and Mass Attorney Generals Office I am very concerned what they are doing is happening to other consumers.
Attached is the most current cancellation/refund correspondence from XXXX XXXX, they are now saying its 7-10 days, but they have promised its in process in the past, its 4 months! Note I purchased this ticket for my sister XXXX XXXX who was flying with me to XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX
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| 10/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/2019 : I received correspondence that XXXX had ceased operations. They defaulted on providing a service in the form of a hotel reservation at XXXX XXXX in XXXX XXXX for {$260.00}. I called the hotel to confirm if a reservation under my name, XXXX XXXX, existed for XX/XX/XXXX, which they confirmed did not exist. Attempts to reach XXXX went unanswered.
Over the next week, I sent a written correspondence to Barclays Customer Service to dispute and cancel the {$260.00} transaction at XXXX because the service provider defaulted on providing the hotel reservation service and ceased to exist.
On XX/XX/2019 : I followed up with Barclays Customer Service ( BCS ) on the correspondence and the status of the disputed charge. Barclays Customer Service referred me to the dispute department, which I immediately called. Barclays Dispute Department told me that the dispute had been declined, but that I had the option of paper mailing them additional details. I was dissatisfied with this because I had already mailed them the information with the email from XXXX. I contacted BCS again to no avail. Please see attached correspondences for additional details.
Barclays Dispute Department substantiated that they could not go through with the dispute because the transaction involved a third party.
On XX/XX/2019 : I emailed XXXX XXXX, a Sr. Manager of customer experience ( information posted on XXXX ) in a written letter expressing my dissatisfaction with the customer service experience and brought up Barclay 's Chargeback protection policy as a potentially valid means to resolve this dispute. Please see attached letter for additional details.
On XX/XX/2019 : I received a call from Barclays phone number XXXX from a person claiming to be a manager in the dispute department. I reiterated Barclay 's Chargeback protection policy in order to resolve the dispute, however the manager stated that the Chargeback protection was still not valid for this case. Shortly after, the call got dropped.
At this point, I firmly believe that Barclay 's Chargeback protection is valid for this transaction due to the following reasons : 1 ) The purchase was made using their credit card 2 ) The services were not provided by the vendor.
3 ) I am within the 120 day time limit.
I cite the Barclay 's website on Chargeback protection : https : //www.barclaycard.co.uk/XXXX And also cite the example of " XXXX '' and how it relates to my case. I believe I have made every effort to act in good faith and be communicative in trying to resolve this dispute. Please see attached documents for all logged correspondences and details.
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| 12/26/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Closing an account
- Can't close your account
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Web |
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This complaint is for Barclay 's US bank ( Barclays Bank Delaware in XXXX DE ). I have multiple complaints about this back including : 1 ) Gross misrepresentation of the US Patriot Act in an apparent effort to illegally freeze accounts and or account access of US citizens.
2 ) Breach of contract for it's certificate of deposit holders 3 ) Failure to provide the legal documentation for accounts ( deposit certificate, statements, forms to close account, etc ) to US account holders, even after being told to do so over a dozen times.
4 ) Theft of the funds held in my account from me.
I have contacted the bank over a dozen times over the past month and several other times in the past ( Supervisors XXXX XXXX, XXXX XXXX, et al have been involved in some of these requests ). They have been informed that they are in breach of contract by freezing my account and/or access to my account which I opened 3 years ago. I have told them numerous times that I never received any information in the mail at my legal address about my account, that they never even sent me an account number for my account, and that I find them in breach of contract.
This bank is horrible and they are risking financial misery of all their US clients by grossly misrepresenting the US Patriot Act. They have stated to me that they can freeze accounts purely because a customer does not wish to risk his/her identity security by giving out confidential information over the phone each and every year to avoid freezing their accounts, and they are doing this only to have the customer prove that he/she is the same person and has not moved since last year. I know of no other bank in the USA that acts in such an extreme and radical manner. They have no basis or evidence to suggest any of my information has changed ( I still have the same name and reside at the same home, which I also own and the public records proves that ) and yet they are freezing accounts and refusing to send the account documentation to the account holder 's legal address - and even after they have been informed that said account holder wishes to close their account immediately and requires the necessary forms to do so.
I have had this account for 3 years and even though I have complained many, many times they have not sent me one acknowledgement of the account with an account number or one statement.
I hereby request that the US Gov't investigate the practices of this bank. Every bank that operates in the United States mails a certificate of deposit statement, account statement, etc to the mailing address on record for the account yet this bank refuses to do so.
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| 05/29/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account information incorrect
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Web |
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Barclay I'm filing a complaint on your company for violation of the FCRA ACT I started disputing my two Barclays credit card account with the credit reporting agencies back in XX/XX/XXXX and they keep saying that you keep responding saying that the information is reporting as correct. However this information is reporting incorrect on my credit report I have got fired from my job because of credit reporting violations unable to Obtain a good Job due to company like you reporting false information. then you expect people to pay you on time it's very hard when creditors are reporting negative and false information about the consumer I have been telling the reporting agencies that the account numbers were not matching up and again they kept saying that Barclay states its reporting as correct in order for me to prove my point about 3 Weeks ago I sent to your company 2 money order about a month ago for payment on my XXXX XXXX XXXX and My XXXX XXXX mastercard I sent in the money orders with no name no address Just the account numbers that you are reporting on my credit file and the money order never did get cashed because those are not my account Numbers What's showing on my credit file is XXXX and XXXX those are not my account Numbers! again I have been disputing these with the reporting and agencies about 15 times per account its a lot of work writing letters and getting them in mail to these company. Barclaycard you have violated my rights and cost me my job also you are in are violation of the FCRA. I'm asking you to please delete these 2 accounts from each of the credit reporting agencies immediately for the violations There is no law that states that you have to report information. But since you have violated my rights under the FCRA I DEMAND These accounts to be remove ASAP or I will take legal action. you and I have an agreement for payment each month and I will carry those payment agreements until my accounts are paid in Full But It's hard when Negative items is keeping you from getting a job to pay. I look forward for your response also XXXX is reporting that XXXX ACCOUNT IS A CHARGE OFF I HAVENT Received any noticed from your company about a charge off This far which is another violation of the FCRA.. I have enclosed a file from your company dated XX/XX/XXXX on You clearly stated my two account numbers ending in XXXX and XXXX but my credit report is showing different account number per the FCRA accounts must report 100 % percent accurate or the account must be delete and again that's what I'm asking you to do in this case! I also attached the account numbers that reporting on File 3
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| 10/26/2016 |
Yes |
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- Credit card protection / Debt protection
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Web |
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Barclays took over my XXXX XXXX card with XXXX points XX/XX/XXXX. From the moment the account transferred over I have not been able to open an online account, set up autopay, see my charges or pay my bill because their entire system is based on your social security number, and for some reason it takes 3-5 business days for them to record it. What is disturbing is that mine does n't work because someone else is using my social security number on their account. It has been over 7 months and Barclay 's still has not resolved the issue. I even faxed them a copy of my social security card, at their request, but no one ever confirmed they got it, it is just lost in their company somewhere. Because of this I can not open an online account. I have to call to check my charges, and call in to make a payment, first I have to go through a series of transfers and holds, it takes 45 min - 1 hr, my identity is questioned ad nauseam, then they finally realize the situation and offer to update my social security number, but the problem is they are not actually able to do this, there is some kind of glitch in their system, and they also can not reassure me that the other person using my social security number has been stopped, in fact they can verify as of tonight that the person is still using it. I ask them to put a stop to it, they say it will take 3-5 business days, and that they will call me back, but it never gets fixed and they never call back. I have to call them and go through the whole process all over again, this has happened 15 times in the last 7 months and there is no end in sight. They even charge me late fees while acknowledging that I can not pay without calling and wasting an hour of my time. Once they charged me the late fee after informing me that I was 10 minutes late calling, because it was based on Eastern Standard Time, even though neither of us was on the east coast. I asked to talk to a manager and was told there was no higher supervisor available, I asked for security and was told that security did n't take phone calls, but then another time I called I was transferred to security even though I did n't ask for it. One of the many managers I spoke to said the only thing I could do was write a letter to their headquarters through snail mail. There is more but I will stop here. At this point I am just going to pay it off and close the account. Their customer service is horrible and their lack of security and execution of tasks is downright frightening. They simply do n't know what they are doing and can not be trusted with money. They should be shut down before they do serious damage.
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| 06/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On Saturday XX/XX/2021 I was notified via SMS message asking me to confirm a charge on my Barclay Credit Card. I immediately responded that I had not made the charge and then called the number provided. I went through many of the charges showing with the representative and luckily there were only 3 fraudulent ones. We identified the incorrect charges, confirmed they were fraudulent ( I had never shopped at or heard of the 2 merchants in question ) they asked me a series of other question such as " was the card in my possession ''. After our conversation the charges were reversed and a new card was sent to me.
This past Friday, Barclay card re-added one of the charges that was previously identified as fraudulent. After 2 phone calls and the one rep said there was no written correspondence as of this past Saturday I learned they reapplied the charge because the merchant provided evidence. I asked what evidence and apparently they shared a XXXX tracking number showing they sent something to someone. The rep shared the tracking number, XXXX with me. I had to XXXX it to tell them the package went to XXXX WY when I was in Virginia where I reside, as confirmed by their systems when they sent me the original SMS message and identified the fraud. I also shared I had never been to WY and again never heard of the website nor purchased 149 of random things. They are asking the " investigator '' to reconsider.
While I wait 7-10 business days, I am responsible for paying the charge as it has been added back to my credit card and my billing cycle ends this week. This is a clear and direct violation of the law, the intent of the law and statutory language. It is also apparent they never actually investigated anything to try and determine the accuracy of the merchants claim that I was the buyer. I am all but certain someone took my information and did order merchandise but the question Barclay has willfully ignored is whether I made the purchase.
Any individual, trained or not would be able to look at my purchase history, payment history and consistent behavior coupled with Barclays own technology in flagging the charges to know and confirm this was fraudulent. Allowing Barclay Bank to put the onerous on the consumer to make multiple calls and have to literally do my own investigation ( I was asked what evidence I had of something I did not do?! ) is clearly a money grabbing business process that flies in the face of the intent of the law.
Barclay needs to answer to its business practices and correct this asap, including providing interest for the overpayment I will make due to the billing cycle.
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| 05/06/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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On XX/XX/XXXX I purchased an outdoor heater from XXXX which cost {$560.00}. The product arrived late XXXX and was assembled by someone that was contracted by XXXX. The technician tried to put the unit together and said that the product was faulty because the holes in the unit were too big for the screws which compromised the unit. I contacted XXXX who said that they would get the 3rd party vendor to credit me once they received the unit. An air bill was sent to me and on XX/XX/XXXX, the unit was shipped back to the vendor. When I received my credit card bill that month, the charge for the {$560.00} was on the bill. At that time, I had no other choice but to dispute the charge since I shipped the product back to the vendor. On XX/XX/XXXX I received a letter from Barclays. The case number is XXXX saying that they could not pursue credit for the transaction because they were not provided proof of return. On XXXX XXXX I faxed the XXXX tracking number which was XXXX. It showed that the merchandise was received and signed for by the vendor on XXXX XXXX. I was able to show that the product was returned in good faith. On XX/XX/XXXX a letter was sent to me by Barclays that they are closing the dispute and they were not able to assist me in obtaining credit to my card for the following reason : " Merchant has not violated the terms and conditions of the contract. '' Unfortunately, the merchant did violate the terms of the contract since I was promised a functional outdoor heater. I am not understanding this, but the only thing I can think of is that I told Barclays that after I pay my final bill, I want to cancel my account with them since this has been a huge hassle. I have excellent credit, and have other credit cards, but I do think that I should be credited for a product that was returned. We also received an email from the merchant admitting that they had received the return and that they had advised XXXX that we should be credited the full amount. In the meantime, I reached out to Barclay 's by telephone XX/XX/XXXX. I asked to speak to a manager at that time. I was told that a manager would call me back within XXXX business days. They never returned my phone call. I do not have any other recourse at this time as I have exhausted all my options. XXXX said that since I opened a dispute they can no longer help me, but they did approve the refund after they knew that the product was defective. I am having difficulty scanning in the documents that I have. If you have a fax number, I am very happy to fax all of the documents that I have that prove my case.Please help me resolve this. thank you
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| 06/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Below is a dispute letter I sent my credit card company on XX/XX/XXXX along with all the documentation I have attached which was my second dispute because they declined my first one. Since then, every time I call them, I get the run around. I called them on XX/XX/XXXX to check on the status and the person tells me that I shouldn't have opened another dispute because the first one was still open even though they sent me a letter on XX/XX/XXXX declining my dispute. So the lady tells me that she is updating my case and that XXXX has until XX/XX/XXXX to respond to the dispute and that I would know something by then. It is now XX/XX/XXXX and I just called Barclay again and still nothing has even been investigated. I am hoping that someone can please help me with this.
On XX/XX/XXXX I booked an all-inclusive vacation with the online travel agency Bookit.com.
{$4900.00} was charged to my Barclay credit card account on XX/XX/XXXX which was then paid off with my monthly payment at the end of that billing cycle.
I received an email on XX/XX/XXXX confirming my reservation from XXXX. Please find the attached copy of this email. As you can see, I was due to fly out with XXXX XXXX to XXXX on XX/XX/XXXX.
On XX/XX/XXXX, XXXX announced they were closing all call centers and that all resort bookings would be cancelled automatically. ( See attached notice from Bookit.com ). Additionally, that they were unable to refund any money to customers and that they should contact their banks or credit card companies for refunds. On that same date, I received an email from XXXX stating my credit card had received a credit for my booking of {$2300.00} which it did not and furthermore, that amount is not the full amount I paid for my vacation.
After receiving that email, I called Barclay on XX/XX/XXXX to file a dispute. The lady I spoke to took down all my information but did not ask me to send any documentation. She simply stated they would investigate and get back with me. I received a letter from Barclay on XX/XX/XXXX stating they were unable to pursue credit on my behalf as the chip on the card was read and validated during the authorization process and CVV confirmed. This was not the reason for my dispute as I stated to the lady I spoke with. I am not disputing that I did not make the purchase, I am disputing the services not received.
Due to XXXX closing, they have shut down all phone lines, emails, and website leaving no way for customers to make contact to pursue a refund or credit. Therefore, I am requesting that you open another claim for a chargeback of {$4900.00} for services not received.
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| 01/27/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account status incorrect
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Web |
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In XX/XX/XXXX I thought I was paying off my last payment off my Barclay credit card. I only used this credit card to pay off my phone. I paid off the last of around XXXX dollars and assumed my credit card was paid off. Unaware I was still being charged and in three months the credit card had apparently accumulated over XXXX dollars in charges, yet I did not know of this until I received a letter in the mail stating that I was past due on my bill after 90 days of not paying. That was the only communication regarding this account that I received and did not receive a letter after 30 days nor a letter after 60 days. I called the Barclay around XX/XX/XXXX to try and resolve this problem and spoke to the representative after receiving the letter to figure out why I was being charged and if someone might have been using my credit card. The representative removed the charges, but I had to pay for the late fees which I took care of right then and there and asked if this misunderstanding would be sent to the credit bureau which he stated it would have not and that my credit will be fine. My credit score stated that I had a serious delinquency stating I missed multiple payments after 90 days. I called Barclay multiple times around XXXX XXXX XX/XX/XXXX after I found out this stayed on my credit report but would be hung up on multiple times, multiple representatives stating they are not sure how to help me or circling around my questions and when finally talking to a supervisor regarding my situation seeing that I closed my account along with the misunderstanding regarding the situation, I was told not to contact the credit bureau as well as told to send a letter regarding the situation. I was confused at this point because I explained the situation to the supervisor and she not only see the account was taking care of but could have gone back into my account and look back on payments made and how things went wrong but instead told me to write a letter for them to report to the credit bureau. I contacted the credit bureau myself specifically XXXX since XX/XX/XXXX and they were very helpful and tried to do everything in their power to help me in whatever way they could. Looking at my credit report I have always paid everything on time along with having a good credit history and so why would all of the sudden I would miss three months worth of payments? All I want is for this to be resolved I am planning on going to graduate school to become a physician assistant along with planning to one day have a family so I would like to not run into problems in the future because of this misunderstanding.
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| 06/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Problem getting a working replacement card
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Web |
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I have had an XXXX XXXX XXXX issued by Barcklays Bank of Delaware for some years. Since the card was approaching its expiration date of XX/XX/2022, I contacted the company in XXXX and asked them to send a replacement card to my address in XXXX. They said they had sent one earlier but it never arrived. I asked them to send it express, since the expiration date was near, and they agreed on XX/XX/XXXX to do so, charged me {$15.00} for it, and then said they could not send it express after all and sent it by regular mail on XX/XX/XXXX. I waited weeks, called several times, but it never arrived. On XX/XX/XXXX they agreed to send another card, did nothing until XX/XX/XXXX, and then sent it express by XXXX -- exactly what they had claimed they could not do -- but did it WITHOUT GETTING A TRACKING NUMBER even though I had EXPXRESSLY told them to get one so I could know where it was. It has not arrived XXXX weeks later, and with no tracking number I have no way of knowing if it was held by customs, was lost, or anything else. I have had no usable card this entire time, since they cancelled the existing account when they sent the first card in XXXX ; I can not pay my bills, my monthly payments are being denied and services cut off XXXX after another, my credit rating is suffering because I am delinquent on payments, and despite REPEATED calls to Barclays all they do is tell me to wait and offer to start the whole process over again from the beginning by sending yet ANOTHER card. I can not afford to start over with this long process another time and watch my credit collapse while I wait for the card to arrive. I know how bad they are -- last time I needed a new card they put the XXXX XXXX XXXX on the address instead of XXXX and it went to XXXX instead of XXXX. They did contact my family in the United States XXXX weeks ago, then sent me an email with a phone number to call. I have called it over and over and over and over and never get anything but an answering machine saying to leave my number and they will call back within 48 hours. I have been leaving the number for XXXX weeks and have not yet received a call back. I told their agents in live conversation at a different number -- and I AM SERIOUS -- to send a courrier to XXXX with the card in his or her pocket ; if they had done so when I asked, this matter would have been settled by now. But they have done nothing, and tell me that if they sent yet another card, it would again be with NO TRACKING NUMBER, leading to the same problem. I need to pay my bills and I need compensation for the damage they have done. Please help me with this.
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| 07/09/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX by Barclaycard- " Balance subject to interest rate '' " Average Daily Balance '' difficult to calculate, appears intentionally misleading, and results in higher interest charges than should be applicable to the current statement. On my latest statement for billing period XX/XX/17 - XX/XX/17, I see a total of {$2700.00} for the " Balance subject to interest rate ''. The actual statement balance was only {$2000.00} and this is a significant discrepancy that results in higher interest being owed. I have been unable to determine exactly how Barclaycard calculated this amount, and neither could a manager at their customer service center. I feel this is an unethical methodology of calculating interest since I see simple way for oversight. My solution now will likely be to discontinue my business with them and to voice my experience publicly. The company uses an " Average Daily Balance '' ( ADB ) to calculate interest, supposedly starting from the last contiguous statement period where the balance was not paid in full. This makes it nearly impossible for the consumer to accurately calculate their interest if they have even a modicum of purchases for the month and especially when this carries over for multiple statement periods. It appears designed to be intentionally confusing and extremely difficult for customers to calculate and verify their charges. I tried to clarify this issue with the bank through a phone call to their costumer service center and while I did get a manager on the line who made a valiant attempt to calculate my ADB for even one statement however it was impossible to actually go through this statement in any kind of reasonable time frame. She did say they could produce a spreadsheet with each calculation for the ADB but she could only discuss this verbally over the phone and could not share the physical data. Since my ADB for this recent statement period spanned 3 billing periods it was impossible for us to accurately review this data over the phone. Therefore there is no way for me to accurately account for the interest charged by Barclaycard and I feel this is unethical and an abuse of customer trust. A quick internet search of Barclaycard customer experiences further increases my suspicion of this bank 's untrustworthy nature. Let me also state that when XXXX XXXX XXXX switched to Barclaycard, their online banking service portal for the credit card also shifted by removing pertinent information that had been previously readily available and thus making it feel less transparent and accountable to check on my finances.
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| 07/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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***XX/XX/XXXXI placed an order with XXXX XXXX XXXX . I have dealt with this company for many years.
***XX/XX/XXXX The payment of {$330.00} was paid on my Barclay Bank Visa to XXXX XXXX XXXX .
XXXX tried delivering the package before the store opened ( new driver ). We asked XXXX to hold our shipment and we would pick it up, they agreed but an employee mistakenly sent it back to XXXX XXXX XXXX. The tea company was going to reship it immediately back to me but it was left in their warehouse by mistake. I then called Barclay Bank to hold the funds because it was approximately two months since placing the order.
XXXX XXXX XXXX XXXX reships the order. I called Barclay to release the funds.
XXXX I called XXXX XXXX to say the order arrived, they said they had not received their money. I assure them that Barclay Bank said they would release they money. I had placed several calls to Barclay Bank asking why it was taking so long to release funds to XXXX XXXX XXXX.
XXXX I called Barclay after hearing from XXXX XXXX XXXX to tell them they had STILL not receive funds. The representative said he recommends I give them a different credit card because Barclay Bank already refunded me back the money. I them took the advise and gave a different credit card to pay for my merchandise.
XXXX Barclay charges me for {$330.00}. I call them and they explain they have deposited it back to XXXX XXXX. I tell them what the last person from Barclay Bank advised regarding giving a different credit card so would they please refund my money back to me. He tells me to have XXXX XXXX XXXX write a letter stating their side of things and fax it to Barclay Bank.
XXXX XXXX XXXX XXXX sends me a letter stating all the facts.
XXXX I fax the letter to Barclay Bank .
XXXX I called Barclay Bank and spoke with XXXX . He said to wait because it may take time to decide whether they would return my money back to me.
XXXX I receive a letter from Barclay Bank refusing to return my money and the representative said the returned it to XXXX XXXX on XX/XX/2020. I called Barclay Bank, spoke with XXXX and asked to speak to a supervisor but like the MANY past phone calls I have made, I get disconnected!
XXXX I called the Accounts Receivable and Credit Manager ; XXXX XXXX whom I have dealt with all along to ask once again if they received back the {$330.00} as Barclays insists. She again said no.
XXXX My husband said to call a branch of Barclay Bank because I was having such difficulty in communication. I called the branch in XXXX XXXX, CA. The man whom I spoke with said, There is no one to speak with, no one at all.
|
| 06/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
Purchased time share XXXX XXXX XXXX XX/XX/XXXX {$15000.00} down payment on two charge cards for a $ XXXX bill. I was told with a program they had, I would get all my money back in 20 years. I went to cancel it the next day and was told I was locked in due to authorizing them to take my other 2 timeshares. So instead, they lowered the points and cost to {$38000.00} but retained my large downpayment and would not refund. Upon returning home I found out they lied, and I was able to cancel and that no one owned my other timeshares except me, as they had NOT been transferred to them as stated. They only offered three days to cancel. I have been fighting since to get out of this contract and get my money back.
I disputed the charges split between RCI Barclays Rewards MC {$6700.00} and XXXX XXXX {$9000.00} around XX/XX/XXXX. Both put a hold on the charges. I eventually sent paperwork and information on what transpired with this purchase. Within a month or so XXXX released me from any financial obligations. I received a notice about dispute ID : XXXX XXXX from Barclay XX/XX/XXXX that I had provided insufficient proof. I had made several calls prior to ask what they needed and received no input. I collected all the info I could and sent it to them, opening a new dispute ID : DBO XXXX shortly after the prior letter was received.
During all of this I had been in contact multiple times with XXXX XXXX XXXX. Finally, after much push they released me from the contract because they knew their agent had lied to me. But they had me sign a paper on XX/XX/XXXX, that stated something about my having to deal with my financial obligations to the other entities that I had paid. I sent this release letter to Barclays.
XX/XX/XXXX I received a letter stating I had provided insufficient proof again to Barclay. I called and spoke with an agent at Barclays MC who said they could not help me any further. I was beyond devastated. This means I am free from the contract with XXXX XXXX but still owe {$6700.00} for NOTHING. I recently sent everything to the corporate offices of Barclay Bank with a letter addressing this signed XX/XX/XXXX. They have not received it yet.
XXXX did the honorable thing. I am turning XXXX in a month. I can't afford to lose that money. I have a Developmental Delayed adult daughter I support who was coerced into also signing this contract with XXXX XXXX saying it was the only way she could go with her other sister if I became incapacitated or died. This has been one horrible event in our lives that has caused me illness due to stress. I hope you can help me and my daughter.
|
| 09/17/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
Older American |
|
XX/XX/19 I received an email from my banking institution that informed me that Barclay Card US had changed my credit card number and they had updated that information on the bank site where I pay my bills. I was notified in the same email that there was no need for further action. Further stating if I had questions to contact the credit card company directly.
I immediately made that call to Barclay only to be met with " a why worry attitude '' by every representative ( I spoke to 3 ), regarding this change. I further expressed my concerns that they could go in and change a card number without notice, that I had not initiated due to a lost or stolen or fraudulent event. Expressing that this was " NOT NORMAL '' procedure, they caused me a great deal of momentary grief and concern as I attempted to find the answer to " why ''. Their only response was " it was a security measure that they commonly practice to insure my card was secure. '' I stated I'd been doing business with them for at least 10 years and never had this happened. I have had ample credit cards throughout my life and NONE had ever taken such a measure to secure my card unless " I initiated '' the change due to a lost/stolen or possible fraudulent transaction. All I kept getting from them was apologies for the inconvenience and nary a legitimate engagement regarding my concern this happened in the first place.
When I asked them to make sure that the powers that be get my escalated complaint of this poorly initiated changed and failure to communicate that it was happening I could not help but feel like they were humoring me only by saying they'd submit a report of my complaint and call.
To clarify I also left an email ON THEIR WEBSITE from my login area that was secure. In that note, I stated that I received an email from them -- -THAT WAS AN ERROR and oversite on my part and incorrectly stated. I immediately saw red, became concerned and overlooked who the email was actually from which was my banking institution. I have saved a copy of it and will attach, along with the last copy of my billing statement from Barclay that has the last 4 of the old number, and a snapshot of the new barclay page reflecting the last 4 of the new number. They said the new card is in the mail as of XX/XX/19 and that the old card would still be good until XX/XX/2019. I expressed my grave concern that to me, they had INCREASED my possibility of being compromised having TWO active number cards circulating, of which I DO NOT EVEN HAVE THE ENTIRE NEW card number yet!!! Again, a very wrong way to go about " securing '' a clients card.
|
| 06/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Barclays failed to adhere to proper card transaction billing dispute requirements as outlined in Reg Z.
The XXXX XXXX XXXX cancelled their annual compliance conference as a result of the COVID19 situation. As a result, my registration for that conference was refunded. Multiple contacts with the XXXX XXXX mind you, this is a banking association and I am a compliance professional by trade ) indicated that the credit had been processed yet it was not appearing on my account. Following Reg Z Billing dispute process, I created a case with Barclays to assist in resolution.
During that process, Barclays did not have sufficient options available on their website to adequately outline the reason for my dispute based on VISA rules ( .i.e Credit Not Processed ). Nor did they have any document portal for me to upload documents which I knew would be required. Their automated process simply dismissed my dispute indicating that they had not received documents when they never provided me with a mechanism for delivery in their workflow. I had to call them and tell them that I had documents they needed and only then - after endless time on hold - did they provide an address to direct the necessary docs to. Their dispute workflow needs to be evaluated to ensure it is clear and does not mislead the consumer or lead to delays in processing which could be easily avoided. Consumers not well versed in the nuance of Reg Z could be easily frustrated or feel compelled to not follow through.
In the process of this disorganized mess, I couldn't help but notice they are clearly in violation of Reg Z ( 1026.13 ( a ) ( 3 ) ) - specifically the official staff commentary which reads : " 3. Notice to merchant not required. A consumer is not required to first notify the merchant or other payee from whom he or she has purchased goods or services and attempt to resolve a dispute regarding the good or service before providing a billing-error notice to the creditor under 1026.13 ( a ) ( 3 ) asserting that the goods or services were not accepted or delivered as agreed. ". Both their On-Hold message and the error resolution screen dissuade consumers from filing billing disputes without first contacting the merchant. Their phone message says " If you have not done so already, contacting the merchant may lead to faster resolution ''. Their dispute entry page on their website reads : " In an effort to resolve your dispute in the most efficient manner, we ask that you first attempt to contact the merchant for assistance. '' Clear violation of the spirit of Reg Z with the possibility of causing consumer harm.
|
| 08/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I have attached a 38 page pdf file documenting my experience with Barclay 's Bank Card for a service I paid for that was not rendered. As you review the attached information you will see that I contested a charge from XXXX For Less to fix a transmission of one of my cars that I repeatedly had to bring back to them to fix which they never fixed correctly. Barclay 's Bank Card initially credited my account for this issue, but then put the charge back on my card based on the vendor 's hand written letter indicating that I had a 2 year warranty for the work performed. Based on this I continued to take the car back to this vendor to have it fixed correctly which was never done, then coming to the end of the 2 year period I resubmitted to Barclays Bank Card for this to be credited to my account which they responded that it had been too long for them to contest this with the vendor. You will see that I continued to contest this entire escapade with Barclays Bank Card and during that time they turned my account to their collections department while I was still engaged with their billing dispute department. Finally after over a 2 year dispute I agreed to settle with Barclays Bank Card with the condition no late payments would be filed with the credit bureaus which is the reason for my complaint. The fact that Barclays Bank Card says they tried to contact me for more information and I did not reply to them is insulting. You will see in the attached documents I contest the fact that I did not respond. My request is quite simple, although I am not pleased at all with this entire experience with the vendor as well as Barclays Bank Card I do not feel that late payments should have been reported to the credit bureaus causing my credit score to drop 77 points because I was still in communication with the Barclays Bank Card 's Billing Dispute Department trying to resolve this situation when they apparently flipped my account to their Collections Department. The last point I would like to make which I am sure you in your line of work are familiar with is that with well over 100 hours invested in my attempt to resolve this situation I was never able to speak with someone who had the knowledge and authority to help me with my problem. I repeatedly was told the same things as if they had a script which can also be seen in the attached correspondence. Finally the only thing I am asking for is to have the late payment reporting to the credit bureaus retracted based on Barclays Bank Card inappropriate handling of this situation. Thank you in advance for your help with this matter. XXXX XXXX
|
| 05/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I have a Credit Card in good Standing with Barclay Bank XX/XX/XXXX Barclay sent an advertisement for Balance transfer at a low interest rate. I accepted the deal. Several weeks past and the balance transfer was never completed. Per Barclays documented turn times The transfer takes place by the end of the next working day. I figured the Transfer was not approved. XX/XX/XXXX I accepted another offer from XXXX and applied for the balance transfer XX/XX/XXXX XXXX Transferred the requested {$6000.00} The end of XXXX I noticed a positive balance on my credit card when investigated where it came from it was the Balance transfer from Barclay. When contacting Barclay it is brought to my attention that this was not in addition to my current account it was a new credit card account with a {$500.00} Annual fee I told them that was not what I thought it was and I would transfer the balance back to them and I wanted the account closed. They said it was no problem and apologized for the error. Barclay admitted that is was their error and the initial applied for Transfer did not get processed and they had a delay in their system somewhere. Again they assured me if would all be taken care of. 2 months later I get a notification my credit score has declined. Low and behold its Barclay trying to collect a balance transfer fee, late fees and a {$500.00} annual fee on a closed account an account that was closed immediately not held annually. I once again contacted Barclay and was told they would take care of it. The late payment continue to show on my Credit for months Dropping my Credit score 200 points causing other accounts to be closed and credit limits to be lowered Barclay now had tanked my credit score. Seven more phone calls and a complaint filed with the attorney general the collection was removed from my credit report.
I believed everything was taken care of. Not one call not one letter from Barclay was ever received regarding this credit card account.
Fast Forward XX/XX/XXXX I apply for a home loan and I am told my score is to low once again XX/XX/XXXX Barclay re-reports the fees as a new charged off account. I have made several attempts to reach out to Barclay to no avail my last Call I waited on hold for 2 hours no-one ever answered.
Barclay did not process in their own documented time frame. Once I saw the transfer I immediately transferred back to them and closed the account. Barclay misrepresented the credit card. This is their mistake and I should not be held liable for any fees/late fees and it should not be reported on my Credit report. I pay my bills on time.
|
| 11/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I have been a customer of Barclay since XXXX and have had more than XXXX payments, none late. In XXXX I noticed an email saying my account is seriously past due. I don't use this credit card very often and don't typically monitor my personal email. I was confused as I pay this account via a paper statement and don't recall seeing that. I tried calling on several occasions and had a tough time reaching a person to talk to. I was routed to collections apparently and treated like a deadbeat. I paid right away and learned later that somehow I missed a statement for a {$25.00} balance. This quickly escalated to {$97.00} with in late charges and interest. During this time, our region was in the midst of a devastating flood event for most of our XXXXXXXX XXXX region and I became a XXXX XXXX XXXX Barclay 's steps taken alone reduced my credit score by XXXX points to XXXX.
Here is the request for assistance that I sent to VT XXXX XXXX : 11 days agoDetails Hello XXXX XXXX I'm writing to you hoping you can help a situation that Im challenged by. Here are details : RE : Barclay Advantage MasterCard XXXX My credit score is something I closely manage and have been aiming for an XXXXXXXX credit score. It had been XXXX most recently except for a recent issue with the referenced account that plunged my credit score XXXX points to XXXX. I'm not sure that my credit score had ever been this low.
I don't use this credit card very often and was very surprised to see a personal email saying my account was seriously past due. I don't use my personal email very often. This credit card was supposed to be set to paper statements. I have had great difficulty trying to access this account online and finding someone to talk with when I call the help line. I spoke with someone there today who said I've had 18 late in payments since the account was opened with them. My reply was that I had had a credit score of almost XXXX, with a very strong payment history with everyone.
I'm attaching the statement for period XXXX. I don't believe I received this account statement, so responded with full payment when I noticed the " You are seriously past due '' in an email. Each of the last two statements charge {$30.00} or {$40.00} + interest on very small balances. My credit history has been very adversely affected.
I'm really hoping you can help. I have other credit card statements, but I'm concerned that other people are also receiving this bad treatment.
Please let me know if I can tell you more.
Thank you for any consideration.
XXXX XXXX XXXX XXXX XXXX XXXX VT XXXX XXXX cell XXXX XXXX
|
| 06/10/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
This credit card dispute was called into Barclay 's bank on XX/XX/2020. To date, XX/XX/2020 - all I get is " it is STILL under investigation ''. In regard to this dispute the Bank has also NOT issued a temporary credit and has required that I pay all amounts billed in full, or pay the interest and penalty. They told me resolution could take 90 days and they do not issue temporary credits. That is unacceptable. XXXX XXXX and all other banks, gives temporary credits immediately upon receiving the dispute.
This is summary of my letter to them : Dear Barclays Bank Dispute Dept.
Claim Number - XXXX Credit card ending in XXXX Amount in dispute {$4500.00} On XX/XX/2020 I purchased 6 tickets, plus 6 seats ( one @ {$70.00} and one @ {$30.00} ), for a grand total of {$4500.00}. These charges appear on bill due XX/XX/2020.
Two flights were for XX/XX/2020 with return on flights for the XX/XX/2020. In XX/XX/2020. I received an email from XXXX XXXX that the all 4 flights were cancelled. Page A1 & A2 - in attached backup uploaded file. XXXX XXXX offered to allow us to re-book. They NEVER offered us a refund for the cancelled flights.
As per U. S. Department of Transportation Enforcement Notice dated XX/XX/2020 and uploaded here as documents B1 & B2 where it clearly states, Carriers have a longstanding obligation to provide a prompt refund to a ticketed passenger when the carrier cancels the passengers flight..
Also stated on document B2 that it is essential for the carrier to notify the passenger that it provides refunds if the carrier cancels the fights.
XXXX XXXX did NEITHER. I was never notified or offered a cancellation refund.
I therefor officially dispute these charges and turn to you to instruct Barclay 's Bank to promptly credit my account for above sum.
List of charges is on the next page below.
Attached is copy of reservation showing cancelled flights and also a copy of the Dept. of Transportation Order.
Attached is copy of my fax receipt to show proof that i sent 6 pages via fax. This is same as what was uploaded to you..
I am also uploading the pages from my statement that shows these charges. Please keep this page confidential Date Amount XX/XX/2020 {$660.00} XX/XX/2020 {$660.00} XX/XX/2020 {$660.00} XX/XX/2020 {$660.00} XX/XX/2020 {$660.00} XX/XX/2020 {$650.00} XX/XX/2020 {$70.00} XX/XX/2020 {$70.00} XX/XX/2020 {$70.00} XX/XX/2020 {$70.00} XX/XX/2020 {$70.00} XX/XX/2020 {$70.00} XX/XX/2020 {$30.00} XX/XX/2020 {$30.00} XX/XX/2020 {$30.00} XX/XX/2020 {$30.00} XX/XX/2020 {$30.00} XX/XX/2020 {$30.00} Grand total of Disputed amount {$450000.00}
|
| 05/04/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
Credit card is the Gold c ard fr om Barclay. i am a military member and the know this. when i signed up XXXX XXXX for the card it was a 0 % apr and the annual fee were waived for the duration that you are XXXX XXXX . this has since change and was done so in a way that does not seem sufficient or appropriate. prior to deployment ( XXXX XXXX ) the company changed the policy for new members but and informed me ( when i called to notify them that i would be deploying and using the card overseas ) that i was grandfathered in and had nothing to worry about. Barclay knows that i am on deployment since XXXX XXXX to present and that everything that i do is done online or via email. yet they decide to change there policy again and are no longer grandfathering the annual fee for members and provided a letter sent to my home address stating that XXXX XXXX my card with be charged the annual fee. since i received this information via my spouse, i immediately logged into the website, while on XXXX XXXX XXXX XXXX XXXX XXXX and attempted to verify that this letter was official or a prank. i had no messages on the web site and no email had been sent to the email address on the account. still concerned that t his may become an issue for me, I called barclay as soon as i could which was in XXXX XXXX over a month later. they informed me that they had changed their policy and that was it, there is no way to get back. I believe that this company has used military member to get there card seen by the public. once they felt that there cards had received sufficient publicity they decided to changer there policy. this along with the fact that the only message received from the company about a major policy change was letter mailed to my address, seems fishy to me. i would assume that any well established company would at least post a message on your account and send you an email alerting you to the fact that " a major policy change had been placed into affect, please log on and check your messages and my effect your account ''. All they send out is a written letter to the address. i am not the only military member affected by this policy change. most were not even given as long as i was before they were to be charged. i have XXXX officers i deployed with who were only given less then 2 months by the time they received the notice. XXXX of them never saw the letter because he is single and does not have anyone read his mail while he is deployed. h e was forced to call the company and found out a few days before he was to be charged.
|
| 03/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
To whom it may concern- Im writing to dispute a charge made to my Barclay credit card after the card was canceled. On XX/XX/XXXX, I called and canceled my Barclaycard, which held a {$0.00} balance. On XX/XX/XXXX, a XXXX charge of {$2.00} was processed on my card. I was completely unaware of this charge until XXXX/XX/XX/XXXX, when a lending agency pulled our credit report, which showed late payments and my account had been sent to collections. I had not received one billing statement between XXXX and XXXX, notifying me of an outstanding balance or late fees. As my credit card history shows, I paid my credit card off monthly and had been in good standing with Barclaycard.
After learning of the overdue balance, I paid my balance of {$3.00} in XX/XX/XXXX, and Barclaycard waived the late fees because Braclay agreed that the error was theirs and they waived all fees and penalties. They also agreed at that time to fix it with the credit bureaus. However, the delinquency charges remain on my credit report. I found this out when I was refinancing my home and had to pay over a thousand dollars in points to get the rate I should have received because of my now bad credit. We spoke with the Barclay credit department, billing disputes department, and even resolution managers from Barclaycard. On XX/XX/XXXX, we spoke with a resolutions manager who agreed to remove the delinquency charges from the account since the charge was processed after the card had been closed. She said this information would be reported to the credit bureau on the evening of XX/XX/XXXX and that we would receive a letter in 7-10 business days notifying us of the changes. On XX/XX/XXXX, we called Barclaycard to follow up. After speaking with several customer service representatives, we were transferred to XXXX, a Resolutions Manager in Nevada, who then told us that the delinquency charges would remained on the account and that a letter had not been sent and they would not be helping us fix this because they had not made a mistake. We were informed that we should write a letter but that they would likely not do anything different and the fault was ours for not checking on the account. An account that had been closed with a {$0.00} balance.
Im asking you to remove the delinquency charges from my account and report this information to the credit bureau for three reasons : 1 ) The charge was made after the account had been closed.
2 ) We did not receive a billing statement or email notifying us of these charges.
3 ) A Barclaycard manager already agreed to make these changes and then failed to do so.
|
| 02/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
Back in XXXX of XXXX, I filed a dispute about a fraudulent charge on my Barclays Arrival World Mastercard. After 4 MONTHS, I received a letter saying the dispute had been reversed, with back up documents consisting of 6 COMPLETELY BLACKED OUT PAGES. When I called about this, the dispute department investigated, apologized profusely, and said they would re-send legible notes. It took several more calls to get them to do so, and when they did, I found the documentation ( from the merchant, a hotel ) to be full of inaccuracies and misstatements. When I immediately called to tell them this, I was informed that the case was now closed due to the amount of time that had passed!
After several attempts to reopen the dispute, I finally gave up. ( I ultimately got all my money back from the merchant myself, with no help from Barclays. ) Following this, beginning in XX/XX/XXXX, each of my monthly statements contained errors, necessitating numerous phone calls to customer service to correct them. On XX/XX/XXXX, agent " XXXX '' ( id # XXXX ) told me my balance was " XXXX. '' On XX/XX/XXXX, I had an extremely lengthy conversation with " XXXX '' ( id # XXXX ) during which we went over all my balances and payments over the preceding 4 months, and the end of which, it was determined that my final, total balance was {$630.00}. After confirming our conversation was being recorded, I had him reiterate the balance, and confirm that after payment, my balance would be XXXX, which he did. I immediately paid the final balance, and closed the account.
Even though there were no outstanding charges on the account, I've continued to received statements with outstanding balances, necessitating further phone calls each month, to no avail. Finally, on XX/XX/XXXX, I spoke to XXXX XXXX, an Exectuvie Assistant Speicalist in the Office of the President. She said she would retrieve the recorded conversation from XX/XX/XXXX and get back to me. Instead I received a form letter, simply telling me that " all charges were legitimate. '' I was never able to speak to Ms. XXXX again, despite leaving numerous messages. On XX/XX/XXXX, I received a voice message from XXXX XXXX, asking me to call her back. However, she never left an extension, and I received no response to 3 separate voicemails left in the general mailbox. On XX/XX/XXXX, I received a voicemail from XXXX XXXX, who did leave an extension. To date, I have left MsXXXX XXXX a total of 4 voicemails. She has never returned any of them.
I am still being charged monthly for this closed account, with ever-mounting late-fees and interest charges.
|
| 02/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
On XX/XX/XXXX, I contacted Barclaycard to dispute several late fee assessments on my account and their failure to reply to email and written disputes of said amounts on XX/XX/XXXX and XX/XX/XXXX. My account due date is the XXXX of each month and the fees that I'm disputing are characterized as late fees : XX/XX/XXXX ( {$40.00} XXXX despite payments : XX/XX/XXXX of {$300.00}, XX/XX/XXXX of {$100.00} and XX/XX/XXXX of {$160.00} ; XX/XX/XXXX ( {$29.00} XXXX despite payments of : XX/XX/XXXX of {$170.00}, XX/XX/XXXX of {$100.00} and XX/XX/XXXX of {$100.00} ; XX/XX/XXXX ( {$29.00} XXXX despite payments of : XX/XX/XXXX of {$200.00}.
I spoke with representative XXXX on XX/XX/XXXX, as the phone lines were closed the majority of the year due to COVID and I had been unable to reach anyone by phone, email or letter until this date. XXXX advised that Barclays closes their billing cycle on the XXXX of every month and as such will apply any payments made prior to the XXXX to the prior month 's billing. I advised that I make payments exclusively online through my In Home Support Services worker because I am disabled and pay someone to come in to handle my legal affairs at the beginning and end of each month. At no point in time did the website indicate that payments made on that day would not apply to the monthly payment. In fact, the minimum payment for the month showing as owing is always listed and gives the account holder the belief that it is being paid.
I asked XXXX to transfer my call to manager XXXX XXXX XXXX, as I disagreed with their policy of assessing late fees for timely payments without providing any type of notice, as well as their failure to answer emails and written complaints regarding previous late fees, as I would've been apprised of their policy had they responded to my earlier disputes.
XXXX refused to apply the payment that I made today for {$77.00} to my XX/XX/XXXX due date despite the fact that I told her that the payment was made online XX/XX/XXXX for my XX/XX/XXXX due date and that COVID has left me unable to make additional payments. Additionally, she refused to refund any late fees from XXXX despite their failure to respond to my previous disputes and only promised to provide a credit for the {$40.00} late fee assessed on XX/XX/XXXX in a future billing cycle.
In most months, I make between 2-3 payments to help pay off my card sooner. At no time did their website alert me to the fact that my payments were not being recorded appropriately and they never responded to my inquiries to clarify their policies to allow me to make any changes.
|
| 02/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I had a Uber branded credit card issued by Barclays. In mid-XXXX, I was surprised to receive new credit cards in the mail with different account numbers and without the Uber brand. I immediately called customer service and was told that the arrangement with Uber ended on XX/XX/XXXX, and that these were my new cards. I asked why I had not received notice of the change and they told me that they had sent me a letter with an opt-out option and, since I did not reply, they signed me up for the new card. I immediately cancelled the new card because I did not want it.
I have asked multiple times for a copy of that letter and have been told that they would mail it to me. I have never received it. They have refused to fax or e-mail it or send by registered mail. In the meantime, I used the card with the prior account number numerous times between XX/XX/XXXX and XX/XX/XXXX believing that I was doing so under the
Uber terms and conditions and the Uber reward program. But I have come to find out that Barclays just transferred my purchases from that account to the new non-Uber account. I never agreed to any of this and had no notice of the change. The consequences of this are that I lost existing Uber rewards and that I earned Barclay rewards points on the early XXXX purchases. When I asked for a credit for the value of my lost rewards, Barclays refused because my point value was below their minimum redemption. When I asked them to reverse the charges for my XXXX purchases, so that I could repurchase using a different card, they also refused.
My concerns are : 1. They did not provide notice of this change ; 2. Even in the notice that they say they gave, they used an opt-out model ( rather than an opt-in model ) to get people enrolled in a card they did not want ; 3. They wrongly allowed charges after XX/XX/XXXX on an account that they closed and transferred them to an account for which I did not have the card and one in which I never agreed to the terms and conditions ; 4. They delayed sending the new cards for two weeks, which meant that I had no notice of the fact that I was effectively using a card that I did not know about and did not want ; 5. When notified about this, instead of working with me to compensate me for the value of my lost rewards, they basically told me to pound sand ; 6. They have repeatedly refused to send me a copy of the notices that they say they sent, but which I did not receive. Notably, they refuse to use any form of communication ( such as e-mail, fax, or registered mail ) where both parties would have a record of the communication.
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| 12/11/2016 |
Yes |
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Web |
Older American |
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Late last fall and into spring of this year, I was ill and was not able to work as much as I usually do thus fell behind on payments on this credit card. Additionally, when my husband went out of state for a job, he suffered very XXXX and was unable to return home for 3 months until released by the doctor there. I paid what I could each month in an effort to show the company we are serious about bringing our account up to date, and since early 2016, I have repeatedly called this company explaining our situation, even offering to send proof of our medical issues. Each time I have called, the customer service representatives demand large sums of money to be paid over the phone, do n't listen, refuse to transfer me to a supervisor despite multiple requests, tell me this company/bank has no plan for assisting a customer in catching up due to medical emergencies, that they will not temporarily suspend late fees, interest and now over-the-limit fees as due to their late fees we are over our credit limit. When I asked a customer service representative to close my account, I was told I could not close the account but that even if I could, the monthly charges for late fees ( charged when a payment is not made in full ), over-the-limit fees, and interest would continued to be added to our account on a monthly basis. The balance on our account grew each month by approximately {$120.00} in company charges. I would also note, I was told I could not close the account ; however, not long after my last request to close the account, we received a letter from the company stating they had closed the account. The current minimum payment due is over {$500.00}. Our total balance has increased to more than {$400.00} over the credit limit/around {$550.00} above the balance when we experience the loss of income due to health problems. We will never be able to pay off this card as it stands now because this company claims not to have any program in place for assisting customers in bringing their accounts current after major medical emergencies. This company has been made aware several times that we can not pay the high minimum payments yet they continue to add fees to our account. This is usury and a financial trap from which no one, apparently escapes ... ever. Of course, each time I 've called, I 've been " threatened '' that if I do n't bring the account current right then by making a large payment over the phone, our credit will be affected, which it has been as this company has reported the account delinquent yet did not bother to note the cause ... emergency medical issues.
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| 12/16/2015 |
Yes |
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- Closing/Cancelling account
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Web |
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Barclay 's closed my wife and my credit card accounts after having a positive history of using the card, nearly never carrying a balance month to month, and having cards open for multiple years.
At no time did we ever receive any negative feedback or notifications that Barclay had any issue with my 'history of account usage '.
In fact, despite the 'history of account usage ' that Barclay refers to in the closing, Barclay increased the credit limit on my card and my wife 's card in the past year, encouraging what they must later have decided is a poor 'history of account usage '. They also upgraded our cards to XXXX XXXX elite during the same period of 'history of account usage ' that was present during closure.
In fact, I started using my primary card, the Arrival, exactly in a fashion that was advertised. I started using this card originally for everyday spend as well as to buy XXXX XXXX Gift Cards through the Barclay RewardsBoost mall, which they advertised on their own website was a great way to earn extra rewards.
It seems clear to me that Barclay is closing our accounts because it is not profitable to provide us with rewards under the current program that they advertise, even though on their website, even today, it still shows " Earn XXXX miles for every {$1.00} you spend on all your purchases '' and Redeem for travel statement credits starting at XXXX miles for {$25.00} toward a qualifying travel purchase of {$25.00} or more made within the last 120 days ''.
With my last statement ( XXXX ) I had redeemed XXXX points ( {$140.00} ) but still had XXXX points adjusted at the closing of my account.
If returning my account to good standing is not practicable, a payment for the miles which would have been worth the sum unredeemed as well as the annual fee for the services I could not receive but had already paid for seems reasonable : XXXX XXXX XXXX = {$380.00}. The 10 % bonus would have added {$38.00} when used for travel redemptions, which I always have available since I travel for business. This totals {$420.00}.
My wife 's card had XXXX miles, which would have been worth {$19.00} XXXX XXXX = {$21.00}.
I also paid a {$95.00} annual fee on this card, and on my wife 's card, totaling {$190.00} in fees which I am now not able to fully utilize given the cards were canceled in the middle of the membership year.
This means my monetary damages from these XXXX closed cards are {$420.00} XXXX lost redemption, self ) + {$21.00} XXXX lost redemption, wife ) + {$190.00} ( annual fees ) = {$640.00}.
I appreciate your quick response to this issue.
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| 10/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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On XX/XX/2023 my family arrived in XXXX XXXX XXXX XXXX XXXX the late afternoon at XXXX XXXX XXXX XXXX. We had private transportation arranged by the resort from the airport.
We were taken to a large room that was being used as the check-in area. My credit card was taken from me to be added to our reservation for incidental charges. The card was out of my possession for an extended period of time while we waited to be checked in.
When we returned from our vacation on XX/XX/2023, I immediately checked my credit card account online. I discovered an unauthorized charge of {$1800.00} from a merchant named XXXX made on the day of our check-in, XX/XX/2023. Upon researching this merchant, it is listed as a taxi service. We did not use this service as we had our own private transportation from the airport through the resort. Logistically, the charge doesn't even make sense as we were not in the country long enough to have a taxi charge of this amount from the airport. XXXX XXXX is only about XXXX minutes. Once we arrived at the resort and checked in, we never left the resort until we checked out on XX/XX/2023.
I have made numerous phone calls over the past 6 months to XXXX. I have submitted documentation showing proof of our private transportation, proof of our arrival time into the XXXX XXXX, email addresses for our travel agent and staff at the resort to confirm all the information submitted.
The credit card company stated that since this is a chip card, I approved the transaction. I did not approve it and the charge was made while the card was out of my possession at the resort. I have requested proof, that the transaction was approved, from the credit card company and it has not been provided. The credit card company said they were unable to contact the merchant and that I should do this. I tried several times using the information found online but there is never an answer to the phone number and no other contact information. This is a fraudulent charge from a fraudulent company. I was told, in writing, that I should not pay the disputed amount and that I would not be charged interest on the disputed amount but I have been charge interest for several months now. I have requested a supervisor/manager to call me to discuss the decision by the credit card company, to refuse to reverse the charge and interest.
I have been promised 3 times that someone would call me in XXXX hours, then XXXX hours, then XXXX hours again. No one ever calls. I have had this case reopened 4 times now.
I do not believe anyone is actually going to call me or listen to the facts.
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| 05/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Older American, Servicemember |
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I have a JetBlue XXXX issued through Barclays.
Recently, a judge ordered all of my bank accounts frozen due to divorce proceedings except for one account in the USA. I live in XXXX XXXX. My lawyer advised me not to use that bank account because we couldn't understand how a judge could freeze my accounts and he thought that it could be frozen too.
Normally I do an automated payment but with my accounts frozen other than an account in the USA that my attorney told me not to use, I had to pay by other means and writing a check was not possible so a friend wrote a personal check to pay my account balance of {$460.00} for my XX/XX/2022 credit card statement.
He wrote the check on XX/XX/2022. I wrote the credit card statement number : XXXX on the front of the check and mailed in the payment coupon along with my friend 's personal check. I have copies of the check and his account statement proving it was cashed by Barclays on XX/XX/2022.
Unfortunately, this amount was never credited to my account and with the due date fast approaching I decided to take a chance and deposit money to my account in the USA and pay the {$460.00} through an electronic transfer. Although the balance has been paid twice, I have only received credit once. Barclays has never credited my account for the personal check from a friend and continues to waste my time and not resolve the matter.
Over a month ago I called them and was told to write a letter. That seems silly because we know they cashed the check and have my money but have not credited it to my account. I asked for a supervisor and he told me he would initiate a claim and to call back in a week for the case number. At the time he also gave me an email address for their Resolution Department. When I called back the representative told me a supervisor would call me back. Two days later I received a call and was told a claim was never initiated. Once again I was told to write a letter and she said they'd write me back, but with some arm twisting, I was able to obtain an email address and she did initiate a claim while I was on hold. The supervisor found in their system the first email I sent them and verifed that it included scanned attachments of both the cashed check and my friend 's bank statement proving it had been cashed on XX/XX/2022.
Barclays ' case ID # is XXXX. I have sent XXXX emails to : XXXX. So far they have ignored my claim. This seems strange but the fact that they have a specific department for these issues leads me to believe the problem may be systemic.
I am shocked by their conduct in the matter.
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| 11/22/2016 |
Yes |
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- Closing/Cancelling account
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Web |
Older American |
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On XXXX/XXXX/16, I received a letter dated XXXX/XXXX/16 from Barclaycard requesting that I contact them regarding my XXXX XXXX XXXX XXXX MasterCard account # XXXX. They stated that they had placed restrictions on my account. I had called Barclaycard about a week previously requesting a replacement card because I had accidently destroyed my current card thinking that it was a XXXX issued card which I had cancelled so I was surprised to receive their letter. An agent named XXXX who refused to give me his ID number or last name asked me many questions for 20 minutes, placing me on hold repeatedly while he checked with someone. I am almost XXXX XXXX XXXX and have a XXXX so this was tortuous. I found XXXX XXXX, bordering on rude. He demanded that I FAX to him at XXXX my Social Security card, drivers license, utility bill, passport, or birth certificate in order to verify my identity. I found this extremely invasive and did not want to risk identity theft or fraud ... but I did FAX Barclaycard a copy of my utility bill. Today XXXX XXXX, 2016, I received a call from a XXXX, ID # XXXX, who told me that our utility bill was not sufficient, that I must FAX my Social Security card, drivers license, passport, or birth certificate in order to verify my identity. I told her that I was not willing to do that, that I may be old, but I do not consider myself foolish nor would I risk sending such private identity information to a credit card company just to verify my existence. I had had enough. I asked that she transfer me to Barclaycard Customer Service so that I could cancel my credit card because I wanted nothing to do with Barclays Bank of Delaware ever again! She told me that she WOULD NOT transfer me to Barclaycard Customer Service and THAT I COULD NOT CANCEL MY CREDIT CARD ACCOUNT until she received copies of my Social Security card, drivers license, passport, or birth certificate. That is simply absurd. Barclaycard is holding me hostage ... indeed! I strongly protest! There are no charges or bills pending on my account and all past bills have been paid in full and on time. Can you please help me? Thank you very much.
FAIR RESOLUTION : Allow me to close my XXXX XXXX XXXX XXXX MasterCard account # XXXX credit card account with Barclays Bank XXXX Delaware doing business as Barclaycard without prejudice and make certain that any and all credit reports show that my account was OPEN and IN GOOD STANDING, that all past bills have been paid in full and on time, that I requested the closing of my credit card account, and it was NOT closed at credit grantor 's request.
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| 04/14/2016 |
Yes |
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Web |
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I usually take advantage of 0 % offers provided to me by multiple cards I own/have. Briefly, these offers provide 0 % interest for a fixed period ( 1 to 3 years ) for a small transaction fee ( 1 % to 3 % ), at which time the banks usually allow me to roll over the balances forward, if desired, for another small fee, by providing balance transfer offers/access checks etc. As a result, at certain times, I carry more than one 0 % promotional balance on the same card. I usually make payments in excess of the minimum, which are applied toward the balances expiring first, as banks understand that I paid a nominal fee to roll the balances forward. Payments are supposed to be applied to the balances with the highest APR ; and balances expiring first, even though at 0 % presently, would have the highest APR over the same period going forward, so payments are applied to balances expiring first, as per the credit card act.
I have a 0 % promotional balance ( with a 3 % transaction fee ), as explained above, that was initiated a long time ago, that is expiring this year ( XXXX ) on the " XXXX '' issued by " Barclays Bank Plc ''. This card has a XXXX $ credit line, out of which XXXX $ ( about two-thirds ) is still outstanding, and the rest was paid over this period. This card recently sent me access checks and emails allowing me to transfer balances into my checking account by offering a 0 % promotion till XXXX for a 1 % transaction fee. I accepted the offer by transferring XXXX $ for a XXXX $ fee, and immediately made a big payment back to the bank ( approx {$2200.00} ) in order to pay off the promotional balance expiring this year, so as to avoid interest. My payment should have been applied to the balance expiring first, i.e. to the {$4600.00} outstanding expiring in XXXX. Instead, the bank is saying it has the authority to decide how payments will be applied, as all balances are at the 0 % rate, even though I paid a fee to the bank for essentially rolling the balance forward.
I have made similar transactions with other big banks such as XXXX and XXXX XXXX, but Barclays is trying to cheat me by trying to charge me frivolous transaction fees to transfer balances, and still not applying the payment to the expiring balance after payment was made to them. Also, Barclays Bank is taking advantage of consumers like me, by giving me a 0 % promotional rate, albeit for a fee, and not applying payments correctly, in order to extort interest out of me at an exorbitant rate ( over 20 % ), even though I paid the transaction fees and made payments in excess of the minimum.
|
| 09/12/2016 |
Yes |
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- Customer service / Customer relations
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Web |
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I applied for a XXXX XXXX card from Barclays in XXXX of XXXX. There was a Welcome Bonus of XXXX points after paying the annual fee. I paid the annual fee of {$89.00} in my first billing cycle but never received the points as promised ( exhibit XXXX ). Shortly after I was approved, Barclays converted the account to an XXXX XXXX XXXX XXXX card, due to the XXXX XXXX merger. Because the old XXXX XXXX product was no longer being offered, I could not look up online to confirm what the requirements were to get the bonus. From my understanding, I met them by paying my annual fee. After I got my new XXXX card I used it in XXXX of XXXX, hoping that would trigger my XXXX points I never received ( exhibit B ).
By XXXX I used Barclay 's secure message service on their website to submit a complaint and ask where my points were ( exhibit C ). I was told I did n't meet the requirements ( even though I paid my annual fee ) because I did n't make a purchase. I did n't ever see that in the terms and conditions when I applied, and again, could n't be found online due to the original XXXX XXXX product being discontinued.
Hoping for a better resolution from Barclay 's XXXX team I contacted Barclay 's on a secure XXXX message to ask where my points were ( exhibit D ). I was promised I would see the points on my next statement. I was not notified that I failed to meet the requirements.
My next statement would be XXXX, I did n't receive a statement that month. XXXX was the last statement I ever received in XXXX ( exhibit E ). I did n't receive a statement until XXXX of XXXX. There was nothing on the statement. Nothing due, no rewards points, no balance, nothing ( exhibit F ).
Fed up and frustrated with Barclay 's I forgot about the account.
I 'm now just realizing I 've been charged an annual fee for my second year, and two late payments.
If Barclay 's will not keep their word of honoring the original agreement of rewarding me XXXX points upon paying my first annual fee in XXXX, and will not honor their promise to reward me my points when I asked for them in XXXX, I ca n't be expected to pay an annual fee on this account.
I 've since been charged two {$25.00} late payment fees because I have n't paid off the 2nd year annual fee on time. I will not be paying the annual fee, or the late payment fees, as Barclay 's has broken our agreement.
{$89.00} - 1st annual fee ( paid in full - Exhibit A ) {$89.00} - 2nd annual fee ( only paid {$25.00} in XXXX - Exhibit G, and {$51.00} in XXXX - Exhibit H - of the fees before realizing Barclay 's never honored agreement )
|
| 07/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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My barclays jetblue credit card issues convenience checks on a regular basis. I have never written or used a convenience check associated with my barclays jetblue credit card.
On XX/XX/2022, there were 2 charges posted to my credit card account for {$10000.00} and {$300.00}. On XX/XX/2022, another charge for {$500.00} was posted. On XX/XX/2022, another charge for {$2000.00} was posted. I rarely use this credit card so I didn't find out about these charges until checking my account sometime in early XXXX. Once I saw these fraudulent charges post, I called jetblue. At the time of this phone call, they removed the charges and reported the charges as fradulent.
On XX/XX/XXXX, all XXXX of the above charges were reposted to my credit card. I received a letter in the mail from barclays, stating that barclays posted these charges back to my account because after they looked into it, the convenience checks were written to my name and barclays found the charges as valid.
After receiving this letter, i called barclays on XX/XX/2022 to appeal this decision and they said they were going to reinvestigate these charges. They communicated to me that the investigation could take up to 14 days to be completed. After this phone call, i called to follow up on the investigation on XX/XX/2022 and the investigations department communicated to me that the investigation was still ongoing and they hadn't come to a decision yet.
I called barclays back today XX/XX/2022 to follow up on the investigation and the representative notified me that the investigation was complete and that the charges were found as valid because the convenience checks associated with my credit card were written to the cardholder 's name. I asked the representative to speak with a manager to speak about this further and he notified me that in order to speak with a manager, the manager would have to call me back and this would happen within 1-5 business days.
I am writing to the CFPB because there has not been a resolution reached in my direct communication with Barclays. As of right now, the current balance on my credit card is {$13000.00}. There have been late fees and interest charges added on top of the 4 charges listed above. I did not write the convenience checks for the above listed amounts that have been posted to my account. Barclays has not been able to provide me with proof of the checks, where the checks were deposited, and what signature was used to sign the checks. My credit score has dropped and I imagine will continue to drop as barclays reports late payments and accrued fees.
|
| 02/15/2016 |
Yes |
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Web |
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In XXXX 2015 my daughter and I took at trip to XXXX. It was all prepaid through XXXX. The 2nd day we were there, we were told in order to make room charges we would have to have a credit card on file. So we did that. At the end of our stay we had {$26.00} in room charges. I signed the charge slip, then signed a credit slip to refund the {$6500.00} pesos hold The XXXX XXXX placed on my card. All seemed to go smoothly.
When I received my credit card statement, not only did the hotel charge me the {$26.00} but also charged not credited me the {$6500.00} pesos ( {$440.00} US dollars ). I called my credit card company right away, told them the circumstances. We filled a dispute right away. On XXXX XXXX, 2015 Barclay Bank issued me a credit of {$440.00}. At this point I believed everything was all good. On XXXX XXXX, 2015 Barclay recharged me the {$440.00}.
Again I called and filled a dispute, since the bank claimed my dispute was resolved. This continued for months, the bank claiming I signed the slip so I acknowledged the charged.
I explained I signed a credit slip and there was no exchanged of goods the {$440.00} is a fraudulent charge.
After months and hundreds of phone hours with Barclay Bank I filled a complaint with Washington State Attorney Generals Office. Since Barclay did not reply in a timely fashion nothing ever happened.
I started contacting the XXXX XXXX myself. After being transferred around a bit and about a week I was told my money was credited back to my credit card. Again calling Barclay bank I was told no the money was never credited. Now I have emails from the hotel admitting a credit was due to me, again Barclay bank would not help me with this matter tell me my money was in XXXX and to bad for me.
I the wrote a letter to the President at Barclay back with no reply.
Then out of the blue, XXXX XXXX called me from the office of the President at Barclay Bank because of the complaint I filed with the Washington State Attorney General. After months dealing with her and all was in agreement I was owed the {$440.00} it was still never credit to me. I received a letter from XXXX XXXX closing my case.
So I started calling XXXX, talked to XXXX there for another few months he told me they were escalating my case. I just recently found out XXXX is an intern and is doing nothing.
Someone at the Attorney General 's Office gave me the information to this website, so here I am filling a complaint with you.
This is just the cleft notes version, because I have spent hundreds of hours trying to get my money back. You are my last hope.
|
| 10/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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Complaint BARCLAYS XXXX XXXX : BARCLAYS claims that I owe them a debt yet they CAN NOT prove it, even though I have repeatedly given them chances to prove it by sending them letters with registered mail asking them to provide me with a VALIDATION OF DEBT as per federal law.
I sent them a CONDITIONAL ACCEPTANCE in which they did not respond with their proof of claim or the required info, therefore binding them to my new TERMS AND CONDITIONS.
I put BARCLAYS on notice.
I gave BARCLAYS an OPPORTUNITY TO CURE.
I have attached all the letters I have sent proving that I have indeed exhausted all administrative remedies.
I do not owe a debt and the ALL CAPITAL LETTERS name/DEBTOR, aka the legal fiction STRAWMAN, owes the alleged debt which is off-set by, I, the ORIGINAL CREDITOR. The credit derived from my hand/living signature, and therefore my Life energy and was issued to the DEBTOR ACCOUNT via my SOCIAL SECURITY ACCOUNT which is an account linked/attached to the 'Certificate of Live Birth ' which is held at the Federal Reserve Bank as an open-ended Letter of Credit and therefore collateral to off-set and balance any alleged debt initiated by the alleged DEBTOR account, which is a TRUST account, aka the XXXX XXXX XXXX ' Trust, aka the XXXX XXXX XXXX XXXX making I the ORIGINAL CREDITOR of any transaction that took place. BARCLAYS never gave, or offered, due interest to the XXXX XXXX, and penalties for fraud and for not giving full disclosure upon the signing of the alleged contract, which does not have any wet ink signatures ( never mind the 2 signatures required by law for it to be a binding contract ). The UNITED STATES is operating in bankruptcy and owes, I, the ORIGINAL CREDITOR, for use of this Land ( 18 USC 8 ).
SECTION 2 : BARCLAYS has tacitly agreed to the TERMS AND CONDITIONS of my CONDITIONAL ACCEPTANCE, to settle this matter I demand that : 1. BARCLAYS admit that I am the original creditor and source of the credit being utilized.
XXXX. BARCLAYS leave account # XXXX open and functional so that I may utilize my credit and be accepted for value in order to facilitate my open end credit plan that is our birthright ( 15 USC 1602 ( j ) ).
3. BARCLAYS reports all alleged debt as paid off to all major credit bureaus ( XXXX, XXXX, XXXX and XXXX ).
XXXX. BARCLAYS pay for all fees and fines associated with this matter.
XXXX. BARCLAYS pays me {>= $1,000,000} in damages.
XXXX. BARCLAYS is estopped from ever bringing up this matter again and is barred from passing along this fraudulent claim to any other company or organization.
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| 12/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I purchased a trip to XXXX, XXXX through XXXX that was scheduled for XX/XX/20-XXXX/20. I purchased the trip on XXXX/XXXX/20. The trip cost a total of {$2000.00} and was paid for through a series of installments. However, about a couple of months before our trip was to take place, the COVID-19 Pandemic hit, resulting in a travel ban. Our travel agency automatically canceled our trip without refunding our previous payments and then subsequently shut down their business so there was no one available to contact. They said to contact our banks for refunds. I filed a dispute with Barclay since that was the credit card the trip was purchased on. However, my dispute for the {$1300.00} was denied because they stated I filed after the 60 day dispute period. I tried to appeal the decision but was denied again. The card I used was the Barclays Arrival World Mastercard, which in their Guide to Benefits states : " TRIP CANCELLATION/INTERRUPTION : In the event of the Insured Persons Trip Cancellation or Trip Interruption, we will pay up to the Trip Cancellation/ Trip Interruption Benefit Amount of {$1500.00}. Our payment will not exceed either : 1 ) the actual NonRefundable amount paid by the Insured Person for a Common Carrier passenger fare ( s ) ; or 2 ) {$1500.00}. The Insured Person will relinquish to us any unused vouchers, tickets, coupons or travel privileges for which we have reimbursed the Insured Person. The Trip Cancellation or Trip Interruption of the Insured Person must be caused by or result from : XXXX ) death, Accidental injury, disease or physical illness of the Insured Person or an Immediate Family Member of the Insured Person ; or 2 ) default of the Common Carrier resulting from Financial Insolvency.
Financial Insolvency means the inability of the entity to provide travel services because it has ceased operations either following the filing of a petition for bankruptcy, whether voluntary or involuntary, or because it has ceased operations as a result of a denial of credit or the inability to meet financial obligations. NonRefundable means amount of money paid by or on behalf of the Insured Person for a Covered Trip which will be forfeited under the terms of the agreement made with the Common Carrier for unused travel arrangements and for which a travel agent or travel supplier will not provide any other form of compensation. '' My Common Carrier, XXXX.XXXX, shut down due to financial strain from COVID which is why I have not been able to get my money back from them. So therefore I should have been covered under the card 's insurance.
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| 07/28/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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On XX/XX/2020 I received a copy of my Barclays Mastercard statement marketed under the name XXXX mastercard due to its affiliation with XXXX XXXX On XX/XX/2020 I wrote a check payable to XXXX Mastercard for {$2100.00} which they received and cashed on XX/XX/2020.
My bank account was debited the {$2100.00} on XX/XX/XXXX.
Barclays bank XXXX mastercard only credited {$21.00} on my statement as the payment made.
On XX/XX/XXXX I received an email from XXXX Mastercard saying that I had shortpaid my account and my account needed immediate attention. I called them right away and discovered their error. The man I spoke with gave me a case number XXXX.
He was to forward this information along with the copy of my check to the investigation team who would correct the error right away.
On XX/XX/XXXX, I called into the customer service department who advised me that they would not be processing any paperwork on my account for at least 2 billing cycles. I explained that this was unacceptable as I have paid the funds from my account which is no longer their and I do not have the credit applied to my statement. Waiting 60-90 days for a response seems highly unethical and against what any reasonable person should expect to endure. I was told that the call would be escalated and I would hear from a manager in a few days. They also gave me a fax number to send my inquiry to as well as a mailing address to which I have expressed by concern and disappointment in how I was being treated as a customer.
On XX/XX/XXXX, I called in for a status update and spoke to a person who was struggling to communicate in English however managed to express that they once again would not be responding to the investigation to at least 2 more billing cycles.
I believe that as a consumer this is horrible practice. If we the consumers had not made timely payments we would be punished with derrogatory remarks and poor credit reporting history, however when these banks act badly and against the consumer they seems to get away with it with impunity. I have never missed a payment and I am a good and loyal customer however I am being treated unfairly and unethically as they are hiding behind a massive corporate structure and refuse to correct my account and their error for an unreasonable amount of time if they correct it at all. In essence they have stolen my money and refuse to either provide a credit to my account nor return it. Waiting 60-90 days for an expected response is unreasonable and I formally request that the CFPB investigate and request some answers.
Thank you
|
| 11/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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|
I was made aware in XXXX of 2020 that my credit score of XXXX had suddenly dropped between XXXX and XXXX to XXXX. Checking my outstanding balances on the three credit cards I carry showed that I owed negligible amounts on my Visa and XXXX XXXX cards as I pay my balances monthly and that the balance on my XXXX XXXX MasterCard ( Barclays ) card was XXXX as I hadn't used it in months. Checking with the XXXX webpage revealed that I had no outstanding bills or collections levied against me. However, I recently received a letter from Barclays informing me that my MasterCard was terminated due to 90 days of delinquency. Upon checking my Barclays app I was able to confirm that not only was my balance at the time of termination {$0.00}, but that the card had not been used for over 8 months. The date which they issued a 30 day delinquency directly correlated with the dates in which my credit score began to decline. I received no written letter, email, or phone message to inform me of this. Since I had not been using the card and knew that the account had been paid in full I did not have reason to suspect that they were the source of my credit decimation. Upon contacting Barclays this morning ( XX/XX/XXXX ) I was informed that it was not there problem to fix. My score is now XXXX. I was also advised to write letters to the 3 major credit monitoring companies, advisement which directly contradicts the Federal guidance provided by this website. They not only deny any responsibility, which I have full documentation of, but are advising me to pursue a line of dispute that seems to be of even further detriment to my score. Never once was I advised to seek Federal credit advice to rectify the matter. Not only are they grossly negligent in this matter but seem to be actively directing me away from a course of action that would help me resolve it and restore the credit that it has taken me years of responsible financial planning and payment to achieve. I believe, especially due to the documentation I have and the sheer negative effect this has had on my credit, that this qualifies as matter worth pursuing in civil court if they are insistent on refusing to rectify the problem that they are clearly responsible for creating. The Barclays associate with who I spoke is named XXXX, employee number XXXX. Again, I was told my only recourse is to send a written letter via conventional mail to Credit Bureau Dispute FCRA XXXX. XXXX XXXX XXXX, Delaware XXXX and physical letters to all 3 credit agencies and that they will take no steps to restore my credit otherwise.
|
| 11/23/2016 |
Yes |
|
- Forbearance / Workout plans
|
|
Web |
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|
I contacted the company ( XXXX XXXX Confirmation # XXXX ) with the request below, but I was really surprised to hear that they would not be able to help me at all. Even though I was trying to do everything in my hands to keep the payments current on my obligations. I believe the lack of sympathy during a costumer 's hardship is proof that banking companies only care about profits. In addition, the company will not offer any help or assistance unlike other credit card companies that I contacted.
" I am writing this letter to inform you that I have lost my job on XX/XX/2015, and I am having difficulty paying all of my debts each month. This is a temporary condition as I decided to improve my skills by going back to school to get the XXXX license. I suspect that I am going to have trouble paying my debts for the next year as I have depleted most of my savings in my school cost, licensing cost, and personal living expenditures.
I want to do everything I can to keep my accounts current and stay out of collection. Therefore, I am requesting that the interest rate on my account be lowered significantly, and if I could make interest payments only for the next 6 months ( I should be working and financially stable again ) so that my monthly payment will be lowered, and I can continue making my monthly payments without defaulting.
I believe that if we both work in good faith, we will save each other unnecessary financial harm and many costs by avoiding going into a reduced debt settlements or a time consuming debt negotiation.
I would like this payment reduced As Soon As possible so that I can continue to pay all of my bills and living expenses on time and current in this time of economic hardship '' Then : I sent an email, and left a voice mail to XXXX XXXX, but they were not answered. I received the letter attached via USPS mail, but it is not addressing any of the matters. As per the letter, the bank is unwilling to do anything unless I default, which it is actually ludicrous.
XXXX, XXXX, and other financial institutions have worked with me, and offered me financial solutions with lower APR and payments in order to avoid delinquency. The bank 's position should be consider predatory lending, and it should be look into closely by the CFPB.
Please let me know if there is anything that the CFBP can do in this regards. Meanwhile, I am going to look for other options like filing separate complaints to the XXXX, FTC, the local and national Dept. of Consumer Affairs and NYS Attorney General to address this matters.
Thank you so very much.
|
| 04/30/2015 |
Yes |
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Web |
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I just called and spoke to a representative by the name of XXXX, ID # XXXX, and she confirmed that the document, which is my XXXX XXXX Bank statement, her department actually received it on XXXX XXXX, 2015. She did not understand how a supervisor or her other fellow employees that I 've spoke to over the past could not locate it. She was nice to clear all of the security issues. At that time, she informed me that her company, Barclay Bank were going to approve me for a {$2500.00} credit card. I explained to XXXX that I was originally approved for a {$4000.00} credit card. This is when she transferred me over to the credit card customer service department and I spoke to a rep by the name of XXXX. XXXX informed me that he could not issue me a credit card at this time because he felt like I had not enough credit when in actuality, I have over 6 years worth of credit showing on my credit report.
It was just very frustrating to wait for almost 4 months for XXXX Bank 's security department to locate all of my personal information only to be transferred to this rep in the credit card department for him to tell me that I do n't qualify for any of their many credit cards.
Why would the same credit card department originally approve me for a {$4000.00} credit card back in XXXX on to have told me on XXXX XXXX that I do n't qualify.
I called the President 's office of Barclay Bank right now and tried to speak to XXXX, but he was on vacation and would n't be returning back to work not until Monday so the rep I was speaking to transferred me to the manager of the credit card department.
XXXX, which is the manager in the credit department is re-reviewing my application again and she is claiming because I do n't have enough credit history. She informed me that her departments does not just look at the credit score, or the fact that I 've never been late on any of my student loans, or car note, or anything like that ; that was still not good enough for me to obtain a credit card through their company.
I 've never heard of any bank state that they do n't go off of credit scores to determine eligibility for a credit card.
I wanted to cancel my application on many occasions but I was told that I could not cancel because I was approved. I was told this by supervisors in the security department as well as reps in he security department.
I really just do n't understand why I was sent through that long process only to be told that I did not get approved.
This should have been told to me at the beginning. I would not have been wasting my time or theres!
|
| 06/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
A. I called in to Women Within to place an order B. I was told to get app and make order that way so I did. but I got an error message stating I could not place an order I must call in.
C. So I called Women Within back to tell them, they told me that the would send situation to tech to fix it.
D. They took my order over the phone. I ordered 3 dresses to receive in 3 days so I paid extra for fast shipping. XX/XX/1920 E. I received items in 3 days.
F. I sent back 1 dress.
G. I checked the online credit Barclay/Juniper to see if I got the refund. I did receive the refund. But the bill was high so I looked to see what the problem was and that Women Within had charged me the same amount the following day.
H. I called my credit card company I told them that I was charged twice. the man at Juniper/Barclay told me he would handle it that I don't have to pay that he removed out of my account, I. Then 3 weeks later I received a package in the mail from Women Within but I hadn't ordered anything else. This was about 3 weeks after I had received the original order and had sent back 1 dress from that order.
J. I called Juniper and reported this but I had not opened the package the man asked me to open it but I didn't I only peeked in through an airhole in the plastic wrapper. He told me to request a label.
K. I received a letter the next day stating that I had been sent to their XXXX XXXX XXXX I called them they told me that was should not have been sent to Collections, to open package to the label out and send it back to write in the invoice duplicate order.
M. I had a witness to this phone call and he wrote a statement about the call and me getting the label and sending package in.
N. I had a witness to delivering package to the XXXX Post Office she write a witness statement too.
O. I have a letter stating they received this information and that I don't have to pay for the other items.
P. In XXXX Barclay wrote to me stating I had to pay and that they have receive nothing from me.
Q. I called them about this they said they have received nothing from me no witness statements or anything. I asked if they through everything I send away no response.
The reason that I didn't have the receipt print out of the reurn is because when I got in the line at the post office there was too many people in there because of the covid-19 rules. They said that anyone with a printed return label on their packages should place it in the return area because there was to many people in the post office. If we didn't move along the place could be shut down.
|
| 02/05/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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On XX/XX/2020, I purchased a XXXX product from XXXX and then the funds were not added to the prepaid product. I paid XXXX for this transaction. The next day on XX/XX/2020 I called XXXX at XXXX and was told they would send a check for the balance on the card since that balance was not loaded. However at this time they were having " technical issues '' and was denied a refund of XXXX. I then called again at XXXX XXXX EST on XX/XX/2020 and spoke to XXXX - who told me I should seek that refund from XXXX and that is what the system is showing. XXXX refused me a refund in the morning since they were specifically told by XXXX that XXXX would provide the refund. I am out XXXX with no recourse at this time. Both XXXX and XXXX are denying a refund for a card I purchased. I was with XXXX on the phone as I filled this complaint. After further research the card is showing " refunded to store '' at XXXX at XXXX XXXX on the same day of purchase on XX/XX/2020. I DID NOT do this - this was clearly fraud. XXXX has no record of this transaction. I called back XXXX and tried to file a fruad complaint and was not able to open a billing dispute despite clearly stating in their terms and condition that this was a possibility. They stated that XXXX had my money.
I attempted to file the complaint via the Barclays bank dispute process. I attached the response from the US Federal Reserve Bank of XXXX XXXX which stated in effect that XXXX was in possession of my money. Barclays stated they reviewed the letter but a letter from the US Federal Reserve was inadequate to reverse a decision in this matter. I am very frustrated with Barclays since this is clearly a fraudulent transaction and if a letter from the Fed is insufficient what level of evidence would be sufficient?
I spoke to a manager at Barclays named XXXX, who stated that since this was a face to face transaction there was nothing they could - again despite a letter from US Fed ; I am having trouble understanding what gives Barclays the right to ignore the Federal Reserve.
In the Federal Reserve Complaint it is stated, " XXXX XXXX concluded its investigation and determined that the gift card balance had already been refunded to XXXX Store # XXXX on XX/XX/2020. We confirmed that the funds have been reversed back to XXXX Store # XXXX, and that you will need to contact the store for resolution. '' In effect XXXX sold me a card, just reversed the funds on the card, kept the money and refused to provide me the refund. Someone or something forced this refund : If this isnt fraud I am not sure what is!
|
| 01/31/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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|
Web |
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Hello, I've opened this complaint in regards to a dispute on my Barclays XXXX credit card that was not resolved. To provide a brief summary, I purchased airfare for XXXX XXXX through a 3rd party, XXXX XXXX, on the date of XX/XX/XXXX. This was for a one way XXXX-XXXX flight on XXXX XXXX, departing XX/XX/XXXX. I used a combination of XXXX Points and cash, with the remainder charged to my XXXX credit card. I have attached this evidence along with my confirmation from XXXX, showing I paid/booked the airfare through XXXX XXXX. Since I was not able to select a seat during this third-party booking, I used the confirmation number provided by XXXX XXXX to import this trip into my XXXX XXXX account. I then selected a 'Big Front Seat ' in the amount of {$40.00} ( having already purchased the airfare through XXXX XXXX ) and provided my Barclays XXXX credit card to XXXX for the {$40.00} seat charge.
I never received a confirmation screen or email from XXXX for the seat selection, and I was incorrectly charged {$180.00}, rather than {$40.00} for the Big Front Seat. Essentially, I was charged a second time for the airfare that I already purchased through XXXX XXXX. I did not book this airfare through XXXX, and there is no reason for XXXX to charge me for the {$140.00} additional airfare amount. I spent a considerable amount of time with customer service reps from both XXXX ( both phone/email ) and XXXX XXXX, who pointed me in each others direction in trying to resolve this. Neither would take any responsibility for trying to help fix my problem.
I have attached a lot of documentation including the confirmation I received from XXXX XXXX for the airfare, and emails from XXXX XXXX where they admitted that I had booked the airfare through a third party and not directly through XXXX. Ive also attached credit card statements with the XXXX and XXXX XXXX charges. My complaint is with Barclays, and also XXXX since they charged me for the airfare a second time ( onto my Barclays credit card ). I realize this case is slightly complicated, but I have pursued every other avenue I could think of before filing my CFPB complaint. I opened up an official credit card dispute with Barclays, and was told to mail my documents in to support my dispute. I mailed them in and eventually Barclays denied it saying I failed to provide proper documentation. I do not agree, because I provided proof that I was charged twice for the airfare I purchased through XXXX XXXX. Feel free to contact me if you need additional information or documentation for my complaint.
|
| 03/31/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
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|
Dear CFPB, Thank you for taking your time to review my message below and do all that you can to help me solve this terrible experience.
On XX/XX/XXXX, my wife and were taking a flight home via JetBlue, and per usual we were being hassled into applying for their card. After many attempts to decline the offer, the representative remained predatorily persistent, stating that the card would offer amazing benefits like 15-months XXXX percent intro on purchases & balance transfers, JetBlue miles etc.
We decided to apply and got approved. After receiving my card in the mail, on or around XX/XX/XXXX, I called the customer service number to confirm that my zero percent APR on purchases was valid. The Barclays representative confirmed that this was true, so I proceeded with adding my checking account for auto-pay for peace of mind.
I went ahead and started spending on my card, with the confirmation and intention that I wont have to pay any interest for the next 15-months. When I reviewed my statements on or around XX/XX/XXXX, I noticed I was being charged 20+ % interest. I reached out to Barclays immediately, after being transferred back and forth no one was able to assist me nor took ownership of their error. The rep mentioned they would have a manager call me back and no one did. I called back several times, again same story, the rep mentions a manager will call back yet no one did.
Finally, on XX/XX/XXXX I got a hold of a manager who suggested I write to the office of the XXXX XXXX XXXX, Delaware. I wrote them a letter stating the wrongful interest on my account. On XX/XX/XXXX I received a voicemail from Barclays acknowledging that they received my letter and were reviewing my account. Until today I have not received any response and the wrongful interest keeps accruing on my account. I have made several more attempts to reach out and its the same circle of a manager will call you back and no one ever does. Barclays has handled this ignorantly and unprofessionally. This is a terrible experience, I have good credit, I've never missed a payment, and all I want to do is pay-down my card in full less the wrongful interest.
We are struggling as a household, my wife just got fired from her job because she requested a XXXX XXXX. I'm the only bread-winner in the household and our XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I really need your help here, I don't know where else to go. I don't want to ruin my credit that I've worked so hard for and default on this card.
Thank you for your help in advance.
Respectfully, XXXX XXXX
|
| 06/08/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
I am requesting that Barclay Bank waive/refund the late fee of {$29.00} incurred in XX/XX/XXXX due to what I believe are several system errors through no fault of my own. Barclay customer service advised that they never received a payment in XX/XX/XXXX. But I never cancelled any of my {$86.00} payments! I have included all the documents which prove the payments and transactions and errors.
XXXX approved for Barclaycard Financing Visa for an XXXX XXXX purchased XXXX on XXXX website for {$1500.00} and I set up automatic payments 7 days prior to the due date for {$86.00} for 18 months on the Barclay Bank website.
XXXX I decide to increase the payments to {$130.00} to pay the loan off early.
XXXX **** This is the 1st system error occurred as I discover that the monthly payment doubled : Your scheduled payments of {$260.00} pays the minimum amount due of {$29.00} by XXXX XXXX document is attached. I write to Barclay : I just revised my monthly payments to {$130.00} per month ... this is now showing up as {$260.00} double what I authorized! Please correct this.
XXXX Barclays claims my payments are only {$130.00} : Upon review, we can confirm that your account is currently enrolled in recurring payments. Our records show that your payments are set up for {$130.00} to be applied monthly on the payment due date.
XXXX Because of issues with the Barclay automatic payment system I change the monthly amount back to {$86.00} with auto payment scheduled 7 days prior to the due date with screen clearly showing XX/XX/XXXX as the next due date. I receive a confirmation.
XXXX XXXX This the 2nd system error. I receive an email that the {$130.00} has been cancelled. However - I never received any notification that Barclay had cancelled the {$86.00} payment for XX/XX/XXXX!
XXXX I anticipate paying off the loan in XXXX as calculated via my auto payments but discover that the Barclay website shows that I owe a balance of {$200.00} rather than {$86.00}. I spoke with XXXX in Barclay customer service that my balance shows {$200.00} instead of {$86.00}. She verifies that 18 month payments of {$86.00} would pay off {$1500.00} by the last due date in XX/XX/XXXX. She discovers that there was no payment in XX/XX/XXXX and that I incurred a late payment fee of {$29.00}. Not good since I never cancelled any of my {$86.00} payments! Note also that the payments resumed in XX/XX/XXXX without any further action from me.
I have gone ahead and paid off the {$200.00} balance and cancelled the XXXX {$86.00} payment.
I request that the {$29.00} be refunded.
|
| 05/10/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
I contacted Barclays bank to request a closing my XXXX Account the week of XX/XX/XXXX and seek a refund of the {$95.00} annual fee that was collected from my bank 2-3 weeks ago. A phone rep took my information and asked me to supply proof of my identity to authenticate the request. I uploaded 3 documents in Barlcays 's website per the request including a copy of my driver license, copy of SSN card and a recent utility bill showing current billing address. About two weeks later, I checked the status of my account and my account was restricted with a fraud warning message to contact Barclays. I contacted Barclays the week of XX/XX/XXXX to inquire about the hold on my account. An agent told me they can not read any of my documents and request I mail in the same documents to their Fraud Department at XXXX XXXX XXXX, XXXX, DE XXXX. I mailed the requested info late XX/XX/XXXX and contacted the Barclays a third time on the week of XX/XX/XXXX to inquire about the account closure request and refund status. A third agent explained they were not able to read my driver license and need to mail that in again. I mailed a second photocopy of my driver license to Barclays in early XX/XX/XXXX. My account remained restricted and not close. I contacted the Bayclays a fourth time on XX/XX/XXXX. The agent explained he was able to read my driver license but when it was scan to the computer, the computer could not read it and therefore I need to submit a clearer picture of my driver license before he can review my account and close it. I scanned my driver license again using the best possible setting possible and print the image in the highest quality. I could read all the data on my driver license fine and the 4th agent I spoke with agreed with me. I mailed it out to Barclays on XX/XX/XXXX with no guaranty the documentation is acceptable to Barclays or its computer systems. I just want to close my credit card account at Barclays and get the {$95.00} fee back as I am not using the card. I don't know what else I need to do to satisfy Barclay 's requirement to close my account and need help. Another annual fee could hit soon and the longer I wait for this to get resolved, Barclays may only provide a partial refund of the annual fee versus a full refund if it was processed correctly in XX/XX/XXXX.
Account is restricted and correspondence via secured email with Barclays can not be downloaded. 1 paper mail was received during this 5 month ordeal. All other communications were via phone call by cardholder to Barclays never the other way around.
|
| 12/12/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
XXXX has failed to process my payment, as outlined in a letter sent to them on XXXX XXXX ( following, with name of banking institution deleted ). They keep sending one line " unable to locate '' and " unable to resolve '' letters, and keep adding charges.
-- -- -Beginning of letter I dispute all the charges reflected on the attached bill. This credit card was not activated until XXXX XXXX, 2017. There can be no valid charges before this date on this account.
I had a previous Barclay credit card, a XXXX XXXX card. I called to cancel the account because I didnt want an annual fee. I had already sent check # XXXX on ***** on or about XXXX XXXX for the full amount due on that card ( {$55.00} ). XXXX still has that check. It has never been tendered to my bank and it has not been returned to me. I was offered this new card with no annual fee and I accepted the offer.
I was notified that my payment was overdue because Unable to Locate. When I called to inquire, I was told that my bank had been unable to locate my checking account on which the check was drawn. On XXXX XXXX, I went to the credit union ( where I have banked without incident for more than 20years ) and learned that the check had never been presented to them.
That day, from the credit union, with the manager and my checking account numbers at hand, I called XXXX. XXXX told me that XXXX had been unable to process my payment because they did not know to which credit card account it should apply. At the urging of the XXXX agent on the phone, I provided all the information required to process the payment by phone instead of by check. He processed the payment and gave me the reference number XXX.
When I finally activated the [ new ] card this morning, I saw Purchases of {$110.00}, and interest charges on overdue payments.
I again called XXXX and spoke with XXXX, representative XXXX. She confirmed XXXX receipt of check # XXXX and of the phone payment under reference # XXXX. I cancelled the new XXXX account on which there has never been a charge.
You still have my original check plus the reference number showing my good faith effort to remedy your error by providing a substitute payment by phone. The telephone number for XXXX XXXX XXXX is XXXX if you need help figuring out how to process one of the referenced timely payments. It is an unlawful debt collection practice to attempt to collect a debt that is not due. I expect no further collection attempt or adverse credit action.
XXXX End of letter This week I received a new bill, this time for {$82.00}.
|
| 06/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
On XX/XX/2023 I was traveling in XXXX XXXX, XXXX and stopped at a XXXX XXXX XXXX in XXXX XXXX to get gas. I handed my card to the clerk to pay for gas. He turned towards the pump to ring me up, which caused his back to be to me, to charge the transaction. He acted like the card wasnt reading. After he turned back towards me I noticed he had the card reader in one hand and his cell phone in the other which I thought was strange. He returned the card to me, I left the gas station and immediately pulled over to lock my card as I had a feeling something shady had just occurred. It was too late as the charge for gas was on my account as well as another charge for {$1300.00}. I immediately called Barclays to report the fraud. I also attempted to find a police station while on the phone with Barclays to report the theft. If they have the phone recording of our call, you can hear me clearly very distressed. I waved down a policeman and attempted to ask where the police station was. I also tried to tell him that my credit card had been stolen by the gas station attendant. Unfortunately, Neither of us understood the other. Due to the language barrier and XXXX maps providing incorrect information, I never found the police station after over an hour of searching. I did the only thing I could think of to hopefully help other travelers avoid this situation/gas station and posted my experience on a XXXX travel forum on XXXX.
Barclays initially removed the charge. Then, on XX/XX/XXXX I received a letter from Barclays dated XX/XX/XXXX stating they determined the card had been in my possession and the charge was valid. The card was absolutely not in my possession, it was in the possession of the gas station attendant who ran a fraudulent charge and illegally stole my information.
I called Barclays who informed me I needed to fax a signed statement as to what occurred. I submitted this statement on XX/XX/XXXX.
On XX/XX/XXXX I received another letter from Barclays dated XX/XX/XXXX saying that they determined I was responsible for the charge as I failed to maintain security of the card. I am dumbfounded by this finding. I had to pay for gas so I had to hand my card to the attendant. I did not know he was running an illegal, unauthorized, fraudulent charge on my card until after I left the gas station and checked my account.
I am shocked at Barclays handling of this situation. I have had an account with Barclays for several years. I have never missed or been late on a payment and have never had a fraudulent charge before this.
|
| 10/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
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COMPLAINT DESCRIPTION I entered a contract by deception with XXXX XXXX XXXX in XXXX of this year XXXX. The down payment of the contract in the amount of {$2000.00} was placed on a RCI credit card with zero percent interest for six months. The only other billing that should have been placed on this account was the maintenance fee of {$81.00}. Three consecutive payments made to RCI to pay off the down payment are as follows : XX/XX/XXXX-check # XXXX/ {$1000.00} ; XX/XX/XXXX-check # XXXX/ {$500.00} and finally on the web site XX/XX/XXXX- {$500.00} confirmation # XXXX for a total of XXXX. Payment for the resort was being paid to a company called XXXX XXXX XXXX in the amount of {$300.00}. Consecutive payments were made to this company as follows : XX/XX/XXXX-reference # XXXX ; XX/XX/XXXX-reference # XXXX ; XX/XX/XXXX-refence # XXXX and finally XX/XX/XXXX-reference # XXXX. I notified RCI dispute department as soon as I noticed the first of double payment made by XXXX XXXX on XX/XX/XXXX. When nothing changed a second charge occurred on XX/XX/XXXX which prompt me to speak directly with a manager in hopes of clearing up this problem. Manager XXXX, ( in the dispute dept. }, asked me to send documents proving payments made. I received a denial response to my mailing ( XX/XX/XXXX ) saying that they never received documents from me allowing them to pursue credit from the merchant. I called and spoke with XXXX XXXX Financial Service Manager Mr. XXXX XXXX on XX/XX/XXXX. He emailed me documents of my contract on ( XX/XX/XXXX ) but never addressed the issue of the double billing. I called to speak to him again, however, he has not responded to my calls. This leads me to believe that he feels there is no real issue. My last attempt to clear up this misunderstanding was to call the RCI FRAUD Department, where I spoke with manager XXXX ( ID # XXXX ). XXXX asked me to send in documentation once again as proof of payments. The documents were mailed on XX/XX/XXXX by priority mail. The tracking number showed RCI received my documents on Monday XX/XX/XXXX. I called on XX/XX/XXXX to follow up on this issue to the Fraud department. Relationship manager XXXX talked to the Fraud personnel only to find out there was no documentation on my file for Fraud. That was my last straw. There appears to be a total lack of communication, documentation, and interest to the status of clients associated with RCI. Please note : the RCI account is charged and interest rate of 18.24 % on all outstanding balances and a {$29.00} late fee for non payment.
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| 05/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Problem with a company's investigation into an existing issue
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
Servicemember |
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On Tuesday XX/XX/XXXX I found out that I am a victim of Identity Theft and an Unsecured Personal Loan in the amount of {$35000.00} was issued by Barclay Bank to the thief. I also found out that a XXXX Checking Account was opened in my name and the {$35000.00} went into this account. I've made numerous calls to the Barclay Bank Security Division at XXXX -- XXXX and spoke with the investigator XXXX. XXXX told me time and time again that she can not share information with me in regards to where the account was opened. I confirmed with her all of my information is correct on the loan application ( SS #, DOB, Address, Drivers Lic. # ) except the email address and my place of employment. The email address used on the application is not my email address, but XXXX said she could not tell me the email address. She did tell me the employer used is " XXXX XXXX '' which is wrong. I've tried to get other information but I've been told time and time again that it is under investigation, I have to be patient. I spoke with XXXX on Friday XX/XX/XXXX and she became very irrate with me, told me not to call her anymore, she is not giving me any more information, that the XXXX Police Detective assigned to my case # XXXX needs to get a subpoena for the information. The XXXX Detective spoke with XXXX, told her that this is a fraud investigation and she needs to give the information and again she told him to obtain court documents. Today Saturday XX/XX/XXXX, I received a letter from XXXX in regards to me putting a Fraud alert on my SS # and this letter clearly states the following : " You have the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information. A creditor or other business must give you copies of applications and other business records relating to transactions and accounts that resulted from the theft of your identity, if you ask for them in writing '' NOT once did any of the Security Fraud Associates that I or my wife spoke with or XXXX at Barclay Bank explain to me if I submitted a request in writing for this information they would give it to me. Clearly, under the law ( which I have been saying over and over again ) I am entitled to all the information used to obtain this XXXX $ FRAUDULENT PERSONAL LOAN that was approved ONLINE with no face to face interaction.
I will be calling XXXX at Barclay Bank on Monday XX/XX/XXXX to get an address, email address, fax # so I can submit a request in writing for all the information regarding this Fraudulent Personal Loan.
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| 05/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Dear Sir/Madam, I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a matter regarding an unfair credit report entry associated with my account with Barclays, specifically the XXXX XXXX XXXX.
Around XX/XX/2018, I discovered a 30-day late payment reported on my account. This took me by surprise as I have always been conscientious about making timely payments for all my financial obligations. Upon inquiring with Barclays, I learned that the late payment was attributed to an annual fee that had been added to my account. Unfortunately, I had not been alerted to this fee, nor had Barclays sent any communication regarding this forthcoming charge.
I am deeply concerned about this situation for two main reasons : Firstly, the lack of communication on the part of Barclays resulted in an unexpected charge, leading to an unintentional late payment. Secondly, this erroneous report has adversely impacted my credit score, which could potentially affect my ability to secure credit in the future. Please note that my previous payment history with Barclays, as well as other financial institutions, has been flawless. This incident is not indicative of my financial responsibility and commitment.
Despite my attempts to rectify this issue directly with Barclays, an acceptable resolution has yet to be reached. Consequently, I am reaching out to the Consumer Financial Protection Bureau for assistance in this matter.
In accordance with the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report. Given that the late payment resulted from insufficient communication from the lender, I assert that the report is inaccurate. Therefore, I am formally requesting an investigation into this matter and the subsequent removal of the 30-day late payment from my credit report.
I have enclosed with this letter pertinent documentation supporting my claim, which includes records of communication with Barclays and a copy of my credit report highlighting the disputed late payment.
The Consumer Financial Protection Bureau carries the significant responsibility of ensuring fair financial practices, and I appreciate any assistance you can provide in resolving this issue. I am confident in your agency 's commitment to protecting consumers like myself from such misunderstandings and unintentional errors.
Thank you for your time and consideration. I look forward to your prompt response and am hopeful for a swift and fair resolution to this matter.
Sincerely,
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| 11/30/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XXXX XXXX, XXXX, my wife and I purchased into XXXX XXXX in XXXX XXXX. They insisted on a down payment and suggested we apply for and use a XXXX XXXX XXXX through Barclay Bank. On XXXX XXXX, we realized that XXXX did not deliver on their promises so I called Barclay and disputed the charges of {$3900.00}. I explained that I purchased a product/service from XXXX and did not receive what was promised. Barclay recorded the dispute and I got a letter from them stating that they would be investigating the dispute, on our behalf, and issued a credit for the charges. I also told them that an automatic monthly payment to XXXX was scheduled on this XXXX and that they needed to stop that too. They said they would.
I never got my card from XXXX and in XXXX, I got a bill from XXXX with the charges put back on along with the XXXX payment charged to the card which not put me over my credit limit. I called Barclay again and XXXX, Dispute Advisor, said that I was misinformed because there is no way to stop an automatic payment schedule and that I would have to close the account to keep further payments from charged to the card. So I did that. Then he said he does n't understand why the charges were put back on the card because he does n't see that XXXX responded to their inquiry. So he said he would resubmit the dispute and that I did not need to worry about making any payments. Keep in mind that I still have not gotten my card and I have not used it at all.
I get another bill with interest charges, a late fee, and an over the limit fee. I call them again on XXXX. I talk to XXXX this time. She says XXXX did respond and showed my signature for the original charges. I explain to XXXX now that I did not receive what I paid for and that is why I am disputing the charges. She then claims that a questionnaire response was sent to me. I did not receive any other correspondence from Barclay. She said she would send out another one and to give it 10-15 days. I still have not gotten the document.
Last week, got an email alert that my credit score has gone down because Barcley reported a delinquency to XXXX. I called Barclay today, XXXX and they informed me that their computers are down and that I need to call back tomorrow.
I have spent several hours of my time on this issue with Barclay that I will never get back. I am a XXXX XXXX XXXX and my wife works for a XXXX and this experience shows Barclay 's nonexistent customer service. I just want our credit restored, these charges removed, and this matter be put behind us.
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| 08/14/2020 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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On XX/XX/XXXX, XXXX XXXX XXXX, a debt collector, called my husband 's business cell phone seeking to speak with me. They purportedly believed the number to be mine. They stated to my husband that I had owed a debt for a Barclays Juniper credit card that was supposedly opened in XXXX and defaulted in XXXX.
My husband let them know that he would discuss the matter with me, as we were not married until XXXX and he had know knowledge of such a debt. Frankly, neither do I, I don't recognize the account, and have had prior issues with family members opening and operating accounts in my name. My husband and I requested that they send evidence of the validity of the debt, and they sent a letter on their letterhead identifying Barclays Juniper, the amount of {$1300.00} as owed, and a settlement offer of {$750.00}. My husband and I each spoke with XXXX XXXX XXXX on XXXX and advised them that the letter they send in no way indicated evidence of a valid debt. We requested a signed credit agreement, list of charges, etc, which they refuse to provide. They claim that they do not have to provide such evidence. On the letter they sent, there is a provision stating that information about the original debt may be obtained by written request. I have requested this in writing, but only today, XX/XX/XXXX, not even four full days after first being contacted about this matter.
Yesterday, The collector once again called my husband on his business cell phone, this time threatening legal action if the matter was not immediately resolved. My husband once again stated that the information they provided was in no way evidence of a valid debt, and that we would not settle some phantom debt, that we would need to see evidence that the debt was valid. The exchange became heated and the collectors threatened that we will be responsible for more than {$3000.00} in legal fees when they serve us.
Today, my husband received yet another call on his business cell phone, from a person claiming to be a XXXX XXXX ( AZ ) process server advising us that we will be served court papers today. This is deplorable, as they refuse to provide evidence of the debt, and are now apparently taking us to court. I am hard pressed to think that they are within their rights to refuse to provide evident of a debt that we do not acknowledge, and actively contest. As such, we seek the intervention of your agency. We have also filed a complaint with the New York Division of Consumer Protection as the address shown for the collector is within New York State.
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| 11/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I applied for XXXX XXXX rewards XXXX card by Barclay in XX/XX/2022. The first card end in XXXX. I never activated the card nor did I use it. In XXXX I receive a bill statement for {$4800.00}. I called the company to report fraudulent activities because I never even use the card. I see that the card was used for many cash advance transactions and numerous XXXX services that was over few hundreds dollars per service. Never have I ever use cash advance nor do I have an XXXX account. XXXX did an investigation and concluded that it was fraudulent because it shows on their system that I never activate the card the end of XXXX. They said they would credit me for ALL the fraudulent charges and will send me a new card. I got the new card in XXXX ending XXXX. Again this card was also not activated because now I am cautious about this credit company. For some reason they transferred {$1300.00} from the fraudulent card to my new card in XXXX. I called them right away to dispute the charges. Why is there still charges on my credit statement. I was transferred numerous time to different departments and none of them can help me. They each said that I cant help you. Let me transfer you to investigation. Investigation department transferred me back. I have to call many times to resolve this problem. It is now XX/XX/2022 and the last person we spoke to keep telling me that to look at my statement to see any charges. I keep telling her that there is no charges to the new credit card because I never activated it nor use it. The charges was still from the last dispute. It was futile talking to her and I requested to talk to a manager. She said it will be five days before anyone can call me back. I waited two months to resolve this problem but to no avail. My credit is greatly affected by this because of the late payments reported. My credit score has went down XXXX points because of this incident and it has impacted my health for I have no piece of mind and unable to get other credits for my home needs. This credit card company has lied and never investigate my request when I called to dispute about this. I have to keep calling back over and over again. At one time I overheard their representative talking to each other saying that I am trying to not pay and laughed. And no this is not an exaggeration. I will be filing another complaint with local state agency regarding this credit card company. For anyone out there please do not used this credit card company. It is unreliable and they dont abide by customer service laws.
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| 06/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/2020 I noticed 2 charges on my credit card that I did not purchase. Both charges state it was coming from XXXX. One charge is for {$460.00} on XX/XX/2020 and the other charge is for {$750.00} on XX/XX/2020. I initially thought XXXX made a mistake so I called XXXX first and the rep told me that they do not even see charges for these 2 amounts in my XXXX account. I also checked my XXXX account online and no charges of {$460.00} and {$750.00} were ever made. I called my credit card XXXX on that same day XX/XX/2020 and spoke with a rep named XXXX ( or XXXX ) and he was somewhat helpful. XXXX reported the two charges to their fraud department and he refunded me interest for the month of XX/XX/XXXX since I should not be charged interest for purchases I did not make. Then, on XX/XX/2020 I received a letter in the mail from Barclays fraud department stating there was " not enough information provided to create a case ''. So my issue is not resolved and they just decided to close the case. Barclays never even asked me for my XXXX account statements. The Barclays rep XXXX did not even mention to me to send my XXXX account statements. I kept asking the rep XXXX, how the fraud department will handle my case and he said " just wait until we contact you for the next steps ''. But, they just closed the case without asking me for the next steps. I could have provided them with my XXXX account statement clearly showing there were no purchases with the amounts of {$460.00} on XX/XX/2020 and {$750.00} on XX/XX/2020. I called Barclay on XX/XX/2020 to try to resolve this issue but the rep this time told me she can follow up with the fraud department and I will hear back from them. The rep sounded very uninterested in helping me, so I wasn't sure if she was going to be diligent about my follow up. So, I called Barclay again today XX/XX/2020 and this time I was on hold for 3.5 hours and could not get through to anybody. It is extremely hard to get through to Barclay it takes me 45 mins to 2 hours to get a hold of someone, but today I was on hold for 3.5 hours and could not get a hold of anybody. This is a horrible way to conduct business. They have no email. I have tried their live chat but the live chat says I have to call customer service to report fraud. How can I get my issue resolved when Barclay has horrible customer service! I have a feeling they are avoiding me. Also there is a huge language barrier because the customer service reps aren't very clear when they speak English which makes it very difficult.
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| 08/27/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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Greetings, - I had an account with Barclays Credit Card since XX/XX/XXXX and my interest rate has been 22.24 % APR.
- The account was in very good standing till 3 days ago.
- I had never received my Barclays Credit Card Statement in mail as I usually do.
- Bank Claims that they mailed it to me ( Their word against my word ).
- I got a call from the Barclays Credit Card requesting a call and that the account was past due.
- At point I immediately called l to Barclays Credit Card and made the payment XXXX.
- I looked at the statement and found that I had a Past Due amount of {$65.00} statement ending XX/XX/XXXX - Furthermore, I talked to several people regarding this Interest issue in the chain and they must have updated the entry in the Barclays credit card account I have, and this is what I found.
- 3 people out of the 4 I talked with XXXX XXXX, Missed the name of the next person and Manager XXXX ( I think that is her name ) all told me that my Barclays Credit Card Interest rate is 22.24 % DAILY.
- I conformed with each of them and they each said 22.24 % daily. WoW there is a Training gap there.
- Finally, I got XXXX who is also a manager, said the Barclays Credit Card Interest rate is 22.24 % per year not per day for may account.
- XXXX was nice and understanding and tried to explain the math to me but still does not make logical sense.
- I asked XXXX for a written break down and that could not be provided.
- I understand the late fee, but what dont agree and understand is the Rip Off Interest of {$17.00} for a past due amount of {$65.00} - So, I did some simple math - {$65.00} Past due 30 days 22.24 % APR interest should be 22.24 % / 365 Days = 0.06093151 per day x 30 days = {$1.00} in interest till the next billing cycle - What I fail to understand that Barclays Credit Card charged me Interest on the amount that was waiting to be part of the next months statement still in process for this month.
- I dont mind paying reasonable interest ( {$1.00} ~ {$3.00} ), but what they charged me {$17.00} - I feel there is some illegal activity going on and needs to be addressed.
- Barclays Credit Card company can not charge interests on balances that are not come due till the billing cycle.
- I am planning on paying off the card to avoid asinine, un-regulated and high Dollars in interst - I am requesting a full investigation on this issue and would like a call AFTER XXXX Pacific Time at XXXX from CFPB and the Barclays Credit Card Thanking you in advance for helping me with this issue.
Mr. XXXX
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| 05/06/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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This is a bait and switch complaint.
I am writing to request Barclay 's and XXXX XXXX honor their joint offer and post XXXX reward miles to my account. In XX/XX/XXXX, I applied for the Barclay 's XXXX XXXX XXXX XXXX Mastercard on an international flight. The flight attendant enthusiastically described how easy it was to take advantage of the XXXX bonus miles, " Just make a purchase, any purchase, within three months. It could be a pack of gum! '' She made it clear that there was a {$95.00} annual fee and the brochure also made that clear. What was not clear, either in the airlines ' presentation or on the brochure/application, was that the {$95.00} fee needed to be paid in the first 90 days.
Here are the facts of my complaint. As soon as I received the card, I made a charge on XX/XX/XXXX of {$140.00}. I could have paid it in full as I normally do, but opted for the monthly minimum payment so the card would show activity and that I was paying interest in good faith. I figured it would take several weeks for the miles to post. I called the XXXX number twice in early XXXX to follow up on when the miles would post. I was told each time that it takes a while and to be patient. In XXXX I called again and was directed to Barclay 's to inquire. On XX/XX/XXXX, I called Barclay 's and was told that the {$95.00} annual fee needed to be paid within the first three months. I had paid three {$27.00} payments totaling {$81.00}, so was {$14.00} short of the {$95.00}. I opened a case with XXXX, # XXXX.I contacted XXXX XXXX about their joint offer with Barclay 's , but they said they are not responsible. I pulled out the brochure I'd received believing I had carefully read the stipulations.
This complaint is for bait and switch because there are several stipulations highlighted and footnoted on the first five pages of the brochure, at least three of them relating to the {$95.00} fee, but it is not made clear that {$95.00} must be paid in the first 90 days. I received a letter dated XX/XX/XXXX from Barclay 's stating they are unable to assist with my complaint. This response is unacceptable, so I am following up with the CFPB, the Delaware AG office and the XXXX XXXX XXXX I trust organizations like Barclay 's and XXXX XXXX to participate in good-faith advertising and not traffic in misleading promotions. What happened here may be legal, but violates the spirit of the law.
Attachments Include : a copy of the brochure/application received in flight, copies of my statements, and the letter received from Barclay 's.
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| 02/10/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Other problem
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Web |
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I did not receive a statement or other notification from Barclays ( servicing Old Navy Navyist Rewards card ) regarding a payment due on account. The first notification of late payment was from my personal bank credit score monitoring program advising that my credit score had been reduced from XXXX to XXXX.
After seeing that Barclays had filed the negative item on my credit report, I tried to access my online account. I could not remember my password and I tried to restore access via automated methods. When this did not work, I contacted Barclays customer service who first advised I did not have an online account, but later found that Barclays had a " do not contact '' feature enabled on the account. Barclay 's customer service had to restore access to my account and waived the late payment fee. Once access was restored, I immediately made the payment. Shortly, thereafter, I received a letter advising contact had been restored on my account.
I do not dispute the amount owed, but I dispute Barclay 's making no effort to send me a printed statement or reminder via text, email, or other method before negatively impacting my credit score for something that could have been resolved in minutes, which could negatively impact my score for years.
I filed a dispute with each of the credit bureaus, with Barclays FCRA Credit Disputes Department, and wrote of my dissatisfaction with Barclays business practices to Gap Inc Customer Relations.
Each of the bureaus advised that I should resolve with Barclays. Barclays advised that because the amount was past due, they would not be removing the negative reporting from my credit report.
Below is the timeline of events : XX/XX/22 : received notification of potentially negative activity on credit report XX/XX/22 : contacted Barclays customer service : account access restored, late payment fee waived XX/XX/22 : paid account balance of {$150.00} XX/XX/22 : received letter from Barclays that my request to " resume all communication regarding [ my ] Navyist Rewards Credit Card Account '' had been restored XX/XX/22 : certified letter sent Barclays FCRA Credit Bureau XXXX department received XX/XX/22 : disputes filed with 3 credit bureaus XX/XX/22 : letter sent to Gap Inc Customer Relations Again, I do not dispute the amount owed or that the payment was late. However, I was unable to access my account, and Barclays made no effort to contact me to inform me of the debt. Nor to my knowledge did I ever change the settings on my account to receive no contact from Barclays.
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| 03/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American |
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I purchased XXXX XXXX XXXX XXXX on XX/XX/2021. However, I received XXXX XXXX XXXX XXXX. After multiple emails to the merchant I was offered the following options : XX/XX/XXXX : Merchant Requested that I send photos of what was received along with a picture of the tracking number to show the correct package was being reference.
XX/XX/XXXX : Merchant offered to refund {$15.00} to keep the order as is. I declined the offer.
XX/XX/XXXX : Merchant offered {$35.00} to keep order. I declined the offer.
XX/XX/XXXX : Merchant offered {$50.00} to keep order. I declined the offer.
XX/XX/XXXX : Management would authorize {$65.00} to keep the order. I declined the offer.
XX/XX/XXXX : Offered {$86.00} for items but not {$12.00} for shipping. The original offered free shipping if 2 or more XXXX were purchased. I order XXXX and declined the offer as I do not need any XXXX
XX/XX/XXXX : Merchant was to apply for a full refund and advised to wait another 5-7 days. No refund was issued.
I contacted the credit card company, disputed the charge and was issued a temporary refund on XX/XX/XXXX. The credit card company sent me a letter with a notice from the merchant showing the package was delivered. I acknowledged the receipt of the package ; but, as the previous photos showed the wrong items were in package. I was rebilled by the credit card company and I immediately opened a dispute on the rebill. The information was forwarded to the credit card company on XX/XX/XXXX via XXXX and XXXX Mail. Both sets of documents were received.
In the meantime, I place a second order for a XXXX XXXX XXXX for {$96.00} on XX/XX/XXXX. The XXXX never arrived and I disputed that charge. The credit was issued on XXXX but the credit was applied to the disputed amount of {$99.00} and not put back on my credit card as expected. The bank has refused to put the {$99.00} in a disputed status and I now owe {$3.00} due to the differences in the amount charged. I requested to speak with a supervisor multiple times but XXXX ( operator id XXXX ) refused to get a supervisor and said I would have to wait for up to 2 billing cycles for the issue to be investigated. This is unacceptable as I was told at the time of the dispute, I would not have to make a payment for the rebilled {$99.00} until the issue was investigated. Instead of getting my {$96.00} credit to my account it was applied to the open dispute.
see the attached emails and pics attached showing what was received. You can see the tracking number associated with my XXXX order.
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| 02/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/XXXX, four fraudulent purchases were made using my Barclays JetBlue Credit Card. Those charges were a XXXX charge for {$400.00}, an XXXX XXXX charge for {$1900.00}, an XXXX/bill charge of {$6.00}, and a XXXX XXXX charge of {$9500.00}. All three purchases were made in XXXX, SC. I reside in XXXX XXXX, NY, and I was in XXXX XXXX, NY on XX/XX/XXXX.
On the morning of XXXX, XXXX, XXXX, when I woke up, I saw that I had an alert via the Barclays app saying that there may be fraud on my account and also that the pin on my account had been changed. I called Barclays that day and let them know that this was indeed fraud, and that I hadn't changed my account pin. They cancelled the card, issued a new one, and let me know that they would be investigating the charges. After about ten days, I noticed that some of the fraudulent charges were still showing on my list of recent activity, so I called again, re-reported the fraud, and asked that the account be closed altogether, because I didn't have faith in their process.
A few weeks later, I received a letter from Barclays dated XX/XX/XXXX which stated that they found the three largest charges ( totaling {$11000.00} ) to be valid and thus were adding them back to my bill. I called Barclays on XX/XX/XXXX to protest the decision, and they stated that a physical card was used for the charges and that I should submit via fax a police report and proof from my place of work that I was in New York on that date. I completed that task and submitted a letter from my place of work stating that I was on-site in XXXX XXXX XXXX NY on the day of the charges, a police report logging the crime, an identity theft report that I submitted to the FTC, and two credit card statements showing that I had made charges on two other non-Barclays cards in New York XXXX on XX/XX/XXXX.
On XX/XX/XXXX, I called Barclays again to verify that my packet of documents had been received. They confirmed that they had been, and let me know that the claim was still denied despite my evidence that I could not have made charges in XXXX, SC on the date of the fraud. As a result, I am now reporting Barclays to the Consumer Financial Protection Bureau, because I have tried everything reasonable that I could. I do not believe the bank is acting in good faith with regard to these fraudulent charges, and I believe that they are guilty of negligence for letting these charges go through. I barely use the card in question, and it is irresponsible to approve such unusual, repeated high value spend.
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| 06/25/2015 |
Yes |
- Debt collection
- Credit card
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- Taking/threatening an illegal action
- Threatened to sue on too old debt
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Web |
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I got a phone call from a lady from XXXX XXXX XXXX saying that I had a credit card debt from XXXX through Juniper Barklay bank and if I did n't give them authorization to take money out of my current bank account they were going to serve me with papers at my job the following day. I explained to her I did n't know what she was talking about and that I was at work and would loose my job for being on the phone could I have a number to call her back, a gentlemen then came on the line and said it was time sensitive and if I did n't cooperate now they would serve me at work and freeze all my assets and spouses bank account and start garnishing my wages. I talked him into giving me a number and tried to call them back several times after I left work with no answer. He called me back today telling me that if I did n't give him some type of account number that they would proceed and the XXXX would freeze up mine and my husbands bank accounts if I did n't cooperate and give them my information. I explained to them I was divorced in XXXX and was sure this was something my ex husband had done. I never held a job until XXXX so I cant understand how I would even be given a card. they told me they could n't send me any information about where the card was opened or who signed the original contract until I paid it off. They had me convinced that if I did n't comply with them they would serve me papers at work for court and freeze my bank account he told me he knew I had a credit card that I could pay this debt off with and I do not. He said he was looking at my credit report as we spoke on the phone. they wanted me to give them my debit card number and allow them to take {$1000.00} out of my account tomorrow. I hadnt ' even had XXXX hours notice of even trying to fix this and they had me in tears at my job. He wanted me not to pay my house payment but pay him over the phone. They called my work XXXX days in a row. They started off wanting {$3000.00} then backed it {$1000.00} now he wants {$500.00} by Monday XXXX XXXX or they are gon na pursue taking me court. I do n't even know if this is legitimate and they wont ' send me documentation that is until ive paid it off. It very well could be something my ex husband opened in my name but I want clarification of this. I do n't want to be harassed and threatened to the point that I cant ' do my job at work because they have used scare tactics to make me pay a debt I did n't know existed until yesterday. My husband called the XXXX and they referred us to this site.
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| 01/02/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX using my Barclay Card ending in XXXX. I received the wig on XXXX XX/XX/XXXX via XXXX XXXX. Upon receipt of the merchandise I instantly noticed that the merchandise I received was nothing like the pictures that were advertised. The XXXX was supposed to be a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX I received was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX is also not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '', but rather XXXX '' in length. I attempted to contact the merchant numerous times to speak to them about a refund and they refused to respond. After several attempts they went as far as to block me so that I could no longer attempt communication with them by either instant messaging or by social media. Thereby, I filed a dispute with Barclay Card in the hopes they could resolve the issue and get me my money back as I was clearly a victim of an online scam. Barclay card sent me a letter dated XX/XX/XXXX notifying me that they had received my dispute and that they would be investigating. On XX/XX/XXXX I contacted Barclay Card by telephone as I had not received an update and I had not received a provisional credit on my credit card for my dispute. I spoke to a customer service representative to transferred me to someone in the dispute department. When I spoke to the gentleman in the dispute department I requested an update on my dispute and also to provide me with an estimated time frame in which I could expect a provisional credit. I was informed that they had been unable to reach the merchant as well and that they would issue me a provisional credit. That has not happened to date ( XX/XX/XXXX ). In fact, not only have they failed to provide me with a provisional credit but they have removed my credit history with them on my credit report which has impacted my credit score negatively and caused my credit score to drop by over XXXX points. I have been a Barclay Card customer for XXXX years and their deletion of my credit line has injured me financially as it has reduced my credit scorXXXX. They have also failed to issue me a provisional credit or update me on the status of my dispute. I have been mislead and treated in an Unfair, Deceptive and Abusive manner and have been harmed financially as a result of their failure to act prudently and within my consumer protection rights.
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| 08/17/2016 |
Yes |
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Web |
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Unauthorized account, mishandling of dispute, poor customer service.
My XXXX blue XXXX XXXX account was sold ( " converted '' ) to Barclaycard on XXXX XXXX, 2016. My XXXX XXXX XXXX XXXX account was cancelled and my outstanding balance was transferred to Barclaycard without my consent. My Barclaycard arrived in the mail and I learned that I needed to pay my outstanding XXXX XXXX balance to Barclaycard. However I had no access to XXXX XXXX on line account information or customer service after the conversion and Barclaycard did not yet have the information about transaction on my XXXX XXXX Account. So I paid my XXXX XXXX balance to Barclaycard, but also requested that Barclaycard send me statements regarding my XXXX XXXX transactions.
When those statements arrived with my prior XXXX XXXX transactions, I realized that there was an unauthorized charge on my XXXX XXXX account on XXXX XXXX, 2016. After trying to work with the merchant, I determined that the merchant was not willing to resolve the issue and issue a refund. But when I contacted XXXX XXXX I was advised that I needed to contact Barclaycard for any customer service or dispute.
XXXX XXXX, 2016 I called Barclaycard on and initiated a dispute regarding the unauthorized charge. I did not receive any case number or letter documenting the dispute, nor were the funds put back on my card. I heard nothing at all. I contacted Barclaycard again regarding this matter on the following dates : XXXX XXXX, 2016 Status check- case pending, no information XXXX XXXX Status check-case pending, no information XXXX XXXX Status check- was told they would send the dispute to the " back '' for escalation so I could get an answer.
XXXX XXXX, 2016 Spoke with two agents about the dispute : XXXX : Said dispute had not been handled correctly but it was probably because of the conversion. Requested higher escalation to Client Relations and said I should get a call or a letter sometime within a couple of weeks. However she could not provide me with any documentation of the dispute or case number.
XXXX Dispute supervisor ( Reference number XXXX ) Explained that XXXX XXXX was responsible for handling the dispute since the charges went through before the conversion. So that is why Barclaycard was not handling the dispute in the usual way. That is why I did n't get any letter or documentation that the dispute had been opened. The dispute had been sent to XXXX XXXX but nothing had been received from them and that XXXX XXXX was not being compliant with the agreement.
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| 02/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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I had a payment due for my credit card on XX/XX/XXXX with the statement balance being {$320.00}. I had scheduled a payment on XX/XX/XXXX for the full statement balance and received an email confirmation stating the payment was scheduled. On XX/XX/XXXX at XXXX I had received another email from Barclays Card stating the following : " Thank you for your recent payment Hi ( MY NAME ), Were confirming your recent payment of {$320.00} was posted to your AAdvantage Aviator XXXX XXXX XXXX Mastercard account on XX/XX/XXXX.
To review all your payment activity, please log in to your account online and select Payments.
View Payment Thanks for choosing us. " Upon receiving this email confirmation I assumed everything was good to go. On XX/XX/XXXX, one day after my payment due date, I signed in online to check my account and discovered that the payment was not in fact actually applied. With the apparent reason of them being unable to locate the bank account. Which I find unusual as I could see that the routing number was correct and the last 4 digits of the account were also correct, and as you have to enter the account number twice I find it highly unlikely that I entered the first 4 digits of the account number wrong, and no other credit card company has issues drafting money of my account. Upon discovering this I made another payment on XX/XX/XXXX with another account. I then contacted support and expressed my grievances about the system. Since it was one day late it triggered an interest charge. Support agreed to waive the interest. Upon checking today on XX/XX/XXXX, I am now being charged residual interest in the amount of {$20.00} and they refuse to waive it. My biggest complaint is that they sent me a misleading email saying that my payment was applied when it wasn't. They claim that they sent me a letter dated on the XXXX. However it didn't arrive till the XXXX, which would have been way too late to address the issue. They didn't send me any email notification that there was a problem otherwise I would have fixed the issue the same day. Instead they just wanted to wait and charge me interest so they could collect more money. So through no fault of my own I am being penalized because of a system error, which is not my fault. Again had they not just sent me an email stating that my payment was applied I would of known to check my account, or even if they had sent an email stating that there was an issue I would of checked my account, and made another payment and all of this would of been avoided.
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| 12/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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At the beginning of XX/XX/2019, while vacationing at the XXXX XXXX in XXXX, Florida, I was sold a conversion of my time share unit with the particular resort. As part of the sale, I was offered a Barclay 's XXXX XXXX XXXX that was represented by XXXX XXXX personnel that sold/signed me up for the promotional account that it was to be the first six months interest free. Upon my return home, in XX/XX/2019 ( within the first six months of receiving the card and opening the account ), I used the card for a purchase in the amount of approximately {$1300.00}. I was intending to pay off the balance in monthly installments of {$300.00} per month in order to take advantage of the first six months interest free promotion. I was shocked upon receipt of my first statement to discover that I was being charged interest on the balance in clear violation and disregard of the representations made to me by XXXX XXXX personnel. I called XXXXXXXX XXXX twice in XX/XX/2019 in an attempt to obtain a copy of the agreement and application I had signed but did not receive any documentation. After the second call, the number that I had was no longer being answered ( straight to voicemail ). I then reached out to Barclay 's on XX/XX/2019, where I told that if I paid the balance in full before the next statement there would be no interest. Obviously, I countered, that if I paid the balance there could be no interest since the amount would have been paid in full and thus there would be no need for a first six months interest free promotion. After I explained the ridiculousness of their position, their representative then changed the position and said that only XXXX XXXX purchases were interest free for the first six months. Again, I countered with the fact that this limitation was never stated and was a violation of the general nature of interest free purchases. Nevertheless, after having got nowhere, I called XXXX again on XX/XX/2019. On XX/XX/2019, I spoke with XXXX XXXX from XXXX XXXX who implicitly agreed that the particular card was marketed as the first six months interest free. That was the last conversation with XXXX XXXX personnel on this matter despite trading phone calls and receiving a letter seemingly dismissing my concerns. I believe that I have been subject to a blatant misrepresentation and fraudulent marketing scheme perpetrated by Barclay 's bank, through their agent XXXX XXXX and that both are equally responsible for the fraudulent misrepresentation of a promotional six months interest free period.
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| 01/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American |
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This complaint is against Barclay 's Jet Blue Credit Card my acct. ending in XXXX.
XXXX XXXX XXXX XXXX, DE XXXX On SUN. XX/XX/XXXX, I e-mailed XXXX XXXX XXXX ; in XXXX, XXXX using my JetBlue Mastercard to reserve a room for MON. XXXX. XXXX. XXXX I had cut my vacation short due to family matters and had to return to New York, XXXX.
When I arrived at the XXXX XXXX XXXX on MON. XXXX. XXXX the front desk told me they had no such reservation under my name but had a room available. Which I obtained using my JETBLUE CREDIT CARD.
I checked out of hotel on the morning of XXXX XX/XX/XXXX and went to XXXX XXXX hoping to get a flight to XXXX XXXX However ; no flights were available til the next day ; I purchased ticket and returned to the XXXX XXXX XXXX later that day.
The front desk representative at the XXXX XXXX XXXX informed me there were no rooms available nor any other hotels in area.
So not having a hotel I had to spent the rest of the day and night at the airport till my XX/XX/XXXX XXXX XXXX flight to XXXX NJ.
Sometime later when I received my JETBLUE M.C. credit card statement there was a charge of {$140.00} for hotel logging on XXXX. XXXX.
I immediately filed a complaint with BARCLAYS JET BLUE CREDIT CARD.
I also contacted the hotel through e-mail but got no response.
On XX/XX/XXXX BARCLAYS JETBLUE reinstated charge stating merchant had not violated terms and conditions of sale.
This is completely false. In a written statement given to BARCLAYS JET BLUE in their defense they state : " XXXX XXXX made the reservation by phone. He was advised about the cancellation policy. The customer never arrived so we charged him. '' The fact is ; if that if that was true they would have my correct name since reservations would have been made on my credit card. I made no such reservations and if I did it would be under my name XXXX XXXX.
Again I sent documents in my defense to BARCLAYS JET BLUE and never heard from them.
I called them to inquiry on XXXX. XXXX. XXXX, XXXX and was told it was determined the charge was legitimate.
It was not only NOT but in fact FRAUDULENT! With overwhelming evidence in my behalf. The BARCLAYS JETBLUE representative stated there was nothing that they could do but I could reach out to the hotel again.
I request a full refund of the false charge of XXXX & want to file a formal complaint against BARCLAYS JETBLUE CREDIT CARD for their unprofessional, lackadaisical and promotion of fraud by a vendor and not protecting me, the card holder of this false charge.
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| 03/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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|
Web |
Older American |
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I have a credit card from Barclays Bank and have maintained this account in good standing since XXXX.
However, entirely because of Barclays repeated failure to follow its stated policies and stand behind what its representative assured me by phone would happen, I have been charged {$59.00} in fees plus interest of {$47.00}.
Twice, I wrote to the company with the details, and both times the response has been a form letter essentially suggesting that nobody cares.
On XX/XX/XXXX, I mailed a check for {$5200.00} to Barclays which more than covered my balance, due 13 days later, on XX/XX/XXXX. On XX/XX/XXXX, Barclays received my check.
Barclays did not present the check to my bank.
Barclays did not credit the payment to my account.
Barclays did not give its own relationship managers any way to know that it had received this check.
On XX/XX/XXXX when I noticed my payment was not credited, I called and talked to Barclays Relationship Manager XXXX. He advised me to stop payment on my check, which apparently had been lost in the mail. He told me that if the check somehow were presented to my bank and returned, Barclays would waive any fee for that.
On XX/XX/XXXX, I still had no way to know that 16 days earlier, Barclays had received my check. I determined that it had not been presented to my bank, and I instructed my bank to stop payment. This is what Barclays had instructed me to do, and XXXX charged me {$30.00}.
Later that same day, I spoke to another Barclays Relationship XXXX, XXXX, who told me the check had been credited to my account the previous day. She also told me that Barclays had begun trying to verify the check on XX/XX/XXXX.
On XX/XX/XXXX, I wrote a detailed letter to Barclays following the instructions for doing so that are printed every month on my statement. In return I received a form letter stating : We are currently unable to complete your request. The letter instructed me to call customer service.
I did so and spoke with still another Barclays Relationship Manager who told me the {$29.00} returned payment fee was valid and could not be waived.
On XX/XX/XXXX, Barclays charged my account {$47.00} for interest charge on purchases even though my account had been fully current since XX/XX/XXXX. ( One month earlier, on XX/XX/XXXX, Barclays charged me {$130.00} interest. Later, without any explanation, Barclays reversed that charge. ) I have tried to resolve this by letter and by telephone, without success. The problem was entirely caused by Barclays, not by me.
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| 05/05/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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On XX/XX/XXXX I enter into a Trial for 2 products with the Merchant XXXX XXXX XXXX for which I paid {$4.00} and {$5.00}, respectively as shown on Credit card statement and for which i never received an email confirmation or receipt. The product was shipped on XX/XX/XXXX and arrived the first week of XX/XX/XXXX.
Since i did not like the product neither received any confirmation of my Trial I thought there was no Trial.
On XX/XX/XXXX appears on my credit card a second order with two additional charges for two more products {$88.00} and {$89.00} respectively from XXXX XXXX XXXX each dated XX/XX/XXXX. The same day I called Barclays, my credit card company and customer service instructed me to call the Merchant but still opened a dispute closed the current card and open a new one.
I called the Merchant, canceled the shipping, the Trial and ask for a refund for the charges. I was told not to worry i will have to wait 10 days for my refund. To this date XXXX XXXX this refund was never issued.
On XX/XX/XXXX, I received a letter from my Credit Card Company ( XXXX ) dated XX/XX/XXXX stating that they investigated and concluded " ... The merchant provided shipping details that shows the merchandise was shipped and delivered ... '' The documents show the order on XX/XX/XXXX and a shipping on XX/XX/XXXX Which means the order made on XX/XX/XXXX was shipped on XX/XX/XXXX, therefore they accepted the charges. ( they did not look at the dates and year discrepancy. Its impossible to ship an order that is not even made yet ).
On XXXX XXXX I disputed the investigation and sent a letter explaining the facts and making note that the order was not the same and the Merchant was referring to the First Trial order I made, not the second order which I canceled before the product was shipped.
I spoke with XXXX on customer service from Barclays and explained the mistake on the dates and he opened the dispute again understanding that I was right. A shipping date appears to be before the order was made.
On XX/XX/XXXX I received a letter from Barclays saying that after a further review they are not able to assist me on this credit due to " Services were rendered and the merchant is due payment '' which is not true since i never received the Merchandise and the Merchant XXXX XXXX XXXX can not provide proof of shipping of this second order because it was never shipped and/or received.
I have been trying to contact either Barclays Credit Card and XXXX XXXX XXXX with no success after 1 hour on hold with both.
|
| 02/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
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|
Web |
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Balance transfer XX/XX/XXXX completed and the promotional 0 % interest was good through XX/XX/XXXX. I had purchases on the XX/XX/XXXX statement as well and my balance was XXXX including the transfer fee. I paid XXXX on XX/XX/XXXX bringing the balance to XXXX on the XX/XX/XXXX statement. That payment was fully put toward the balance subject to interest. At this point the balance was all 0 % promotional. From XX/XX/XXXX through XX/XX/XXXX I paid XXXX bringing the balance to XXXX.
In XX/XX/XXXX I made a large purchase on XX/XX/XXXX ( XXXX ). I made a XXXX payment on XX/XX/XXXX. Barclay MasterCard began putting all money paid toward the purchase ( higher interest ). I also made a payment of XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. I was making large enough payments to pay off the promotion on time. In XX/XX/XXXX I realized what was happening and I contacted Barclay.
They advised they do not put any of the payment toward the promotion and only apply it to the highest interest even though I wanted them to apply it toward the promotion. I was frustrated but not given any options.
A few days ago as I was reviewing my payments and how they were applied I noticed the promotion/balance transfer amount never went down since XX/XX/XXXX of last year and in fact now has a higher balance. I read that the changes in how payments are applied that occurred in XX/XX/XXXX state creditors must apply the payment to the balance with the highest interest rate first. I also read that the consumer can choose to have the extra payments beyond the minium due applied to a promotion balance. I was never given that choice. I paid more than enough to cover the total XXXX minimum payment due at the point of my XX/XX/XXXX payment.
I called again Sunday XX/XX/XXXX to ask about that balance transfer/promotion. I was unable to get clear answers from that associate and requested a supervisor. After waiting 15-20 minutes the associate came back on the line and said a supervisor would call me within 24-48 hours. I advised I was concerned that would not happen and I wanted to resolve this issue.
I did not receive a return call within the 24-48 hour timeframe. I think that company avoided payment on the promotion amount to push it into accruing interest with the purchase balance I made in XX/XX/XXXX. I want to dispute the action they took and believe they should have to go back and correct it. I decided to make a complaint as I was unable to resolve it with Barclay. Ihope to get some help and answers about this issue.
|
| 04/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
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On XX/XX/XXXX I submitted a request for payment deferment due to Covid-19. I was laid off from my job. I submitted online and received a message stating once the request submitted I would be allowed to skip the next two months ' payments. ( Please see the message from BarclayUS below ) However, today ( XX/XX/2020 at XXXX from XXXX ) I received a call from Barclay Card customer service rep saying my account is past due, I have been charged a {$49.00} late fee. If I paid the minimum {$27.00} today, they would reverse the late fee. I explained I had requested payment deferral due to being laid off. She asked me when I was laid off, and if I could make the {$27.00} payment. I explained money is tight and I prefer not to. I also explained I had applied for payment deferral. She said she had no record of that. When I pulled it up on the " Message Center '' in their website and told her it is there. She stated that she could not access message center messages.
I asked her for payment deferral and she said it is too late for XXXX and that she would defer XXXX. She asked me to make the payment now with her on the phone and then she would reverse the late fee.
***** MESSAGE FROM BARCLAY US BANK RECEIVED XXXX XXXX************ Thank you for contacting us regarding your Barclaycard Rewards Mastercard .
We understand your concerns and want to provide assistance to our cardmembers who have been impacted by the COVID-19 coronavirus. If you are unable to make your payment during this difficult time, were here to help. You can request payment relief online by logging in to your account at the website listed on the back of your card, choosing " Contact Us '' and then select the " Payment Relief '' option to submit a request.
Once you submit your request, we are allowing you to skip the next two payments due on your account. This means you do not have to worry about making a payment for this current billing cycle or the minimum payment due reflected on your next statement. The minimum payment due will still appear on your next statement and interest will continue to accrue, but you do not need to make a payment.
Please allow us 5 to 7 business days to make these adjustments to your account. If you have set up Repeat Payments on your account, you will need to cancel them or a payment will be applied to your account. As a reminder, you can view your transactions, check balances, and manage your account through the website listed on the back of your card or our mobile app.
Sincerely, Customer Care
|
| 10/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
It began when we ( me and my wife ) processed a payment on our daughters electronic tablet on XX/XX/XXXX in the amount of {$4.00} to XXXX XXXX ( game developer ) via the XXXX XXXX app. Barclays did contact us immediately to confirm that this was authorized purchase, of which we answered in agreement to authorize it. Soon after, beginning on XX/XX/XXXX, my daughter used this card to process purchases mostly to XXXX XXXX ( other game developers also, always through XXXX XXXX ) without our consent. I contacted Barclays in early XXXX to dispute these charges, of which, your representative put me in contact with a XXXX rep and XXXX agreed to credit us back a portion of the purchases totaling {$220.00} with the assumption that we would contact the game developer, XXXX XXXX, and dispute the remaining balance directly with them. At this time I have contacted XXXX XXXX three times via email and they have not replied to my inquiries as of yet.
I would like the remaining balance of {$440.00} credit back from either XXXX, XXXX XXXX ( and other game developers ) or Barclays. The U.S. Truth in Lending Act covers unauthorized purchases in excess of {$50.00}, protecting consumers.
The XX/XX/XXXX letter stated that Barclays position is that, once a cardholder releases the account information to another individual for use of the account, he/she is accepting responsibility for any and all purchases made by the individual. I strongly disagree with this position. The comparison to my situation is back when the Federal Trade Commission ordered XXXX to pay out a minimum of {$32.00} XXXX to reimburse parents for unauthorized mobile app purchases made by their kids. Whether youre doing business in the mobile arena or the mall down the street, fundamental consumer protections apply, said FTC XXXX XXXX XXXX in a statement. You can not charge consumers for purchases they did not authorize. This is identical to my position, these charges were made by my 10 year-old daughter without our approval.
The fact that XXXX refunded us {$220.00} of the original {$660.00} in unauthorized charges demonstrates that they are accepting responsibility, yet, not completely, based on the partial refund. XXXX position at the time of their refund was that they will refund the {$220.00} and remaining balance owed will have to be addressed by contacting and disputing the charges with the game developer, most of which is XXXX. At this time, XXXX has not replied to my three inquiries and XXXX has refused to reimburse us any more money.
|
| 04/14/2017 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
Servicemember |
|
To Whom it may concern, I currently serve as an XXXX member in the XXXX. I am moving overseas to XXXX, and taken on debt, knowing Barclays contract of 0 % APR and no annual fees, to cover the costs associated with a move across the globe. I wanted to bring to your attention to a cancellation of Servicemembers Civil Relief Act ( SCRA ) benefits by Barclays Bank on their Mastercard Gold Card that will likely put many servicemembers, including myself, in a financial bind, and at the very least is an abuse of those servicemembers ' good faith and trust in Barclays as a financial institution and lender. In XX/XX/XXXX, I, along with many friends currently in my unit, opened a Barclays Gold Card with an agreement that the SCRA benefits afforded to me would include a 0 % interest rate on both old and new purchases, balance transfers and cash advances ; no fees of any kind, which included waiving the annual fee of {$990.00} each year and charge of {$290.00} for each authorized user ; and no collection efforts. After reading that the waiver of annual fees was withdrawn from the offered benefits on XX/XX/XXXX. Over the phone with Barclays, I was assured that I have these benefits until year XX/XX/XXXX. The customer service representative said " my entire lifetime, as long as I held the card. '' I would be happy to hold these benefits as long as I am XXXX. On XX/XX/XXXX, I received a memo stating the annual fee would now be assessed each year, and I will be charged {$990.00} dollars. I will be XXXX/moving out of the Country as an XXXX member, and have utilized my Barclays XXXX XXXX to cover costs associated with an overseas move. I am worried I can not afford to pay off my credit card before the annual fee is assessed, and therefore, putting me into an even deeper financial bind. Barclays should grandfather the annual fee waiver until my XXXX service is over, in order to give me time to pay off my {$15000.00} balance that I acquired to support my overseas move. I write because I know of countless servicemembers who were deceived by Barclays, offered extremely high credit lines, most in excess of {$25000.00}, with the promise of 0 % AP. I now face the decision to either pay the balance and close their credit card, possibly putting them in a position of financial hardship, or pay the exorbitant annual fee. I hope you can see why this is an abuse of both servicemembers ' trust and the spirit of the SCRA, which has long provided XXXX members and Veterans a piece of mind in making financial decisions.
|
| 10/25/2016 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
|
I opened a BarclayCard on XXXX XXXX to help rebuild my credit, after not having credit cards for a decade. During the first few weeks I signed up to their online system, and waited to receive information about my first payment. I charged some school expenses and I was ready to pay off 30 % in the first month. I never received my due date in the documentation or online.
Finally, after calling several times ; my first payment was to be due on XXXX XXXX. I logged onto the website, entered my bank details and made my first payment. I received an email confirming the payment. A week later, I received a letter, not an email, ( the day my payment was due ) that my payment did n't go through and I needed to make a payment. I rushed to the computer and phone, and managed to make a payment over the phone minutes before it was due. I called again to confirm it was received, which it was. I received a payment confirmation.
About a week later I received another letter ( not an email, although I had been receiving advertising emails from them ) that my payment did n't go through. I immediately logged on and called. From the website it said my account was not active. The person on the phone took my bank details, made a payment and said everything was fine, and that my next due date was XXXX XXXX.
The next day I received a letter from Barclaycard saying after reviewing my credit report and because of my delinquency ( I assume with my first payment ) that my account was cancelled and to destroy my cards. And just today I received an {$5.00} starbucks card in the mail as a thank you.
This company has a faulty online system that confirms payments even though they do n't go through, and their communications are confusing if not illegal. If I receive an email stating my payment was received, should n't I also receive an email saying they were not able to process it? Instead of a letter, which in the second instance took 8 days to show up. One might assume they are purposely making the process confusing as to incur more penalty payments from consumers. Notwithstanding the entire time I was receiving promotional emails from them.
p.s. each time my payment was made there was plenty of funds in the bank account. The first time might have been a routing number issues on my part ( I have XXXX routing numbers, XXXX for wires and XXXX for checks ). However, the second payment I made on the phone to a representative. Both were confirmed with confirmation numbers on the top of the letters I 'm attaching.
|
| 07/24/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Starting XXXX of XXXX, I decided to not use my XXXX Credit Card and start making payments in order to reduce my balance on my XXXX card. At the time that I started paying payments I decided to pay some amount over the minimum requirement. The amount of monthly payments I made was {$200.00} ( approximately {$45.00} over minimum amount at the time ) on the due date. Every time the payment is due and when XXXX received my payment they sent emails reminding the due date and then confirming receipt of my payments, in which, they never mentioned that my auto pay has fallen under minimum payment required or any mention of late payments due to such change in my account. Since the payments were done automatically from my checking account, I thought I am on track to reduce my balance on my card. My payments were due on the XXXX of each month. Apparently, because of XXXX of XXXX holidays in XXXX, XXXX had received my payment on the XXXX of the month and that triggered the increase in my payments without any notice from XXXX XXXX. They just accumulated the interest and late charges each and every month and charged me late payment fees and about XXXX % of interest on the total balance on my card. I did n't receive a courtesy call or a notification that my payments have fallen under minimum payment and charges are being accumulated in my account without any additional purchases and/or charges from my part. I have not used their card from early XXXX till today. I had to payoff some of my credit cards in order to qualify for a new home loan and that 's when I found out about the charges being accumulated in my account without any notice or courtesy calls. I followed up with the XXXX XXXX and after talking to the managers and representatives and explaining that if the payment is late for one week, I would receive numerous phone calls reminding me of such, however, there was no warning letters, emails or phone calls to remind me of such discrepancy. After following up with the XXXX cards and making many phone calls I could not resolve the issue with them. XXXX finally concluded that the charges are valid and they will not issue any credit toward late charges and/or interest charged on such late charges. In my opinion, these are fraudulent charges with no merit. A credit card with no activities for almost a year and a half should NOT have a higher balance than when I started making $ XXXX monthly payments. They only act to their own benefit without any consideration or regards for their card holders.
|
| 02/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
|
INTRODUCTION OF CASE : XXXX XXXX and XXXX XXXX XXXX were XXXXXXXX XXXX XXXXXXXX customers, and had automatic payments setup on a XXXX Rewards card ending in XXXX. On or about the third week of XX/XX/XXXX XXXX XXXX called Barclays Card and advised them that as of XX/XX/XXXX, XXXX XXXX and XXXX were parting ways, and " not to accept anymore charges on card ending XXXX. On XX/XX/XXXX Barclay accepted a charge of {$1200.00}, against the principle card holder 's instructions. XXXX XXXX has called Barclay multiple times advising them that Barclays employees had committed and error in accepting the charge and that XXXX XXXX had taken all legal steps by instructing Barclay to refuse any and all charges to the credit card ending in XXXX from XXXX XXXX XXXX, as there was a posted flag on said account that reflected those instructions.
XXXX XXXX was informed by Barclay employees that only the merchant could cancel automatic payments/charges and that it was in the terms and conditions of the contract between XXXX XXXX and Barclay, at this time XXXX XXXX immediately asked for a copy of the contract, on or about XX/XX/XXXX the copy of said contract was received by XXXX XXXX, and found out that Barclay employees were in fact willfully, and knowingly lying and committed a willful and knowing act of Fraud pursuant to California Penal Code Section 484.
XXXX XXXX has advised Barclay employee 's to cease and desist any further communications as to this matter, as the clear and willful mistake was wholly due to a Barclay employee 's mistake, and that XXXX XXXX owed nothing. Barclay has continued to harass XXXX XXXX and XXXX XXXX XXXX by continuing to contact, XXXX XXXX and XXXX XXXX XXXX by emails, letters etc. In willful and knowing violation of California Penal Code Section 646.9.
Lastly Barclays is a knowing and willing partner with XXXXXXXX XXXX XXXX in violating all the above, and now wants XXXX XXXX to provide the letter sent to XXXX ending the contract between those parties, XXXX XXXX has advised Barclay 's employees that the letter is a legal letter between said parties and none of Barclay 's business. thus Barclays is willfully and knowingly trying to unlawfully enforce a contract between the two parties in knowing and willful violation of the Consumer Financial Protection Act of 2010. Further these combined acts between partners XXXXXXXX XXXX XXXX and Barclays is nothing more than two partners unlawfully attempting to extort money from old US Citizens, ( 65+ ). Shameful and corrupt acts.
|
| 12/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Dear Ombudsman, I have a complaint that seemingly can not be resolved with customer services for my Barclaycard.
I paid for a XXXX XXXX XXXX XXXX XXXX- on my XXXX XXXX That XXXX card was then hacked and I replaced it with the barclaycard in question, uploading the details of it to my XXXX account.
I was then rebated {$610.00} on my transaction from XXXX, and they placed a credit on the card on file - the barclaycard. This transaction occurred on XX/XX/2022. Receipt attached.
I have never received this credit, despite over 2 months of asking for it and following all protocol from Barclays.
I spoke to customer services reps several times on the phone from XX/XX/2022 and went into great detail about what happened. I was recommended to write to Barclays at the " billing disputes '' dept with paper evidence of the transfer. I sent them : 1. the receipt for the transfer showing that the credit had occurred on XX/XX/XXXX from XXXX XXXX my barclaycard, 2. the statements showing it had not been credited either to the new XXXX XXXX XXXX XXXX, 3. a covering letter explaining that the money had not been debited first as a purchase from XXXX on the barclaycard, so this was not really a billing dispute but a missing credit.
I received no reply in a timely fashion, so called again several times between XX/XX/XXXX - XXXX and asked to speak to a manager. I call XXXX XXXX XXXX XXXX and I was told that this had been referred to the wrong dept and was not a billing dispute, and I am told this every time I write or call in. Each rep apologises on the phone for this truly awful service, but no credit has given. Case no is XXXX.
Although they quote this case number over the phone, when they wrote to me again recently to tell me AGAIN it was not a billing issue and they could not credit the money to my account because of that, they quoted this reference number : XXXX XXXXXXXX.
They also verbally take no liability for not receiving the money, if this is what happened, saying this is XXXX 's liability. XXXX say they are liable for sending the money only. They have seen the receipt XXXX sent me showing the money clearly transfer onto the correct credit card.
Additionally I am racking up a phone bill from the XXXX XXXX XXXX XXXX XXXX XXXX every time I call, and Barclays have been earning interest on the {$610.00} since XX/XX/XXXX.
I would like Barclays to give me the money I am owed and additionally take off the annual fee of {$99.00} for my inconvenience.
Please help!
XXXX XXXX XXXX
|
| 01/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
|
On XX/XX/2020, I purchased two shore excursions from XXXX based in XXXX, Wi to be used on a XXXX XXXX while visiting XXXX XXXX on XX/XX/2020, and XXXX, XXXX on XX/XX/2020. These were each paid in full {$230.00} for the XXXX XXXX excursion and {$240.00} for the XXXX excursion. Each was paid with my Barclay Card account ending in XXXX as shown on the attached copy of my billing statement ending on XX/XX/2020.
At that time XXXX had a published policy that stated that a Shore Excursion could be canceled at any time prior to departure and a full refund would be issued. A short time later XXXXXXXX XXXX canceled the cruise due to COVID-19 travel restrictions in the U.S. and XXXX.
I contacted XXXX via email and requested a full refund as outlined by their published terms. I did not receive a response to my request until XX/XX/2020, when I was contacted by email ( attached ) and offered the ability to re-book the excursions to a later date or receive a Gift Certificate for a future booking but no refund despite their published terms.
I responded to them via email on XX/XX/2020, rejecting their offer and reminding them of their published terms. I waited approximately 60 days and did not receive any further communication from XXXX.
I then contacted Barclays and filed a complaint online about these transactions. Several months went by and I finally received a letter about Case Number : XXXX dated XX/XX/2020, in which they stated " Due to the length of time that has passed since the charge posted o our account, we are unable to take further action on this disputed charge. We encourage you to continue to pursue credit by contacting the merchant directly. '' That letter did not contain any information on how the file an appeal to their decision.
I continued my attempts to contact XXXX as suggested by Barclays by phone and email. All phone numbers on their website either rang but with no answer or were disconnected. My emails went unanswered.
Today, doing further research I discovered that XXXX has been placed in receivership owing 4.76 million in customer deposits for trips that have been canceled. It appears that this company took money that I and others paid them for excursions and never passed those funds to the excursion vendors who provide the excursions at the ports. I would expect that would be a criminal offense. ( copy attached ) I believe that Barclays has failed to protect the Credit Cardholders from merchants who have either acted in bad faith or have broken the law.
|
| 05/14/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
I have been dealing wiht Barclays Bnk regarding my credit card since X/X/2017 . I have already submitted a complaint nothing has been done by the company to correct there mistake and now the problem has gotten worse. On X/X/2017 i called Barclays bank to inform them i was unable to return to work due to an injury, and asked if there was any programs to help me out as it would be very hard to make payments until i receive my XXXX hearing as i have very little income. The representative told me that they would be able to help me but not until my account was past due, she even went as far as to put me on hold while she double checked for me. She than informed me it would not be a problem but i needed to call back after my account was past due. On X/X/2017 the day after my account was due i called back and was told by a representative, that they would help me but my account needed to be more than 30 days late. After reviewing my accounts on X/XX/17 i n oticed the account in question had been marked as past due and a fee applied, i called again on X/XX/17 and was told sorry theres nothing we can do to help you. I have been in contact with the office of the President of Barclays card who also refuses to help stating i was misinformed and that the person who i originally spoke with does not knnow the requirements for assistance. When i called the first time to speak wi th Barclays on X/X/17 m y account was not late yet, I allowed it to go late based one misleading information i was given by a representative of this company, i was given this incorrect information apparently multiple times. Because of this company i now am two months behind and they are now damaging the credit i was tryinng to rebuild by making negative reports to the credit bureaus. I was injured at work and am awaiting a disabilty hearing, i have every intention of paying my balances off with this company once i have an income source again. i was misled into allowing my account to go late, if i would have been informed that there was no way to help me in the first place i would have done everything in my power to keep this account current, but becuase of the misleading information they gave me i am now two months behind and getting negative information given to the credit bureaus, i can not even apply for a debt consolidation loan becuause my score has dropped over XXXX points just from the negative comments from this company, this is an outrage,
|
| 02/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Situation : I was charged {$9000.00} on XX/XX/XXXX for payment to a contractor through XXXX.Ayear and a half later this moneyremains unaccounted.I filed a CFPB complaint against Barclays on XX/XX/XXXX and was told there was no new information to the case. There has been more information gathered after their XXXX response on XX/XX/XXXX that involves two conversations with Barclays representatives.
I am attaching tapes of these two conversations.
1. The first is a recorded call on XX/XX/XXXX between a XXXX representative, XXXX, and a Barclays representative. Starting at XXXX - XXXX during this call, XXXX representative confirms that the bank ruled in my favor on the chargeback and they refunded the money on XX/XX/XXXX.
2. The second conversation occurred on XX/XX/XXXX with a Barclay Supervisor named XXXX. Beginning at XXXX in this call, she states that there is a strong likelihood that XXXX refunded the money to the closed credit card XXXX and that was never transferred.
Barclay continues to say that they returned the money to XXXX on XX/XX/XXXX. XXXX, in a XXXX complaint and on XX/XX/XXXX, says that they sent the money back on XX/XX/XXXX to the originating Barclay account ( XXXX ) which Barclay has previously closed so I had no access to transactions that occurred on that account.
Further, in response to my XXXX XXXXCFPB complaint, I was given yet another unmanned phone line to contact regarding my complaint. When I call the number provided, I can only leave a message and to-date no one has responded to my inquiry in almost a month.
Im requestingthat Barclays send me thetransactionrecordsformy closed credit card account ( ending in XXXX ) from XX/XX/XXXX- XX/XX/XXXX as I have a strong reason to believe that XXXX refunded the money back to me via the old credit card they had on file ( XXXX ) that was no longer an active card and that money was never transferred over to my active card ( XXXX ).
I have spoken with hundreds of customer service representatives/supervisors and more than three upper-level managers at Barclays ; provided documentation of XXXX 's response ; and written numerous letters requesting resolution. While Barclays responded that no new information has been presented, I disagree andrequest that Barclay provide transactionalaccount statements on my closed account, XXXX, from XX/XX/XXXX to XX/XX/XXXX toshowthatBarclay never received the XXXX XXXX XXXX transaction. Please respond to my email with any additional information requests you may have.
|
| 07/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Near the end of year last year couple of my all my accounts where hack including emails due to me having the same password across all accounts so don't know what was first but lost thousands in crypto and charges where made on a couple of my credit cards where the indivuals where even ordering additional card holder under my accounts. The crypto money I completely lost due to it having no recourse but my chase business credit caught it an stopped the charges rifht away an call me to confirm thats when i became aware but the real issue is ihave a barclay XXXX credit card that had multiple unauthorized transactions charged on it from XX/XX/2021 to XX/XX/XXXX XXXXdue to the lack of security or due diligence on Barclay 's behalf they allow around XXXX in charge to be approved even though I only have a XXXX credit limit apparently they where making fake deposit or using a foreign bank account to make payments on my card while they kept charging an barclay didn't catch it until I called them asking them why they haven't blocked the card or even call me to confirm the criminals cause it's definitely more than 1 seem to be XXXX they sent around XXXX in XXXX payments to XXXX under two different names they also where able to order additional card holder cards an sent to other address " barclay didn't want to disclose address to me even tho it's my account I would of found them myself ''. Long story short they reversed all charges in XXXX and in XXXX or XXXX they reapplied all charges to my account due to there investigation being inconclusive since when they asked me about the physical credit card whereabouts I told them its still in my possession I had not lost my wallet nor any of my cards but somehow I was hacked or cloned I provided them with the police report filed listing all un authorized transactions for them to reinvestigate and again they said it's inconclusive an decision stand I asked for the investigation report as to how they made there determination an to what extend was this looked into an they denied to provide any information but want me to pay XXXX in unauthorized which are all individually stated in the police report this has become a huge financial burden cause now I'm making XXXX minimum payment until I get resolution and need further guidance or assistance as to what to do next to get this situation cleared up my other credit cards resolved the issue quickly internally but barclay was scammed the most an doesn't want to fix there mistake on lack of security
|
| 01/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with cash advances
|
|
Web |
|
|
I have a very serious issue with the Barclay 's AAdvantage card. I have called twice since XX/XX/XXXX, discussed the issue with representatives and was provided with a case number, but was told it would take up to two billing cycles to be contacted by a XXXX which is unacceptable. I received a form letter yesterday ( XX/XX/XXXX ), whereby it states that they understand my concerns and appreciate the time Ive taken to provide valuable feedback however I requested a more direct contact/conversation to rectify this major error to our new account and the standard letter doesnt address my concerns or solve this issue.
My husband and I traveled on an XXXX flight on XXXX XXXX and was provided with a paper application for the card upon departing from the flight. I completed the application, with a request to transfer {$5500.00} from our XXXX XXXX credit card to Barclays AAdvantage credit card with the understanding that there would be an introductory 0 % APR for 15 months. I waited over XXXX weeks and hadnt received confirmation via email, phone or the card in the mail.
My husband and I telephoned on XX/XX/XXXX and was told by a representative that there was NO record of the application. We then initiated with the representative a new application, requesting {$8400.00} ( increasing the {$5500.00} in order to cover our travel expenses ), with the understanding that there would be a transfer fee of {$420.00} and 0 % APR.
The PROBLEM is that the representative made a significant error and misinformed us as both requests/actions occurred so that we ended up being charged for a second balance transfer for the initial request of {$5500.00} AND a APR charge ( since it was our " second request '' ). Both transfers were posted on our XXXX XXXX card on the same day so I don't understand how it wasn't possible for Barclay 's representation to not see the initial application!
I called twice in order to get this rectified as we DID NOT WANT BOTH, nor pay for the {$5500.00} balance transfer fee and get involved with paying an APR on the amount. In explaining the situation to a Barclay 's representative, I requested the ability to immediately pay off the {$5500.00} balance transfer, but was told it wasnt possible. I dont see how this isnt possible since the finance charge is being charged only on the {$5500.00}. balance and its a matter of crediting our credit card the {$5500.00} amount, as well as the balance transfer fee of {$270.00} in as much as this is an error on their part.
|
| 09/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
This is related to four tickets I purchased on my Barclay Card on XX/XX/XXXX to XXXX via XXXX - Merchant Name -- XXXX XXXX. Round trip flights from XXXX to XXXX for XX/XX/XXXX, supposed to return on XX/XX/XXXX. The flights were cancelled due to the pandemic. When I asked for a refund, XXXX told me the airline asked for 6 months. I understood and waited. I communicated with XXXX several times after and they responded that XXXX XXXX refund department would be refunding me my money.
On XX/XX/XXXX I wrote to my credit card company to file a dispute explaining I was yet to receive a refund for four charges : 3 for {$600.00} and 1 for {$560.00} - a total of {$2300.00} Right after I sent the letter, Barclaycard opened up a dispute and credited my account.
Fast forward to XXXX of XXXX, Barclaycard clawed back the refund and when I inquired as to why - the customer service rep said that the airlines said there was no fraud! Evidently there was no fraud and I never mentioned fraud - the services I paid for were not provided and I was asking for my money back. I had to explain to customer service the story again and they told me to send a second letter which was sent on XX/XX/XXXX. I have called upteen times to no avail.
I checked my Barclaycard site this week and low and behold I had FOUR NEW CHARGES from XXXX XXXX. I called in and advised that THOSE were indeed fraudulent- I had not purchased those flights and they say they are going to investigate this and send me a new card.
I also inquired about the original case where the airline cancelled my flight and they had credited and then taken back the money - case # XXXX ( not sure if the O is an O or the number zero ) - and the customer service rep told me that the case was closed!!! No one has reached out to me. When I told her how could this be, she told me I had to write another letter!!! I asked her to please escalate, that this was unacceptable, that I wanted to discuss this with someone in Corporate and she told me all she could do was escalate to a Manager.
Please help me. All I want is my money back, and credit me back all the interest they have charged me and then I want to cancel this credit card as it is the WORST in Customer Service. I have called over 15 times, explained over and over to no avail.
attached you will see screenshots of the communications with XXXX and the letters sent to BarclayCard. Barclay Card ending in XXXX Barclay Card Dispute = XXXX XXXX XXXX, XXXX, Delaware XXXX Phone number - XXXX
|
| 07/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
Friday, XX/XX/XXXX XXXX XXXX XXXX XXXX ran my Old Navy credit card crediting it {$150.00} without my authorization. Without me purchasing anything and without me receiving any services. I signed nothing and immediately disapproved and was told the charge would be credited back to my card by the following Tuesday, XX/XX/XXXX.
Tuesday the credit was not returned. I visited XXXX XXXX XXXX XXXX and was told the credit would be returned to my credit card on Friday, XX/XX/XXXX.
The lady who assisted me would not give her name so I wrote the business stating I wanted the money credited back to my account and received no answer.
I called Barclays Bank and disputed the charge. Stating I did not give authorization. I did not sign anything or received any services or products from XXXX XXXX XXXX XXXX.
As it stands Barclays Bank gave my {$150.00} to XXXX XXXX XXXX XXXX without XXXX XXXX XXXX XXXXl giving me anything in return or authorized to do so. XXXX XXXXXXXX XXXX XXXX stole my money with Barclays Bank help.
After going back and forth with Barclays Bank I paid my balance leaving the {$150.00} plus {$1.00} x 2 the cost to fax the dispute letters and closed the account. I didnt add the first fax fee of {$7.00} because at that moment I couldnt find the receipt. Barclays Bank reopened the account and start charging me interest and late fees.
Since XX/XX/XXXX Barclays Bank calls me on the advantage five times sometimes more a day. Only four representatives ever spoke on the phone, one said she was closing the account again, one sent me statements, and all four of them said they were sending my dispute to the dispute specialist. The other 100s of calls have no communication. I answer the phone and say hello and the person on the other end hangs up.
I seriously think there is a communication problem with Barclays Bank representatives. The representatives I spoke to when I opened the dispute did not seem to understand or hear me say I received nothing. No service no product and I did not authorized the transaction. It sounds as if they were reading a script or AI programed to repeatedly say there is no dispute.
Barclays Bank gifted my credit and now expects me to give them {$150.00} to pay for a gift I did not give.
Please investigate Barclays Bank. Something is definitely not right. I have the account with Barclays Bank. Why would a Barclays Bank not look at all the red flags associated with XXXX XXXX XXXX XXXX theft and call 100s of time, saying nothing then hangs up?
|
| 09/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
|
Fraudulent Charges first appeared the statement I received for XXXX XXXX. I contacted the Barclay Fraud number and was told it would be investigated, which would take about 30 days. I was also told to destroy my cards, and contact any institution that I had on automatic payment set up for as the number will change. A new card would be sent in 3-5 business days. I never received these cards. I received acknowledgement that an investigation was open and I would received the results in a letter dated XXXX XXXX was in I received a letter from Barclay stating the {$1600.00} in dispute was ruled in my favor and the account was closed. No charges were made on this account as I had neither received a new card and the automatic payment had been canceled. I confirmed with Wyndham that the XXXX payment had not been made and I would have delinquency payment. I settle that with another card and set up automatic payments using a different card company.
I received a letter from Barclays on XX/XX/XXXX, confirming that the amount in dispute that I was not responsible. My statement for XXXX XXXX had additional fraudulent charges from the XXXX NY. The previous fraudulent charges were showing the same address. I again contacted Barclays and explain to them that I had not received the cards, My account was suppose to be closed on XX/XX/XXXX but charges were made and accepted by Barclay on XXXX XXXX. I clearly stated to the agent that the account was to be closed and no more trans action would be authorized by me.
Barclays opened another Investigation. Received a letter confirming the account was indeed closed and an investigation initiated. Letter from Barclay confirmed I was not responsible for the fraudulent transaction. The XXXX statement XX/XX/XXXX showed a balanced forwarded of {$380.00}. I called and followed up with a registered letter return Receipt on XX/XX/XXXX to Manager of the Fraud Department, I received the return receipt but no one at Barclays signed for it. The letter outlined all the actions since XXXX to get this resolved. I requested certain actions be taken along with an internal investigation as to how the new cards could be sent to one place but the billing address was correct.
A store credit card company advised me that my credit score was lowered. I looked and saw it was due to an adverse report by Barclays. I called to talk to a supervisor and was refused to be connected to one. Thus this complaint as I have received only a negative response to my letter.
|
| 01/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
On XXXX XX/XX/2023 I used a balance transfer offer from my bank, XXXX, to initiate XXXX balance transfers ( for {$5000.00} and {$8500.00} ) to a pair of Barclays XXXX cards I use. I sought to have the transfer completed before the Barclays statement period ended on XXXX XXXX -- this would have XXXX out both Barclays cards ' balances while avoiding additional finance charges on those cards. The transfer immediately posted to my XXXX account, and I continued checking my Barclays accounts to see when the transfer would post.
On XXXX XX/XX/2023, I saw the transfer had not posted to Barclays, so I called XXXX to inquire about the status of the transfer. After speaking with a customer service representative, I spoke with a supervisor who informed me that XXXX sent the payments out by paper check on XXXX XX/XX/2023 from Maryland to the Barclays payment address, which is a post office box in XXXX, Pa. They also told me the transfer would likely take XXXX business days. ( In comparison, I made another balance transfer that day for {$9900.00} from my XXXX XXXX XXXX XXXX account to a different XXXX card ; it was handled electronically and the balances for each card adjusted accordingly overnight. ) On XXXX XX/XX/2023, I again noticed no balance transfer had posted on my Barclays account, so I called Barclays to inquire about the whereabouts of the balance transfer. They said they would start an investigation but they terminated the call before I could get all the information to them.
I am filing this complaint because : XXXX ) I initiated these XXXX transfers XXXX the XXXX purpose of minimizing finance charges, but the delay in Barclays ' XXXX these transfers means I will incur additional finance charges.
XXXX ) I want banks to make these transfers electronic, instead of issuing paper checks through the mail. As noted above, I initiated a separate XXXX XXXX XXXXXXXX that completed electronically without delay. Banks need to use routing numbers to make these transfers electronically and get out of the business of issuing paper checks.
XXXX ) I am extremely unhappy that this transfer has not been completed, XXXX calendar days after it was initiated. As recounted in my conversation with XXXX, the checks were mailed from Maryland to XXXX, and I verified the Barclays addresses and account numbers with XXXX twice. It does not take this long for a letter to go from Maryland to XXXX, and Barclays should not have this long to post a transfer initiated nearly XXXX weeks ago.
|
| 10/13/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
XXXX XXXX I bought a XXXX smart phone at a XXXX store. I told the clerk I needed to connect to internet on multiple devices, including streaming XXXX. She sold me an unlimited data plan to meet my needs. When I got to my son 's home I looked at the papers the XXXX clerk gave me and noticed there was no invoice detailing the service -- such as how much data, when I would be billed, for how much etc. There was only a receipt for the phone itself. I immediately called the store to complain about this and was told the store would be closing in 30 minutes -- not enough time for me to go back there to get an invoice. The next day -- Monday -- my grandkids visited me so I could not go to the XXXX store for the invoice for services they neglected to provide. On Monday I attempted to use the phone 's data to connect to the internet on one device and also connect to netflix using firestick on my TV. I was able to connect to either one or the other using the XXXX 's phone hotspot but I was n't able to connect to two devices at the same time. I owned a {$25.00} smartphone that comes with a limited amount of data per month. With this really cheap phone, I am able to connect to both a laptop and watch XXXX on another device AT THE SAME TIME. So I know what 's possible and I dispute the XXXX clerk 's description of the XXXX XXXX as a " high end '' phone if it ca n't do what my cheap phone CAN DO!
On XXXX morning, less than XXXX hours after I bought the XXXX phone, I returned it to the XXXX store where I bought it, citing the reasons given above. The clerk said he would refund {$1.00} to my XXXX card mastercard but would charge me a {$50.00} restocking fee. I asked why and he said because it was a high end phone. I consider iphones to be high end phones. I pointed out that the XXXX phone did not perform as was promised and was not able to do what my super cheap smartphone can do. I told the clerk I would dispute the {$50.00} restocking fee with the credit card company. I did dispute the {$50.00} restocking fee. XXXX issued me a credit on my next statement, but now the full amount of {$51.00} AGAIN appears on my XXXX card statement. Furthermore, the sales clerk I returned the phone to lied right to my face. He told me XXXX would " waive '' the {$5.00} data charges I incurred for the incredibly short time I had this phone, but XXXX actually did charge my XXXX card {$5.00} for the data. I did n't dispute the {$5.00} data charges because I actually used a small amount of data.
|
| 10/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
The following financial institution listed below is illegally disclosing, thru their affiliates, non affiliates, third part affiliates and non-third party affiliates, my personal information.
Under Congress law 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.
In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer that : Part a : as a consumer, any financial institution wishes to disclose my information, I have to be notified, either via phone, electronically or by mail. AND IT MUST ALSO COINCIDE WITH Part B ; before a financial institution discloses my information, I have to say yes or no. And finally, it must also coincide with part c : if I say no, I am to be given all options in securing my rights to ensure that they dont report my information before such actions are taken by the financial institution.
And lastly, under Congress law 15 U.S. Code 1681a, part ( 2 ) Exclusions. the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions ( late fees or charge offs ) or experiences between the consumer and the financial institution, unless authorized based on Congress law 15 U.S. Code 6802, parts A, B, & C. I did not authorized or agreed for these financial institution, or otherwise to disclose any of my transaction history with any third party of any kind, that includes consumer reporting agencies. Most importantly, I was never contacted by this financial institution and given the choices listed above ( 15 U.S. Code 6802, parts A, B, & C. ) My rights as a consumer, Under the Fair Credit Reporting Act ( FCRA ) a consumer report ( CR ) is any written, oral, or other communication of any information bearing on a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for : ( i ) credit or insurance to be used primarily for personal, family, or household purposes ; ( ii ) employment purposes ; or ( iii ) any other FCRA permissible purpose ( Section 1681b.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 11/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
On XX/XX/XXXX, we ( my wife and I ) went to a Timeshare presentation provided by XXXX in XXXX XXXX by XXXX.
XXXX. When the presentation was finished, we told the sale rep that we were not interested, and were just there for the gift. The sale rep played this game where she said okay, since you are not interested, let 's go ahead and finish the process and they can let us out of there with our gift. She went ahead with her tablet, asking us to put in our social security number and sign. I had a doubt, so I asked : " Are you performing any kind of hard pull ''. She said no, that was just for qualification check. She didn't say what qualification, therefore, based on what she said, we were just assuming she needs it to qualify us for the gift to get us out.
Please note that in this whole process, she never even mentioned XXXX world called " credit card ''. Soon enough, we saw a hard pull on our credit. A few days later, a new credit card was made in our name.
XXXX. Sure enough, we went on XXXX and search for this XXXX and found : Countless of people had the same problem where they applied for a credit card and performed hard credit check by tricking people. Please note that with a brand name behind their back ( XXXX ), it is very easy to trick people by manipulating their decision making. For example, If I go to XXXX Bank today to open a checking account, and If I have never gone to a bank before, XXXX could easily apply a credit card for us by telling us to provide SSN and ask us to " sign here '' in their tablet. Nowadays everything can be done electronically, and the signature page is only at the bottom or the last page. Therefore, they can just present us the signature page ( which is what XXXX did to us, they only shown us the signature page asking us to sign to be done ), and we are tricked because we think XXXX is a big company and they wouldn't do that.
XXXX. Please note that this complaint is about fraudulent activity that XXXX did to manipulate and trick people to sign. This is proven by countless XXXX reviews from different time and clearly, it is not a coincident that many people had the same problem. XXXX knew about this and purposely did this to trick people to apply. We are applying for a loan, and I have more than XXXX credit cards in my name already ( with 0 % utilization ). I clearly know when I want to apply for a credit card and there is absolutely no reason or incentive whatsoever for both of us to apply for XXXX credit card there.
|
| 09/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
Barclays XXXX Rewards Card ~ XX/XX/22 Tried to log into the account to make a payment, wouldn't allow access, it said information 'password/log in was incorrect '. Upon checking further we saw that the phone # to text us at had been changed and a different email was added to the account. We called ( XXXX ) to correct the information ( XXXX separate times ) after all of our information was given, all security questions answered we were told it had to be passed on to another department, we were told the other dept. was not available/busy, and asked to call back in an hour. After the second time calling we decided to put the card on hold to make sure it couldn't be used. XX/XX/22 ~ Following day tried once again to correct the information on the account were told they would NOT remove the hold that we put on it that they were turning the account over to the fraud department. Fraud dept. demanded a copy of front and back of Drivers LicXXXX, Social Security card and utility bill. We refused ( have been told repeatedly NOT TO GIVE THIS INFORMATION OUT TO ANYONE by police, lawyer and News ). They refused to help at all ~ said there was fraudulant activity on the account ( which there wasn't ~ no claims were made, no activity on the card, bills have been paid on time with no problems ) Would not offer any alternative so we asked to close the account, they refused to do that ( finally did get that done with another supervisor ). Both of the cards have been shredded, account has been closed but they still refuse to let us have access to even PAY the bill. We were told that it would have to be paid by check ( which we haven't done for years ), they wouldn't send an email with the statement due in XXXX, wouldn't make our account accessible to pay via internet and couldn't get the computer system to work in order to change to a paper statement. We have had this card for years ~ never encountered anything like this before and quite frankly are shocked that we were treated like we were criminals!! The woman in the fraud department made it very clear that we did things her way ( sending copies of legal documents etc., for no reason ) or we were out of luck. There is no way to check the account to see what 'auto payments ' were set up to the account, no access to the statements, no way to pay the bill accept via mail. Mail is extremely unreliable right now. It is ridiculous when we did NOTHING to cause this!! We've lost our reward points to top it all off. Please advise.
|
| 03/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
SCAM ALERT/ Fraudulent merchant We made a purchase online with a merchant named " XXXX XXXX '' in the end it turns out this merchant is a fraud. I will attach documents to this complaint. My issue is I NEVER RECEIVED THE ITEM I PAID FOR.
I contacted the credit card company to assist. they initially gave me a credit. after 60 days my credit card company re charged me the original amount.
The merchant responded but did not provide proof so my card was recharged.
Now the details ....
On XX/XX/XXXX we made an online purchase at " XXXX '' website which was operational at the time.
We received a confirmation of the order being placed in the amount of {$70.00}, XXXX # XXXX was given.
On XX/XX/XXXX we emailed " XXXX '' to get an update on order. we did not receive a response. We waited until XX/XX/XXXX and sent a 2nd request to the email address. Still no response.
On XX/XX/XXXX I called Barclays Bank Credit card ( My credit card ) alerting them that i have not been successful in resolving my issue. I explained to Barclays the order was not delivered and I was not able to reach the merchant. Barclays provided me with a temporary credit while reviewing the dispute.
On XX/XX/XXXX i called Barclays to ask about the charge on my account for XXXX XXXX for {$70.00} I was told that the merchant provided " Proof '' of my order. Barclays also stated they reached out to me on XX/XX/XXXX. I do not recall any receipt of a call or email on this date. I have reviewed my call log as well as my emails for XX/XX/XXXX. Anyway, I noticed the charge on XX/XX/XXXX. I called Barclays, they stated they attempted to reach out and they stated the charge was being reapplied. I was told i needed to submit a request for an appeal. within a week i received a packet from Barclays with a letter and copies of documents from the merchant. I was told My response had to be returned within 10 days of the date of the letter dated XX/XX/XXXX. I faxed them my response to reopen and reinvestigate on XX/XX/XXXX. The website no longer exists.
Barclays put the burden of proof on me. However, the information provided by merchant to Barclays only shows the order was received and paid for. I DO NOT see any proof of shipping/tracking or delivery of the item paid for. I have attached all supporting documents I have which was also provided to Barclays. At this point, I am out money and do not wish to receive the item even if available. I want my money back please.
Thank you for your time.
|
| 12/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
I applied for a Barclays Credit Card from XXXX to purchase an XXXX last XXXX the total cost was XXXX dollars. I was given a credit limit of XXXX dollars. At that time, I was a member of a XXXX XXXX XXXX XXXX, also a XXXX for the XXXX XXXX of a pro sports team in XXXX XXXX. On XX/XX/XXXX, the XXXX was terminated. My income was severely damaged at that time. I had been divorced for a few months and was trying to restart my life from ground zero. I had an apartment which was XXXX a month and my income went from XXXX a month to XXXX a month. I called Barclays in XXXX and explained the situation. I explained that I needed a month to resort my finances and that I would resume payment in XXXX. Then, Covid-19 took my job as a XXXX for the XXXX XXXX of the sports team ( XXXX XXXX. I again, called Barclays and said, I have been furloughed and was making around XXXX a month. I couldn't renew my lease, so i moved in with a friend and gave them the address. I touched base with them in XXXX and explained that my income was affected by Covid. They explained to me that they have a Covid program and that I was on and not to worry. In XXXX, my account was closed without notice. They said they sent a certified letter. I never received it. However, I couldn't make payments, due to my furlough status. In XXXX, I was rehired back and began making payments. I argued throughout the months that I didn't deserve this treatment because of Covid. It was flat out unjust. In XXXX, my online account was suspended. I called to find out why and they said it was due to the account being closed. I argued because i was unable to make that payment. I explained that I had I tried calling several times about my online account to no answer. As i discussed my situation again, I became angry. My credit score is a disaster because of them. I have two other cards who didn't close my account that knew the situation. Hmmmm, Now, I'm XXXX grand in the hole because i was divorced and let go from one job and was furloughed during Covid 19. The lady at Barclays said it was the credit Bureau policy to close an account after 90 days of inactivity. I called her out and they said there was nothing they could do. I still do not have access to my online account and now, I can't barrow a dime from anyone to pay the account and try to repair my credit. It was completely out of my hands and i explained that several times. They didn't care. I doubt this even goes anywhere, but its worth a shot right.
|
| 07/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
On XX/XX/2023 I redeemed XXXX points for a {$50.00} XXXX Gift card. It was marked shipped on the XXXX. Shortly after I enrolled my account in a payment program, and it was marked closed.
I did not receive my Gift Card although it was marked as complete, so I contacted Barclaycard support on XX/XX/XXXX. At this time I was told that they would investigate the incident and get back to me with a solution.
I did not receive a follow up, so I called again on XX/XX/XXXX. I was told to call Mastercard to figure out a solution, but after calling Mastercard and realizing they could not help me with Rewards issues through Barclaycard, I called again the same day.
I was told that they had refunded my account the XXXX points and that it should be in my account within a few days. I stated that I was in a payment program and my account was closed, and asked if it would be an issue. She said it wouldn't be an issue at all.
I waited a few extra days, and not seeing any points in my account, I called again on XX/XX/XXXX. I was told that indeed the problem was that they attempted to refund the points, but because my account was closed, it was not possible, as I had stated several times that it might be. The woman on the phone then stated she would create a new support ticket and elevate the issue. I stated I did not need the points, simply to get my gift card sent to me. She said they would communicate by mail the solution.
On XX/XX/XXXX I received a letter from Barclaycard simply stating they could not help me with my rewards issue. I called again that day, was transferred to different departments, and stated that this was not okay and I need a resolution, which would be to resend my gift card. I was told because my account was closed and because it wasn't in " good standing '' that there was nothing they could do. My points were redeemed and card was shipped before my account was closed and I am in a payment program which has made all payments, although that should not matter anyway, as this was redeemed and shipped before I even closed my account. She stated she would send an email to the rewards department.
Today, XX/XX/XXXX, I received a letter again stating they would not assist me with my gift card issue.
This is not acceptable. I earned points on my account and redeemed them for a gift card that I did not receive as a result of a failure on Barclaycard or the shipping company. This is a large credit card company and this should be a non issue.
|
| 11/05/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I previously filed a complaint with the CFPB, complaint # XXXX regarding Fraud on my XXXX XXXX Credit Card with Barclays Bank of Delaware. Even though I had indicated on my text alert replies to Barclays that the charges were Fraudulent, on the very day that the fraud occurred, Barclays Bank allowed them to go through. Where is the protection to the consumer by Barclays Bank? What is the point of a fraud text alert if the bank is going to allow the charge to go through anyway?
XXXX from the Office of the President called me in response to my complaint, assured me that the case was still in dispute with Barclay 's .... even though the CFPB closed it due to CFPB rules, and I would not be charged the {$3000.00} that is in dispute.
However, as my credit card was on auto-pay, Barclay 's Of Delaware took the amount out of my bank account to pay it, though it was not authorized to do so. XXXX XXXX had assured me on XX/XX/2018 that the matter was not going to be resolved fully until XX/XX/2018 and no monies would be required until he spoke to me. As indicated above, Barclays used autopay on XX/XX/2018 to pay themselves despite the matter remaining in dispute. I am therefore opening a new case to address these issues.
This was in direct contrast to XXXX XXXX 's assurances to me that the fraud case was not yet resolved because the bank had not resolved the fraud investigation from the merchant in XXXX that had committed the fraud.
We were told that these conversations have been recorded on Barclays recorded line. For the past two weeks, I have left repeated messages and received no calls back until finally, today, XXXX XXXX answered my phone call.
He now says that he can not explain what charges were made that add up to the {$3000.00}, other than the fraud charges that were made on the account! I closed the account in XXXX, and the autopay was taken out in XXXX.
I feel that Barclays is stalling for time, and promises upon promises of escalating the matter have amounted to no communication. Do they expect the consumer to get tired of a lack of response and resolution of a matter, and just hand over this kind of money that can't even be explained by them?
XXXX XXXX told me the money is still in dispute even on today 's phone call, but can not explain to me, or show me any accounting form to explain that I owe this money. There is a serious problem here, and nothing is adding up. I have nowhere else to turn to get a full explanation. Please help!
|
| 08/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
For most of my bills I pay them using XXXX XXXX Online Bill Pay. On the XXXX of XXXX I logged into my XXXX XXXX account and submitted a Bill Pay request for the amount of {$1000.00} payable to Business Card Services for Bank of Hawaii. According to XXXX XXXX 's Bill Pay page my payment submitted that day ( XX/XX/XXXX ) would reach Bank of Hawaii on the appropriate due date of XX/XX/XXXX. This past week I received my new statement from Bank of Hawaii showing a {$16.00} late fee for that last payment. I logged into my XXXX XXXX account and the " history '' page shows that the check to Bank of Hawaii was cashed on XX/XX/XXXX, but when I called Bank of Hawaii to inform them of this they told me they didn't receive it until the XX/XX/XXXX. Clearly, one bank or the other is at fault here, but I'm the one being assessed the late fee penalty. Bank of Hawaii offered to " waive '' the late fee, but I told them this wasn't the correct terminology because it still implies I was at fault. Furthermore, most credit card companies will not allow you to ask for a waiver more than once in a 12 month period, and since this wasn't my fault I didn't want that to be my " one time '' waiver. I pay ALL of my credit cards IN FULL every month, but occasionally I might get distracted a miss payment by 1 day, at which time I'll call the to explain and ask for a waiver. I don't want my 1-time waiver being WASTED on a issue that I didn't create.
If I can add a secondary complaint to this thread : I also discovered that my new bill has a due date that is 3 days sooner than ALL of the previous billing cycles. Since opening this card my due date has always been the XXXX of the month. I keep a calendar with all my due dates on it so I can be reminded when to pay. I did NOT receive any official notice in writing from Bank of Hawaii that my due date would be changing, so this new statement was the first I became aware of it. When I asked the supervisor on the phone from B of H she said that because its a business card the due date has to fall on a business day -- to which I responded " bunk! '' I have tons of credit cards and the due date NEVER changes without a formal letter in the mail at least a month in advance notifying me a change is forthcoming. Is this recent date change by Bank of Hawaii a FAIR practice or just an attempt to set someone up for failure by slipping in a different date and subsequently creating a late-fee garnering opportunity for the bank? Please advise.
|
| 05/26/2016 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
I had a XXXX XXXX XXXX Card with a {$0.00} balance. XXXX apparently decided to switch their business to XXXX. I did not want a XXXX nor did I receive one. Several months later in XXXX 2016, I received a bill from XXXX XXXX for XXXX. I called and was told that I should have known about this and that I owed this money. When I asked what it was for they indicated that it was for the annual fee +late charges+interest. I asked how they could charge me an annual fee on a card that I had neither signed for nor asked for. - They indicated that they did not charge it, XXXX XXXX did ( I recd no bill from them ) and then XXXX XXXX transferred the charge to their XXXX. They indicated they could reverse the the late fees etc. and make sure they did not get on my credit report if I agreed for them to send me a new card ( which meant paying the {$40.00} ) I felt compelled to do this to keep my credit rating. Before I activated the new card, I checked my credit report and found they had reported me to the credit agency. Not only that but they had once again charged me late fees and interest even though I did not have a new account number to send the {$40.00} to. Once again I called them and asked to speak to a supervisor -after telling me that they could not do that without me giving my social security number, I told them I was calling the FTC and a supervisor was instantly found. I told the supervisor my story and told her that I did not want the card because they had lied to me about sending the information to the credit agency and charged me fees and interest once again even though I had no new credit card number to apply a payment to. She indicated that I could have cancelled the card last month when I spoke to the other person because it was within their time frame but now it was too late and I must pay the {$40.00}.
I have now paid the $ XXXX however, I feel I should not have to pay a fee for a credit card I could not and did not use for all these months - In addition, I feel my credit report should be wiped clean of this mess. I feel that it is fraudulent to charge a fee on one account after you have indicated you will not be doing business and then trade the charge to another account without the express ( written ) consent of the consumer. If this is legal please tell me in what section of the Federal Rules it resides and I will be looking to get the law changed in favor of the consumer.
I want my fee refunded and my credit report cleansed. Thank you
|
| 08/08/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I began contacting this BarclayCard in XX/XX/2018. On XX/XX/2018, a letter was sent via certified mail to BarclayCard asking them to verify the debt they said was owed. I specifically requested a copy of the specified application with the " wet ink '' signature. The letter stated that if this request could not be honored, then the alleged debt/account must be deleted/removed. Attached to this letter was a copy of my social security number and driver 's license as means of identification. I then began receiving 3-5 harassing phone calls per day. I respectfully asked for written correspondence on this matter because over the phone, the company refused to assist.
On XX/XX/2018, I received written correspondence from BarclayCard stating that the company could not complete my request. The harassing phone calls continued, again around 3-5 calls per day. I again requested written correspondence. The calls again continued. In XX/XX/2018, I received written correspondence from BarclayCard stating they had enclosed a statement. This is not what was requested for validity of this debt/account claim. In response, On XX/XX/2018, I sent a final notice to Barclay Card again requesting a copy of the original credit application or contract with a " wet in '' signature to validate this alleged debt. This request was only met by continuous harassing phone calls.
On XX/XX/2018, BarclayCard sent written correspondence stating that they needed " proof of identity '' to process this request ( after already saying they couldn't complete the original request ). Again, the social security card and driver 's license were sent in with the letter dated for XX/XX/2018.
On XX/XX/2018, BarclayCard called a family member 's home asking for me. The person told them I was not available. The representative on the phone then released ALL information pertaining to this account without verifying who they were speaking too. BarclayCard disclosed all personal information that was attached to this account including, but not limited to, a name, amount " owed, '' payment history, etc. The person that BarclayCard was speaking to was not asked to verify any information on the account. The person that Barclay was speaking to told the BarclayCard representative that they were not the person they were calling for nor did they have any business with the person that BarclayCard was calling for. Yet the representative continued to disclose all information to the stranger on the other end.
|
| 10/17/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
In 2015, XXXX XXXX announced that it was switching its credit card partnership from XXXX XXXX to XXXX. Before the switch took place, I decided I did not want to have a new credit card and asked XXXX XXXX not to share my data with the new company, Barclays Bank. Nevertheless, I received a XXXX in the mail. My details, including my Social Security Number, was given to Barclays without my authorization. Evidently this is legal. It should not be. In any case, I did not activate the card. This month, Barclays and XXXX XXXX fraudulently billed me {$40.00} for the annual fee for a card I never activated. I have spoken to Barclays, and the supervisor says she " waived '' the fee and closed the account. Had I not caught this billing for a non-existent card, my credit score may have dropped. The Barclays ' supervisor informed me that the bank is over 300 years old and is highly reputable, however, she said, XXXX and XXXX had not indicated to the bank that I did not want to have a new card, so Barclays could not be blamed. I had called Barclays numerous times to complain about the bills they were sending me. No doubt XXXX XXXX and XXXX XXXX acted in bad faith by sharing my details without my authorization. However, the {$40.00} service fee can not be attributed to any other institution than Barclays. In 2015, XXXX XXXX announced that it was switching its credit card partnership from XXXX XXXX to XXXX. Before the switch took place, I decided I did not want to have a new credit card and asked XXXX XXXX not to share my data with the new company, Barclays Bank. Nevertheless, I received a XXXX in the mail. My details, including my Social Security Number, was given to Barclays without my authorization. Evidently this is legal. It should not be. In any case, I did not activate the card. This month, Barclays and XXXX XXXX fraudulently billed me {$40.00} for the annual fee for a card I never activated. I have spoken to Barclays, and the supervisor says she " waived '' the fee and closed the account. It is not clear to me whether my credit score will suffer. Had I not caught this billing for a non-existent card, my credit score may have dropped. The Barclays ' supervisor told me that the bank is over 300 years old and is highly reputable, however XXXX XXXX and XXXX had not indicated to the bank that I did not want to have a new card, so they were merely following up. However, the {$40.00} service fee can not be attributed to any institution other than Barclays.
|
| 02/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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1.I have never had an account with this company BARCLAYS BANK DELAWARE XXXX REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are BARCLAYS BANK DELAWARE the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 168XXXX.
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| 02/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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In XX/XX/XXXX, I made the purchase of some XXXX to the company XXXX XXXX, this company since day number 1 that made the delivery of the equipment was delivered without the software that would be the main tool of work, after calling and performing in controlled by them cybernetically were those who nailed the software to the computer, without providing any type of CD, Password, or Key product. After a week the product began to fail such as computers, we got in touch with them and several opportunities were told that I wanted to return everything and that I would be reimbursed for my money since the service was bad, deficient and not I had no more than 72 hours and I already had problems with computers, after so much insisting on calls and emails I had to call to my credit card, where I was still in my legal time frame to make any claim, which accepted me to begin a case.
The bank of this card was XXXX XXXX Mastercard.Then they started the temporary credits, which were removed from my account again, Then they started asking us for proofs of what happened and I were provided with all the emails that I had with this company and photos, then every time I called they told me that I had to keep waiting, I received a letter from XXXX XXXX Mastercard where I was left to know that XXXX XXXX also responded to the case but they agree to return the money if the computers are returned, after receiving this letter several times I try to communicate with XXXX XXXX to know why they had not sent us the shipping level to return it or at least provide us with an address to know where we would send it, at the same time I communicated to XXXX XXXX Mastercard and asked them what had happened with the software because that I never received the product, not even in key product license by email at least and they told me that they were still disputing that ; I let them know that the XXXX XXXX company did not answer me and they told me that if I wanted to continue with the case I had to send a letter by fax and send it to the address that appeared in the contract and send it to them and that way they could already make the hardware credit,2 times I was let know that I had to write letters to continue with the process, which I did, on XX/XX/XXXX I received a call from the case manager letting me know that they could not continue with the case since Mastercard did not allow them because The deadline had expired and there was not enough evidence to return the money.
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| 04/09/2017 |
Yes |
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Web |
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The complain is for an non-authorized credit card payment on XXXX of {$1700.00}.
At the end of XX/XX/XXXX I called XXXX to see how much money I needed to pay, in order to pay off an old purchase I had with them under special financing ( 1 year without interest ). On my conversation with their agent I was told I had to pay {$550.00} in order to avoid paying interest for my purchase. The agent himself suggested to make this payment online ( web system ) as it is usually faster ; then he asked me based on their standard procedure if I wanted to make that payment of {$550.00} over the phone that I clearly rejected.
I proceeded to an online payment of {$550.00} ; few days later I noticed that XXXX not only charged me the {$550.00} as expected, but on top of that they had another transaction of {$1700.00} ( not authorized ). The irrational of the story is that I paid in total more than my overall balance, leaving with me with an extra {$500.00} credit!
I called them and reported the non-authorized transaction ; they were able to see that I did the {$550.00} online and said that the {$1700.00} were authorized over the phone. They also saw the irrationality on the payments ( paying more than I owe ), but they said they need 5-10 business days to return my funds.
Then I called my bank ( XXXX ) trying to straight this out, as I did n't had these money and i was left with a negative balance ; my bank said that they payment will be rejected as I did n't have enough money on the account ; this happend and I was able to see the transaction cancelled. Few days later though XXXX charged me again the {$1700.00} which are now taken off my bank account. In continue to my conversations with XXXX, they said they will need again 5-10 business days to resolve this and there was nothing they could do to speed up the process, even if they realize that I did not authorized the payment! When I asked them to listen to my conversation over the phone that is supposed to have the authorization, they claimed that I need a court order for that.
The outcome of the whole story is that they can charge people uncontrolled, and even if they admit to be wrong, they will still refund in irrational time-frames ( half a month ). I think this is unethical and suspicious ; I strongly believe that it is illegal to take someone 's money without an authorization and on top of that use those money up to 15 days without offering at least a compensation for their own mistakes.
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| 12/19/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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In XXXX of 2016 my XXXX XXXX account was in good standing, and there was an available credit. I was making my payments on time each month. Although I was making my payments on time each month, the payments were becoming a bit too much. I was going through a divorce and my husband left me with nothing. I called in to speak with someone as to what options I would have. I was told that I could enter into a hardship program. I was told to make a payment of {$79.00} a month for one year, and that I would not be charged any interest as long as I did this. I did exactly what I was told and made the 2st payment by the day that I was told to make the payment. After that first payment I received an email that I not only missed payment but that I had a late fee because I did not pay the minimum amount due, even though I was told to only pay {$79.00}. There was a mistake on the behalf of the credit card company. I was told not to worry about it, and to continue making the payments, and that whatever interest charges & late fees I received would be knocked off the account. Each month went by and those fees were not removed. Every time I would call and ask about it, I was told not to worry about it, and at the end of the years time, it will reflect all my payments. Well at the end of the years time, I started back receiving regular charges they were way too much for me to afford in the original charges and fees that I received after making the first {$79.00} payment was never removed. Also, the payments I had made over the year were not showing. My available credit at the end of the program was less than what it was before I started the program. When I called back after a year to ask why it was still on there and to get the situation rectified the service rep as well as the so-called manager that I was put in contact with was completely disrespectful. They laughed at me, they basically told me that there was nothing I can do when I asked what was going to be done. The guy literally told me he was not going to do anything, and that I needed to make the payments. Well now the payments are too high for me to make and it is making my credit score go down. When my husband left me I was really struggling and my credit score was down below 400. I have worked really hard over the last year to pull my credit score up to about 635. It has now knocked down numerous points each month because of this one credit card. I feel helpless and I do n't know what to do.
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| 05/13/2019 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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I opened a XXXX XXXX XXXX account and on XX/XX/2019 attempted to transfer {$11000.00} into the account from an external Barclays Dream Account. On XX/XX/2019 Barclays notified me that an item had been returned. I subsequently called XXXX Customer service and was told that the transfer was marked as potentially fraudulent and that XXXX had attempted to contact me but could not get ahold of me to validate the transaction and therefore rejected it. I am unavailable during business hours while at work and had no voicemail or email from XXXX asking me to call to validate the transaction. It is unclear why this call to customer service could not have resolved the fraud concern.
Because I had received an email from Barclays indicating the item had been returned, on XX/XX/2019, I attempted a second transfer of {$3000.00}, thinking a smaller amount would not raise fraud concerns. I did not know at this time the funds from the prior transfer attempt had NOT been returned to my Barclays account, and therefore the transfer was rejected due to insufficient funds. On XX/XX/2019 I received an email from Barclays indicating that an item had been returned and an email from XXXX indicating the transfer could not be completed. XXXX automatically tried this transfer again, with the same insufficient funds errors, and as a result of the two failed attempts, suspended my ability to transfer money into the account.
I called Barclays customer service on XX/XX/2019 and was told to expect a call after they could research whether the funds were in a Barclays suspense account considering that the " dream '' savings account has a monthly deposit limit of $ XXXX/month, therefore the system may be rejecting the return of the funds. I received a call indicating that the funds were NOT with Barclays and that I should call XXXX to request they investigate the same.
I called XXXX Customer service again on XX/XX/XXXX and was on the phone for 1 hour and 6 minutes with no resolution. I spoke with 2 different customer service representatives, the last who told me that the funds were in XXXX 's system and possibly hadn't yet connected with Barclays ' system but could not tell me a date this would be resolved.
I called XXXX customer service on XX/XX/XXXX and was told the funds were not with XXXX and to call Barclays. XXXX offered to wait on the line with me while I called Barclays customer service, but eventually told me they could not continue to wait and hung up.
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| 02/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account information incorrect
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Web |
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To Whom It May Concern : This letter is after exhausting all avenues on a current/past situation with Barclay card Frontier credit card. XXXX of XXXX I traveled to Florida for vacation. In order check in my return flight I had to pay with a credit card. I used my XXXX card and paid {$120.00} dollars. When I received my Frontier Barclay Card statement in XX/XX/XXXX, that is when I saw that they auto charged my account for the same amount of {$120.00}. I called Barclay to dispute the charges, sent the statement for my credit card that I used to pay for check in. Called to follow up with Barclay and they said they never received the fax. So I sent it again, this continued for months- with sending the fax statements and being told that they never received the proof. Barclay also advised me to go dispute charges with the other credit card company and I refused that, because I personally paid with that card ( I was not going to dispute something that I paid for ). This continued, within that time I also paid off the balance with Barclay of over {$2000.00} minus the {$120.00} just to close the account and continue to dispute the charges. In XX/XX/XXXX, while this was still going on, I faxed again the statements and Barclay sent a letter to tell me that they received the statements but unfortunately it was past the dispute range and expired. As you can see that I was beyond frustrated- why would I pay a huge lump sum and leave {$120.00} on the account if I owed that. I still call about every 6 months, because now, they put me in collections for {$400.00} and yet I can't even settle that because it has been charged off and they have no way to apply a payment. This has gone way too far on the credit cards part and I feel that proof and faxes were intentionally disappearing or they were giving me the wrong fax number- to where the statements and proof just got dismissed, until they saw that the faxes and the dates of my dispute went out of the range. I would like for this case to be settled and off of my credit report, as it has not only been an emotional mess - when you would be able to see that I have an excellent history of paying bills and not debt with credit cards whatsoever. This whole situation has sabotaged me with lenders and prevented me being able to buy a house with the best credit score I can have if this was not on the report. Please consider reviewing and settling this account in any way to release what is not even my liability.
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| 03/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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1.I have never had an account with this company BARCLAYS BANK DELAWARE , REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are BARCLAYS BANK DELAWARE the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
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| 07/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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I had not received a bill when expected for my XXXX Visa Card issued by Barclays Bank Delaware ( Barclays ) of XXXX. XXXX XXXX, XXXX, Delaware, XXXX, so I promptly sent them a written correspondence on XXXX XX/XX/XXXX. A normal response should have been the issuing of a billing statement. Instead, they sent me a XXXX XX/XX/XXXX letter with the blatant fabrication " We called you several times to discuss your concern, but were unable to reach you. '' In reality, I never received a single phone call as it would have been registered under " Recents '' upon my XXXX XXXX XXXX. Finally, quite belatedly, they sent me a XX/XX/XXXX to XX/XX/XXXX Statement with the unrealistic Payment Due Date of XX/XX/XXXX that had to be received at their payment processing center 1,842-miles away ( a 27-hour drive ) located at XXXX. XXXX XXXX, XXXX XXXX XXXX, California, XXXX, that was not in my physical custody until XX/XX/XXXX for the remittance of {$33.00}. I immediately issued personal check # XXXX for {$35.00} and mailed it the next day before the XXXX pickup time. On XXXX XX/XX/XXXX, XXXX emailed me that " We received your XXXX Visa Card account payment and applied it to your credit card XX/XX/XXXX. '' XXXX XXXX XXXX ( Barclay Bank Delaware ) Then sent me a XX/XX/XXXX letter stating " The balance on your XXXX Visa Card amount is {$140.00} as of XX/XX/XXXX. Your next payment is due on XX/XX/XXXX, with a minimum payment due of {$27.00} '' that I was not in receipt of until XX/XX/XXXX. Conseqeuntly, I deducted the {$35.00} I've already disbursed and subsequently mailed them check # XXXX for {$100.00} to XXXX XXXX XXXX, California, on XX/XX/XXXX. Today ( XX/XX/XXXX ), I received my second XXXX Visa Card Statement for the XX/XX/XXXX to XX/XX/XXXX period with a new balance of {$170.00} ( of which only {$29.00} do I owe ) with an iniquitous {$27.00} Past Due charge even though it is clearly there direct fault my payment was " late. '' Please enforce the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX, Regulation Z, as Barclay Bank clearly has transgressed 226.5 ( b ) ( 2 ) ( ii ) known as the " 21-Day Rule for Delivery of Periodic Statements '' ( XXXX XXXX XXXX ). They have a flagrant disregard in assuring XXXX Americans have equal access to their services. I don't appreciate being segregated by this ableism company who has gross incompetency in ensuring timely issuance of credit card billing statements. Thank you for your help.
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| 03/09/2016 |
Yes |
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- Customer service / Customer relations
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Web |
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I have a XXXX XXXX Aviator MasterCard issued through Barclays Bank. On XXXX XXXX I made a cash transaction for XXXX at a local branch of the bank I do my personal banking with.
While conducting the transaction I discovered that I did not have the available cash that I believed I would have. Later that afternoon I was informed of XXXX convenience checks that were cashed and charged to my account. After, informing Barclays that the checks were fraudulent, they immediately cancelled my card, issued a new card and account number, as well as credited the fraudulent check funds back to my account.
This is where the problems begin. That same XXXX transaction, plus fees, has posted to my account almost dailey, to the point where the overcharge has reached XXXX.
I have contacted Barclays at the very least 20 separate times looking for resolution.
They say " every time they try to enter a correction into the system, it reverses itself and instead shows as a charge to the card ''. They say they are aware of the problem, they are working on it, but until they work out a solution, my only recourse is to wait. Also, they inform me that I am not the only one affected by this issue.
However, they continue to send me over limit emails and my payment due is based on a figure that is XXXX above what I believe my balance to be.
On Sunday morning XXXX XXXX I called to ask about the payment and the incorrect figure they told me there is nothing that can be done and for me to just make the payment. I also, asked if they could tell me what my true balance was and was told that they could not. This problem has been going on for six weeks to this point with no end in sight. If Barclays knows what the problem is as they say they do. Then why wo n't they correct it. I find it difficult to believe that they are even working at resolving this problem.
At this point I 'm extremely concerned about this issue being reported to the credit agencies as a bad debt, affecting my credit rating, as well as not knowing what my actual true account balance will end up being.
I am left to wonder what and when this will be resolved. I get no information from the bank at all. I have to contact them for any updates, at which I 'm told just to continue waiting.
I would formally like to file a complaint against Barclays to resolve this problem before my I 'm stuck trying to restore my credit and am having to fight to have charges that I 'm not responsible for removed.
|
| 10/03/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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This is a follow up connected to an original complaint - XXXX I have been in contact with Barclays over 15 times by phone, sent two letters via certified letter, and sent a fax regarding this issue. I was told that my complaint was resolved, then they reposted the charges on my account totally over {$5000.00} in fraudulent and interest charges.
Barclays is a new provider for Old Navy, a credit card I have had for years. They sent out new credit cards which would be available to be used starting on XX/XX/XXXX. I received the cards but never used them and never activiated them. The fraudulent charges occured between on XXXX XXXX, XXXX. I was notified by Old Navy of suspicious charges and immediate reported them as fraud. They said my husband 's card was used for all these purchases, but he has NEVER used an Old Navy card. Below are the dates, charges, and locations.
XX/XX/XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX XXXX Old Navy {$400.00} XX/XX/XXXX XXXX Old Navy {$590.00} XX/XX/XXXX XXXX Old Navy {$490.00} XX/XX/XXXX XXXX Old Navy {$300.00} XX/XX/XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX Old Navy {$400.00} XX/XX/XXXX XXXX XXXX XXXX {$60.00} XX/XX/XXXX XXXX Old Navy {$510.00} Total = {$3400.00} XXXX, OR XXXX XXXX : XX/XX/XXXX XXXX XXXX {$400.00} XX/XX/XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX {$500.00} Total = {$1100.00} Total Fraud in Both Cities = {$4500.00} Barclays has not sent me any information on their investigations, has been entirely unhelpful and asks me to do the investigation when it is THEIR job. In the past when this type of fraud has occured, the credit card company asked for details and for all the people in our home to send copies of our IDs to help investigate. Barclays simply says a chipped card was used and I am on the hook for it. There has been a lot of mail theft in our area- I had my debit card stolen at the end of last year.
I have filed a police report in XXXX, OR ( Case # XXXX ) and am in the process of filing a report in the city if XXXX, OR.
I don't know what else I can do to get Barclays to remove these charges, which were not made by me or anyone in my family or house, on a card that was never activated by me. This is poor business practice and the fact that I have to spend so much time nd effort to clear this up is ridiculous.
If Barclays doesn't remove these FRAUDULENT charges, I will be taking further measures includuing contacting a lawyer and filing a report for arbitration.
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| 01/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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I am requesting your help with what started as a small problem, but has ballooned into a bigger issue because of the continued incompetence of Barclays and its employees.
Years ago I had a Barclays credit card. I had asked for the account to be closed approximately 3 years ago, have not received statements since XX/XX/XXXX, and I no longer have the actual card.
On XX/XX/XXXX at XXXX XX/XX/XXXX I received an email statement with a {$28.00} balance. This email referenced an account ending in XXXX. I do not have a card, so this is the only reference number I have. I knew this was a mistake, so I called and requested it be rectified. Not only did your company allow a charge to be made on a closed account, the charge appears to be from XXXX XXXX, which is a campground we have not been to in years ( I estimate 5 years ). I told the customer service representative that the charge must be fraudulent. I was given a case # ( XXXX ) told it would be taken care of and I would hear back in 7-10 days. I did not hear back.
On XX/XX/XXXX, I received an email statement with a {$48.00} balance. I called and was told you added a late charge. I was told the late charge would be removed, the initial charge was being researched and I would hear back in 7-10 days. No call back.
On XX/XX/XXXX, I received an email statement with a {$64.00} balance. I called and spoke with many people. The last person I spoke with said she was a manager. She said it had been taken care of, and when I voiced concern about my perfect credit being damaged, she said she would send a XXXX balance letter.
The letter arrived showing a balance of {$64.00}. That same day I checked my credit, and my credit score dropped XXXX points. I have NEVER HAD A LATE PAYMENT.
This is completely unacceptable. I have reached out to XXXX XXXX by email and they confirmed they have not recently charged my card, since we have not stayed there in years. I have included that email for your reference.
The {$28.00} would have been no issue to pay. The issue is that this charge is not justified, the account has been closed since XXXX, and this should have been taken care of with my initial call in XXXX.
This has not only been marked with incompetence, but the hours I have spent on the phone repeatedly telling this story and not getting a resolution have been unacceptable. I have been treated with disrespect and patronized by Barclays employees ( especially in the fraud department ).
|
| 07/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
Older American, Servicemember |
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The Credit Card Statement ending on XXXX XX/XX/2021 is not totally correct. I sent 2 e-mails to the credit card company on or about XXXX XX/XX/2021. I received a generic response back for both e-mails. I then called the Office of the President of the company and waited 24 hours without a response before I filed this complaint. I also attempted to discuss this issue with the phone Customer Service Representatives on XXXX XX/XX/2021. One was no help and the second, who I think was from a call center in XXXX was attempting to help, but we were disconnected and I didnt receive a call back.
A person cant pay off an Easy Pay Transaction early without undertaking draconian measures.
Please answer these 3 questions separately. All are from the XXXX XX/XX/2021 statement. I paid the XXXX XX/XX/2021 statement balance in full on XXXX XX/XX/2021 which was the due date.
1. There is a Interest Charge of {$42.00}. This is located on pages 1, 3 and 5. Since the previous statement was paid in full, there should not be any interest charges. Please explain this charge.
2. The minimum payment due is incorrect. It should be between {$29.00} and {$39.00}, not {$450.00}. Which invalidates the complete Payment Information Block to include how long it will take to pay off the statement balance. The minimum payment due is between 11 and 12 % of the Statement Balance. Is it this high as retaliation for a previous CFPB complaint?
3. The statement balance on page 1 of {$3900.00} are the new charges since the previous statement. On page 5, Easy Pay Summary, the summary still identifies 3 transactions as having a remaining balance. Those balances should be XXXX. Instead the statement identifies a balance of {$2400.00}, which is not reflected in the XXXX XX/XX/2021 Statement Balance. Please explain why there is an outstanding balance since I paid the XX/XX/2021 statement in full.
My last charge for this credit card is XXXX XX/XX/2021. The only two options I have determined for this credit card to get out from under Easy Pay is to either not use ( new charges which Im selecting now ) or cancel the card. There is no way to pay off the Easy Pay charges early. Barclay Card is right up there with pay day loan companies.
I am also going to file a complaint with my Federal Senator to have the CFPB look into the procedures of this company.
Included to XXXX XXXX will be a complaint concerning this issue to make them aware of their advertising choices.
|
| 09/12/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Several months ago, I opened a dispute with Barclays for goods not received. I was issued a provisional credit. Without any explanation, I was rebilled for both items six weeks later. I called their disputes team, and they told me the reason for the rebilling was because the dispute was misentered into their system ( they entered that I returned the goods outside the merchant 's return period ), and that an explanation for the rebilling was in the mail. It wasn't. I disputed in writing again for goods not received, this time with proof. Almost a month later, their Disputes Team sent me a letter saying there would be no credit because we were now outside the timeframe that allowed for a dispute.
This is 100 % Barclay 's fault, but the entire disputes team is so disorganized that I can't seem to get anywhere. Below is a detailed timeline of my communications with Barclays.
- On Tuesday, XX/XX/2019, I sent Barclay Disputes two separate disputes via fax. The letters stated clearly " This charge was in exchange for goods that were never received. " I received two letters, both dated Friday, XX/XX/2019 confirming that the disputes had been resolved and a provisional credit applied to my account.
-On Friday, XX/XX/2019, I noticed that both charges had been rebilled. I awaited an explanation in the mail, but one never arrived.Shortly after, I called Barclay 's Disputes to inquire about the rebilling. The customer service representative told me the reason for the rebilling was because the dispute was misentered into their system ( they entered that I returned the goods outside the merchant 's return period ), and that an explanation for the rebilling was in the mail. He left a note on my case explaining that the goods were never received. He promised that the written documentation would arrive in the mail shortly. It never came. He also explained I would have to reopen the dispute in writing, despite the fact that the rebilling was due to Barclay 's mistake.
- On Tuesday, XX/XX/2019, I mailed a two letters to Barclay 's reopening the dispute and explaining that the rebilling was due to the reason for the dispute being misentered into the system.I did not receive a response until XX/XX/XXXX, at which point Barclays told me that they were now outside the timeframe allowed by Visa and would not seek reimbursement, despite the fact that the missed deadline was due to Barclay 's not properly filing my dispute to begin with.
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| 03/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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1.I have never had an account with this company WYNDHAM XXXX XXXX REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WYNDHAM XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
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| 06/19/2015 |
Yes |
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Web |
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There are a few transactions at issue, all of which I brought to the attention of Barclay 's XXXX month ago, on XXXX/XXXX/15, and about which I have repeatedly written them, without receiving a single substantive response or explanation for why these charges are on my card.
First, on XXXX/XXXX/15, XXXX transactions appear on my account. XXXX of them, for ( - {$30.00} ) from XXXX, is correct. That was a merchant refund ( minus shipping costs ) for a {$35.00} purchase I made at XXXX on XXXX/XXXX/15. However, the XXXX transaction listed on my account on XXXX/XXXX/15, a POSITIVE charge of {$30.00} to XXXX, is incorrect. I never made any purchase for {$30.00} on XXXX/XXXX/15.
Second, on XXXX/XXXX/15, XXXX transactions appear on my account. Again, XXXX of them, for ( - {$42.00} ) from XXXX, is correct. That was a merchant refund for a purchase made on XXXX/XXXX/15, for {$42.00}. However, there are XXXX further POSITIVE charges to XXXX listed on XXXX/XXXX/15 for {$42.00}. This is incorrect. I did not make XXXX purchases of {$42.00} on XXXX/XXXX/15.
As I stated above, I have tried repeatedly to have this issue resolved. Barclay 's promised me a resolution within 7-10 business days. They did not keep that promise. They then promised to call me to resolve the issue. They did not keep that promise either. I have contacted XXXX and they confirmed that they issued the refunds for ( - {$30.00} ) and ( $ XXXX ), and that there should not be any additional purchase charges on my account related to these transactions ( except for temporary authorizations ). However, the XXXX charges at issue are not listed as temporary authorizations on my Barclay 's account. Rather, they are listed as completed purchases on my most recent monthly statement, for which Barclay 's has demanded payment by XXXX XXXX, 2015.
To repeat : there are XXXX mistaken purchase transactions on my account, totaling {$110.00} XXXX {$30.00} + {$42.00} + {$42.00} XXXX for which Barclay 's is demanding payment. Barclay 's has failed to provide any substantive response to my dispute of these transactions, except to give me empty promises that they will contact me. I have, to this date, received no oral or written explanation or justification for these charges, despite raising the issue with them multiple times, starting on XXXX/XXXX/15. And finally, the merchant, XXXX, agrees with me that I do not owe the amounts charged.
I thank you in advance for your help.
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| 12/14/2016 |
Yes |
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Web |
Older American |
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On XXXX/XXXX/XXXX, I encountered a rough forced sale in XXXX. I reported to the credit card service and revoked authorization on the same transaction day. I was assured by the card service personnel that he would take care of it.
As soon as I got back to the U.S. and received a package without returning address, I reported to the card service.
On XXXX/XXXX/XXXX, the charge was credited back to my account.
On XXXX/XXXX/XXXX, I asked the car company to help return the shipped package without returning address and valid phone number.
On XXXX/XXXX/XXXX, Barclaycard Bank card service confirmed that the fraud investigation has been completed and I am not responsible for the reported fraudulent activity.
On XXXX/XXXX/XXXX, I received the late arrived letter dated XXXX XXXX, XXXX. That letter briefly stated the card company remained unable to pursue credit on my behalf. No other investigation document was attached. I called to reopen the investigation.
On XXXX/XXXX/XXXX, I was asked to either send in my own investigation documents in 2 hours, or pay {$230.00} on the phone to get extension to send in my investigation. It took the card company 10.5 months to complete an investigation without any document.
On XXXX/XXXX/XXXX, I sent XXXX XXXX XXXX XXXX a request to re-open the investigation with documents of my own investigation. My investigation on the shipped product shows the listing price of the shipped product is US {$830.00} vs. charged amount of US {$11000.00}. The over charge of the immediately reported forced sale is US {$11000.00}, even if it is real product.
And the content of the product ( XXXX ) is what my doctor asked me to avoid.
Since the card company stated my further request might not be answered ( dated XXXX/XXXX/XXXX ), and asked me to pay {$230.00} on the phone to get a chance to submit my own investigation for review when I requested a documented investigation, I decide to ask CFPB for help to get credit back for the reported revoked fraudulent charge with interests/penalties.
I also want to warn other consumers the following : Consumer can cancel a check, a bank can return a check without sufficient fund ; but a credit card company can charge back a revoked fraudulent charge that exceeds available credit limit and was reported 10.5 months ago. And consumer will be required to pay a high fee to get a chance to submit his own investigation on a fraudulent charge reported 11.5 months ago.
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| 12/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX, I sent in a letter to my credit card company- Barclays Bank , to file a dispute against the merchant XXXX XXXX XXXX , for the transactions amounting to {$1000.00} on XX/XX/XXXX and {$530.00} on XX/XX/XXXX. This was for 24 personal training sessions that I had paid for in advance in two installments, which would total to {$1500.00}. Due to Covid-19, the gym shut down in late XXXX and has since permanently closed down. I tried to get in contact with both the local gym as well as the main corporation on multiple occasions for a refund via telephone, online forums and email. This was to no avail since they had no live representatives on the phone and other options to contact them just didnt work out. Due to that, I decided to file the dispute with Barclays Bank.
After mailing my letter in on XX/XX/XXXX and not hearing a response back from Barclays in XXXX, I decided to contact them via telephone. I spoke to two different representatives who had informed me that the case was closed due to having inadequate information since they couldnt get in contact with the gym ( for obvious reasons since the gym was closed ). I never received a letter stating that the case was closed- so I was not very pleased. Both representatives recommended that I send in a fax with more information about the last dates of me attempting to contact the merchant and they said that sending in that letter would reopen my case. I did so one day later and sent the fax on XX/XX/XXXX.
I received a letter back from Barclays dated XX/XX/XXXX stating that they could not give me a credit for my dispute since they are outside of the permitted timeframe to help with the claim.
After over three months of going back and forth with Barclays, this was extremely upsetting and not the response that I had expected. I sent in my original dispute in XXXX, had them close the case without informing me that they needed more information, then I speak to representatives who had me send in another fax stating the last date I contacted the gym.. all for them to say they are outside of the permitted timeframe to help me obtain a credit? Absolutely absurd! Why waste my time to send in another fax then? This just shows laziness and unwillingness of Barclays representatives to actually help their customers. The gym has closed! It is all over their website and not even Barclays could get in contact with them.. So why is it so hard for me to receive a credit?
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| 11/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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To Whom It May Concern : I have a credit card, account number XXXX, with BarclaysUS. They were offering a 0 % APR balance transfer offer for 6 months that I wished to accept. The representative was offering to direct deposit the money that I need directly into my business bank checking account with XXXX Bank. I did this transaction on XX/XX/XXXX and the transaction posted on XX/XX/XXXX. I was a bit concerned with the XXXX doing the transfer on XX/XX/XXXX as he was not asking for my routing number and did not know the account number. I found this odd since I had done a similar balance transfer offer successfully on XX/XX/XXXX to the same bank account and got the money instantly. He kept asking for my branch address. I had to request that he take my routing number down numerous times. I knew that without a routing number, the ACH of funds would never hit my TD Bank checking account ( or XXXX Bank at all for that matter ). He eventually completed the transaction.
I later checked on XX/XX/XXXX to make sure the funds had hit my account and they still had not. I called on XX/XX/XXXX to establish a complaint with the company. The first representative did not seem to think it was a problem and that most ACHs could take up to XXXX business days. I implored her and her XXXX that I asked to have escalated to during the call to look a bit deeper. They realized that there was no routing number. I supplied this to them. However, now they said that this could take up to XXXX business days to resolve. I did not think that was a reasonable time window for resolution. I called again on Friday XX/XX/XXXX. I got the same answer that a case has been started and they're looking into it, but I could sense that there was no resolution on the matter or even a start to resolve the matter. They continued to reinforce that this might take 30 days to resolve. I don't think a simple ACH mistake should be given that long of a window, especially when it was me who initiated the case 5 days later and the charge is on my Barclays account for which I have the responsibility of paying. However, I don't have the benefit of receiving any money to complete the transaction.
I am writing to the CFPB to expedite the handling of this matter with Barclays. I wish for a Barclays representative other than a customer relations XXXX to give me a resolution window that is less than " possibly 30 days ''.
I can best be reached by my cell phone at XXXX.
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| 09/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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This complaint is about Barclays Bank Delaware. On XX/XX/XXXX I made a purchase in the amount of {$2200.00} to my Barclays Aviator card ending in XXXX. On or around XX/XX/XXXX Barclays notified me that that card had been compromised and that they would need to send me a new card. Shortly after I received a new card ending in XXXX. I have had the exact same phone number, mailing address, account log-in for both cards the entire time. On XX/XX/XXXX the merchant for the transaction referenced above sent a refund. As of XX/XX/XXXX I had not seen the refund reflected in my account, I never received an email, phone call, or postal mail informing me that Barclays had this refund due to me. As I mentioned, none of my contact information changed and Barclays had the ability to refund me these funds due or at the very least contact me in some way. This was 18 calendar days ( and 11 business days ) after the refund was sent. I called Barclays Customer service on XX/XX/XXXX to inquire about the status. The customer service representative immediately saw the transaction I was calling about, confirming what is clear : Barclays had this refund, knew about it, and knew how to reach me. The customer service representative offered to resolve the issue. On XX/XX/XXXX, 6 business days after my call, I still had not received the refund or any notification from Barclays. Therefore, I submitted a message in my account " Contact us ''. I have continued to follow-up with them with no resolution. They also keep changing the timeline for when this will be resolved. I am attaching the initial and all follow-up conversations to this message. As of today, it is over 30 days since that refund was sent and I have not received it and I have not received information telling me when I will receive it. I was told on XX/XX/XXXX that a manager would call me in " 24-48 hours '' and they never called. I followed-up again on XX/XX/XXXX and then I was told " it can take up to 72 business hours '' for a manager to call. The bottom line is, they are not sending me the {$2200.00} they owe me, and they keep changing timeline for when a manager is going to reach out to me to resolve. I don't need or want a call from Barclays at this point ... I want the money they owe me. A multi billion dollar bank should not be allowed to hold individual 's money this long for something that is an ALL ELECTRONIC transaction when they KNOW how to get in contact with me.
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| 06/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
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In XX/XX/XXXX, I accepted a transfer offer from Juniper ( Barclays ) to pay off my XXXX XXXX card and asked for {$1200.00} to be sent to XXXX / XXXX to pay against my balance.
On XX/XX/XXXX I contacted Juniper as the transfer to XXXX had not been made. A web response from Juniper claimed the transfer of {$1200.00} was " completed. '' and that it could take 7-10 days to show up.
I called Juniper numerous times, only to be put on hold for 20-30 minutes, and the phone cut off.
In XX/XX/XXXX, the transfer still not made, I spoke to a representative who said the account number for the XXXX card was incorrect, so payment could not be made! Why did no one notify me? If the money was sent back due to a wrong account, why didn't Barclays correct this. They did NOTHING. I was told a " special team '' would investigate and get back with me, and Case ID XXXX was assigned.
When no response was received, I called on XX/XX/XXXX, and with insistence, I was finally put through to a " specialist '' who then put me on hold for over 20 minutes, and the phone cut off. Note - each time I called, and was hung up on, no one ever called me back.
I web messaged Juniper on XX/XX/XXXX, gave the above facts, and received a web reply saying the investigation could take up to 25 days.
In a letter dated XX/XX/XXXX ( over one month since the transfer had be completed as Barclays told me ), Barclays now tells me the investigation can be up to 60 days, and maybe resolved in my " favor '' or not in my " favor. '' What does this mean? Where did the money go?
I implored Juniper to pay off XXXX while they were investigating, but that request was ignored. So, as I explained to each representative I spoke with, I am paying now for TWO credit cards, incurring a fee from Barclay 's that never occurred, and paying interest on the XXXX card that should have been paid off by Barclays.
I deserve to know why, when the transfer did not go through, did Juniper not take action to correct that and pay off XXXX? Where did the money go, and why wouldn't Juniper account for that.
I want Juniper to refund my transfer fee and the interest I have incurred from paying XXXX balance fees during this time, and mainly I want them to immediately transfer the money to XXXX to have it paid off.
I am a lawyer, and I want answers, something is wrong at Juniper, and I am entitled to know what they know.
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 02/06/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/XXXX, I received a call from Barclays Fraud Unit regarding some fraudulent charges they had observed on my account. After speaking with the man on the phone, I alerted him that the charges made were indeed fraudulent and needed to be investigated. These charges did not fit my spending profile, as I use this car primarily for rewards points while eating out and for streaming services. On the website, they advertise " {$0.00} Fraud Liability Protection '' as a benefit, so I thought I was secure and we would work the case out.
A couple weeks later I spoke to someone from the bank fraud unit and told them what I had experienced. He suggested I file a police report, which I did ( attached ). Since I know I did not authorize these charges, I thought they would eventually be cleared and I would deal with the police when they were available.
On XX/XX/XXXX, I received a letter indicated that the charges were valid. I was shocked by this and decided to follow up with the bank fraud unit. They indicated that since the card was in my possession, the charges had to be valid since it was a pin transaction. There is plenty of literature out there ( I happen to work for a competing bank ) that has shown that there is equipment out there to copy the PIN ( see below link ) : XXXX : XXXX/ After speaking with the bank fraud unit, I was told that there was no investigation completed since XX/XX/XXXX when I reported the fraud originally. No camera footage was looked at from the stores where the fraud happened ( I will provide below ). Because I said I had the card in my possession when the fraud occurred, the charges were automatically valid.
I find this ludicrous for a company that touts a " {$0.00} unauthorized fraud guarantee '' that such little research was done on this, and they would not honor the benefits they advertise. I feel as if Barclays is not living up to the standard in which they should when it comes to investigating the incident and is not honoring the terms in the cardholder agreement. None of these transactions match my user footprint as well. I was not even around the area where these charges were made, and I have someone to corroborate that claim.
Here are the unauthorized charges : XX/XX/XXXX XXXX {$120.00} store # XXXX zip XXXX XXXX XX/XX/XXXX XXXX {$61.00} store # XXXX zip XXXX XXXX XX/XX/XXXX XXXX {$220.00} store # XXXX zip XXXX XXXX XX/XX/XXXX XXXX {$93.00} store # XXXX zip XXXX XXXX
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| 08/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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There were multiple unauthorized charges on my credit card between XX/XX/2020 and XX/XX/2020. They are detailed on one of the attachments, a listing of all of the charges I am disputing as unauthorized. The total amount disputed initially was {$1600.00} plus applicable late fees and interest charged on these unauthorized purchases. These purchases were made through the XXXX XXXX XXXX for XXXX, a virtual currency used in the game XXXX.
Upon noticing the unauthorized charges, I contacted XXXX to request a refund for the unauthorized charges and my request was denied. I then contacted the XXXX company and they stated that they are unable to provide refunds for anything purchased through XXXX, they can only provide refunds for purchases made directly with them. I filed some disputes on the individual transactions through the BarclayCard account website but did not receive any response for a significant amount of time. Since I wasnt receiving a timely response on this dispute, I wanted to make sure my dispute was written and delivered with the appropriate time period specified in the Fair Credit Billing Act to preserve my rights. I also cancelled that specific credit card and requested a new one given the security compromise.
I then sent a letter, a copy of which is attached, and mailed it on XX/XX/2020 with a return receipt indicating it was received by Barclaycard Card Services on XX/XX/2020. I received no written acknowledgement of my dispute as required by the Fair Credit Billing Act.
I then sent another letter on XX/XX/XXXX, a copy of which is attached, and it was received by BarclayCard Card Services on XX/XX/XXXX as evidenced by the return receipt for this letter. On XX/XX/2020 there was a refund of {$100.00} on disputed purchases that had been disputed via the credit cards website previously so now I was requesting {$1600.00} and fees minus {$100.00}. By this time I still had not received written acknowledgement of my dispute.
Finally I sent a third letter on XX/XX/XXXX, a copy of which is attached, and it was received either on XX/XX/XXXX ( USPS tracking website ) or XX/XX/XXXX ( return receipt postmark ). By this time more than two full billing cycles had passed since my initial written dispute without resolution nor acknowledgement.
As I still have not received any correspondence from BarclayCard Card Services regarding my dispute, I have decided to proceed with this complaint through the CFPB.
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| 10/19/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
Servicemember |
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I would like the CFO from Barclays Credit Card dept to contact me. I contacted XXXX XXXX on XX/XX/XXXX between the hrs of XXXX-XXXX card ending with XXXX. Information XXXX XXXX XXXX SS # XXXX. DOB : XX/XX/XXXX. Spoke to 2 different females that same day. First female asked me mult. questions in regards to my needs and service. Told her that I and my family are getting ready for our Annual XXXX XXXX trip. Usually spend $ 7k- $ 10K on each trip. I was thinking of using this card as for the perks and service for the first time. So the first female asked mult. questions to verf, on me and then xfer to another female. The Second female person ask mult. questions again and same questions as well. So it was like the first female rept. did not give a warm xfer and just xfer me with no reason why I was calling. So already first call lack of service from a luxury card. Not saying that I already paid them {$500.00} annually fee from the get go. Also the card has never been activated and first card was used without my permission for under {$100.00} at some XXXX gas station. So already mult errors and not even using the card.
So the reason for my complaint is that : So the Second female asked purpose for the cc increase : told her vacation she ran my credit report : score XXXX she ask me many questions and for each question she place me on hold for at least 5 mins. Question like why both personal loans : one was for outdoor kitchen and other was for new home design upgrades inside : As of today both loans paid off. took out $ XXXX and paid them off on 6 mths. need proof NP. I will them. So then she ask new XXXX XXXX XXXX cc why : told her my grandmother passed away in XX/XX/XXXX and XXXX honor me 40 % off the {$500.00} suit if i open a new acct. So I did.
let me let you know CFO : i underwrite loans and let me let you know.
i have over 100k in credit card that have with 10+ trade lines.
i have 2 homes paid well $ XXXX in 16 yrs.
i have credit since XX/XX/XXXX never late ; 24+ yrs.
i have over 35+ trade-lines with comp credit and way more.
my annual base is $ XXXX plus $ XXXX annually commission.
my dti : is way under 10 % my unsecured debt ratio : 11 % low risk v high risk : please let me know.
key factors : length of time of XXXX : since XX/XX/XXXX.
since open new acct : too short : why does that matter?
low balance : no cc has a balance all {$0.00} paid off.
too many accts with balance show me. please.
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| 02/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On the first call to Barclays on XX/XX/XXXX I had a balance of {$580.00} and automatic payments of {$13.00} per the automated system. I obtained this information by entering in my social security number and my date of birth. I never opened another card with Barclays after the fraud. It took them sometime but a Barclays rep ( XXXX ) found the account, I was the primary and there was an authorized user that they wouldnt name the authorized user or the address that did not match the two I gave ( " I don't see any of those on this account '' ). I was also supposed to get some documentation and a letter, which never came. The account was flagged for fraud too by the actual fraud department ( I spoke to this gentleman ) according to the general rep ( XXXX ). The fraud rep transferred me back to the call-pool and I managed to get back to XXXX. She stated everything was now showing it was flagged as fraud and closed. I spoke to a general rep and a rep from the fraud department at Barclays.
I can still access this ACTIVE and recent credit history by entering in my social security number and my date of birth. On XX/XX/XXXX there is a balance of {$13.00}, a credit limit of {$5400.00} w/ {$1100.00} cash withdrawal, the automatic payments are no longer listed. Now I dont have an active account and I am allegedly an authorized user on someone elses account because they cant find me w/ my date of birth and social security number. They cant see the running balance or credit limit. Yet I can still enter my date of birth and social security number when calling in before I get a rep on the line. During the first two minutes of the call the general rep ( XXXX ) stated either name was not what was pulled up on this mystery account, the rep flipped shortly after and insisted I have two inactive accounts. On this call I also spoke to a customer security rep.
Barclays is trying to cover up a mistake if thats whats going on either for myself or another person. If this is a genuine mistake IT and a manager need to physically remove my social security number and date of birth, otherwise they are helping a stranger commit identity theft and credit card fraud. I DID NOT CONSENT TO HAVING THIS ACCOUNT OPENED OR TO BE AN AUTHORIZED USER. Ive put in a dispute w/ experian and frozen my three credit accounts w/ the three companies ( XXXX, XXXX, XXXX ) and Ive done the identitytheft.gov thing.
Recording :XX/XX/XXXXXXXXXX/XX/XXXXXXXX
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| 11/03/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/XXXX and XX/XX/XXXX, two fraudulent charges were made to our Barclays credit card in the amounts of {$970.00} and {$860.00}. These two charges were to XXXX XXXX XXXX XXXX in XXXX, Texas.
We immediately reported these charges to Barclays and they credited our account. New credit cards were issued.
On XX/XX/XXXX, the two charges were again posted on our credit card account. We called Barclays and were informed that the merchant had verified our address and name with the credit card number so Barclays felt they were valid charges. We were told that we should reach out to XXXX XXXX & XXXX and were provided the phone number that Barclays had.
We tried multiple times to call this " merchant '' during normal business hours and at night. The phone number goes to a voice mailbox that has not been set up and will not accept messages. We googled the address of the " merchant '' and found that it is a residential home in XXXX, Texas with no signs or indication of a business. The " merchant 's XXXX page had only 2 followers as of XX/XX/XXXX, and had not been updated since XXXX. Their XXXX page had 0 followers as of XX/XX/XXXX and does not have any activity or posts.
We called the XXXX, Texas Police Department and were told that they know of no business in their town named XXXX XXXX XXXX XXXX XXXX. They advised us to file a police report with our local authorities, which we did.
On XX/XX/XXXX, my wife spoke with a Barclays fraud department representative named XXXX & explained our frustration that Barclays had not investigated further. XXXX told her that the charges were for paint protection, headlight restoration, and auto glass replacement. She did not tell us what type vehicle the work was done on or provide any further information. She said we could file a claim to dispute again ( which we did ) but as far as they were concerned the charges were valid and the investigation was closed.
We live in XXXX XXXX, Arkansas, which is 298 miles from XXXX Texas. We would not reasonably take a vehicle that far to do auto repair work. From our valid credit card charges on the same days, it is obvious that we were not in Texas at the time these purchases were made.
We have never done business with any merchant named XXXX XXXX and XXXX in XXXX, Texas. From our own investigation, we feel this is not even a legitimate business. We regret that Barclays did not feel the need to further investigate these transactions.
|
| 07/30/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
I have 3 credit card accounts with Barclay Cards each with a great history of use and payments to them.
Recently, while on a 2 month vacation/work trip out of the country, another credit card in my wallet ( with another company, not Barclay ) was stolen and many charges placed upon it. This caused a cascading effect whereby I had to close that stolen card account, and depend upon my Barclaycards while in XXXX. Additionally, I had to shift my monthly automatic charges that were on the stolen card, onto my Barclay Cards. Things such as monthly storage units, online subscriptions, and several other auto pays were linked to this card.
The automatic monthly payments I had previously arranged with my bank and had been paying to Barclay beyond the monthly minimum payments to Barclay were now not covering the minimum during this brief period. This caused my balance on my Barclay Cards to ramp up quickly, plus Barclay charging me additional late fees because my payments were below the minimum due. My intention was to stabilize everything when I returned from XXXX. Upon return, I immediately paid the past due amounts. However, without notice, as soon as I had sent them payments, Barclay also lowered my credit limit and now the card I was relying upon to pay some of my monthly autobills that I had shifted to it was no longer covering those obligations and I was then subsequently being charged late fees from these other companies and causing cancellations of services ... a whole cascading effect. I was unaware of what was occurring since I was under the impression I still had about {$5000.00} of available credit available with my Barclay Card to get through this rough patch. To compound issues worse, as soon as I returned from XXXX, I have been dealing with a medical issue and dealing with all of this unwinding has had to be delayed. I had since discovered that Barclay lowered my credit limit without prior notification and reached out to them to restore the credit limit yet they flatly refused.
Bottom line, I have had a long relationship with Barclay, have been making regular payments in excess of my monthly minimum for years, up until this circumstance. Yet a Customer Relationship with Barclay seems not to matter to them, regardless of history, regardless of their outrageous interest rates of over 25 %, regardless that they had charged fees for things that they themselves had caused. I am done with Barclay!
|
| 08/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Billing Disputes XXXX XXXX XXXX XXXX, DE XXXX Re : My AAdvantage Aviator Red World Elite XXXX credit card account ending in XXXX Case ID : XXXX Dear Sir or XXXX : Several weeks ago, I disputed three charges on my account from XXXX for {$120.00}, for {$55.00}, and for {$55.00}.
Your dispute department first attempted to convince me that I should not bother disputing these charges with you, but instead should work on my own to address these unauthorized transactions with XXXX because the dispute process takes months. I insisted on disputing the charges with your team, after which the group reluctantly took a record of these disputes.
Now I have received a letter stating that you require additional information, and when I called the number listed in your letter to provide it, the representative informed me that my claim is closed because I was not able to pick up two telephone calls from unknown numbers on XX/XX/23 and XX/XX/23. She stated that the only way my claim will be reopened is if I send a signed and dated letter stating that I did not receive any merchandise in connection with these transactions. She would not accept my personal statement to that effect.
Let it be known : I did not receive any merchandise in connection with the above-referenced transactions, as I stated ( in a recorded call ) the very first time I filed these disputes.
You can confirm the validity of this representation by the documentation Target provided to you in connection with the dispute, which clearly shows that this merchandise was ordered ( using my credit card ) by XXXX XXXX, of XXXX, who resides at XXXX XXXX XXXX, XXXX, NC XXXX. Again, you can find this information in your own records for the dispute I filed, as you have now mailed me copies of these same records clearly substantiating that I did not order nor receive these goods.
Based on my experience with this claim, I must conclude that Barclays desires to dissuade cardholders from proceeding with even valid charge disputes, as this is by far the most difficult time I have ever had disputing a charge. Moreover, for you to hold records in your possession demonstrating that the charge is fraudulent and still refusing to refund the money unless I jump through various hoops mandates a careful review of your processes to avoid consumer abuse.
Sincerely, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau Delaware Attorney General, Consumer Division
|
| 01/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am filing a complaint against Barclay Credit Card Company, which is a creditor of my deceased husband XXXX XXXX, who was a cardholder of Barclay Credit Card ending # XXXX. The debt on the card was {$2000.00}. My husband could not appear in the court hearing due to being held in XXXX XXXX XXXX XXXX and the judgment was passed against my husband to put a lien on my property. My husband was mentally and physically XXXX and surviving on a disability income. Anyhow, my husband passed away on XX/XX/XXXX. I want to sell the property, but I can not sell the property because of a holding lien by Barclay. I want to pay out the debt balance and request Barclay to remove the lien on my property. I have been contacting Barclay since XX/XX/XXXX. I am offering to pay off whatever the debt balance is in the statement, but it seems that Barclay does not want to recover the debts and resolve the issue. They put me in the circle for two months by directing me from one department to another then one collection agency to another and lawyers etc. Then they asked me to fax the required documents. I faxed the documents to Barclay several times, then they asked me to mail the documents. I mailed the documents and they have received the documents. Then they directed me to a lawyer to discuss the case. when I spoke to Barclay Lawyer, he said that he has been waiting for Barclay to send him the statement for over XXXX weeks, but they did not send him the statement yet. When I called Barclay and asked why they did not send the debt statement to their lawyer, they have no answer to tell me the reason. It has been over XXXX months since I have been calling them every alternative day and every time they make lame excuses. I don't know why they don't want to resolve the issue when I am ready to settle the case. I have had a buyer waiting for my property for XXXX months. I am afraid that the buyer will give up on purchasing the property and cancel the deal. The property is not in good shape to find out another buyer easily if I lose this buyer. After XXXX months of contacting Barclay, I feel helpless/hopeless and CFPB is the only hope who can help me by investigating Barclay. Please inquire about this case as soon as possible, so that I would sell the property. I shall be grateful to you.
I look forward to hearing from you soon.
Thank you for your time and consideration.
Regards, Sincerely, XXXX XXXX XXXX XXXX email : XXXX XXXX
|
| 08/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
I had fraud on my XXXX card from Barclays bank. The total was close to XXXX dollars. There were 82 separate charges from XXXX XXXX on my card on XX/XX/XXXX alone. Barclays did not find this to be unusual for some reason so they never alerted me nor protected me from this fraud, since I never authorized any of these charges. Barclays initially credited me back XXXX Dollars, but another XXXX, XXXX came in on the replacement card they sent me ; a card I never activated. I alerted Barclays fraud department ( XXXX ) to this continuing fraud and they advised me that they would credit me back the new account. Then things got strange. I received two letter from Barclays dated XXXX the XXXX. One said that I was not responsible for the fraud, therefore I would be credited the entire amount, the other said I was responsible. I contacted their fraud department multiple times, and they advised me To get a hold of XXXX, because they could not, in order to have XXXX prove it was fraud. ( XXXX has no live person you can speak to ). Match tuned to XXXX, fraud Agent XXXX told me that all XXXX XXXX charges would be removed. They were not. Fraud agent XXXX Told me the same thing at the end of XXXX. Nothing. I closed the Barclays account, my XXXX XXXX account and my XXXX account, where I lost all of my XXXX travel points, as they were my favorite airline. Fraud agent XXXX told me The case was still under investigation. Meanwhile, every month my bill comes in with the fraud on it accruing interest. They demand payment every month and refuse to help me. The number is close to XXXX XXXX dollars. It is almost XXXX. I contacted Barclays corporate and they refer me to their fraud dept. the Fraud department now doesnt answer because they are supposedly too busy. I filed a complaint with the Florida Attorney General yesterday. To add insult to injury Barclays declared my account past due, which made my credit score drop 40 points. I had no choice but to send them XXXX dollars this week. Earlier this month the same thing started happening to my XXXX XXXX card but their security immediately contacted me and were able to stop it after 10 fraudulent XXXX XXXX purchases. I had no choice but to close that account out of fear. Barclays corporate will not help and they are sending me a fraudulent bill every month. They did not protect my identity and now have negatively impacted my credit. Its been 7 months and I need help. Thank you.
|
| 01/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX XXXX DEAR Creditors : Recently, I received a correspondence from XXXX Credit Reporting Agency and/or it's attorney ( s ) Consumer Litigation Associates, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with XXXX or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services.
In the year of XXXX and prior : ( These credit cards had large credit limits with the greatest of the limits being {$10000.00} and below. ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX Credit Limit between {$7500.00} and {$10000.00} XXXX ( XXXX ) XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX Credit Limit between $ XXXX and $ XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ohio XXXX ( Closed prior to XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( Closed prior to XXXX ) In the year of XXXX and thereafter : XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX, DE XXXX Date ( s ) of final payments : XXXX Amount paid {$1700.00} Balance due : {$0.00} ( reestablished credit card account ) XXXX XXXX. XXXX XXXX XXXX XXXX, IL XXXX Date ( s ) of final payments : XX/XX/XXXX Amount paid {$680.00} Balance due : {$0.00} XXXX Credit Card XXXX XXXX Credit Card XXXX XXXX. XXXX XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} XXXX Credit Card XXXX XXXX. XXXX XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} Respectfully Submitted, XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX
|
| 04/04/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
I am a victim of identity theft.
On XX/XX/XXXX someone fraudulently used my Barclays XXXX XXXX credit card to purchase an item from XXXX, in the amount of {$1400.00}. BARCLAYS did not tag this as fraud.
XX/XX/XXXX I first became aware of this purchase when Barclay contacted me regarding a charge of {$.00} on my account which I told them was fraud. At that time we reviewed all other charges on my account and that is when I became aware of the fraudulent charge from XXXX of {$1400.00}. At that time BARCLAYS removed the charge on my account and marked it as fraud.
I DID NOT PURCHASE THIS ITEM AND I DID NOT RECEIVE THIS ITEM.
XX/XX/XXXX BARCLAY called me and told me the merchant, XXXX provided them evidence that I had made the purchase and that I signed for it when it was picked up from XXXX on XX/XX/XXXX.
BARCLAY put the charge back on my credit card.
I contacted XXXX and received a copy of their Invoice which has my name, address, phone number and email. Whoever purchased the item had it shipped to my HOME. XXXX attempted to deliver it on XX/XX/XXXX however it required a signature and there was no one home. on XX/XX/XXXX the package was picked up from XXXX XXXX, CA location and signed by XXXX XXXX. I WAS UNAWARE OF THE ATTEMPTED DELIVERY AND DID NOT GIVE XXXX XXXX PERMISSION TO PICK UP THE ITEM. I DID NOT ORDER THIS ITEM OR RECEIVE THIS ITEM.
I WAS OUT OF TOWN IN FLORIDA FROM XX/XX/XXXX - XX/XX/XXXX. I WAS UNAWARE THAT XXXX ATTEMPTED A DELIVERY.
I have provided BARCLAYS documentation on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I am a victim of identity theft and that I was out of town when XXXX attempted to deliver the item and when it was picked up. I have reported this to the Police, Federal Trade Commission and filed a claim with XXXX. BARCLAY is still refusing to remove this charge from my credit card. The last time I spoke with them they told me that I have a daughter, XXXX XXXX, who resides with me, and XXXX picked up the item. I have provided documentation to BARCLAYS that my daughter has not lived with me for many years and that she was in Florida with me while XXXX attempted to deliver the item and was picked up at XXXX. XXXX is unable to provide me a copy of the ID XXXX presented when it was picked up and unable to provide me a copy of the signature when it was picked up. XXXX refuses to issue a credit for this charge and has told me I must work this out with BARCLAYS XXXX XXXX.
|
| 10/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I placed an order with XXXX for {$140.00} with my XXXX XXXX account # XXXX on XX/XX/XXXX. Barclay card acquired XXXX card on XX/XX/XXXX and assigned new account number # XXXX to me. I was notified by Barclay that the former XXXX card can not be used for purchase after XX/XX/XXXX but it can be used for process refunds, and credits for refunds will be transferred to new Barclay Master card ending # XXXX.
This {$140.00} order was a buy online pick up in store order which requires customer to pick up the order within 7 days. I did not pick up order in store within 7 days, the Bloomingdale 's store processed the refund on XX/XX/XXXX for {$140.00} to the same XXXX visa account # XXXX which I used for purchase.
However, Barclay did not transferred this credit to my new Barclay XXXX account. I called Barclay customer service and dispute department on XX/XX/XXXX, after waited 1 and half hour on phone, the Barclay rep told me I can not dispute this charge until after XX/XX/XXXX since conversion from XXXX to Barclay is expected to complete on XX/XX/XXXX. I requested to speak to a manager, the rep told me a manager will call me back.
I also contacted the merchant XXXX online customer service, the merchant told me that they had to process the refund to the same credit was it was used for purchase and it is Barclays responsibility to transfer the credit and refunds from XXXX card which they acquired to new Barclay account.
On XX/XX/XXXX, Barclay manager XXXX called me and told me that he will forward this dispute case of {$140.00} to Barclay Dispute department so I dont need to pay. However, XXXX said Barclay Dispute department will not process it until XX/XX/XXXX when the conversation is complete. XXXX further said once the dispute is processed, Barclay dispute department will forward me the dispute case number and give me a credit to my statement.
Today is XX/XX/XXXX, I still did not receive this credit of {$140.00} on Barclay XXXX account and Barclay did not contact me to provide any dispute case #. I tried to call again, but its only reached machine and long hold time. I also tried to file dispute online at Barclay website, but Barclay website says this type of dispute doesnt qualify for online filing!!!
Please review attached email from XXXX confirming they processed refund and my order status on the merchants website indicated the order to total is {$0.00} and I didnt receive the merchandise.
|
| 12/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2019, I faxed a detailed letter ( attached ) to my BarclayCard mastercard 's billing dispute department to file a claim about a {$3000.00} charge that was made to my account as a deposit for services that the merchant never ended up providing. I received a letter from BarclayCard confirming that they received my dispute, would investigate the problem, and resolve it within 45 days. The case number they assigned to my dispute is case # XXXX. On XX/XX/XXXX, I received a voicemail message from BarclayCard asking me to call them regarding my dispute. I called them on XX/XX/XXXX and was told that they couldn't process my dispute because they needed more information. They couldn't tell me on the phone what they needed ; instead I was told they would mail me a letter. I asked them to email me the information, but they refused. I asked to speak with someone else, and the operator refused to transfer me to anybody else. I finally received a letter from BarclayCard last week ( attached ), but it is simply a duplicate of the initial letter that I received from them acknowledging that I filed a dispute and they would investigate and resolve it within 45 days. I called Barclaycard again today, XX/XX/XXXX, to inquire about the status of my dispute. I reminded them that the 45 days had elapsed, I still haven't heard anything from them, and my account has not been credited. I was told by the operator that they closed my dispute because I failed to provide the information that they requested. I told them that they NEVER sent me anything requesting any additional information. The operator insisted that they did and I failed to respond. I asked to speak with the person who was actually investigating my claim and was refused. I asked for them to have the personal actually handling my claim to call me and I still have not received a phone call.
The merchant in this case TOLD us to file a dispute with the credit card company. All they have to do is contact the merchant and HE WILL VERIFY that he did not perform the work. The charge was made on my son 's card, who is an authorized user on my credit card account. My son is a XXXX XXXX -- he certainly is not going to file a fraudulent claim. Again, this would be EASILY resolved if BarclayCard would simply CONTACT THE MERCHANT!!!! Instead, they are refusing to reimburse my money by lying and saying that I failed to submit information that they NEVER requested.
|
| 07/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
My identification was stolen and someone used it without my permission. The bank sent the updated XXXX to an unfamiliar person with a different address and phone number. At first, I was unaware that my credit card had been stolen and only realized it when I noticed a drop in my credit score and called the bank. However, the bank 's phone line would disconnect automatically all the time, and everyone kept transferring me to different departments. I spent four hours being transferred from customer service to the security department to the fraud department and so on. Finally, the bank gave me an investigation number and said someone would call me back, but no one did.
Months later, the bank 's collection department called me for payment. I explained the situation to them, but they referred me back to the customer service department, who said my account had been closed and they could not help me. A month later, the collection department called again, asking why I had not made a payment. I had to repeat what had happened, and they said they would send me a statement and asked me to highlight which transactions were not mine and mail it back to them. They said I would receive the statement in XXXX business days, but I waited for XXXX days and did not receive it. The following month, the bank called me again for payment, and I had to explain the situation again.
Having my credit card stolen was already frustrating, and the fact that the bank was not helpful made it worse. I thought my account activities were recorded in their system, and the previous conversations with the bank were also recorded, but every time their phone line disconnected or they transferred me to different departments, it made me feel that they were not professional.
Another couple months later, I received a letter from the investigation team regarding they have completed their investigation and have determined the activity is valid. But I received the phone call from collection agency regarding my balance, they said they received the letter from you guys on XX/XX/2023, and my balance is {$2000.00}, which means Barclays did not credit back my credit to my account. I called the bank, but investigation team has no record about this letter in their system, and it is so unprofessional.
From XXXX to XXXX, I had already wasted so many months being investigated by this bank, and I got so many phone calls from the collection agency.
|
| 09/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX ( pre COVID 19 ) I charged a gym membership to my Barclay 's issued UBER Visa card in the amount of {$500.00} for a two-year membership. I was renewing my membership for the third time since I became a member there. Then in Illinois, we were shutdown in the month of XXXX which included gyms. At the end of XX/XX/XXXX gyms were permitted to re-open with restrictions. The gym where the membership was for did not re-open yet, which was not uncommon in many cities. So I waited a couple of weeks, and people were posting on social media that the gym was going to reopen in XXXX. I tried calling the facility multiple times, sent them an email to their general mailbox, and also posted a few times on their social media page to inquire when they would re-open. I waited because who would have known with the current environment we live in that they still might not open. So at the end of XXXX, I wrote a letter to Barclay 's to dispute my charge of {$500.00} because I saw that equipment was being removed from the gym location, indicating to me that they were not reopening. On XX/XX/XXXX and XX/XX/XXXX I got letters from Barclay 's stating that my dispute was assigned to a specialist. On XXXX I received a letter stating that my dispute was being rejected because too much time had passed between when the charge occurred and when I disputed it. The only reason why there was so much time between the two events was because of COVID lockdown, not because I was just procrastinating disputing it. The rejection was only because of the general rules that do not take into account what we are currently facing in today 's environment. The charge was for a two year membership, not a one time purchase, and the fact that Barclay 's never even reached out to me to discuss the situation indicated to me that they only rejected it because of the time line, and did not even take the time to understand what the charge was for and the events that let up to the dispute.
On XXXX I called Barclay 's number on the rejection letter and was told there was not anything the Relationship Manager could do for me but I could write another letter to have my case re-opened but there was no guarantee that it would get resolved either because of the time that has passed between the charge and dispute. It's hard to communicate this information in a letter when it is much easier to explain it over the phone with a simple phone call.
|
| 10/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I have a XXXX XXXX XXXX XXXXXXXX currently administrated via Barclays. I have auto payment of my full statement balance set up for past several months, paid 1st of the month. On XX/XX/XXXX, my statement balance of {$4500.00} autopay was initiated, and successfully/confirmed processed by my bank on XX/XX/XXXX, first business day after XX/XX/XXXX. Barclays then processed the auto payment AGAIN, on XX/XX/XXXX ( not authorized, not imitated by me, the customer ) for another {$4500.00}. This overdrew my checking account from a different bank, to which my auto payment draws from, and, because I have overdraft protection on that checking account, it completely drained my linked savings account as wellso I was completely wiped out, financially, of all liquid funds from my primary banking institution.
I contacted Barclays and they said they were investigating. That led me to speak to a supervisor, who noted that XXXX XXXX was aware and researching the issue, which was known to be widespread. I called my checking/savings account bank to put a stop payment against Barclays for XXXX charges and they noted they have been receiving calls all day from impacted customers. Researching online, Barclays appears to have done something similar in XXXX and perhaps again circa XXXX.
I have had credit cards for 30 years and have never experienced anything like thisthe bank itself was who I wanted to report as having committed fraudulent activity on my account. They can say it was a technical glitch but that is not acceptable for repeat behavior by a massive banking enterprise ( or anyone! ) How many millions of dollars did they temporarily steal or rob people of access to? How many peripheral fees will customers have to incur and get stuck with as a result of another such mistake? How much time will consumers have to spend trying to talk to Barclays and their own financial institutions to recover those fees and be made whole again?
Barclays should come with a warning label for potential customers to be made aware of. Occasionally we may pay ourselves twice using your money. In my case, and the case of approximately XXXX million+ customers, our Gap cards were moved from XXXXXXXX XXXX to Barclays through no choice of our own, so we got stuck with this company which seems to have issues handling money properlyand if you cant rely on a bank to do that one thing rightthey should not be permitted to operate as a bank.
|
| 12/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I requested a balance transfer of {$12000.00} with my credit card company Barclays Bank and it was approved and deposited to my bank account with XXXX XXXX on XX/XX/2021 in the amount of {$12000.00}. My account with Barclays reflects that they have made two duplicate deposits for {$12000.00} each totaling {$24000.00} with two duplicate balance transfer fees of {$360.00} each totaling {$730.00}. They have made only one deposit to my bank account with XXXX XXXX for {$12000.00}. I have credit line of {$17000.00} and they are reporting to the credit bureaus negatively, and it has impacted my credit score and credit report negatively. I have not been able to apply for any credit during this time as it affects the interest rate. I have made numerous attempts to resolve the issue. First phone call attempt was made on XX/XX/2021 at XXXX XXXX. and I spoke with XXXX advising of the issue and was reassured it would be addressed. XX/XX/2021 I spoke with XXXX at XXXXXXXX XXXX. and was reassured it would be addressed, with no record of my phone call from the day before. XX/XX/2021 I requested to speak with a manager due to being told no record of the phone call and spoke with XXXX in the Customer Care Department and was reassured it would be addressed and was provided with case number # XXXX. I was advised the issue would be addressed and that they would update my account and report the correct information to the credit bureaus removing the duplicate balance transfer of {$12000.00} and duplicate transfer fee of {$360.00}. I requested XXXX to follow up and update me on this matter and she agreed. Today is XX/XX/2021 and the issue still has not been resolved and I have not received a call back as promised by XXXX. I have a payment that is due XX/XX/2021 for the incorrect amount and I am very frustrated that XXXX has not addressed the issue with my account and updated the bureaus correctly. This issue has dropped my credit score from XXXX to XXXX. I have the credit card account for an emergency and now can not use my credit line to bury my father that just passed away due to XXXX. His cremains sit at the funeral home while the bank does nothing to fix this issue. I take good care of my credit by paying my bills on time and should not be impacted like this. I've explained the urgency to XXXX as I'm working through this difficult time. Please escalate this issue so my family and I can bury my father. Thank you.
|
| 03/28/2017 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
Servicemember |
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I currently serve as an XXXX in the U.S. XXXX. I wanted to bring to your attention to a cancellation of Servicemembers Civil Relief Act ( SCRA ) benefits by Barclays Bank on their XXXX that will likely put many servicemembers in a financial bind, and at the very least is an abuse of those servicemembers ' good faith and trust in Barclays as a financial institution and lender.
A little over a year ago, I, along with many friends currently in XXXX, opened a Barclays Gold XXXX with an agreement that the SCRA benefits afforded to me would include a 0 % interest rate on both old and new purchases, balance transfers and cash advances ; no fees of any kind, which included waiving the annual fee of {$990.00} each year and charge of {$290.00} for each authorized user ; and no collection efforts. After reading that the waiver of annual fees was withdrawn from the offered benefits on XX/XX/XXXX, I wrote Barclays, on XX/XX/XXXX, to ensure this would not affect me as the terms of my SCRA benefits should apply prior to changes. In an email Barclays assured me that I would maintain these benefits until end of my XXXX period. Today, XX/XX/XXXX, I received a memo stating the annual fee would now be assessed each year, and I will be charged {$1200.00} dollars. I called and talked to Barclays ' management, who had the correspondence on record, and they informed me I would be required to pay this for the next billing period.
I write this letter not to drone on about my financial burdens, as fortunately I will pay my balance and close the card to avoid yearly charges. I write because I know of countless servicemembers who were deceived by Barclays, offered extremely high credit lines, most in excess of {$25000.00}, with the promise of 0 % APR. When I asked Barclays management, on the phone, if they were aware the bind in which this will likely put countless servicemembers, they responded, " Yes, we are aware they are very upset. '' These servicemembers now face the decision to either pay their balance and close their credit card, possibly putting them in a position of financial hardship, or pay the exorbitant annual fee. I hope you can see why this is an abuse of both servicemembers ' trust and the spirit of the SCRA, which has long provided XXXX and Veterans a piece of mind in making financial decisions. I also hope that those who are XXXX servicemembers were not impacted by this blatant abuse of their trust.
|
| 02/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I had 2 fraud transactions by the same company on Banana Repub CC in XXXX and reported to Barclay bank in XX/XX/2022. Only charges on the card were fraud at the time and I did not have to pay until the investigation was done. I received a letter in XXXX from Barclay saying the investigation was completed, fraud was confirmed and I didn't owe anything. Later, I received a bill and I was charged late fee and interest fee. Every month sometimes twice a month I had to call Barclay fraud dept, wait on hold verify my identity and still start over again unitl XXXX when I had broken down as they repeated the same thing, Barclay Fraud dept had to re-investigate the same charges. Same charges were re-marked re-investigated for months. Over time the late fees and interest fees grew and I was reported to the credit bureau. I had told them that I had several of those similar conversations with the fraud department and that they said they would later resolve with credit bureau once the fraud was confirmed. Finally after me crying on the phone for someone to help, I received a call from Barclay and the person resolved the ongoing issue. At this time, I am shown as 6 months delinquent payment with more amount owed than fraud charges. Finally, the balance of the account is XXXX and removed all the fees associated with it .Now, I asked Barclay to help me with credit bureau and they are asking me to mail them all this information and they will look into it. I had filed dispute throuh XXXX and they send me a letter saying they had repported deliquent payment accurately. Its beyond my understanding that they confirmed fraud charges, they removed after traumatizing me mentally and now they want me to send them more documents What do i need to provide, they are responsible for messing up my credit score as they weren't efficient enough to take care of things soon enough and are asking a letter with details and paper proof. They have all the proof they need. Please help, as this has caused mental trauma to me and them still asking me to go through similar process. I have lost my faith in them trying to do anything to help. I had been Banana repub customers for years..I would like my credit score to be updated to what it should have been in XXXX. I need your help please. I have documents supporting what I told here. I had filed official complaint with Barclay complaint dept in XX/XX/XXXX and no action has been taken.
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| 08/31/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I obtained my annual credit report XX/XX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XX/XX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXXstore cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! XXXX Auto Dealers?
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Barclays bank DEXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 03/28/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
Upon receiving my new XXXX Mastercard, provided by Barclays, I purchased airlines from XXXX to travel to XXXX in XX/XX/2020. Subsequently due to this Coronavirus pandemic and my advance age, I sought to cancel that trip with XXXX. However, using the only available online option, I found out that to cancel that booking the airline would charge me {$400.00} for the tickets which amounted to {$1600.00}. I attempted to contact Barclays by phone & by email subsequently, but to no avail. Based upon the specific stipulations on the credit card agreement, I informed Barclays to cancel the credit card since I was unable to obtain any relief from either XXXX & Barclays. The credit was returned to Barclays. However on XX/XX/2020, I received a new billing statement from Barclay in which a fee in the amount of {$120.00}, along with interest for {$37.00}, were assessed which brought the previous balance of {$1600.00} to {$1800.00}.
The airline companies & the financial institutions will be receiving large sum of monies from the {$2.00} trillion stimulus package which our president Donald Trump has signed into law, whereas there will not be any relief for me.
According to President Trump 's Coronavirus Guidelines For America, there are certain specific recommendations for peoples in my age bracket : 1 ) If You are An Older Person, or have a serious underlying health condition, stay home and away from other people.
2 ) Avoid Discretionary Travel, shopping trips, and social events.
Barclays offered me no prior alternatives when I first contacted the via email, and their response was that they could not call me nor write to me to discuss my issues.
The coronavirus pandemic is no fault of mine & I am following Federal Guidelines not to travel, and Americans who are now overseas have difficulties to come back home, and many of those countries have closed their borders which include XXXX where I originally intended to travel in XXXX.
I asked Barclays to cancel my account and to delete the charges since that I can not travel. On XX/XX/2020, I finally received info from XXXX about banking credits which they did not offer before, but for a very limited amount of time, while the interest charges on that credit card is a high 26.4 %.
The financial institutions and the Airline companies should heed the Federal guidelines to assist consumers fairly in these critical moments caused by the coronavirus pandemic.
|
| 02/01/2017 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
|
On XX/XX/2017, I went online to obtain my credit score. My credit card company, BarclayCard, provides my credit score for free as part of my cardholder benefits. The online information showed my credit score as XXXX. They also provided a link to a 12-month history of my score, so I clicked on the link. The history showed my score over the last 12 months. What caught my eye was that my score had risen to a high of XXXX, and very soon after had fallen to XXXX. Then it went to XXXX and to the present score of XXXX.
I wanted an explanation for the drop from XXXX to XXXX. The site said that if I had any questions about my FICO score, I should call XXXX, and it listed a phone number. On the XXXX, I also obtained my free annual credit report from XXXX. There was nothing negative in it, all my accounts showed as continually paid on time. Eight days later on XX/XX/XXXX I called XXXX at XXXX XXXX to see if someone could explain the sharp XXXX point drop in my score. Not only would n't they explain it, they claimed their records showed a current score different from XXXX ( but they would n't tell me what it was ), and they speculated that BarclayCard was using a different scoring model than XXXX does ( they mentioned XXXX ). They were denying that they even supplied the score that BarclayCard was displaying. So I asked to talk to someone who was aware of the apparent business relationship that existed between XXXX and BarclayCard, and they refused. They told me to go back to BarclayCard for any explanation of the score. So I called BarclayCard at XXXX XXXX to ask for an explanation of the XXXX point drop, and to verify who actually calculated the score I was seeing on the BarclayCard site , BarclayCard or XXXX. The BarclayCard Customer Service Rep. claimed they simply posted the information provided to them by XXXX, that BarclayCard DID NOT calculate the score themselves. And making sure to mention that they provided the score for FREE, there was nothing else they could tell me, and I would have to contact XXXX for any explanation of the score. In other words, BOTH organizations were claiming that the score was not calculated by them, it was the other guy, and go talk to the other company if I wanted any further explanation. I would like to know who calculates the score, and I would like an explanation that justifies a XXXX point drop in just one or two months without any negative data to support it.
|
| 04/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
XXXX My Gold and Arrival card are not reporting to the national credit reporting agencies and there are several years of missing history which has a negative impact the merit system rating.
The bigger picture is : low credit scores and credit invisibility are due to decades of ongoing, uncorrected, discriminatory practices. The systematic barriers set up long ago have never been corrected and continue to create barriers for certain Americans. The country is trying to correct is discriminatory foundation however there continue to be a strong lack of equality and opportunity in the system and with lenders.
All credit bureaus ( XXXX, XXXX, XXXX, XXXX, and the hundreds of alternatives such as XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are all operating independently so the credit file from each bureau is different however all private, for-profit companies are still subject to laws and regulations. In addition, it is the credit card companies responsibility to report accurate information to the credit reporting agencies.
The credit reporting system, and the Fair Credit Reporting Act are serious issues that have impacted XXXX XXXX Americans. Consumer Financial Protection Bureau and the Federal Trade Commission Bureau are looking into applying serious penalties when credit reporting agencies and private, for-profit companies continuously violate the law, misuse consumers information, purposefully contain material errors in consumer files, and/or refuse to correct errors - all of which are impacting XXXX XXXX Americans. The FTC and CFPB to name a few are starting to issue civil penalties to credit reporting agencies and other companies which actively do not behave in the consumers best interest.
In addition, when it comes to issues with overcharging clients, many corporations like to use forced arbitration clauses which hurt XXXX XXXX people in this country and that number is rising placing millions of people at a disadvantage. CFPB, FTC are working on providing consumers with a safer, more regulated credit reporting system however it starts with the companies transferring consumer credit ratings to e.g. XXXX ( XXXX : XXXX ), XXXX XXXX ( XXXXXXXX XXXX XXXX ), and XXXX ( XXXX : XXXX ) and other CRAs to help with forward progress.
|
| 01/28/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
1. 30/60 days past due, negative credit report, I never received phone calls with a live representative or automated message, Last name was spelled XXXX ( incorrect spelling ), Barclays Bank Delaware 2. 30/60 days past due, negative credit report, my children misplaced the mail/ I never received any follow-up from the company to collect payment, XXXX XXXX credit card 3. 30/60/90 days past due, negative credit report, Not my account/ name is incorrect XXXX XXXX XXXX is not me/ I never received any follow-up calls, XXXX XXXX 4. 30/60/90/120 days past due, negative credit report, I requested the company to close this account and assistance to create a payment plan, but received no follow-up, I eventually paid it in full due to no response, XXXX XXXX XXXX 5 . 30 days past due, negative credit report, my wife is in charge of this account, not me/ I asked the company to change the contact info, but they never did, XXXX XXXX 6 . 30 days past due, negative credit report, This is my wife 's vehicle in which she wrote a check and sent it in prior to the major holidays. After receiving the notice of this late payment, we called XXXX and explained what we did. The representative stated they received the check, but did not deposit it till after the holidays and said they would not report this as a late payment-it still reflects it on my credit report, XXXX XXXX XXXX 7. 30/ 60 days past due, negative credit report, My wife was responsible for this account, the vehicle was a gift. My wife became delinquent due to XXXX XXXX around that time frame. This was brought to the attention of the creditor, but we never received a follow-up solution, XXXX XXXX XXXX 8. 30 days past due, negative credit report, I have never been late on this account/ support. I made the mentioned payment on a Friday late afternoon in which that following Monday was a holiday. I called the representative and explained this matter. She agreed that it was a mistake and provided advise on payment delivery. The representative stated this would not affect my credit, but it reflects on my report, XXXX XXXX County D.A.
9. 30 days past due, negative credit report, Old account that I disputed with the company years ago. The representative stated they would remove this from my credit report, but it is still there. XXXX XXXX XXXX 10. 30 days past due, negative credit report, Not my account, I am not familiar with this company. XXXX XXXX XXXX
|
| 08/31/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/2023 I made a payment from my XXXX XXXX XXXX online payment center to Barclays. The amount I intended to pay was {$700.00}. I accidently put in an extra zero and made a payment of {$7000.00}! When I discovered my error on 08/20/2023, I immediately contacted my bank and was assured that Barclays would refund the money and this is a very common procedure.
On XXXX/XXXX/2223, I contact Barclays and I spoke to several people in the customer service department including XXXX, XXXX, and XXXX. I was told by the Barclays employees that since the payment was made by a third party, XXXX XXXX, that the money could not be reimbursed and that I needed to contact XXXX XXXX XXXX After many calls to XXXX XXXX XXXX, I was repeatedly told that no one at XXXX XXXX XXXX has ever heard of a merchant not returning the overpayment. I was also told that since Barclays has collected the money and it is now with Barclays, that XXXX XXXX XXXX can not recall the money. I requested to speak to someone in XXXX XXXX XXXX bill pay and was directed to XXXX.
XXXX, from XXXX XXXX XXXX XXXX XXXX. called Barclays with me on the line and we were finally connected with XXXX ID # LASRPA. XXXX would not provide his last name. XXXX inquired why the money could not be reimbursed. Again, we were told that because the payment was made by a third party ( bill pay ), I would need to seek recovery from them. XXXX from XXXX XXXX XXXXXXXX XXXX XXXX reported she is in fact from XXXX XXXX XXXX XXXX XXXX and that this was not a procedure they could do since the money was in the hands of Barclays and they needed to refund the money. XXXX advised that Bank XXXX XXXX is not able to recall the funds since there was no fraud involved and that Barclays should return the funds. XXXX reported that this was a simple mistake, and it happens all the time. XXXX stated that since the payment was made from XXXX XXXX XXXX and not directly through Barclays, that the money would not be reimbursed.
I dont understand why it matters where the money came from. The funds have been withdrawn from my bank account and now Barclays has the {$7000.00} and refuses to return it to me. I have gone around and around with this issue since Sunday, XX/XX/2023. I am not a delinquent customer of Barclays. I have always paid my bill. In fact, the minimum balance due on XX/XX/2023 is {$280.00} and I was trying to more than double the minimum by paying {$700.00}.
|
| 04/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
XX/XX/XXXX I was charged {$210.00} on my XXXX XXXX by XXXX XXXX for a XXXX purchase that did not happen and does not show up anywhere on my XXXX account or my husbands. It is identified as XXXX " XXXX XXXX XXXX CA. Calling the number leads you to XXXX. When I stated the charge was fraudulent ( immediately, since I received a text via phone alerting me to the charge ) XXXX closed my account per my request and issued a credit in 2 billing cycles. There were finance charges and late payment amounts that accrued and also were credited. I paid the balance in full {$620.00} minus the fraud amount and fees attributed to said amount. Since the fraud amount was in the pending status when I alerted them, the agent said that the charge had to post before they could look into it. Is that correct? Our accounts for Gap were transferred to Barclays Bank during that time. The amount of {$270.00} was a transferred balance on XX/XX/XXXX to that account with the words XXXX. When I called Barclays and asked what this balance was being transferred, they stated they did not know and to contact XXXX XXXX. XXXX Bank said my account was closed and they had no further information. After several calls to the fraud dept. at Barclays with documentation sent per snail mail certified since no one has a fax machine in this day and age ... .numerous phone calls for almost a year ... since they charge it off and then put it back on and finally sent a letter on XXXX XXXX. XXXX stating that I was not responsible for the fraud. XX/XX/XXXX they send another letter saying the charge is valid since they did not receive documentation. Which is not true, I sent want I have certified mail ( but today claim that I did not have an account Id # XXXX on every piece of paper it would not be looked at. Almost a year later I am hearing about an Id #. The original fraud people with Barclays kicked the claim over to another fraud division since I closed this account also. I am a customer that pays her account in full every month. I treat every credit card as a cash account. Now I have to worry about my credit score ( that is always around XXXX ) being tarnished by insane business practices. Bottom line.. neither XXXX or Barclays want to be held accountable for the fraud, and want to claim it is the other businesses issue. It is XXXX XXXX that should be responsible but it should be Barclays responsibility to work it out with XXXX Bank.
|
| 07/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I applied for the Barclays XXXX XXXX card on XX/XX/XXXX and have had multiple issues with this card ever since that date, none of which are resolved by calling into their customer service.
Upon applying online for the card, an offer was made for a 0 % apr balance transfer from any card I prefer. This offer/checked box on the online form showed no direct information of being applicable to have a fee, nor did the brochure spell out a fee involved. Nor was there a popup of any kind to notify me of the fee.
3 weeks later, I went to use my card on vacation and was decline, at this time I had made at least two payments even though I had yet to receive a formal bill. Multiple times that day my card was declined. I checked online and was over {$1000.00} away from being close to my limit. I called and was told my balance transfer had been completed and that it counted against my available credit limit. At the time I requested a balance transfer, I received no confirmation that it had been accepted or had actually taken place, no text, mail or email explaining the balance and the website did not reflect it.
I kept sending payments to help get the balance down, even though no bill had been issued.
Today ( XX/XX/XXXX ) I was checking into my statement and see a fee of {$90.00} that occurred on XX/XX/XXXX, for a balance transfer. I called and they told me there was a fee charged to do a balance transfer ( the transfer they never made me aware that had occurred, and along with a fee that I was never notified of or made aware of ). Currently, I'm still on an hour hold waiting to speak with a supervisor who's employee has already told me that I should've been aware of this " fee '' when I applied ( though there was no notification on their website while applying for the card when the transfer " special '' was offered ) and that I should give up because no one will credit me that fee back.
Again, never received any mail or email or text confirmation that any balance transfer had been completed in any of this time frame.
I'm at wits end with this card and feel so taken advantage of by this organization and at the way the card was promoted on the XXXX XXXX flight we were on. No one ever seems to be able to resolve my issues when I call them and they leave me talking to brick walls over sneaky and unethical methods to charge fees to unsuspecting credit card applicants and users.
Please help.
|
| 08/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
I applied for a Barclays XXXX XXXX XXXX XXXX XXXX XXXX, and was not provided the sign-up bonus of XXXX miles, following a purchase within the first 90 days of account opening, which I did.
I applied for the card over a competitor of Barclays ( who also offered a card with AAdvantage miles ) because of the bonus offer that was made and I accepted.
I applied on XX/XX/23, but Barclays delayed both the approval and sending the card well beyond anything I have experienced. I only got the card in the mail on XX/XX/23 -- over a month since I applied, and, I was told it was approved in early in XXXX when I called to inquire.
Since I knew it was approved in early XXXX, I knew I had until the end of XXXX ( XXXX being a short month ) to make a purchase.
I made a purchase on XX/XX/XXXX, which posted on XX/XX/XXXX. Even if my application was finally approved on XX/XX/XXXX ( which would have been the earliest date of approval based on Barclays saying early XXXX when I called ), the transaction posted on the XXXX day ( if both days are included ), and XXXX day since I had received the card and activated it.
The activation date is arguably relevant to the opening date, as the only way I was allowed to use my card was to agree to additional terms online from Barclays. If I refused to agree to these terms not in the application, and governing general card usage, it would be hard to argue the account was fully opened until I agreed to the additional terms Barclays required.
I realize I was cutting it a bit short, but I still completed the requirements for the XXXX bonus miles in time. I am guessing there is a flaw in Barclays system which failed to account for the shorter month of XXXX, or an error in the sending of a card well after I applied which did not all in good-faith for 90 days if they largely delayed sending me a card for weeks on end.
I am requesting the XXXX bonus miles given the large timing anomalies regarding the approval/delivering of the card and the ambiguity on what constitutes opening of the card when all other card issuers seem to stick with approval ( as well as give additional grace period days or deliver the card in a faster timeframe.
I will accept Barclays providing the XXXX bonus miles as a courtesy that acknowledges no wrong doing on their part or an acknowledgement of many concerns Ive brough up, as I dont wish to drag this out if the miles could be provided.
|
| 02/04/2016 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
|
Since circa XX/XX/XXXX, I have been an updating Barclay credit card holder with upstanding credit. Paying not just the monthly due increments but at times, the ENTIRE account balance at once, so much so that they raised my credit from the initial {$1300.00} to {$3300.00} several months ago. I made regular automated payments as usual. Due to a dispute I filed to prevent a fraudulent transaction from my source bank, with which I paid off my Barclay credit card, they temporarily froze my account which reversed the payment to Barclay once month. I received a payment confirmation and no word from Barclay that there had been an issue with payment via email or mail. In XX/XX/XXXX, XX/XX/XXXX I received a letter from Barclay stating that my card/account was closed. I immediately dialed their customer service line, spoke with a female specialist and she stated that if I were to pay {$170.00} ( rather than keeping it closed and going on the " hardship program '' which would reduce my interest rate and monthly payments dramatically ), she 'd reverse the reversal fees and ASSURED ME that my account and card would be reopened. I did so that day, on the phone with her. On XXXX XXXX, XXXX, I phoned their customer service line again to be told that my card hand n't been reopened because it was currently above the credit limit. So I paid AGAIN on that day to bring my balance well below my credit limit and I was told my card would be reinstated and my account reopened within 24-48 hours. That yet again DID NOT HAPPEN. I phoned in ONCE AGAIN today, XXXX/XXXX/XXXX to ask about the status of my card and account after XXXX transfers, ending with a supervisor and their internal collections department, I was informed that not only was my card was not able to be re-opened, but that I had been misinformed and lied to by the PREVIOUS XXXX representatives as my account never had a chance of being reopened, despite my upstanding history and loyalty and explanation of the recent issue. I then inquired about getting on the hardship program to reduce my monthly payments and interest rate and I was simply put on hold and told " Sorry, you 're account is able to be put on The Hardship Program. '' Again, a direct contradiction of what I had been told by Barclay all along. I was given no explanation except a case number and the " assurance '' an investigation would be begun to find out why I was misled and misinformed.
|
| 05/09/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
My complaint concerns Barclays Bank Delaware. I opened my online savings account at Barclays Bank in XXXX, and in the eight years since, I never had any problems with this account until last week. Barclays allows customers to link up to three external accounts for fund transfers. I already had two linked external accounts, and decided to add a third account which is an established savings account I have had at XXXX XXXX XXXX since XXXX. On XX/XX/XXXX I entered the required account and routing number to set up the third account on Barclays website, and shortly after received an email from Barclays stating that two small trial deposits would be sent to the XXXX XXXX account within 2-3 business days ; I would then need to log back into my Barclays account to verify the trial deposit amounts to finish linking the account. It should be noted at this point that I was not attempting to transfer any funds, I only wanted to add this account for possible future transfers. On the evening of Monday, XX/XX/XXXX I received another email from Barclays stating that my account access had been suspended. No reason for the suspension was given, but the email requested that I call Barclays Customer Care " so we can review recent activity on your account and restore your access. '' I called Customer Care on the morning of Tuesday, XX/XX/XXXX and was told my account had been suspended because they needed me to email them a bank statement from the XXXX XXXX account that I had recently tried to link. I was given an email address to send the statement to, which I immediately sent. I was told it would probably take " around three business days '' for my online access to be restored after they received the copy of the bank statement. Interestingly, the two trial deposits were made to the XXXX XXXX account on XX/XX/XXXX, but since I had already been completely locked out of my Barclays account the day before, I had no way to verify them. More than one week has passed since my account was suspended, and I am still completely locked out of my Barclays account. I have sent Barclays copies of the XXXX XXXX bank statement twice in the past week, and so far they have not responded in any way. Any assistance you can provide to recover my savings and restore my account access will be greatly appreciated. Please feel free contact me if you have any questions or need additional information to resolve this nightmare.
|
| 08/08/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
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I am an XXXX XXXX Service Member with almost 19 years of service. In XXXX XXXX, while attending a XXXX XXXX XXXX, I was told about the Barclays Gold Card benefits for XXXX XXXX Members. The offer sounded very good so I call Barclays to confirm what I was told about the 0 % APR with waived annual fees for as long as I was on XXXX XXXX. The customer service person that answered the phone confirmed that in fact all annual fees were waived as long as I was on XXXX XXXX and I would receive a 0 % interest on all purchases. Immediately I was asked if I wanted to apply and I agreed. After taking all my personal information, I was told that I would receive approval notice in a few days. The customer service representative also said that in order to get the annual {$990.00} fees waived and the 0 % interest, I had to send some personal documents like my XXXX and XXXX XXXX XXXX. In XX/XX/XXXX all my documents were sent and soon after that I was approved with yearly fees waived ( {$990.00} ) and 0 % interest rate. Soon after the approval, I received on the mail the anticipated Barclays Gold Card Mastercard. In XX/XX/XXXX, I was mobilized under military orders to the XXXX XXXX in support of military operations. My Barclays Gold Card Mastercard became my card of choice to cover all travel expenses. Knowing that my card guaranteed me no annual fee and 0 % APR, I charged all expenses reaching around {$30000.00}. On XX/XX/XXXX I received a letter from Barclays Gold Card dated back to XX/XX/XXXX. The letter arriving so late was common because of my constant moving around the different countries in the XXXX XXXX. The letter stated that I was no longer entitled to the Barclays Gold Card XXXX XXXX benefits and they were going to charge me {$990.00} annual fee on XX/XX/XXXX. They also said that they will honor the 0 % interest. I find this to be an insult and abuse to Service Members. I was promised that the {$990.00} annual fees were going to be waived for as long as I was on XXXX XXXX along with a 0 % interest. I called and confirmed that with Barclays before applying for the credit card. I think proper action must be taken to correct this issue. I was misled by the company and I demand quick action to resolve this matter. I would n't have applied if I know they were not going to honor their promises. I have never been late on making any payments and I am committed to continue doing so. Please help.
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| 09/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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This is the timeline of the botched transaction from my XXXX XXXX to Barclays. during this time, my credit score dropped from the high XXXX to the low XXXX.
XXXX - Begin hearing about XXXX transitioning from XXXX to Barclays.
XX/XX/XXXX - Last automatic payment of full balance to XXXX XXXX
Was Notified they were switching over to Barclays.
XXXX - Notified that a new Barclays credit card was getting mailed out. This card was never received Called Barclays and requested a new card be sent out.
Barclays refuses to use my last name of XXXX and insists on using my maiden name of XXXX unless I send a copy of my marriage certificate. Gap had been using my last name of XXXX since I got married in XXXX. I told Barclays to close my account.
XXXX - I never received any new Barclays card. They insisted they had mailed two out.
Begin to see negative impacts on my credit score, but never received any statements from Barclays and was never given any information on how to pay online.
I again asked them to close my account and requested they mail out a paper statement.
Called Barclays again and asked them to mail out my final statement.
Still no final bill sent. Call Barclays again ( for the third time ) to ask for the final bill. I told the XXXX I would be mailing a check in to pay the amount in full, minus late fees and interest charges.
XXXX - I finally received the final bill.
XX/XX/XXXX - Mail check # XXXX for the full amount, minus interest and late fees.
XX/XX/XXXX - Check for {$2300.00} is cashed by Barclays.
XXXX - Call Barclays and talked to a customer service rep who let me know that they did receive the check and my account had a {$0.00} balance. I thought everything was revolved.
XX/XX/XXXX - Credit monitoring shows Barclays has marked the account as more than 60 days delinquent.
Call Barclays again, asking to confirm payment, and close the issue, and fix the credit reporting issue. They claim they cant find the payment, despite my bank showing the check was cashed by Barclays on XX/XX/XXXX.
Still calling me by my maiden name of XXXX.
XXXX is investigating this, but says it wont be resolved for 30-45 days. XXXX ID # XXXX At this point, it has been almost 4 months of trouble and this has ruined my credit score.
Another 30-45 days of this is unacceptable.
My account has been pain in full. I would just like this issue to be closed and my credit score restored.
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| 01/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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2 Letters dated XX/XX/2022 With different application numbers noted on each. Stated this was regarding my application for the XXXX XXXX XXXX. XXXX stated if you have any questions regarding this letter please contact us at card services XXXX XXXX XXXX XXXX XXXX XXXX No phone number was listed anywhere on letters. I suspected the letters to be fraudulently applied for two reasons one I never applied for an application for any Barclays card or any frontier airline Credit card second the letter was addressed to XXXX XXXX, this was my maiden name and not used since over 35 years ago. I looked up XXXX XXXX XXXX XXXX online to obtain phone number listed as XXXX. The first person I spoke with said that I had to call the fraud team and direct me to the second number fraud team XXXX. I explained my concerns they listen to my concerns asked my last four digits of Social Security number and date of birth. This person stated that I had to speak with the fraud security department which was different than the fraud team. I was directed to call XXXX I spoke with a woman name XXXX asked last XXXX digits of ss #, XXXX. I asked if it would help to give her the application numbers to see if there were any accounts open in my name she took the numbers came back to the line and said there were no accounts associated with these application numbers or in my name. She then said that this call needed to be Transferred to the customer security extreme high risk department put me on hold for several minutes and transferred To another representative XXXX XXXX she also asked for the last four digits of my Social Security number and date of birth. I again asked XXXX XXXX if she would like the application numbers listed on the letter. She said she needed to put me on hold looked them up and was back after several minutes. When she came back to the line she said that there was a account open with application number XXXX and everything was fine because she labeled it as fraud I asked about the second letter application number XXXX and she stumbled with her words stating No there were no account connected with that # .was while I was speaking with her that I started to suspect this was a case of fraud it seem to me she was trying to hurry me off and just directed me to report to the credit bureau I had to interrupt her over talking to me to request that she look up the application number noted on the letter.
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| 12/17/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX XXXX.
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
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| 06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I disputed all late fees and interest charge for XXXX XXXX XXXX by Barclays US which was reversed back in XXXX and my account had overpayment of {$75.00} balance ( surplus ), which they sent me check for later. BR/Barclays US put a delinquency/late payment history on my credit report and did not remove it. I disputed the report with XXXX and upon providing screenshot and uploading the statement records showing that all fees have been reversed as such the report need to be corrected. However, XXXX still did not remove or correct the delinquency, despite disputing multiple times, and as per their statements, XXXX XXXX refuse fix or correct the delinquency/late payment history, provided that all fees has been reversed. I have contacted Barclays customer service line in XX/XX/XXXX, XX/XX/XXXX to fix these and again XX/XX/XXXX XXXX EST to XXXX EST to inform them of the issues. However, they refused to help or resolve these issues. XXXX the account manager refused to even answer/admit fees were reversed, and when I pressed him further he did so unwillingly. Then, I requested his title and his name correctly, he refused to provide those information and then put me on SILENT and eventually hanged up thereafter. This seems to be a new pandemic systematic tactic being used by Credit Card company to adversely undermine consumer credit scores and then charge higher interest rates and late fees on the account. Upon doing so, they make it nearly impossible to difficult to fix or correct the problem causing severe XXXX, XXXX and mental health issue.
I called XXXX XX/XX/XXXX at XXXX XXXX EST. spoke to experian rep XXXX and as per our conversation, the rep stated that BARCLAYS BANK continue to provide them with the old information and not the most current which showed or shows statement of all fees being reversed. The rep also went further stating that BARCLAYS BANK has done this several times upon disputes and she will once again put in another dispute with Barclays to fix this issue.
XXXX STATEMENT : Report Number XXXX XXXX XXXX REP XXXX ....
We are responding to your request to verify item ( s ) on your personal credit report. We have previously processed this dispute and the credit grantor has verified its accuracy. Please refer to the personal credit report you received for the name, address, and phone number ( if available ), of the credit grantor who verified this information.
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| 08/14/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Through my interaction with Barclay Bank over the last several years, it is in my opinion that this bank fails to conduct business in professional and ethical manner.
Latest unresolved problem : I had received kitchen cabinets that were damaged and had errors in the order that were charged on my credit card in XX/XX/XXXX and XX/XX/XXXX. When the merchant wasn't responsive to resolve, I disputed the two charges on my credit card, XXXX Visa by Barclay Bank. My first being, they failed to register my dispute and charge back until months later ( XX/XX/XXXX ) when I followed up. The merchant noticing this charge back months after deliver of the cabinets filed a police report. Even though not resolved, I wasn't willing to turn a civil case into a criminal one and I removed the dispute in XX/XX/XXXX. I was finally rebilled on XX/XX/XXXX ( {$2000.00} and {$830.00} ). The merchant claimed he was not credited and filed a mechanics lien on a housing co-op property where I live. I called multiple times and mailed a letter asking for proof the merchant was paid. I never received the letter that I was first asking for nor did I receive the details I requested. I requested what day and time was the merchant issued the payment, what manner of payment, and what merchant account was issued the credit. The matter is now urgent with 3rd party lawyers for the housing co-op involved that are threatening to hold me accountable for the legal fees if the mechanics lien is not removed within the next week. I tried to explain the urgency with multiple calls and with multiple representatives on XX/XX/XXXX to no avail. Instead, I get customer service representatives at Barclay Bank who laugh at me and give me a reprogrammed response. This is the norm, not the exception when dealing with Barclay Bank.
Also, please be aware that the number they have been recently providing on the XXXX XXXX XXXX is inaccurate. I called this number and it was for the hearing impaired, no stated connection to the company. Further evidence that they fail to function in a businesslike manner. See below : " We appreciate the time you took to speak with us regarding this matter. Should you have additional concerns, please feel free to contact us via phone at XXXX so that a member of our Office of the President can further assist you. Our hours of operation are XXXX XXXX to XXXX XXXX eastern time, Monday through Friday. ''
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| 03/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX, I purchased a {$2000.00} Camera on XXXX.
The camera was never delivered although tracking showed XXXX delivered the package to my front door.
There was no signature confirmation from me and I expected they required that for such a high ticket item.
I reached out to XXXX & the seller. The seller just stated that his tracking showed the item was delivered so he created a dispute within XXXX.
At that point I needed a camera so I called my credit card company to see what they could do. I told them that my tracking showed delivered through XXXX, but the item was not received. They told me not to worry about it and that they would issue a provisional credit and get it resolved.
A month later I received a call stating that my chargeback was denied and funds were withdrawn out of my account again. They stated XXXX presented sufficient evidence that item was received. When I received the details, all ebay sent was a tracking number stating that the item was delivered. That was the reason I called Barclays in the first place. From there I kept calling and the Barclay reps kept telling me to send in letters explaining the situation to try to re-open the case. After 3 letters they just kept telling me they couldn't re-open it. They told me I needed to handle it through XXXX XXXX XXXX. When I reached out to XXXX & XXXX they stated that since I opened a chargeback, their hands were tied. Had I kept the dispute with ebay open and avoided the chargeback, XXXX would have been able to take care of me as they require signature confirmation for anything over {$700.00}. I called Barclays back to explain the situation and how this could have been avoided had the Barclays rep told me initially that my claim would be denied if I had a tracking number which shows delivered. They gave me the same answer so I had it escalated to a supervisor. Days later a supervisor from Barclays called me back and I got her and XXXX on the phone together for a resolution. No resolution was met and ultimately both parties stated that there wasn't anything they could do. I feel that Barclays & their poor policies have stolen {$2000.00} from me. XXXX & XXXX at least were very upfront with their policies from the start, instead of trying to please the customer and then later taking back their word. This is a large amount of money and I am so upset that after almost 4 months, nothing is resolved.
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| 06/29/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
Servicemember |
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In XX/XX/XXXX, a friend of mine ( a fellow member of the XXXX XXXX XXXX ) told me about the amazing offers that Barclay Bank had for XXXX XXXX XXXX members. He told me if I applied for a LUXURYGold Card, I would receive 0 % APR, pay no annual fees, get airline credit, plus many more perks. I was thrilled with the idea of having a card with no APR and no annual fees, that way I could pay off years of credit card debt without incurring interest on that debt. I called Barclay to ask them about the card, and they told me they were proud to serve members of the military and that they did in fact offer 0 % APR credit cards with NO annual fees to XXXX XXXX service members for the entire duration of time the are on XXXX XXXX. The only condition was to supply the bank with a copy of my leave and earnings statement ( LES ) to prove I was XXXX XXXX. I applied for the card, and got accepted. The {$990.00} annual fee for the card was applied, but as soon as I sent them my LES, the refunded the amount. Fast forward to XX/XX/XXXX, while XXXX to XXXX XXXX, my wife begins receiving letters from LUXURY Card stating that because I applied for the card after I entered onto XXXX XXXX, the conditions of the service member 's civil relief ( SCRA ) act did not apply to me ; therefore, they were going to begin applying the {$990.00} annual fee, but still offer me 0 %. I never applied for the SCRA with this company, nor did I even know of the existence of the SCRA when I did apply for the LUXURY Card. All I was told by LUXURY Card when I applied was that they offered a credit card with 0 % APR and no annual fees to XXXX XXXX members of the XXXX for the entire time the serve on XXXX XXXX. I know many service members who have also applied for this card because of the unbeatable perks they offered to XXXX XXXX service members. Now Barclay Bank and LUXURY Card are apparently able to change the terms and conditions of their agreements without repercussions, and XXXX XXXX personnel have to pay the price. I feel like Barclay Bank and LUXURY Card have unfairly baited hundreds, if not thousands, of service members into applying for an unbelievable offer, only to turn around and start charging them their exorbitant annual fee. This practice is appalling. I plead for you to open an investigation into the matter for all XXXX XXXX service members who were swindled by Barclay Bank and LUXURY Card. Thank you.
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| 06/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
Older American |
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XXXX of XXXX I contacted Barclay 's Carnival Master Card points department to ascertain how much money toward a cruise my points equaled.
I was informed that my points were worth double the amount for a XXXX XXXX than any other cruise line.
After researching XXXX XXXX lines and not finding the cruise I wished to take, I contacted the points department again to see how much points equaled on a XXXX XXXX line cruise.
I was informed that I would receive the same as I would on a XXXXl XXXX and given the amount of {$4500.00} and some dollars.
I booked the cruise and took the cruise in XX/XX/XXXX.
When I attempted to redeem the points toward the cruise amount charged on the Barclays Mastercard, I was told I would only receive approximately {$2200.00}, not the {$4500.00} I had been promised.
I made several calls to the company ( and was placed on hold for several minutes, up to 45 minutes in one instance ) in an attempt to resolve the matter. Several times I was told that the recording of my call ( s ) would be listened to and that I would receive the credit amount promised to men by their representative.
After doing everything the company had asked, there was an " investigation '' that found that even though a review of the phone call they had recorded did indeed support my claim that I had been told I would receive the {$4500.00} in credit, they were not going to award me that amount.
I asked for an appeal. The company representative and I also agreed that I would not be charged interest or late fees on the disputed amount.
After a couple of months, the company did put delinquencies on my account for several months for the disputed amount. I realized this when I noticed that my credit rating had dropped precipitously from over 800 points to as low as XXXX I spoke to the company and late charges and interest were removed but not the delinquencies.
Now, I am applying for a mortgage and my credit report shows serious delinquencies which may affect the mortgage interest rate I am able to get.
So, not only did I not get the entire credit amount that had been promised me prior to the cruise, I had my credit score demolished despite the company having a recording of every conversation I had with them which verified that I had been promised a points credit of {$4500.00}.
I want the erroneous charge of serious delinquencies removed from my credit report.
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| 04/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX me and other 500 clients were scammed by XXXX XXXX XXXX XXXX XXXX. They promised to render services as of the date the purchase and contract was made, they never did. The services were for them to open up my XXXX business, administer my business, and file any other paperwork on my behalf and they would also get paid 30 % from my earnings. My XXXX business was opened until XX/XX/XXXX and I did all the filing they never helped me with none of that. They only provided brief information on what I had to do to open my XXXX. Their service fee was XXXX plus XXXX to a " lender '' who told me I he would help me get approved by credit card companies. This lender by the name of XXXX XXXX and XXXX from XXXX worked with the XXXX to get people approved within 30 to 45 min. Later on I found out they were also charging these fees to get extra money from customers. I got approved for XXXX {$11000.00}, XXXX {$10000.00}, XXXX XXXX Bank {$5000.00}, and Barclays {$4000.00}. My XXXX business was only up from XX/XX/XXXX till XX/XX/XXXX I notified my cards after I saw that my business was put on vacation mode for far too long with no explanation. I later found out by another client that the 4 owner/managers of the dropshipperz were suing each other. XXXX who was in charge of managing all orders for each store had stolen our personal information as well as card information. Later on XXXX, one of the owners posted on a XXXX group what was going on between them. He only put out that all stores would be put on hold. Most of the clients and myself did the buy back provision before the deadline and never received our money back. I only got the response from XXXX saying he could not sign the document to give back my money because he didn't have anything, to speak to his lawyer. He later on explained that they were suing XXXX to get all customers paid for since he had been stealing all the funds. I provided all information that the credit cards needed from me and made a dispute and they told me they could not help me since it had been more than the 60 days. I understand its more than the 60 days but these people promised me and signed contract which they fail to fulfill. As to what I understand these four credit card companies were contacted by them so I could get approved. I do not have the funds to keep paying for a debt that I got scammed and never had full service rendered to me.
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| 01/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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This is involving my credit card account with Barclays Bank.
My XXXX statement was released on XX/XX/XXXX for the period between XX/XX/XXXX - XX/XX/XXXX The statement started with a {$0.00} balance, I pay the card off in full every month, and I made {$500.00} in purchases during the XXXX statement period. The full amount due was {$500.00} and the payment due date was XX/XX/XXXX.
I made a payment in the amount of {$500.00} on XX/XX/XXXX. That payment was reversed the same day due to insufficient funds in my bank, and the payment was resubmitted and successfully went through XX/XX/XXXX.
An interest charge of {$0.00} was added to my account on XX/XX/XXXX, after initial payment was reversed. However, because the the payment wasn't due until XX/XX/XXXX, there was never any " Balance Subject to Interest '' in my account at any point and interest should not have been charged.
On XX/XX/XXXX I spoke to a customer service representative about this interest charge, who said that the interest had been assessed correctly, but that she would add a " credit '' to my account in the amount of {$0.00}.
On XX/XX/XXXX, this credit had not posted to my account. I spoke to three customer service representatives who did not acknowledge the error and also said that interest had been assessed correctly. They did not see a credit added to my account, but added the credit again, which I saw successfully posted. I requested a callback from a supervisor at Barclays to address the initial error.
On XX/XX/XXXX, I received a callback from a customer service representative who initially refused to acknowledge that an error had been made. After 20 minutes, she put me on hold to look into my account again, and said that the interest charge was a result of a " banking error '' On XX/XX/XXXX, I reviewed my monthly statement for the XXXX period and saw that it reflected a " Purchase Interest Charge '' of {$0.00} with an " Interest Charge Adjustment '' ( made manually, after multiple phone calls ) of - {$0.00}.
On XX/XX/XXXX, I called customer service to get confirmation that their banking error had been fixed and that I would not be impacted again. The representative told me that it was not a banking error, and that I was properly charged interest. No notes had been made in my file that a banking error occurred, or that there was any action taken to address the error in Barclay 's system.
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| 08/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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Four fraudulent transactions totaling XXXX posted to my account in XXXX. I was not alerted to three, and they cleared right away. I received a text alert for the fourth and discovered the others ( for XXXX, XXXX and XXXX, all to the same company ) when I opened my online account. I reported all four immediately. Within the next few days Barclays reversed the charges twice. When I tried to pay my XXXX legitimate charges of XXXX, I could not because the card had been stopped, and the erroneous credit wiped out the legitimate purchases. I tried to pay what I knew I owed online and was repeatedly denied. Over the next few weeks I made dozens of phone calls, some of which were dropped by the representative, others that made me wait over an hour for a representative to pick up, to try to pay my bill and get the duplicate credit removed. Barclays solution was to offer me a check refund of the remaining credit which I agreed to and put in escrow. Meanwhile I could not pay my {$120.00} XXXX bill as well. I was unable to pay anything until the XXXX bill, when I paid the few charges I made after receiving my new card. In XXXX the fraudulent charges reappeared. Although no representatives have been able to explain why themselves, after several more calls I figured out that Barclays is trying to claw back the legitimate purchases that were wiped out by their erroneous credit and the amount of the refund check. I asked for an accurate bill reflecting this so that I would not be paying the fraudulent charges. Today I received a letter referencing my " credit report dispute '' and that Barclays is amending their report to credit agencies. I have no idea what is in my credit report and never disputed it. I just want an accurate bill and I do not want to pay fraudulent charges that Barclays already acknowledged I do not owe. Today I mailed Barclays three separate checks, for the two months activity I legitimately owe, and for the escrow amount, which they should receive well before the XXXX due date. I always pay my bills in full. I have closed the account. I fear how Barclays handles fraud. I was not timely alerted to significant fraud ; after my reporting Barclays wrongly credited me disabling my ability to pay my bill ; apparently Barclays then made a negative report to credit agencies ; and to date Barclays still does not acknowledge the mistakes they made and what I truly owe.
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| 10/28/2019 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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BARCLAYS BANK DELAWARE/ CHARGEOFF Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : house of XXXX ).
1. Validation of the debt ( i.e. the actual accounting showing real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.
Notice Period I hereby give you 10 ( ten ) days from the date of this notice to reply to it with a Notice, sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Notice of Terms Your said failure to provide the aforementioned documentation within the said ten days to validate the debt, will be taken to constitute your agreement by acquiescence to the following terms : 1. That the debt is in fact either invalid, did not exist in the first place or has already been settled in full.
2. That for any damages I suffer you will be held culpable 3. That any negative verbal or written remarks made to a credit reference agency will be removed.
4. That estoppel results, ( meaning that you can not and will no longer pursue this matter any further ).
Accordingly, the minimum you must do in order to carry on a lawful and honourable dialogue in this matter is to reply appropriately in some way within the ten-day period. Should some such reply not be received within this time you may as courtesy be sent a further and final notice confirming that the status of the alleged debt is as stated in the paragraph immediately above this one, although this is not lawfully required. BARCLAYS BANK DELAWARE are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
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| 08/07/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I made a purchase on XX/XX/2019 on a Barclay 's Wyndham Rewards Visa Signature Card for {$190.00} at a website using XXXX with the credit card as the payment method through XXXX. The charge was reflected on my credit card account as of XX/XX/XXXX. On XX/XX/XXXX, after being unable to contact the seller and having not received the item ordered, I reported the fraudulent seller to XXXX. XXXX 's practice is to contact the seller and ask the seller for proof the item was delivered. The seller provided XXXX with a XXXX tracking number showing that something was delivered to a location located in my town. XXXX 's policy is to deny a fraud claim if a seller provides a valid tracking number. XXXX denied my claim on XX/XX/XXXX. As I never received the item and was still unable to contact the seller, I disputed the transaction with my credit card company on XX/XX/XXXX. On XX/XX/2019, I received in the mail a letter from Barclays denying my fraud dispute claim based on the information given to them by XXXX. The letter stated that if I disagreed with the result, I could reassert the dispute within 10 days. I reasserted the dispute via Fax letter to Barclays on XX/XX/2019, which was within the required 10-day period. In the reassertion that I submitted to XXXX, I included documentation provided by XXXX to show that the tracking number was not valid. I then received a letter dated XX/XX/2019 from Barclays acknowledging that I provided information about the fraudulent XXXX tracking number ; however, Barclays stated that they could not resolve my dispute because it was " past time per Visa ruling. '' Upon subsequent calls to Barclays, I was verbally advised that the Visa ruling time is 60 days.
I provided the proof of fraud within the prescribed periods required by Barclays and within the apparent " 60-day Visa rule. '' It was only due to Barclays delay in responding to the dispute that it was beyond this alleged 60-day required time period.
I have since made numerous calls to the Barclays fraud department to discuss this issue. Some representative have been outright rude. Others have promised follow-up and call backs from management. However, I have yet to receive any such follow-up or call back. In fact, when repeatedly requesting to speak to a manager or supervisor, I am told that no one is available and that my only recourse is to wait for a call back that never occurs.
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| 01/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I received a follow up call from XXXX on XX/XX/XXXX from the office of the president. XXXX did not offer a resolve to the intentional reporting of incorrect information and advised me to do another complaint with the information I now have to be attached to my previous complaint.
My account STATEMENT always reflected a positive amount as a credit and not a debit. I now understand that the STATEMENT that is mailed or electronically delivered every month which gives an ACCOUNT SUMMARY as indicated on the bond portion of the payment coupon, is actually a dividend payment ( book entry security ) from securitizing my account through BARCLAYS BANK DELAWARE, to BARCLAYS XXXX XXXX XXXX, to BARCLAYS XXXX XXXX TRUST, XXXX XXXX XXXX XXXX as indenture trustee and BARCLAYS XXXX XXXX, the underwriter. It was not a BILL for me.
The monthly BILL, STATEMENT that was mailed via PRESORTED first-class mail or emailed and presented to me as if I owed money, was actually a security and obligation of the issuer, BARCLAYS XXXX XXXX TRUST from BARCLAYS BANK DELAWARE , the servicer and repurchasing party, BARCLAYS XXXX XXXX XXXX XXXX XXXX and another repurchasing party and XXXX XXXX XXXX XXXX XXXX XXXX trustee and securities intermediary.
I was never late as the true obligation was BARCLAYS XXXXXXXX XXXX XXXX per the indenture agreement. I was actually defrauded out of securities and payments that were owed to me. The BOND portion of the STATEMENT which is actually a BOOK ENTRY security, should've been credited to me and the top portion processed properly through the bank, settling my account every month, for the full available credit ( allocated amount ) to be used again following Generally Accepted Accounting Principles.
I am aware that there are two sides to the ledger. I am aware that there is a public side and a private side for every account that I have had with BARCLAYS BANK DELAWARE. I am also aware that although my account was closed on the public side, my account was and is still open on the private side being securitized.
Not only have intentional violations of the Truth in Lending Act, the Fair Credit Billing Act, the Credit Card Accountability, Responsibility and Disclosure Act of 2009, the Electronic Funds Transfer Act, The Federal Trade Commision Act, the Securities Exchange act of 1934, the Trust Indenture Act of 1939 taken place, but securities fraud as well.
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| 04/24/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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I was injured at work. On XX/XX/XXXX i received a letter from New York state saying they made a determination as of XX/XX/XXXX they felt i was still unable to return to work. My credit card was due on XX/XX/XXXX , in an effort to be proactive before i was late on my payment I called barclays bank on XX/XX/XXXX at approx. XXXX XXXX ( i have all calls recorded to and from the bank if you require copies ) and told them my situation that i waas unemployed, currently recieving public assistance and awaiting a disability hearing from social security and would be unable to make my payment. I was told that they would be able to help me but i had to call back after my account was late becuase nothing could be done if my account was current.
So i called back on XX/XX/XXXX at approx XXXX XXXX ( recorded ), the day after my payment was due, this time i was told yes they could help me but not until my account was at least 30 days late and that i should call back at that time.
On XX/XX/XXXX i was looking over my accounts and noticed that my barclays card was now listed as being late and a late fee was applied. So i called back that day at approx. XXXX XXXX ( recorded ), and after going over everything on the phone with them again only to be told " sorry theres nothing we can do to help you, good luck with your disability case '' so i contacted to office of the president at barclays bank on XX/XX/XXXX a woman called back from that office on XX/XX/XXXX and told me they absolutely could help me and put m on the phone with another rep. I again went through everything with them again only to be told sorry theres nothing that can be done.
I was illegally deceived under false pretenses into allowing my accounts to become late and these people refuse to do anything about.I am XXXX and unable to work, my life savings has been drained my 401k has been drained i have lost my home my cars and everything i worked for due to my injuries and the entire time still managed to keep my credit cards current until now, as i explained theres nothing left, these people used deceitful tactics to get me to allow my cards to go late with them, knowing hey would do nothing to try to help me, and now almost every day i get emails from them stating " your account is past due call us we have many options to help you get back on track '' Something needs to be done about this.
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| 11/14/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, WA XXXX XX/XX/XXXXBarclay Card- Executive Office XXXX XXXX XXXX XXXX , DE XXXX Greetings : In early XX/XX/XXXX, I signed a contract with a company called XXXX to purchase equipment that was difficult to obtain. They would add money to my Barclay Card visa account, and I could use that money to make purchases and send them away. On that basis, I agreed to make the purchases for XXXX and send them off. I was given a XXXX XXXX business account number of XXXX with the name XXXX. From that account, money was added to my Barclay Card in the amount of {$20000.00} on XX/XX/XXXXand I checked online and was assured the money was there. I then made purchases and sent them off. Money in the amount of {$16000.00} was added on XX/XX/XXXXand again I made purchases and sent them off. On XX/XX/XXXX, the first two of these payments were reversed, leaving me stuck. I feared that the second would be reversed and called Barclay Card asking for them not to let that happen, but even so it was reversed posting XX/XX/XXXX
I believe that Barclay Card has some responsibility here. I know that checks that are cashed then bounce later, but I did not know that money could be transferred online from a valid account with sufficient funds and then reversed many days later without a court action. Ill bet this happens many, many times. I believe this makes both XXXX XXXX and Barclay complicit in fraud, as I believe that this been happening in this way for a long time. I had someone check and literally hundreds of packages are sent daily to the address I shipped packages to, and I believe all of them are shipped by people like myself who are paid to a Barclay account that allows the account to stop payment many days later, thus helping fraud happen. Had I known that it was possible for this payment from a XXXX XXXX account to a Barclay account to be stopped in this way, I would not have made and sent those purchases.
It should not be possible for someone to reverse a payment after many days simply by pushing a button. Commerce in the US would stop! Anyone stopping a payment should need to get a court order to do so. I think Barclay should have some kind of system set up to investigate when this happens often. By allowing many, many of these kinds of reversals without a court action, XXXX XXXX and Barclay are complicit in allowing this kind of fraud to happen.
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| 08/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Delay in processing application
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Web |
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I applied for the XXXX XXXX XXXX XXXX Card back in XXXX or XX/XX/2023. I was originally sent a letter stating I needed to mail in front and back of my Drivers License, Social Security Card with signature and a current utility bill. The only option in the letter was to mail this information in. After spending money to buy an envelope and a stamp i sent the information in 2 weeks later. I received another email after asking for the same information again. There is no number contained on the letter to even call and talk to someone to understand why I would need to send the information back in. I XXXX and found a number for a customer service department and was finally able to reach someone and was told my information was cut off and I would need to send it in again. I then asked if there was another method of delivery as I had already spent more money than expected buying a large envelope and stamps. I was provided a fax number as the only other option. Once I had access to a fax number I resent the information, probably 4 weeks after initial application. I had not heard a response and 2 weeks later I called in again and was told I needed to speak to someone in fraud department to clear the application. At no point did Barclay 's try to reach out to me to clear anything. I spent time on the phone where an associate called me on a separate line to ask me some security questions and clear my application. I was told that the application would be approved once another department finished clearing. I then waited another 2-3 weeks and called in again after not hearing anything about my application. I had to go through the fraud department calling me on a separate line again and me answering security questions. I was told my application was being approved and I would receive a card in the mail within 14 days. More than 2 weeks past and I had not received a card. I called in one final time and asked for a Manager. I was told they could not approve my application because it had been more than 90 days and my credit report had expired. This manager then offered me to apply again and told me they now have all of my documents on file. I then confirmed that would require pulling a new credit bureau report which could negatively impact my credit score for an error on their end. She did not offer any other alternatives other than going through the application process again.
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| 12/12/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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I booked 2 airline tickets on XXXX, paid in full at the time of the purchase. They showed up on my XXXX XXXX Visa credit card statement as XXXX separate transactions, both under the name " XXXX '' ( this is the name of the airline carrier ). Both are dated XX/XX/2018 for {$720.00} each.
I specifically increased the credit limit on my card and purchased through XXXX because of the rewards offer. Without the rewards, I would have gone through a different vendor and credit card. Using the XXXX XX/XX/XXXX visa cost me trip protection that would otherwise have been provided by a different credit card company and resulted in a higher dollar total for the transaction.
Barclay 's XXXX XXXX Visa reward rules state : Earning Points - You earn points for purchases less credits, returns and adjustments ( Net Purchases ) made by you and/or any authorized user of the Account as follows : You earn 5 points for every {$1.00} spent on eligible Net Purchases made at XXXX. Eligible purchases include : cruises ( as defined by the merchant category code ), Name Your Own Price, Express Deals and Pay Now bookings, as well as purchases of Trip Protection products, made on XXXX. A Pay Now booking is any booking that requires payment at the time of booking. For more information on Name Your Own Price, Express Deals, and Trip Protection, please see XXXX. ( see https : //www.barclaycardus.comXX/XX/rewardsHub?earningRewards= ) My purchase met all of the requirements outlined by Barclay 's to be a qualifying purchase. I should get 5 points per dollar for these charges. However, Barclays has only provided me with 1 point per dollar. The missing points are worth over {$57.00}.
Barclay 's claims that the transaction is not a qualifying purchase, however it clearly is. XXXX had mentioned something about the " merchant of record ''. My receipt is from XXXX, so they should be considered the merchant of record. XXXX 's version of the rules would be misleading at best, since there is no apparent difference between purchasing hotel reservations ( which qualify for rewards ) and airline tickets ( which at the moment appear not to ). In any case, when I contacted XXXX about the situation, they denied any responsibility, claiming that my agreement is with Barclay 's and not with XXXX ( I would tend to agree ).
Barclay 's, please give me the reward points I am due, or else the cash value.
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| 09/29/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American, Servicemember |
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Recently my XXXX XXXX VISA account was purchase by Barclays MasterCard which now holds all the records for the account. I believe they also have the authority to withdraw my monthly charges from my bank account. When I received my new Master Card XX/XX/2021, I activated it and visited their website to check on my account. I found that there were two recent charges made to my VISA account now showing on the new Master Card account from a merchant named XXXX XXXX : XX/XX/2021 - {$150.00} XX/XX/2021 - {$170.00} I attempted to contact the customer service number listed on the Barclays Mastercard, XXXX, the same day but was left on hold until the battery on my phone died, over 1 hour. Later the same day I found a way to lodge a dispute on their website which I did, but to date, have had no acknowledgement from them so I continued to try to reach them by phone but never got past their recording that a " relationship manager '' would be right with me.
I was able to e-mail the merchant involved, XXXX, which immediately acknowledged my complaint, advised me that another charge had been made on the account on XX/XX/XXXX, for {$17000.00} and offered to refund the unauthorized charges if i could not get the credit card company to reverse them so I continued to attempt to make contact with Barclays Master Card on a daily basis. Finally on Saturday, XX/XX/XXXX, after holding for another 45 minutes, a relationship manager, XXXX, took my call. After reviewing my account, she seemed to understand which three charges were unauthorized and agreed to void the new Master Card account, open a new one dropping the fraudulent charges, adding three authorized charges, and send me a card for the new account. Received the new card on Monday, XX/XX/XXXX, but according to their website the unauthorized charges had not been dropped although the charge from XX/XX/XXXX, XXXX have been reversed. I have not activated the card. On XX/XX/XXXX, I receive a paper statement indicating that I must pay the {$570.00} dollar balance by XX/XX/XXXX. Of that total {$510.00} of the charges were unauthorized.
Yesterday, using Barclays online service, I updated my claim regarding the unauthorized charges including the one from XX/XX/XXXX. I have still received no acknowledgment from the of either of the claims.
While writing this claim I have been on hold with Barclays for another 45 minutes.
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| 05/31/2016 |
Yes |
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Web |
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My credit card account was closed abruptly and I called the bank but they did not have any information to provide other than saying a letter has been sent on XXXX XXXX but that does not help me.
For this card I pay an annual fee and I have lots of rewards associated with this credit card account. I have always paid on time actually paid mostly ahead of time and If Barclay wanted to end relationship they should have informed me ahead of time so I would have moved to another company. I have followed every policy and Barclay by ending abruptly is gaining more than XXXX $ in rewards which they have refused to give me back as they claim that can be redeemed only when account is open, but the account was closed by Barclay not me so they taking my rewards is not a fair for me. I choose to use Barclay for my purchases only for the rewards otherwise I would have moved to XXXX XXXX or XXXX etc.
I believe Barclay has scammed many customers like this as I see this is a pattern of behavior exhibited by Barclay. The only reason I was with Barclay was for the rewards as I do have high spending purchases and it makes sense for me to get the best cash back in term of rewards for my purchases which help offset my cost. I have more than {$3000.00} spent on travel and could have easily redeemed the {$600.00} rewards had they provided me a notice for their intent to break the relationship. I spoke to a supervisor XXXX from Barclays and she mentioned that they are unable to help as account is closed and there is no much she could do. Barclay did not attempt to call me or even inform me of this, I happened to know that my account was closed when I had logged in to their website. I also want to clearly state my account does not have any disputes charges every purchased are verified purchase and authorized purchases. With Barclay holding my rewards it puts me at a tough spot as I am not willing to sacrifice my rewards for a scam bank like Barclay. I am reaching out to seek your help me get back my rewards and annual fee of {$89.00} back for the mistake done by Barclays and also put an advisory to consumers on how these companies are scamming individuals. The total miles that barclay did not credit me was close to XXXX miles including the 10 % which I would have got back for redeeming towards my travel purchases. i would like to see {$680.00} posted as credit to my account.
|
| 09/07/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
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Barclay Complaint XX/XX/XXXX To Whom It May Concern : On XX/XX/XXXX, I clicked on a 0 % APR offer from XX/XX/XXXX - XX/XX/XXXX. I took a screenshot of me clicking on the offer. On XX/XX/XXXX, I called Barclay customer service to make sure I was enrolled in the offer. The representative told me that I was not enrolled but she could verify that I was on the website at the date and time that I said I was on. She said she created a case number # XXXX. When I called back on XX/XX/XXXX, I was told that a decision had not been made as to whether the Company would honor the offer or not. I was also told by a manager that the case number mentioned before was submitted incorrectly. I just wanted to cancel the card after all this. The manager I spoke with on XX/XX/XXXX assured me that she would make sure I get 0 % from XX/XX/XXXX TO THE DATE THAT A DECISION WAS MADE TO HONOR. She told me she would make sure I got 0 % until somebody decided yes or no. Fast forward to XX/XX/XXXX when I call again to check the status. The customer service rep told me a decision of NO was made on XX/XX/XXXX. I never received a notification of this and then was transferred to a manager who confirmed that there is nothing showing that I was notified. I then asked him if it showed that the manager on XX/XX/XXXX told me that I would get 0 % until I was notified. He did confirm he saw that note but proceeded to tell me that he isnt sure if Barclay can actually honor that. He told me he would waive the interest for the bill due XX/XX/XXXX. But then what? I was ready to cancel my card on XX/XX/XXXX but kept it since I was assured, I would have the 0 % until a decision was made and I was notified. At an unprecedented time when people are suffering financially, other companies are providing help and giving appreciation credits. See the screenshot attached. Barclay decided to lie to me, get me to spend money based on false promises and now I am a newly single mother of XXXX XXXX and have to deal with the immense stress this has caused me. No Company should be allowed to lie and then pull a bait and switch move like this especially at a time like this. Barclays actions are disgusting and so very unethical. I hope this can reach somebody that can look into this matter as the customer service I have received has been dreadful. The new case number for this is now : XXXX.
Thank you, XXXX XXXX
|
| 10/09/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
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|
Web |
Servicemember |
|
I am a XXXX XXXX XXXX veteran living on a fixed income. In XXXX of this year I was notified that I am very sick, the process of finding out was was actually going on has become overwhelming, thus I consulted a Chapter XXXX Bankruptcy Attorney thinking that the only choice I had was to file a Chapter XXXX. During my consult the attorney asked me if this was really what I wanted to do and I said of course not but what other choices do I have. The attorney gave me another option DMP this would reduce the interest and also the monthly payments due. I wanted to pay everyone who I owed so I did the DMP plan it was only long enough for the to contact all 20 of my creditors and notify them of both my hardship and get a reduced rate of interest and a lower payment the DMP was paid to negotiate and actually made payments for 1 month. The DMP plan ended and all 20 accounts were in agreement that they would still honor my lower interest rate and monthly payments so long as they continued to received the agreed upon payment. Again they would prefer to get their money rather than get nothing at all and my medical hardship still existed, the credit cards were all cancelled under this agreement and I am OK with that. All of the 20 kept their promise to honor my hardship except for one that was Barclaycard who I have more than once submitted complaints to you on, seems they feel that they are separated from the other 19 accounts I have. Long story short as attached history sheets will show they agreed to the reduced interest and payment on X/XX/17 and they then jumped on an opportunity to switch it back from the agreed upon interest rate of 5.90 % and XXXX payment back to the old rate of 23.99 % and they increased the payment to XXXX this is just not right in any way My medical condition has not changed nor have the incoming bills and being on a fixed income I have no room after making agreements with my other 19 accounts to differ in any way. Should Barclaycard not have to honor their agreement for the reduced interest rate and payment. I have done as I promised and paid as agreed and they did cancel the card that 's fine I do n't want it anyway but I do want what they promised me otherwise no matter what the outcome I did not file a Chapter XXXX it apparently is about the money which I have no problem applying what would have been their payment to other accounts.
|
| 07/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Servicemember |
|
I have had a XXXX through Barclays for approximately 15 years. My wife got a second card on the account for her use. On or about XX/XX/XXXX, she was notified her card was being used to purchase a computer. She notified XXXX through whom the computer was being purchased and XXXX indicating it was not her making the purchase. They said they canceled the purchase. Unfortunately, it was sent out the following day. Some imposter received the computer in XXXX SC. We fought with them about the fact it was fraudulent. XXXX had sold a computer at my wife 's expense. XXXX was receiving monies for providing the money to pay for the computer. Eventually, XXXX deduced it was in fact fraud. They took the computer off her bill and notified her they had taken it off of her bill.
In the interim, XXXX had transferred the fraudulent computer purchase to my card in XXXX. I refused to pay it because it was not only a fraudulent purchase, it was not made with my card. XXXX would not take the computer off of my card. I refused to pay it. I attempted to contact them. They disregarded me. They hung up on me. They transferred me directly to collections so they could continue attempting to extort me with the purchase THEY had put on my card.
I was attempting to purchase a building to be my office due to the sale of the place I rent. I attempted to borrow {$64000.00} on a {$100000.00} house. The XXXX XXXX of the bank called me to tell me I had been refused financing because my XXXX XXXX was XXXX. It had been XXXX. Thus, I was unable to get my building due to the defamation of the credit card company.
They finally took the fraudulent purchase off my card in XXXX. They did not take the interest off. They did not take the fees associated with not paying for the fraudulently purchased computer. Now, they have canceled my card ( I only learned that due to my call to the credit card company again today. ). They have refused to make the situation right and I have been crippled by a fraudulent purchase they have put on my card! They knew it was fraud yet put it on my card. Essentially, XXXX made a fraudulent purchase of a computer on my credit card. That is a breach of their fiduciary duty to me. That is a fraudulent purchase. That is defamation. That is blackmail/extortion ( putting fees on my card and forcing me to pay them or get crushed by my credit report. PLEASE HELP ME!
|
| 01/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XX/XX/XXXX I used my credit card to paid for gasoline in XXXX XXXX. The clerk said my card was declined. I paid with cash and left. Days later, I noticed there's a pending charge on my Barclay app for the gas station.
XX/XX/XXXX I called Barclay to dispute the charges. I faxed them the receipt saying my card was declined.
XX/XX/XXXX I received a documents from Barclay. There's a copy of the receipt from the gas station with a signature that was not mine.
XX/XX/XXXX I faxed Barclay at XXXX docs in response. I included the DBO case number in the fax cover and letter. I got a confirmation that the fax was successfully sent from XXXX. My statement was that the signature on the receipt is not mine. I included a sample of my handwriting and a copy of the driver 's license which has my signature. I indicated that the merchant 's receipts is time stamped XXXX and my declined receipt is time stamped XXXX. This meant the clerk ran my card twice and kept the first receipt. He then gave me the decline receipt. There's no other reasonable alternative as to how I received the second receipt less than one minute later, except that the clerk gave it to me as proof that my card was declined.
XX/XX/XXXX I called Barclay. They said there didn't get my fax. The rep verified the fax number and said to try again without the " XXXX '' and wait 24-48 hours. I sent the fax to XXXX. I got confirmation of successfully sent.
XX/XX/XXXX I called Barclay. Spoke with XXXX. She said they didn't get my fax. She said to try another fax number XXXX and to mail the documents in. I asked why they aren't getting the faxes, when the confirmations said the docs were successfully sent. She said to try the other fax number, wait 2-3 days, and if that doesn't work, they have another method.
XX/XX/XXXX I faxed the documents to XXXX and sent the docs certified XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX DE XXXX.
XX/XX/XXXX Having not heard anything from Barclay, I called and spoke with XXXX. She said I have to take the dispute to the merchant, because the merchant provided a signed receipt.
I am a victim of fraud, and I feel Barclay is trying to weasel their way out of this. Barclay is obligate to protect the consumer. If this doesn't work out, I will pursue this matter small claims court plus punitive, no question. Do the right thing Barclay. I have all my documents ready.
|
| 10/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
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In XXXX of this year, my wife and I visited XXXX, XXXX for our honeymoon. We stayed in a XXXX all-inclusive resort, and were asked if we would like to tour the property and receive a free breakfast and a gift certificate to the on-site spa. They said it was not a sales pitch, it was something that they offered guests who were interested. We agreed, and took part in the tour the first morning of our stay. The breakfast ended up being the normal buffet, which is always free anyway, which made us a bit suspicious. At the end of the tour, we were taken into a room to receive our spa certificate, and they began trying to sell us a vacation discount club membership. We declined multiple times. At this point, it had been five hours, even though they had told us the entire tour and breakfast would last for an hour total. After receiving multiple discount offers to join the club, we finally agreed, thinking we would simply cancel the membership once we were back from the trip. We were told there was a 30 day cancellation period. They then brought an XXXX with dozens of places that we were supposed to sign. The employee held onto the XXXX, and scrolled through it quickly, telling us to press a button in each spot they wanted our signatures. We both felt extremely uncomfortable and pressured throughout the experience, and were often unclear about what was happening due to the language barrier. We tried to stand up and leave three times and were stopped at the door and taken back to our seats each time. After returning to our home in Tennessee, we reviewed the login information we had been given and got online to cancel. At this point, we found that they had opened a credit card in our names at Barclays Bank, and had been charged {$2000.00} USD. We contacted every company involved, with the vacation club refusing to cancel our membership, and Barclays telling us that they would investigate. A couple of weeks later, we were contacted by Barclays, and were informed that we were required to cancel the membership within 5 days of signing, which we did not do ( again, we had been told 30 days ), and that they would not be cancelling the charge, and that we would continue to be charged monthly. We feel completely taken advantage of, have never used any of the " benefits '' of the club, and have been trying to get out of it since the very beginning. Please help!
|
| 12/11/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
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Web |
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I had a credit card for approx. 2 years. I asked if they had a short term plan with a lower interest because I wasn't sure how our income was going to be over the next few months, because of retirement. The customer service rep in order to qualify for the plan, you have to be in arrears. I told her it wouldn't work, because I've never missed a payment.She gave me more information along with my account would be close, but after the end of 12 months it would automatically be opened up & they would lower the interest over the 12 months also. I asked her to confirm that it would definitely reopen at the end of 12 months. She said " Yes ''. I told her again that " but I didn't have any late charges. She decided that if I wanted to get on the plan, she would basically see if the company would still put me on the plan. She told me she could put me on it! I was excited, but still continued to question about my great credit!! She just basically put me on it anyway. At the time, there was nothing said about why she was able to put me on the plan, except for it would still be reopen in 12 months. We were recorded, which is what I wanted anyway..plus, my husband also heard everything, because I had the rep on speaker phone, and I told her that he was sitting right by me & could hear everything that was said! I called the company in XXXX to find out my exact date in XXXX that my acct would be reopened, because I still made all my payments on time! That's when I found out that my account was not going to reopen & the rep that put me on the plan had made it look as if I missed a payment. Thank the XXXX that I have proof from my bank draft & paper work that shows & proves that I never missed a payment. I called several times, & found out they even put my account in COLLECTIONS!!!!!!!! Then, they sent me a letter stating they were raising my interest rate even more than the original interest rate & showed that my payment would be {$100.00} ... which would be approx. {$32.00} toward principal & almost {$70.00} per month of interest & on this {$100.00} would take me 8 years to pay it off. I still can't believe they did this!! This is the employee ID for this rep ( XXXX ) No one would give me her name, or no one at the company would even discuss why this was done, but the agreed that it was the wrong thing to do with my account!! This was recorded on XX/XX/2018.
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| 09/27/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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|
Web |
Older American |
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I've had the Barclays Visa Credit since XX/XX/XXXX with a excellent pay history until I was diagnosed with XXXX XXXX. My salary was cut in half which made difficult so contacted my creditors. Every creditor I had made reasonable arrangement with and sent a letter with the terms of the agreement. I successfully completed the payment plan without any derogatory information nor did they cancel the card. I contacted Barclays for assistance to help with me making my payment without them reporting past due information.
In XXXX, Barclays Credit Card/Bank agreed to place my account on a payment plan. My understanding with the information provided was for lower payments, credit card would be closed, no late fee without interest and report payments history from payment plan. They did lower the payments in the payment plan but interest was added and representative provided incorrect information. The incorrect information caused issues with the payment plan where Barclays canceled the plan without notifying me. Therefore, I continued to make payment plan amount each month then I received an credit monitoring alert notifying me of a derogatory information on my credit report. I called Barclays and was told the payment agreement wasn't completed as agreed so they canceled the plan. I disputed the item my credit report, filed a complaint with XXXX to remove the past due information. They stated something entirely different from what I initially agreed to and I tried to tell them what I was told. I requested the payment plan in writing but I got the round-around with vague answer and transferred from department to another. In XXXX, I borrowed the money from a relative to pay Barclays off because they were adding interest with {$10.00} going toward the principal. Therefore, it would have been XXXX before I completed a payment plan for {$1200.00} balance. Although assured me it would not affect my credit report because of the payment plan. Barclays did not tell the truth about payment plan especially the interest without derogatory information on my credit report. On XX/XX/XXXX, I was denied credit because of the Barclays 60 days past due item that shouldn't be there. When I disputed the 60 days past due, it came back saying it was 60 days past due. I was in a payment plan with the assurance only the payment plan history would be reported to credit bureaus.
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| 08/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
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Web |
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My name is XXXX XXXX. I am a new legal immigrant and I have had so much care about my credit score. Right now, I am in a tough situation with Barclay 's bank an unsolicited bank tied to a Jet Blue credit card. Being overseas, I was surprised that they sent to my XXXX card a balance transfer of {$1500.00} that I never requested. When I realized about it, I called to XXXX and Barclay 's requesting to revert this transaction. I don't know why XXXX instead to return {$1500.00} to Barclay 's, they deposited in my XXXX account {$1300.00} with no explanation. I though that it was the amount for selling my car. I came back to XXXX on XX/XX/XXXX and I was surprised with calls from Barclay 's asking for the {$1500.00}. In the meantime, I sent to Barclay 's two checks. One for {$700.00} paying my airline ticket and other purchases, putting the balance in zero. The other check was for {$810.00} that Barclay 's returned to me with another check, and my sister deposited in my XXXX bank account. I have asked to Barclay 's if you say that I owe you {$1500.00}, why you returned to me {$810.00} in a check? They did not answer me.
This morning, I received a call from Barclay 's Fraud investigation, and the woman who talked said that it was no fraud, because finally I received the money. So far now, that I unraveled the money between XXXX, XXXX and Barclay 's, I accept that this money that I never requested was in my bank account. Unfortunately, it is not longer there. However, it was a fraud of someone on Barclay 's who obligated me to get this debt. I have to return to XXXX next week and I want to solve this situation fairly. If Barclay 's is so desperately willing that I owe them money, it is okay. But the only way, that I can accept it is just a sum of {$1500.00}, no interests, no any kind of additional fees. They are charging me now {$1600.00}. As they wanted a balance transfer, it is Ok. Balance transfer are with 24 months no interests. I will pay the {$1500.00} in 24 months with no interests. Attached you can see all the letters sent to Barclay 's and they ignored me. Just today they called, because in the last letter, I copied to the credit card Bureau of disputes. Please help me to get solved this situation before my trip.
Sincerely, XXXX XXXX ( XXXX XXXX XXXX I authorized to talk with my sister XXXX XXXX, because my English is under construction.
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| 04/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I placed an ad on XXXX to hire a web developer. I was contacted via email by a person who claimed to be an employee of XXXX XXXX XXXX. He provided links to his supposed projects that he had worked on, along with social media accounts that he supposedly managed. We scheduled a call and he created an outline of items that he and his team would work on. They were to redesign my website, revamp my social media accounts, and take on an ongoing project for me. ( Ongoing project is a membership group for ladies that offers weekly workouts, monthly meal plans- needed a graphic designer to format the PDFs for me ).
He then created a quote, a timeline, and sent me a secure link to pay the deposit to get started. I paid {$4000.00} but felt uneasy about it for some reason. A few days went by and I hadn't received any information about next steps, so I contacted him and told him that I didn't like the process thus far and wanted a refund. He asked to give him until Monday ( XX/XX/14 ) to submit website mock ups to me. Again, something did not seem right, so I went to the XXXX site and initiated the online support chat. XXXX XXXX, a senior consultant for XXXX, answered the chat and I briefly told him what was going on. He told me that they had fired the person I was working with, XXXX XXXX, and that he has created a fake website - XXXX and has been stealing people 's money for some time now.
XXXX has been impersonating the company and even has a XXXX page offering web services. XXXX advised that I contact my credit card company and file a dispute. I filed the dispute along with 50+ pages of supporting evidence. During this process, XXXX XXXX offered to give me a 40 % partial refund. I only agreed because I figured that I could at least get some of my money back while waiting on the dispute decision. During this entire time, I received no goods or services. Absolutely nothing.
Barclay just contacted me to let me know that they're closing the case in favor of the merchant- which is not even a real company!! I had called several times during this process to get updates, and they would not provide any updates. I was almost always routed to a call center and the call center refused to transfer my call to a supervisor. I have been hung up on numerous times. Now I am out {$2600.00} and Barclay refuses to take any further action. This is outright theft.
|
| 01/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
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Without any notice or warning, on XX/XX/XXXX, Barclays closed both of my wife 's credit cards ( XXXX XXXX and XXXX ) and all three of my credit cards ( XXXX XXXX, XXXX and XXXX XXXX ). We only found out when I tried to make a {$0.00} purchase at XXXX, which was repeatedly rejected to my embarrassment. Only by logging onto my wife 's and my online account, did I discover the account closures. I promptly called Barclays customer service and was politely and apologetically told by the customer service agent that the accounts were closed due to our account usage, and that a letter would be forthcoming, but that the decision was irreversible and nothing could be done.
By way of background, with respect to the XXXX XXXX cards, my wife had paid an annual fee of {$99.00} on XX/XX/XXXX, and I had paid an annual fee of {$99.00} on XX/XX/XXXX. With respect to the XXXX cards, my wife had paid an annual fee of {$89.00} on XX/XX/XXXX, and I had paid an annual fee of {$89.00} on XX/XX/XXXX, in each case, just 11 days before closing our accounts!. Finally, with respect to the XXXX XXXX card, Barclays cancelled all XXXX of my rewards points. My wife and I had been saving these points to use, in part, for a free cruise for our 25th wedding anniversary in XXXX XXXX. The redemption value for these points is up to {$0.00} per point, valuing these points at {$16000.00}. My wife and had not previously used these points as we were waiting to redeem these rewards against the more expensive cruises to get the maximum redemption value. We were not interested in redeeming for less than {$0.00} per point.
My wife and I had Barclays cards for nearly 10 years. Most of the XXXX XXXX points had been accumulated over the past 2 to 3 years. During such time, Barclays increased the credit limits on many of our cards, encouraging us to spend more, and Barclays made a tremendous amount of transaction fees with respect to our spending transactions. Due to the account closures, Barclays had been unjustly enriched by ( i ) retaining our annual fees and ( ii ) by cancelling our XXXX XXXX points and depriving us the ability to redeem them for {$16000.00} in credit towards XXXX XXXX cruises. It is unjust and unreasonable for Barclays to permit us to use its cards, thereby generating substantial transaction fees, only to cancel our rewards point before we could redeem them.
|
| 10/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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Dear CFPB : I am writing to you because I have exhausted my options. I did not owe anything to this credit card company, they were charging for the annual membership fee and because they were sending the invoices to the wrong address, they put me down as being late.
Below is the letter I sent to XXXX XXXX XXXX from Barclays Bank Delaware she works in the office of the president.
I am requesting that negative information supplied to the credit reporting bureau be removed.
Background, I opened a credit card account with XXXX Bank in XX/XX/XXXX. The credit card has a high limit of {$10000.00}. However, I have not used the card or carried any balance in over 2 years.
Barclays was trying to collect an annual membership fee of {$89.00} from me and apparently was sending the information via email to my ex-wife.
XXXX was sending the bills to XXXX XXXX XXXX XXXX XXXX, CA XXXX and the email address was XXXX. Both the address and the email address belong to my ex-wife. I had sent a letter back in XX/XX/XXXX letting XXXX XXXX to update my contact information.
I have not lived at the XXXX XXXX XXXX XXXX XXXX CA XXXX address since XX/XX/XXXX. My address is XXXX XXXX XXXX XXXX XXXX Ca XXXX and my email address is XXXX I had no idea that XXXX was trying to collect an annual membership fee of {$89.00} since all the contact information that XXXX had was not correct.
I only became aware of the negative information because I subscribes to XXXX XXXX which sent me notification that XXXX was reporting negative information.
As soon as I found out about this issue I called XXXX paid the {$89.00} and updated XXXX with the correct home address and email address.
Prior to Barkleys reporting the negative information of a 30 day late in XX/XX/XXXX and a 60 day late in XX/XX/XXXX my fico scores ranged from XXXX XXXX. Because of the negative information my current fico score rage is between XXXX XXXX a drop of XXXX points. Up until this point, I had no negative reporting.
I'm in the process of refinancing one of my properties but can not do so because of this negative and incorrect information.
Please be aware that your direct actions is impeding my ability to refinance my property which will cost me hundreds of thousands of dollars in higher interest rates over the lifetime of his loan.
Please update the credit bureau to show no late payments.
|
| 02/25/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
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On XX/XX/20 I attended a Wyndham Vacation sales presentation. The time shares were more than I could afford, but the sales representative used aggressive sales techniques. He managed to sell me a 2 yr program with XXXX travel points. It was still something I could not afford, but the representative advised me that they had 2 companies that could possibly finance the amount upfront ( didn't disclose it would be credit cards or that it would be hard inquiries on my credit ). The representative assured me that I would be able to make payments as low as {$30.00} or {$80.00} dollars depending on which finance company approved me. I was approved for both, but I was not disclosed that the APR for both approvals would be 20 %. A few days later California along with most of the country shut down due to Covid. I called the company back in XX/XX/XXXX requesting to cancel the program as I had not used ANY points and had been making payments. I was advised that there was no need for that, that the company would extend the time. I called the company again today, and they told me that the extension for unused points is only 6 months. There is still traveling restrictions and its not safe to travel. I have been paying for the last year. I do not want a refund. I simply want to cancel this charge, I have not used any benefits, and the APR is too high. I truly believe that this service/ product was sold to me under pressure, and I was deceived by the actual amounts I would be paying. Not only were deceptive, and unfair techniques used at the time of sale, but it is abusive to the customer to refuse to cancel a product that can not be used in the near foreseeable future. I have a contract showing the APR I was told I would pay, notes from the sales man on how much my payments would be. I have tried reaching to both the merchant and the credit card company in regards to this. I filed a complaint with the merchant and I was told there was nothing they can do. I have tried contacting the credit card company, but each time I try to press an option to file a dispute the calls disconnects after an automated message states that my request can not be processed and I am unable to speak with anyone at the moment. Trying to pay a XXXX debt for something I can not use seems extremely unfair, after 1 yr of on-time payments, I still have a remaining balance of XXXX.
|
| 06/22/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
Servicemember |
|
On XX/XX/XXXX a balance transfer was initiated with XXXX XXXX credit card which is owned by Barclays Bank. A request was submitted to transfer {$3000.00} to a XXXX XXXX credit card account to take advantage of a zero percent interest offer made by Barclays Bank. The funds posted to the Barclays account as being transferred, but never made it to the XXXX XXXX account. An investigation was started at Barclays Bank on XX/XX/2019 ( Case # XXXX ). No corrections were made to the account and a second call was placed to Barclays on XX/XX/2019. Barclays advised they would escalate the investigation and gave the same case # as reference for their investigation. No corrections or contact has been made again, so a third contact was made on XX/XX/2019. The Operator on the call that day ( Oper ID # XXXX ) advised the case would again be escalated. When asked to speak with a supervisor the operator advised none were available to take the call. She also advised the issue would be resolved in 24-48 hours. Another call was made today ( XX/XX/2019 ) and still no resolution. Spoke with two separate supervisors ( XXXX and XXXX ). Between calls with them, contact was made with XXXX XXXX customer service to see if they could help in any way. XXXX XXXX requested information on what account number the transfer had been sent to, how the transfer was sent ( check or electronic transfer ), and the date when the transfer 'cleared '. The representative from Barclays ( XXXX ) was only able to say that the 'back office ' was handling this and to give them another 7-10 business days before calling back again. It is completely UNACCEPTABLE that Barclays Bank ( XXXX ) is unable to confirm where this money has been sent after more than 6 weeks and multiple calls to them. Also contacted XXXX XXXX again and they advised no investigation can be opened on their side to locate the funds even with the information gathered ( the transfer was electronic, it 'probably ' cleared on XX/XX/2019 - but this can't be confirmed because they won't look up the account number that Barclays shows the funds were transferred to ). Because funds are not in my account they will not open any investigation to find the funds and continued to refer me back to Barclays Bank.
Please advise what else can be done to fix this issue as neither bank is providing service to locate the missing funds!!
|
| 03/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
I bought a Telescope for {$76.00} from a company on the Internet called XXXX XXXX at XXXX XXXX EST on XX/XX/XXXX. My Barclays credit card was charged {$76.00} at XXXX XXXX on on XX/XX/XXXX. I asked them for a Tracking number and never received the Telescope or a Tracking Number. I disputed the charge with Barclays on XX/XX/XXXX. The last 4 digits of my credit card are XXXX. The Barclays Dispute no. is XXXX. I have called them every week to find out the outcome of my dispute. Barclays gave me a temporary credit of {$76.00} in XXXX, XXXX then removed the credit and charged me again. The name of the merchant is XXXX They sent documentation to Barclays that my Telescope shipped on XX/XX/XXXX via XXXX XXXX. The XXXX documentation shows that the Tracking number was XXXX. Barclays said that they charged my credit card when the merchant provided the valid Tracking number.
Barclays sent me the results of my dispute in a letter dated XX/XX/XXXX.
I went to the XXXX XXXX website. It said that Tracking number XXXX went into the US Postal System on XX/XX/XXXX. The XXXX documentation shows my correct home address which is XXXX XXXX XXXX, XXXX, VA XXXX.
I went to the XXXX, VA Post Office. A Supervisor looked up Tracking number XXXX. XXXX was delivered to XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/XXXX at XXXX XXXX. That is the wrong address. THE MERCHANT PUT THE WRONG SHIPPING ADDRESS ON MY ORDER. The USPS Supervisor gave me a copy of this in writing.
I called Barclays on XX/XX/XXXX with this evidence. They said for me to mail or fax it to them and they would immediately credit me {$76.00}. I faxed the USPS printout showing the wrong shipping address was on Tracking number XXXX on XX/XX/XXXX. They acknowledged that they have received the fax proving that the Telescope was shipped to The Wrong Shipping Address by the Merchant yet they have done nothing.
Nothing has happened. When I call them, I am put on hold for 45 minutes. When I do reach a person, all I get is XXXX Excuses. Please help me get my {$76.00} back. I called them yesterday, XX/XX/XXXX and was on hold for more than an hour and never reached anyone. I gave up. I called them today, XX/XX/XXXX and was on hold for more than an hour and never reached anyone. I gave up again.
THIS IS CONSUMER FRAUD. This has been going on for over 90 days. Please assist me. Thank you in advance.
|
| 08/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
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The purpose of this complaint is to express extreme dissatisfaction with work of Barclays banks /Dispute department/XXXX XXXX XXXX XXXX and the decision they made in the above referenced case /dispute XXXX. We are going to attach all the correspondence related to this case for your review.
In a few words- this case is very simple : it was much easier for your Dispute Department to award this case to the Merchant ( Hotel ), but that the reservation in question was cancelled due to natural disaster of world proportions, and as clients we should be protected by our credit card Agreement.
For someone who would review our letter / map attached it will be easy to understand that it was physical impossible for us to fulfill our reservation obligations and get to the hotel. We predicted this situation a week in advance, but in fact on XX/XX/XXXX the whole area was on a lock down and that would make totally impossible for us to drive from the airport to the Hotel.
That should be a sufficient reason for the Dispute Department to adjudicate this claim toward us, the clients who should be covered by the Credit Card Agreement. But, unfortunately, our claim was denied with erroneous recommendation to continue attempting to resolve this matter on our own For your information, that was the first thing we have done, we exchanged multiple emails with the Hotel, and never got even an offer to split the charges, or provide the credit. Only after the realization that we came to the dead end we decided to get the credit card involved.
May be it was not clear back in XXXX, but it is clear now, that we live during the pandemic, and this is probably equal or worst to the natural disaster.. It is far from being over, and even now visitors from USA are not accepted in XXXX.
I strongly feel that this matter should be re-visited by Barclays management.
We attempted to contact Bank/ Dispute Department on a regular basis, few times a week. We have the names of almost all Customer Services representatives we spoke to. Unfortunately, all these people are trained to give the same answers, but not able to access the computer, see if any of our documents, email or fax correspondence was received ... Even further, if we ask to speak to the Supervisor ( who might possibly have better access to the computer ), be ALWAYS are placed on hold, and get disconnected.
|
| 12/13/2015 |
Yes |
|
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Web |
|
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We applied for a Wyndham Rewards Visa Card serviced by Barclays with a promotional offer that we will receive XXXX bonus points when we make the first purchase with the card ( Wyndham would provide these ) and XXXX extra bonus points when we spend {$1000.00} in the first 90 days ( Barclays would provide these ). We made {$1000.00} in purchases in the first 90 days and it has been several months but we still have n't received the XXXX bonus points.
After calling both Barclays and Wyndham several times ( they would both tell me the other was responsible for the points and they had nothing to do with it! ), finally Barclays agreed that they were responsible for the points. However now they have a new theory that since my account is not in good standing they wo n't give me my bonus points. I have a credit of {$38.00} on my account for several months now ( yes I overpayed and Barclays owes me money! ).
On probing further they revealed that there was a late payment on the account. In reality the late payment was due to a Barclays error and not mine. I had setup an auto-payment on the account almost a month before the next payment was due and upon completion of the setup the confirmation screen told me to cancel any scheduled payments to avoid a double payment which I did since I did not want a double payment. Fast forward a month Barclays did not process the auto payment on the due date. I noticed it within a couple of days and called Barclays customer service regarding the same. The representative accepted the error on their side and reversed the late payment fees and processed the payment for the account for that statement.
Because Barclays made that mistake on their end I had to go through the inconvenience of giving them a phone call in the first place. Later citing their mistake as a reason they do n't give me my bonus points ( without any communication! ) and are just using it as an excuse to avoid giving the XXXX bonus points which they are contractually obligated to.
Moreover on top of the fact that my account is in good standing and the error they have noted was an error on their side, the contract never mentions anything around the account being in good standing or not. It plainly says that after spending {$1000.00} we will get those points. Barclays is plainly trying to give excuses to avoid giving those bonus points.
|
| 07/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
I contacted Barclays credit card company in XX/XX/XXXX to dispute a charge in the amount of {$1100.00} that I made to XXXX XXXX. I contacted Barclays because XXXX XXXX was not responding to my repeated emails to cancel a trip to XXXX that I booked XX/XX/XXXX. I wrote a letter to Barclays explaining that I wanted to dispute the charge because the merchant wasn't responding to me. Barclays acknowledged my letter on XX/XX/XXXX advising they would investigate and the investigation could take 45 days. On XX/XX/XXXX, I received a letter from Barclays stating they needed more information and could not reach me so my case had been closed. They had my cell phone number and I never received a phone call from them. The letter also stated I could reopen the case which I did. I called to find out what additional information they needed. I was told they needed proof that I tried to contact the merchant. I mailed copies of the emails I sent to XXXX XXXX on XX/XX/XXXX and verified with their rep, Froi that the documentation was received on XX/XX/XXXX. I called Barclays again on XX/XX/XXXX and spoke to XXXX who told me they were still working on the dispute. On XX/XX/XXXX, I received a letter from Barclays stating they could not help me because " we are outside the permitted timeframes to continue this claim through the dispute process ''. The problem with that statement is, " we were outside the timeframes '' on XX/XX/XXXX when Barclays first acknowledged they were working on the dispute. If I had been told that in the beginning, I would have gone back to the merchant and tried again even though I have no confidence that would have changed anything. After XX/XX/XXXX, the opportunity for me to get any kind of refund from XXXX XXXX had passed. Barclays ' advice in the letter on XX/XX/XXXX was to contact the merchant because they could not assist me any further. Second problem : I advised Barclays in the beginning that I was disputing the charge because I had been unsuccessful at working with the merchant. I'm filing this complaint because two of my friends booked the same trip at the same time and were given credits through their credit card issuers, XXXX XXXX and XXXX XXXX. I want other consumers to know there are a lot of card companies out there and they should not use Barclays. I have been a customer since XX/XX/XXXX and I expected more.
|
| 02/07/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I was contacted by phone by Barclay Rewards Matercard on XX/XX/2020 about a payment that was due XX/XX/2020 and was not shown as received on my account. I immediately contacted the bank through which it was paid, XXXX. They provided me written confirmation that my payment was received and cashed by Barclays within 20 minutes. I was forced to argue with Barclays for nearly a week until they would provide me with a fax number to send the voided check. That was faxed on XX/XX/2020. In the interim I have been forced to pay an increased payment to cover the money they lost due on XX/XX/2020. They have indicated that their policies allow them up to 25 business days to even investigate the missing money, then another 7-10 business days to process. I have been calling daily to request written confirmation that my money has been located and correctly applied to my account, the interest corrected and fees corrected. It is now more than 30 days since my money was lost and 5 days after I have been required to pay penalties because the bank lost money delivered and cashed ahead of the XXXX due day and I still have no written confirmation that my money has been located. I have been in contact with them on a daily basis. Every day begins with them denying that my money was lost, verbally telling me it has in fact been found and refusing to send me anything in writing indicating that the mistake has been corrected.
I must insist on something in writing as I am now routed to collections every time I call Barclays which makes me doubt that they have located my payment yet despite having the confirmation number of the transaction and a copy of the check I cashed.
I am attempting to resolve this as I am completing this complaint form. I am now being advised that my money hasn't actually been found despite them having a voided check since XX/XX/2020. I would like to request the CFPB listen to my telephone conversations recorded by Barclays. They have repeatedly verbally advised my payment had been found and applied and it has not in fact been. I feel as though an attempt has been made to entrap me into a second payment issue. Thankfully I no longer have any trust in this bank and have not only made the large XXXX payment that resulted from the payment Barclays lost but also begun transferring this balance to a bank I have some level of trust in.
|
| 10/01/2016 |
Yes |
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Web |
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While contacting Barclays to activate my rewards, the IVR stated that I had a payment due. Knowing that I had a payment posted today, I contacted their customer service at XXXX. The first man I spoke to informed me that they had not yet posted my payment and that it would take 2 business days to post. I asked if they would be effective dating the payment and he said no. I asked him if he was sure because they are required post my payment with the effective date as of when they receive my money. He again said no. He said their policy was 2 business days. I told him that they can not continue to charge me or any other customer interest if they already have my money. I asked to speak to a supervisor. After waiting on hold for XXXX, his Supervisor XXXX got on the phone. I asked her the same question, since you received my money today, XXXX/XXXX/16, will you be effective dating my payment. She too said no, that their policy was that it would not be posted for 2 business days. I again said that that is not right. You have my money and you can not charge me interest from today XXXX ( Friday ) until two business days next week ( Tuesday. ) I told her that is not acceptable and that I would be filing a complaint on the CFPB website. She told me to call back in two business days to verify the money was received. I told her I know the money was received by Barclays. I have a mobile confirmation and my bank also confirmed. She tried to say that my bank had not yet sent the money which was not accurate. She said that if I paid it on the Barclay 's website I would have received credit today but since I sent the funds electronically from my bank, it would take 2 business days. I told her that is not fair and they are still obligated to effective date my payment today XXXX/XXXX/16 regardless of when they post it because they had my money today. I have confirmation the money was received by Barclays today XXXX/XXXX/16 and it was not posted to my account. When I called my bank, they said this was not the first complaint that they have had about Barclays. I would like a full audit of my account and an interest credit from Barclays for every payment that they have held my funds for two business days. I would also like interest on the interest that I was overcharged. I would like all prior payments effective dated the day they received my money.
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| 10/23/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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The cancellation of this booking WAS completed within the cancellation window and in accordance with the merchants cancellation policy and should have resulted in a full refund. As proof of this, we attach emails from XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX confirming that our cancellation of reservation for travel on XX/XX/XXXX was received and that a full refund in the amount of {$3200.00} would be processed back to our MasterCard ending in XXXX within 60-90 days.
Here is a timeline of pertinent dates for clarification : XX/XX/XXXX Booking made and reservation fee of {$3200.00} charged.
XX/XX/XXXX Booking cancelled well within the merchants cancellation window.
Call to Barclay made XX/XX/XXXX, cancellation number XXXX, via online and phone call. I was told at this time that it takes 60 to 90 days to process the cancellation, which would be XX/XX/XXXX at the latest.
Calls made to XXXX several times during this period, including Attempts to work out with XXXX via phone calls : XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX 60-90 day refund timeline elapsed. Dispute opened with Barclay and sent via email and phone call.
XX/XX/XXXX Another Dispute opened with Barclay.
XX/XX/XXXX Another email from merchant confirming refund is due.
XX/XX/XXXX. Several calls XX/XX/XXXX 60-90 day refund time elapsed. Call again to Barclay. They indicated denial to provide refund because they claim we did not contest the original charge in XX/XX/XXXX within 90 days. This was only done after a three way call to XXXX where XXXX affirmed we are entitled to a refund but that accounting was taking time due to the pandemic.
XX/XX/XXXX XXXX confirms it will process the refund & seeks verification of the credit card. Confirmation made online and call to confirm received confirmation.
XX/XX/XXXX. Email confirmation from XXXX that I should receive the refund with my credit card within 3-5 business days.
XX/XX/XXXX. Call to Barclay seeking to confirmation of attempt by XXXX to refund.
Barclay claimed no attempts were made. I asked for assistance. They said it may take up to 15 days and I should wait to file another dispute. I told them I did not want to wait that long because we had relied on their prior statements to wait on filing a dispute and then was told we could not get a refund because we waited to file a dispute. Filed another dispute.
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| 09/21/2016 |
Yes |
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Web |
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Good day!
XX/XX/XXXX/XX/XX/XXXX, I called Barclays Aviator Card to cancel my credit card to avoid the annual fee. The operator offered a retention package, which involved earning XXXX XXXX XXXX points after spending {$2500.00} for 6 consecutive months. I signed up for it. After meeting the spend of {$2500.00} for 6 months ( XX/XX/XXXX-XX/XX/XXXX, to be sure to get the bonus, I even spent {$2500.00} XX/XX/XXXX ), I patiently waited for my bonus to post. In around XX/XX/XXXX, I called to inquire and operators had repeatedly told me to wait for the points to be credited. XX/XX/XXXX, I knew something was amiss when my points have not showed up in my account. I called again with operators dismissing my concerns and promising that the points will ultimately come through. After calling about 4-5 times, I had finally reached my threshold and requested to have my issue escalated. I spoke with a manager who vowed to review my case. I received a letter a few days afterwards informing me that I was not eligible for the bonus because I did not sign up for it. I was exceedingly disappointed because this was not the truth so I called again, this time requesting for all my previous calls and conversations to be reviewed. I am not sure if they reviewed the conversations but they responded again that I did not sign up for the offer. I felt that this was an extremely dishonest and fraudulent practice for this bank to lure me back into signing up for another year, with the promise of bonus miles and subsequently denying their offer. I called again and finally reached a sympathetic manager who listened to my complains. I conveyed that it defies logic for any customer to try to spend over {$2500.00} every single month for 6 months in a card that was initially about to be closed down. The bank ended up giving me XXXX as a consolation, instead of XXXX that they initially promised. After a few days, I was reading a blog that indicated the same exact circumstance has been happening to other consumers. Barclays has been offering this promotion to sustain customers but unable to stay true with their word. I initially did not want to complain but I think CFPB needs to be made aware of this unethical and unscrupulous behavior of this bank. I also would still want the other half of my missing XXXX bonus. Thank you so much for listening to my concerns.
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| 03/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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This complaint is specific to the reporting, this Data Furnisher is supplying and then, within the controls define in XXXX - and, in concert with FCRA and the FDCPA. Complains have been file with the CRA 's to no avail - so, we are here and in full concert with FCRA and the FDCPA.
I am a bit of a techie - so I care about DATA and then its reporting, and in line with XXXX and its ruling Life - happens, but when it does - all I ask is that whoever can say - gets it correct.
For all that that is worth - Barclays is governed by its report, its accuracy and as a DATA FURNISHER in and under FCRA and FDCPA.
Your tradeline - is incomplete and inaccurate.
I use the example of your kid coming home with a report card - where the name is incomplete - the scores are a bit washy, and then the semester details are not even present.
This is across the CRA 's - the attachment is from XXXX, but - XXXX, XXXX and XXXX are in this scope - as is any entity that you as a DATA FURNISHER send your data - and about me.
The request is simplistic - please fix this tradeline so that it is inline with mandates - or, delete it.
In any - ANY tech world - comments are never used to store/program/calculate - when there are intended fields to store and demonstrate its intended usage - the same is true for your testing and your methodology of validation and verification.
Understanding that -- - here are your reporting issues, mind you - this account is actually closed/charged off 1. Account numbers are NULL ( BLANK ) 2. Description of the ACCOUNT - is " BARCLAYS BANK DELAWARE ( CLOSED ) '' 3. There is NO " CLOSED DATE '' - its NULL and as a result 4. AVAILABLE CREDIT is = Credit Limit 5. DEBT TO CREDIT RATIO - is calculated on your erroneous data 6. PAY/BAL/RAT - details are inaccurate and incomplete 7. XXXX is unnatural - and impossible 8. No TERMS exist with a CLOSED account 9. Your CHARGE off <> Amount Past DUE 10. DATE OF LAST ACTIVITY =?
11. DOFD/FCRA date doesn't and can not be validated and based on your reporting 12. Tech standards DO _ NOT use comments to calculate and as part of algorithms..
13. Creditor Classification is UNKNOWN - even when you know what you are See the attachment - this complaint is across all CRA 's.
The request is simplistic - please fix this tradeline so that it is inline with mandates - or, delete it.
|
| 10/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XXXX made a purchase with the online company " lXXXX XXXX XXXX XXXX '' located in China.
XXXX delivered to local post office with insufficient address merchandise returned back to merchant.
XXXX consumer contacted merchant asking for a refund as the merchandise took too long to be delivered and the shipping address was entered correctly online as billing address had to be input.
XXXX merchant stated they will re-ship to consumer but will need to pay shipping fee.
XXXX consumer does not want merchandise and would prefer a refund. consumer does not hear back and decides to contact credit card company as this seems as it it may be a fraudulent sale.
merchant does offer credit but this is after consumer had already contacted credit card company, then merchant denies credit.
XXXX Barclays sends letter to consumer stating they need more information on case. The letter states that they tried contacting customer on specific dates, but customer has not voice mails or emails. The envelope is post dated XXXX. The letter states customer needs to respond within 10 calendar days or they can no longer pursue case.
Customer calls Barclays and speaks to an agent they tell customer to send dispute letter with proof tickets and messages to Barclay and that the case will move forward.
Customer sends letter and screen shots of all of these on XX/XX/2022.
On XX/XX/2022 customer receives another letter stating credit card company will no longer help customer specifically stating '' we are outside the permitted timeframe to continue this claim through the dispute process ''.
Customer makes multiple calls to Barclay, but unfortunately is treated with disrespect and unfairness Customer is hung up on multiple times and put on hold for over 45 minutes. Is also told no supervisor can help. On one occasion is told to contact the merchant. Customer had already attempted to contact the merchant. The merchant did respond stating they could not help due to the fact that the credit card company put a charge back on the sale.
I have attached many documents related to this case. Even though this is not a substantial amount I do not feel a customer should have to pay for merchandise they never received. Credit card companies should protect their customers and Barclays is not working with me at all. At this point they are ignoring me completely.
|
| 04/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Dear Sir or Madam : I am writing to inform you about fraudulent credit card charges on my Barclay 's business credit card. There were 26 fraudulent charges from a fake merchant ( XXXX XXXX ) totaling {$12000.00}, beginning on XX/XX/2022 and ending on XX/XX/2022. On XX/XX/2022, I reported this to Barclays immediately upon recognizing the fraud charges.
I have never done business with XXXX XXXX. I did not authorize these charges. This is a fake merchant with fraudulent charges applied to my credit card. I do not have a XXXX account with the account number listed in these charges ( XXXX XXXX ).
Shockingly, Barclays fraud protection did not recognize grossly abnormal charging activity on my account involving 10 charges on the same day ( XX/XX/2022 ) for the same amount ( {$500.00} ), 7 charges on the same day ( XX/XX/2022 ) for the same amount ( {$500.00} ), and 6 charges on the same day ( XX/XX/2022 ) again, all for the same amount ( {$500.00} ). Barclays failure to act to protect my account against blatant and extremely repetitive fraud charges is gross negligence and a failure to protect this account holder.
My attempts to rectify this fraudulent activity have fallen on deaf ears at Barclays. Despite calling every day to ask for help and repeatedly report the fraud charges, each time I am transferred to a department that has me start over with my reporting, providing no solutions nor answers as to why Barclays allowed me to fall victim to this theft, and enacting no remediation. I have called for 8 days in a row and my account still shows all of the fraudulent charges present and the balance due this month does not reflect removal of these charges.
I am a XXXX that began my house call practice as a XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. This Barclays card is my primary business credit card which I place XXXX XXXX+ in business charges on every year for my XXXX XXXX expenses. This fraud has put my business at risk and Barclays has not done due diligence to recognize and prevent this illegal activity, nor has Barclays provided a timely resolution and correction.
I welcome a representative from CFPB and Barclays to contact me directly to inform me of the immediate resolution of this fraud and removal of the 26 charges totaling {$12000.00}. Please investigate this matter and help me to correct the billing error.
|
| 07/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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I had 4 fraudulent charges to my Barclay Credit Card in XX/XX/2023. The charges started around XXXX XXXX. I informed them of the charge and they said they were sending new card and closing the card. Af few days later I go purchase alerts for {$60.00} XXXX XXXX in XXXX on XXXX XXXX. I called and informed them of the fraud charge as well as the fraud situation days before. The agent claimed that he would note the account and the charges would be handled. I asked how were they able to continue using the card when I would be receiving a new one and the account had fraud ; the card was supposed to be closed.The agent gave a vague answer and assured me that I would not be resposible.
Now it is XXXX XXXX with purchase alerts for {$33.00} at XXXX XXXX and {$34.00} at XXXX XXXX XXXX in XXXXI know the location because you can see the charges and location. Again I called, confused, asking again how could the account still be active? They asked me as if I knew how the card got charged at the same time I noticed that the last XXXX digits of the card number online was different from the card I had. I asked about that and it was more XXXX reasoning since they left the account active. The first fraud charge was removed, but the other XXXX fraud charges were not removed. Initially, I was informed that they were closing the card and sending a new one. Only to add the XXXX charges to the new account when they were suppose to close the card and send a new one. I called today XX/XX/2023 after checking my account ( the charges still are there ) and spoke with a so called supervisor who claimed that it could take 90 days to resolve and that account would be credited back the charges. That was this morning. I just checked at XXXX XXXX. and nothing has been done. The charges are still there on the knew card as if they are my charges.
It really should not be this hard for them to see that the charges are fraudulent. I live in XXXX the charges were in California and Tenessessee. I dont believe they are going to resolve the charges being that they did not close the card and then place the charges to the new card after stated they werenoting the fraud. This company is terrible, not thoroughly investigating, and have poor business practice. I really need help Barclay who has done nothing. I want this resolved so that I can close the account.
|
| 02/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
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I was not notified of a credit limit decrease before it happened. No advance adequate notice was given. The company substantially decreased my limit to point where the utilization on the card shot up to over 85 %. Which means this company is artificially manipulating my credit account, credit score, credit-worthiness, and credit report. This is done in order to drop my score to increase my rates and fees banks and other card issuers can charge. this is illegal and a violation of congressional law. This is " unauthorized use '' as defined under 15 USC 1602 ( p ). This is identity theft. They used my card to manipulate my balance and the interest they can charge, they are NOT the cardholder, they do NOT have actual, implied, or apparent authority for such use and from which I, the cardholder received no benefit. They provide a service for a fee, they are not the original creditor, I am, they are not my agent. I am my own agent. I, the cardholder, received no benefit. In fact, this unauthorized use is to my detriment, as it is causing XXXX XXXX, and significant damage to my reputation and credit score, credit-worthiness, and credit report. There have never been any issues with this account. Nothing in my account history with this card warrants such a decrease. The limit was decreased within a few days of receiving an on-time payment.
There are no verified public records or collections on my report, which was one of the key factors the customer service representative told me that my limit was decreased. When speaking with the customer service representative I was not given a numerical credit score as defined in 15 USC 1681g ( f ) ( 2 ) ( A ), as this company took an adverse action against me based in whole or in part on any information they received in a consumer report. I did not authorize the inquiry that provided the report. The customer service representative told me XXXX furnished the report. I don't know how or why, when there are currently multiple accounts under dispute and under investigation ; they shouldn't be providing anyone with reports. Last month I tried to pull my own report through XXXX and could not pull XXXX because of disputes and investigations. So how is a card company able to pull my consumer report and I can not? Not only that, but then take an adverse action based on unverified information?
|
| 07/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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The following Corporations : XXXX XXXX, Barclays Bank Delaware, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX have sent inquiry letters, my response to there letters were affidavits of fact dated XX/XX/2019 for which no response was received rebutting any of the affidavits, there for falling into default judgment dated XX/XX/2019 for all affidavits received via Certified Mail See Attachments. Under United States Code 12 USC 73 Oath the bankers affiliated with these Corporations Chief Financial Officers have violated their Oath 's of Office. They have hypothecated and/or pledge as security on loans and debts. Also under Title 12 United States Codes 12 USC 411 Issuance to reserve banks ; nature of obligation ; redemption. Debt is the Obligation of the United States. Under the Truth in Lending Act Regulation " Z '' human beings can not be financial institutions and as a " Person '' which is defined as a corporation under Title 28 Section 3002 ( 15 ) ( A ). I am a sentient living woman I can not be a corporation as defined above in ALL CAPITALS LETTERS. The XXXX XXXX, Artificial Person, or 'Straw-Man ' is not who I am. This leads into a false claim under Title 31 USC 3729 False Claims. The amounts allegedly claimed owed from each corporation is as follows : XXXX XXXX amount allegedly owed {$260.00} ; XXXX XXXX XXXX amount allegedly owed {$5800.00} and {$3700.00} ; XXXX XXXX XXXX amount allegedly owed {$310.00} ; Department of Education/XXXX XXXX allegedly owed {$4100.00}, {$6600.00}, {$11000.00}, {$4500.00}, {$8500.00}, {$8500.00}, {$12000.00}, {$4400.00}, {$12000.00}, {$3300.00}, {$2800.00}, {$10000.00}, and {$5600.00} ; XXXX XXXX XXXX amount allegedly owed {$850.00} ; XXXX XXXX XXXX XXXX XXXX allegedly owed {$0.00} ; XXXX XXXX XXXX allegedly owed {$5600.00}, {$2800.00}, {$3300.00}, {$8500.00}, {$10000.00}, {$6600.00}, {$8500.00}, {$12000.00}, {$4100.00}, {$4500.00}, {$8500.00}, {$12000.00}, {$6600.00}, {$2800.00}, {$3300.00}, {$10000.00}, {$8500.00}, {$12000.00}, {$8500.00}, {$20000.00}, {$5600.00}, and {$20000.00} ; Barclays Bank Delaware amount allegedly owed {$870.00} ; XXXX XXXX Amount Allegedly owed {$8700.00} please see attached documents and inquiry letters. This is Identity theft, and fraud.
|
| 08/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American, Servicemember |
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I opened an account for visa card in order to finance part of the purchase of a timeshare with XXXX XXXX. The amount on the card was {$3000.00}. I paid the balance on the card prior to XX/XX/XXXX and never requested or received a replacement card, so I assumed the account was closed.
XXXX XXXX, who was my wife at the time, was not an authorized user of the card, however, in XX/XX/XXXX she advised me that she had been using the card for some time. I don't know exactly how long, and she had accumulated a debt of over {$17000.00} on the card. She advised that a collection agency was trying to collect payment for the debt for Barclays Bank Delaware, and they had threatened to garnishee her wages if she did not pay a certain amount by a date certain. She also advised me that she was issued a card in her name on my account by Barclays.
About a week before XXXX contacted me about this, I had received a letter from Barclays in which they claimed I owed them {$17000.00}. When I learned about the debt from my ex-wife, I wrote to Barclays advising them that I had not authorized XXXX to use my account and I did not assume any responsibility for the debt, and I requested them to remove the debt from my credit report. On XX/XX/XXXX Barclays responded to me that since their records reflected XXXX as an authorized user on the account, they considered the debt to me as accurate and they would not remove it from my credit report. I discovered from the credit bureau that Barclays had written the debt off in XX/XX/XXXX, although they had never mentioned any debt to me prior to XX/XX/XXXX. Since my ex-wife was never authorized by me to use the card, and Barclays never attempted to verify by me that she was authorized to used the card, I think they are attempting to extort money from me to pay a debt I did not incur or authorize, and I would like for them to remove the debt from my credit report and to not harass me about the debt again. My ex-wife did not reveal the debt in the divorce decree, because she intended to hide it from me. Therefore, because of her concealing the debt from me and the fact that I never authorized her to use the card and Barclays never attempted to verify that she was an authorized user and never notified me that charges were being made by XXXX on my account, I consider the debt her sole responsibility
|
| 04/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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I made an online charge with XXXX XXXX for {$36.00} on XX/XX/19 expecting delivery within 2 to 4 weeks. I contacted the vendor after 2 weeks to inquire about the order and was told they were going out of business and the shipping was behind. I waited another 2 weeks and contacted them again. The vendor 's e-mail of XX/XX/19 ( attached ) from XXXX apologized for the long delivery times and stated that if I no longer wanted to wait for the order I could cancel it at any time.
On XX/XX/19, I wrote an e-mail ( attached ) to XXXX to cancel my order and refund my {$36.00}. I notified Barclays-XXXX that I was disputing the charge since I had not received the merchandise ordered and was cancelling my order. They gave me a provisional credit.
The same day, XX/XX/19 I received a vendor e-mail from XXXX stating, " We have received your request to cancel, '' which ended my order relationship with the vendor and any financial obligation to them for the {$36.00} and I should have received the credit to my account shortly after that. On XX/XX/19 Barclays charged the {$36.00} back to my account and closed the dispute! On XX/XX/19, I received a notice that Barclays was closing my dispute because they claim it was resolved! I called them and they said I would have to fax them proof that I cancelled my order with XXXX XXXX in order to reopen the dispute. I had to go find a fax machine since I don't have one.
On XX/XX/19 I faxed Barclays-XXXX a letter explaining my case and sent them copies of all the e-mails between myself and the vendor to prove that I no longer had any obligation to them and cancelled my order. When I checked my account in XXXX I noticed that they still had not credited my account so I called the disputes dept and they told me they AGAIN CLOSED THE DISPUTE because the vendor told them they sent out a package in XXXX! I argued they can not close it because I had NO ORDER with the vendor after I cancelled it and they acknowledged it and I sent them the proof of it in black and white.
Barclays is NOT acting in their fiduciary capacity towards me their customer and upholding their responsibility to me. I do not expect them to believe a fly by night vendor over their customer, since I had no expectations of a package nor would I accept any package from them after I cancelled my order.
Thank you, XXXX XXXX
|
| 05/14/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Barclays Card Services XXXX. XXXX XXXX XXXX, DE XXXX Ref Account : VISA credit card XXXX Cardmember Cardmember Address Insert from BARCLAYS Complaint Policy found its official website : Barclays is committed to offering quality products and services. We want to make it simpler for our cardmembers to report instances of dissatisfaction. Barclays uphold principles that aim to : Ensure that all customers are treated fairly and ethically, and that issues are addressed promptly.
Embed complaints principles and complaint standards across our organization.
Ensure that team uses sound judgment, in combination with the standards set by Barclays, to reach suitable, consistent and timely decisions.
Inform cardmembers about complaint status and resolution.
Make certain that all colleagues are certified on our complaints policy and principles.
I called Barclay at XXXX-XXXX-XXXX on Monday XXXX CST. I was on hold for 1 hour and 56 minutes. I discontinued the call.
I call Barclay at XXXX-XXXX-XXXX on Tuesday at XXXX XXXX CST. I was on hold for 45mins and finally got to speak with a Dispute Specialist, her name was no given.
I requested to dispute a phone purchase transaction of {$190.00} with XXXX XXXX. The Specialist said that her system kicked her out the 3 times she tried to enter the dispute. The system auto closed the application. She then advised that she could not help and discontinued the call.
This clearly DOES not support Barclays commitment of Ensure that all customers are treated fairly and ethically, and that issues are addressed promptly. the fact that this application has been configured to discriminate and treat Cardmembers unfair and differently because of the type of transaction is UNFAIR. I as a Cardmember need to be treated equally and fairly. I as Cardmember should be given the same accessibility & service as others Cardmembers are given to submit a dispute. No matter the outcome. That Service should FAIR and open to all Cardmembers, and not have a configured System to treat me unfairly. This is an ethical and the CFPB regulators and Visa have been copied carbon to this letter of this UNFAIR treatment based on the Dodd-Frank Wall Street Reform and Consumer Protection Act.
Please response to this correspondence, Cardmember Cc : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX
|
| 05/04/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
After receiving phone calls from numerous credit card companies/banks about charges and noticing some missing items at the end of XXXX , I went to check my accounts thoroughly and noticed fraudulent charges. My bank in Oklahoma was able to find a name of someone that did the charges and we filed a police report. It has been found that a person I may know has done this. There are actual cards missing. I have charges from Barclay from XXXX and charges from XXXX by Barclay from XXXX XXXX The credit card fraud team at Barclay has been very unwilling to work with me as a customer. Other credit card companies/banks have gone over backward to help me and provide steps to getting this taken care of. These other companies resolved issues already and helped me to file an identity theft report to credit bureaus. Barclaycard continues to beat around the bush and say they have not received my faxes. I have sen t four faxes over the last six weeks. They are switching my story around and saying a girlfriend stole from me. I did not have a girlfriend and stuff was stolen from my wallet. They continue to twist the story to make me feel like this is my fault. I call once a week and it is always the same response, " we have not received anything, call back next week. '' I recently spoke with a supervisor, who told me he would be calling the officer and never did. He tried to hassle me and put words in my mouth about the story, which was very frustrating. He also claimed they receive hundreds of faxes a day so he did not understand not getting mine. Once again, they tried to act like it was my fault they have not received the faxes when I have confirmations that they did. All of the representatives at Barclaycard try to intimidate me and make me feel like the whole situation is my fa ult. One r epresentative told me to mail in my police report but if they did not recieve it, they would try to dig up the faxes, insinuating they had the faxed police reports somewhere. On XXXX XXXX , they told me they have received an incident report, which is not a police report. It was a police report, it has a case number and details from the investigating officer. The officer working on my case tried to call them to explain it was a police report and they left him on hold for 45 minutes at the fraud department.
|
| 03/27/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
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I currently have a credit card from " Barclaycard, Visa ''. On XX/XX/XXXX. 2021, I paid the account balance of {$1000.00}, which is what showed was due " on line '' and the automated system, that was confirmed with the representative. The amount was paid and posted on this same day. On XX/XX/2021 ; I found another charge of {$18.00}. I called the company and spoke to XXXX. I inquired about the charges and why the available balance had been dropped and continues to drop despite my high credit score?
I am completely concerned about this company and their ethical business practices. I am a person who pays my bills on time or before they are due. Whenever I have paid the balance off, the next day or before the next bill is due on the XXXX of every month, I find this company has yet another charge on the account. When contacting the company to inquire why this continues to happen? I am given the excuses of it's the " Interest '' that was not paid. I asked them how can that be, if I paid off the account before the due date? I was given an excuse " because the interest is not added until after the billing cycle due date. I paid this bill in full the day before it was due, I inquired where Did they get the amount of money to charge yet another charge of {$18.00} on the next day, the day the payment was due? Then they will use the excuse that the Interest rate is based on the APR ( which I currently have a high score ). When I asked why my available balance had been dropped? I was told it was based on my APR and how much I currently owed before I paid them off. I have always paid my bill balance or requested payment by or on or before the due dates. I believe this is just another way for this company to STEAL from their customers.
When I asked the Rep/XXXX, where the main office was, I was told it was in the UK. I asked about the address, I was told to look it up.
Companies that continue to do business in this manner, I feel are allowed to RIP off their customers who work hard to pay their bills. At this point I am concerned as to how many more people are being ripped off? I am filing a complaint based on Unethical and Unlawful business practices '. I not only want them investigate but charged for the crimes, these companies are allow to continue to do to their customers who continue to pay their bills on time.
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| 12/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX, I accepted the promotional offer on my Barclay Carnival MasterCard for an amount to be deposited into my bank account for purchases or balance transfers. There would be a processing fee of 81 dollars. My balance was zero as I hardly ever use this account. I requested {$2700.00} ( my credit limit is {$5200.00} ) which was deposited to my banking account on XX/XX/21. In the next several days I pulled up my Barclay Carnival MasterCard account on line and noticed my balance was XXXX. There had been two transactions made for {$2700.00} and two fees of {$81.00}. I immediately pulled up my banking account to see if they had deposited the money twice. They only deposited {$2700.00}. I called Barclay Carnival MasterCard and spoke to a representative and she said they would need to investigate the matter. She placed a request and told me those can take up to 48 hours. So I patiently waited 2 days and the charge was still there. I called for the second time and spoke with a representative who told me there was a glitch in their system and the money would be returned. I waited 7 days and nothing. I called for the third time and asked for a manager. She told me there was not one on site but I insisted. She put me on hold for a long time and the manager came on the phone and said she was handling it and it could take until the end of the billing cycle. So, one week later I began getting reports from my other credit cards and credit protection agency 's that I was over the limit on one of my cards. My credit score was being directly affected and I was due to close on a property in a week. I called 3 more times. One time they accidentally hung up on me and the last employee I talked to told me there no phone number to the department that was handling the glitch and that it could take up to 120 days to correct. He told me it would do me no good to call them everyday. This mistake is costing me $ 100/day and I need my card balance to be corrected. They should be able to reverse the charge on my card and correct their glitch without costing the consumer financial burden. I am suspicious of the vague comments I am receiving and the fact there is no one to talk to at Barclay Carnival MasterCard to assist me in answers. It has now been XXXX weeks since this glitch has happened and its now affecting my credit.
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| 06/05/2016 |
Yes |
- Bank account or service
- Savings account
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Web |
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I opened a savings account with Barclays US on XXXX/XXXX/2016 and made an initial deposit of {$1000.00}. I authorized the money from the account to be transferred from my XXXX XXXX Account. After opening the account, I established and verified an external transfer with XXXX XXXX Checking. Since this date I have been accruing interest in the savings account but have not transferred additional money. On XXXX/XXXX/2016, I requested to transfer a portion of the funds to my XXXX account. I was informed that my account was on " hold '' due to failure to verify the source of the deposit and no withdrawals could be made. I called customer service and spoke with a supervisor. She informed me that because I did not establish an external transfer relationship with the account where the funds were initially received, I could not have access to the funds at all. I also was informed that there was no other recourse since this bank operates completely online. She also refused to allow me to close this savings account and have the funds returned to the source without interest. I believe that I met the Terms & Conditions of the account service by establishing an external account relationship with the bank where the funds were initially transferred, which has the same routing number. I provided proof of identify when I authorized the initial transfer of funds from XXXX and Barclays inherently acknowledges that the funds came from an appropriate source by accepting the funds and providing interest on the account for the past five months. Barclays has not contacted me by phone or mail to inform me of any concern with my account and will not release the funds unless I verify the initial account through test deposits, which will take several days to accomplished. I am extremely concerned that Barclays has withdrawn money that I authorized, has had custody of my funds for five months, but now refuses to release these funds to me. According to the Terms & Conditions, this Dream Savings account does not require a minimum initial deposit and only requires a minimum amount for {$0.00} to be accured in interest each month. There is no reason why I should not have immediate access to my funds as an account holder and if there was a concern, the initial deposit should have been returned and the account closed after 5 business days.
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| 02/05/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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I have a priceline rewards visa signature card which is serviced by Barclays. My rewards program says I get 2 % cashback on all purchases and when I redeem the cashback as a statement credit against travel purchases I get a 10 % redemption bonus. I have been using the card for several years and I get this bonus almost instantaneously as I redeem the cashback towards an eligible purchase.
On XX/XX/XXXX I redeemed XXXX points ( {$120.00} ) against a hotel booking purchase and I was supposed to get XXXX points ( {$12.00} ) as redemption bonus as per terms of the program. I have redeemed against booking for the same hotel in the past and got the redemption bonus in the past. This time I didn't and so I called customer service within minutes of making the redemption. I spoke to operator with ID coeafr who assured me that I will get the bonus when my current statement closes - I questioned the operator as this made no sense as I used to get this bonus instantaneously in the past to which I was given no satisfactory answer and that I will get it once my statement closes. My statement closed but no luck so called again on XX/XX/XXXX and spoke to operator with ID XXXX who said I need to wait for another day for the credit to reflect. Again I asked why its not instantaneous this time and no answer. I called again on XX/XX/XXXX and spoke to operator with ID coemvm who said the same thing - wait for a few more days. This time I insisted a formal case be started as I can't keep calling back and its a drain on my time. The operator logged case number XXXX and promised me that I will get a response within 7-10 business days. Fast forward to XX/XX/XXXX, an entire month after the initial issue, no response on the case I had filed. I called customer service again. The first operator transferred me over to another operator with ID XXXX. The other operator said she can not do anything to help me with this case either and transfer me over again.
Basically customer service is playing a game of passing the parcel until the customer gets fed up and gives up. I spoke to several agents and not one made an attempt to figure out what the issue is and just wanted to defer the issue to another time as that would involve another operator. I have already spent a lot of time speaking with customer service ( and waiting in line ).
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| 12/01/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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I have an Old Navy Rewards credit card. Recently they moved this card to Barclay 's. I never received the new card nor new statement. I received an email in XXXX, 2022 that I have an outstanding payment on my account but was unable to pay it since I don't have the new card to setup payment online. I called Barclay 's on XX/XX/2022, made a payment over the phone and the agent cancelled the missing credit card and requested a new card to be sent. The late payment fee of {$30.00}, was also reversed, per the agent.
Then in XXXX, I received a statement that I owe {$64.00} ... all service charge. The agent that I spoke with the first time, didn't reverse the {$30.00} correctly, therefore, resulting in interest charge and additional late fees... now totaling {$64.00}. I once again called and the agent on the phone said, she can see that the first {$30.00} late fee was not reversed which resulted in additional late fees and interest charge. This agent said she will reverse all the late fees and interest charges on the account and at which time, I requested the account to be closed. I was assured the account is closed and all the fees are reversed. There will not be additional charges.
Then in mid XXXX. I received a letter indicating that my account is closed as of XX/XX/2022 but there is an outstanding balance of {$67.00}. On XX/XX/2022 at XXXX XXXX pacific time, I called Barclay 's once again and spoke with a XXXX. She reviewed the account, confirmed the account is closed and see that there is an outstanding balance because the fee reversals which was supposed to occur previous months didn't take place and additional service fees and late charges continues to be added to the account. XXXX has once again reversed all the lates fees and service charges and has assured me that the account is at a " XXXX '' balance.
I won't be surprised if I see another statement in XXXX indicating a higher outstanding balance as more late fees and service charges are being added. I have no confidence that Barclays will take care of this issue, one that began when my account was transferred to Barclay 's and I never received the new card.
The act of charging late fees on top of fees that was not reversed correctly is absolutely ridiculous. Having a customer call back multiple time to resolve one issue is unacceptable.
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| 12/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
Older American, Servicemember |
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I've been having problems with Barclays concerning my AAdvantage Mastercard. I have not used this card for any purchases since XX/XX/2021 since XXXX XXXX has quit servicing XXXX XXXX and there has been fraud activity reported on the account. Barclays did charge me {$99.00} annual fee in XX/XX/2021 which I paid. Barclays sent 19 letters on XXXX XXXX informing me that certain restrictions were being placed on my account ending in XXXX. Also I received a letter from Barclays on the same date thanking me for requesting an increase in my credit line on account ending in XXXX and raising it to {$22000.00} effective immediately. The credit card that I had at that time ended in XXXX. I never had a card ending in XXXX. Barclays told me that the account ending in XXXX would be cancelled and I would be issued a new card ending in XXXX. They asked if I needed the card in a hurry and I said no, that I wouldn't be using it anyway. They sent the new card regular mail and charged {$15.00} for expedited service. On XX/XX/XXXX Barclays sent 9 letters again informing that restrictions would be placed on the account ending in XXXX.Then on XX/XX/XXXX I received a letter that XXXX account was being closed due to suspicious activity. At that time I called and told them not to send anymore cards but I wanted to keep the account open so I wouldn't loose the ability to access my data until this fiasco was over. Now they have charged me a {$99.00} annual fee on an account ending in XXXX. Way back in XXXX this case was issued a Barclays Case number XXXX and I was told by XXXXXXXX XXXX that someone from Barclays would be contacting me to resolve the issue within two days. No one called so I called and was put in contact with someone in the fraud department. After a long conversation I was told either by someone in fraud or customer service that the matter would be resolved and that I would be reimbursed for {$15.00} charge for expedited service and the annual fee charged in XXXX XXXX but neither has happened. I've had numerous conversations on the phone about the situation and each time I felt the problem was resolved but it hasn't. I now see how old people are being ripped off each and every day by people like this. I've been inundated with meaningless correspondence red tape just to get a very simple problem taken care of.
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| 01/18/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
Servicemember |
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On XXXX My mortgage company sent a check in the amount of {$3500.00} to XXXX XXXX XXXX XXXX XXXX XXXX DE.
On XXXX Call Called Barclays Loan department and asked them would the payment be forwarded to the correct office. I was told by the customer service associate that if the payment was not sent to po box XXXX XXXX, PA that the check would not be applied to the account. I needed to stop payment on the check and reissue another check.
On XXXX I made a payment of {$400.00}, so that the payment would not be late.
On XXXX mortgage company sent a new check priority mail to po box XXXX XXXX, PA for {$3500.00} XXXX
On XXXX {$3500.00} was applied to the account.
On XXXX called customer care requesting a refund for the amount that was overpaid, which was a little of {$700.00}. At the time of the request, the check that was applied on XX/XX/21, had not been applied to the account yet.
On XXXX Another check was applied to the account for {$3500.00} On XXXXA Refund check of {$4200.00} was issued.
On XXXX Payment of {$3500.00} was returned due to the 1st check was stopped. Now there is a balance of XXXX and collecting interest.
On XXXX I called and advised that I have not received the refund check yet. Customer service rep stated that she has requested for a supervisor to call back in regard to refund check.
On XXXX Called Barclays loan customer service about refund check and was told that XXXX will call back later today.
On XXXX called and basically stated that there was nothing they could do because the check was issued on XX/XX/21 and I needed to wait 25 business days to request for a stop payment on the check. I requested for the check number that was sent and they do not have records of check numbers.
On XXXX Called Barclays loan customer service to request stop payment on check and the associate stated that they could not request that and would need to have manager call me back in 1-2 business days for them to request.
I want my account to be rectified : I do not believe that the loan should be collecting interest after XX/XX/21, since this is Barclays fault for telling me to stop payment on 1st check and I was still waiting on Refund to be issued, so that the funds can be applied to the account. I want the account refunded immediately and the interest to be recalculated and sent a refund.
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| 06/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
Servicemember |
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MDear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a formal complaint against Barclay for their refusal to grant me online access to my account and their lack of responsiveness in allowing me to speak with a manager in a timely manner. Additionally, I am facing difficulties in making bill payments, with no available resolution to remove negative marks from my credit report.
I have been a customer of Barclay for 3 years apparently. However, despite numerous attempts to gain online access to my account, I have been repeatedly denied without any valid explanation. The lack of online access severely limits my ability to manage my account effectively and stay updated on my financial obligations.
Furthermore, when I have attempted to speak with a manager to address these concerns, I have faced significant delays and obstacles. Customer service representatives have been unhelpful, unable to provide appropriate solutions, and have not escalated my concerns to the appropriate level.
Another issue I am facing is the absence of a clear resolution for paying my bills and resolving any outstanding debts. I am willing to fulfill my financial obligations, but I have not been offered any viable options to pay off my debt and have it removed from my credit report.
I kindly request the following actions : 1. Investigation : I request that the Consumer Financial Protection Bureau conducts a thorough investigation into Barclay 's practices regarding the denial of online access, lack of responsiveness, and failure to provide appropriate payment resolutions.
2. Remedial Actions : I ask that appropriate actions be taken to ensure Barclay provides me with online access to my account, facilitates timely communication with a manager, and offers a feasible resolution to pay off my debt with the removal of negative marks from my credit report.
3. Enforcement : If any violations or non-compliance with relevant consumer protection laws and regulations are found during the investigation, I urge the Consumer Financial Protection Bureau to take appropriate enforcement actions to hold Barclay accountable.
I have attached relevant documentation, including correspondence with Barclay, to support my complaint. Please find them enclosed for your reference.
Thank you
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| 01/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX major fraud started on my account. My information was compromised and a fraudster added bank accounts to my account, made fraudulent payments, spent the money at XXXX stores and returned the large payments. They spent over my credit limit. My total balance was {$6100.00} before the fraud messed up my account. I received a letter in XXXX from XXXX saying they removed the fraud and I would not be responsible. However, my current total says {$9200.00} and is still showing the fraudulent payments and interest from fraud. My minimums went up and I still do not have the original balance plus my continued payments showing. I was also promised a new card was coming multiple times, monthly during the last 9 months. I have continuously called, emailed XXXX XXXX and presidents office. I have not received a call back from the presidents office for help. I received a letter that said there was nothing to change. Which is incorrect. I should not be punished for fraudulent activity, a closed account without my knowledge, no working card for 9 months, and have to track them down for help continuously. This needs to be fixed as soon as possible. This is ruining my credit score and i should not be punished for fraud or a companys mistake closing my account without my consent. I want a new card as promised, the fraud removed from my old account, and credit for my continued payments of {$810.00}. It should not take 9 months to fix a fraud problem and get contacted back with help. I have been a loyal customer for years and this treatment has really left a bad taste in my mouth. The fraudulent payment activity is as follows : XX/XX/XXXX {$3300.00}, XX/XX/XXXX {$5800.00}, XX/XX/XXXX {$9300.00}, XX/XX/XXXX {$8900.00}, XX/XX/XXXX {$9800.00}, and XX/XX/XXXX {$9300.00}. These were made with fraudulent bank accounts that were made, spent, and returned without my knowledge or consent. As soon as I realized what was happening I called XXXX XXXX and they told me they removed these bank accounts from my account and flagged them for fraud. I had also saved up over XXXX airplane miles on my account, which is why I chose XXXX and lost all of them because I was just told I needed to redeem them within 30 days of a closed account I didnt know about or agree too. Nor could I redeem them because my account was closed
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| 08/28/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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i was at Old Navy XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, NY ) around XXXX and the cashier mislead me and applied for a credit card.
what happened : when i was paying for items i was buying the cashier ( XXXX ) asked me if i would like to get 20 % off in the next three weeks. i said yes. he showed me a flyer i saw the 20 % ( did not hand it to me or gave me enough time to read the flyer in its entirety ). he did not mention it was a credit card. he continued to tell me i can get the discount at Old Navy, XXXX and XXXX XXXX and i would need to enter my SSN. I did, and i was asked to enter again. asked for my ID, and i gave it to him. it took longer than i thought, i asked him is there a problem, he said no. i again asked him if i have to pay extra to get this 20 % off- he said no. however he said the process didnt work and i will receive a letter in the mail. cashier XXXX never mentioned he was applying for a credit card for me or running credit.
i had no idea, i was mislead to apply for a credit card i never wanted, until i told my husband about this few mins after. we both went into the store immediately, spoke to a manager ( XXXX ) about what happened. she said she cant reverse what happened and i would need to call Barclays. we explained to her this was wrong and XXXX is taking advantage of vulnerable/less knowledgeable customers just like me. she understood, told us she will investigate this incident.
I moved to XXXX in XXXX and relatively new in the country. however i was advised by my husband to say no, whenever a store rep/cashier asks me if i wanted to apply for credit card ( because we have enough credit cards ) for example same day few hours earlier, i was at XXXX 's and the cashier asked me if i want to apply for a credit card to earn points and i said no.
Old Navy employee never mentioned the word credit card or credit. i believe this is simply fraudulent and wonder if this is Old Navy 's usual practice.
I called Barclays and managed to withdraw the application. i then contacted Old Navy several times to tell them to remove the credit inquiry they made without my consent. they said they dont have a relevant department for such complains and nothing i can do at this point.
I would like to report this to CFPB and get the un authorized credit inquiry from credit reports
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| 11/10/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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We initially contacted Barclays Bank about a billing dispute of {$3900.00} on XX/XX/XXXX and responded to their letter immediately with explanation of the dispute to XXXX. On XX/XX/XXXX, I faxed to Barclays, XXXX a letter ( again ) with detailed documentation explaining the details of my billing dispute. We booked a reservation with XXXX in XXXX, XXXX for XXXX. The XXXX XXXX Wildfires broke on XX/XX/XXXX that continued on XX/XX/XXXX and XX/XX/XXXX. 10 days before our proposed reservation, I was in communication with XXXX and the Host. I emailed the Host to informed her that the Office of the Governor, State of Hawaii, issued a Third Proclamation Relating to the Wildfires ( enclosed copy of the Proclamation in the email ). The Proclamation declared a " state of emergency '' to the counties of XXXX. Communication was cut off and forced closure of roads and schools, evacuations in the XXXX XXXX, XXXX and XXXX ( this is the location of the XXXX condo ) area. The wildfires caused catastrophic damage and destroyed the infrastructure of XXXX NOT to mention the number of people who lost their lives and are homeless. The resources were very limited. ONLY ESSENTIAL TRAVEL TO XXXX. ALL NONESSENTIAL TRAVEL TO THE ISLAND OF XXXX IS STRONGLY DISCOURAGED AS INDICATED ON THE GOVERNOR 'S PROCLAMATION. I also received numerous cancellation notices from all the XXXX XXXX that we enjoyed dining. These restaurants were destroyed by the wildfires. XXXX XXXX and XXXX XXXX XXXX gave us immediately refund with no questions asked. Under these circumstances, how can you enjoy your vacation specifically in the " XXXX area ''? Ground zero of the wildfires and devastation. XXXX was destroyed and the local people are suffering not mention homelessness and lives lost. Total chaos! All the news media outlet was broadcasting the wildfires devastation for days as well as tourist trying to leave the island. XXXX people have flown out of the XXXX XXXX since XX/XX/XXXX. " Essential travel only to XXXX '' during our proposed XXXX reservation. In fact, the Governor of Hawaii, various non profit organizations as well as the XXXX people were asking for help such as food, water, shelter, etc. and financial assistance. How do you go and enjoy your vacation when there's devastation in XXXX where's you're staying and people suffering?
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| 11/03/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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My name is XXXX XXXX, and this is my rebuttal I sent to Priceline/Barclay for a XXXX XXXX I never received. XX/XX/2023, My XXXX ( XXXX XXXX ) and I arrived at XXXX XXXX XXXX around XXXX XXXX. I received a email to pick up my XXXX XXXX from XXXX, which I paid in full to Priceline/Barkley for XXXX XXXX XXXX XXXX Once I got to XXXX agent, they advised me that I had no reservations. I fought with them back-and-forth because I had a email but to no avail. They instructed me to call Priceline my credit card company, after over an hour on the phone with Priceline, They advise me they sent a email to XXXX. And that my rental arrangements had been changed to XXXX XXXX XXXX. I advise Priceline that that is not my correct email address. My correct email address is XXXX. I headed to XXXX XXXX XXXX XXXX at the airport to see if I could retrieve my XXXX XXXX Upon arriving at XXXX XXXX XXXX no agent was there which led me to believe they were out of cars. After spending XXXX hours at the airport, my husband decided to go back to XXXX XXXX XXXX and purchase a car on his credit card so we could begin our vacation. I called Priceline back and told them what happened about me not being able to retrieve a car that I paid for in full, I immediately requested a refund because they sent the email to the wrong address. After fighting with Priceline for XXXX weeks on the phone every day they finally sent me a check for XXXX XXXX days later they bill me in the amount of XXXX to my credit card bill. First of all they already have the XXXX that they never sent back, then how can you bill me for a product I never received. I paid my bill because my credit is excellent. Priceline/Barclays sent that email to the wrong address now I have been fighting for XXXX days trying to retrieve my money back. XXXX XXXX XXXX has no record of myself signing or retrieving a car the day in question. I advise Priceline/Barclay that Ive never received the car. I sent a receipt from XXXX that same day, proving that I had to rent a car from another company. Price line/Barkley told me it was nothing they could do to help me to get my money back. Why do I have to pay for a XXXX XXXX I never received for XXXX This is fraudulent activity. I would like for this credit card company to return my money for a product I never received. Thank you
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| 01/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account status incorrect
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Web |
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In XX/XX/2020, I had a large bill which I knew I could not pay, so I decided to switch off autopay and pay a smaller amount. I canceled my automatic payment on XX/XX/2020 ( email confirmation attached ). On my due date I attempted to pay online, but it said a payment was already in process for the entire amount. At this point I was a bit out of it, as I was recovering XXXX and figured that I had forgotten to cancel the autopay - though later when looking through my emails, I discovered I actually had done it.
I called in that day, the day of my due date, and attempted to make a payment. They refused my payment, saying my old one would have to be returned. I called in about a week later and they AGAIN refused payment, saying it still hadn't been returned, despite my bank saying otherwise. Unfortunately, it seems that some sort of bug in your software prevented this payment from actually going through, despite me receiving a confirmation. I unfortunately did not receive notice until late XXXX, when I received a stack of about 10 identical letters, telling me that the payment failed due to " Unable to locate external ''. I immediately remade the payment again including the upcoming required payment, which went through.
I eventually made a payment on XX/XX/XXXX, when the system finally let me. Unfortunately this was returned for some reason, despite me having money in my account. Over a month later I received a stack of 10 identical letters, all telling me the transaction failed " Unable to locate external ''. At this point I immediately paid Barclays, but it was over 30 days late, and my credit report was affected.
Despite my assurance that my account was past due and the original payment would be returned, Barclays refused my payment on multiple occasions. The original payment should not have even gone through, as it was canceled. Had I not been so XXXXk I may have been able to thread the needle pay after they finally let me, and then babysit that payment, but unfortunately I was quite XXXX and having multiple XXXX XXXX XXXX XXXX and was not able to fully concentrate on this. I had hoped that making a payment would end up being simple, but there were quite a few issues to navigate, which I was not up to at the time. Making a payment should not be this hard.
Thank you for your time
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| 03/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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We have attempted to dispute a {$600.00} charge on a service that was not completed satisfactorily. We made several attempts to work out the problem with the vendor and returned the item several times to the shop to be repaired. With the item never working properly, we finally decided to dispute the charge with Barclay 's XXXX XXXX
On XX/XX/2020 I mailed the dispute, along with supporting documentation, to the address listed on XXXX 's website for disputing charges. After several weeks of hearing nothing, I called XXXX 's and was told they never received the letter. I rechecked the mailing address with the agent and it was correct. At this point, on XX/XX/2020, I resent all the information via certified mail. The letter was received and signed for on XX/XX/2020 at XXXX XXXX.
After not hearing from XXXX again after several weeks, I began calling. Once again I was advised the letter and documentation had not been received. Once again we double checked the mailing address with the agent and it was correct.
I asked to be connected with a supervisor and was told that was not possible unless I had a dispute number in their system.
I have made numerous calls and asked for a supervisor. Finally getting an agent to " look for one for me :. On the several times I called XXXX, I have literally waited hours on hold and no supervisor was ever " available ''.
Over the course of an additional few weeks, I did receive 2 calls from XXXX that I was unable to take at the time of their calls. The call back number always connected me back through the main dispute call center. I was told since they attempted to contact me twice and I was not available, I would have to begin the process all over. In other words, if a customer is not available at any unspecified time to take a call, after XXXX 's second attempt, the customer basically begins all over again.
This particular call back scenario happened exactly 3 times. I even received a letter from XXXX stating after numerous unsuccessful attempts to contact me XXXX not true ), they were denying my claim.
We are now reaching out to you in hopes to get this resolved. We have made every attempt to resolve this, first with the vendor, next with the credit card company. It is unfathomable that a company like XXXX 's would have such poor customer service.
|
| 08/14/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
I took out the Barclays Carnival credit card prior to my XX/XX/XXXX cruise. Once on board the ship my daughter and I utilized the spa. My daughter received a pedicure that was billed in the amount of {$80.00}. My credit card was billed on XX/XX/XXXX for the that charge. The day before we disembarked the ship ( Thursday XX/XX/XXXX ) at XXXX XXXX my card was charged again for this service. It is a duplicate charge in the amount of {$80.00}. I received a final statement prior to us disembarking the ship and this duplicate charge came AFTER I was provided my statement. On monday XX/XX/XXXX I reviewed my credit card statement and saw the second charge as well as an addiontal XXXX XXXX I immediately called XXXX XXXX line and the XXXX $ charge was corrected, however I was told the spa is a third party vendor and they could not refund me for that duplicate charge.
I then contacted Barclays Carnival master card and opened a dispute. I had XXXX email me an update copy of my statement where is showed the charge of {$80.00} that had been billed twice. I highlighted both charges and mail this to them per their request. several times over the last 4 weeks I have received vague calls or letters from the credit card company asking me to call in regarding the dispute. I have each time. After waiting on hold for very long periods, they always act like they have no idea why I was told to call in. Today however I received the news that they refused my dispute and will be making me responsible for paying this duplicate charge. They could provide no reason other than the two charges had two different time stamps. Of course they have two different time stamps - the card was ran TWICE for this service. I am extremely upset with the customer service and how this credit card company is allowing me to be fraudulently billed. I fully cooperated with everything they asked me to downs find it very suspicious that this is a " XXXX '' credit card and the fraudulent charge is for " XXXX '' however no one wants to do anything to fix it. The credit card company said contact the cruise line and the cruise line says the spa is not part of their ship ( even though they advertise it and offer incentives / promotions ). I would like advice on how to proceed since I have never been treated this way by a credit card company.
|
| 02/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American, Servicemember |
|
I have two credit card accounts. I have had them for several years and represent in total a credit line of {$30000.00}. I have used their auto bill pay services for these accounts.
As of XX/XX/2022, Barclays issued a automatic payment on one account of more than {$8000.00}. The normal reoccurring payments for this account were just a few hundred dollars. I contacted Barclays immediately by phone ( within 24 hours ) before the payment was processed ; I receive notifications in advance by email. They would not correct their error and reverse the payment.
I contacted my bank before they had processed the payment to have return the remittance advice. Allowing the payment to process would have started a waterfall of overdrafts and fees. The said they had to allow the payment to process but would reverse it expeditiously. Which the did.
Barclays subsequently canceled my autopay on all accounts; including the unaffected credit account. I discovered this in XXXX when my supposedly auto payment was processed. I incurred a late fee and a negative credit report.
I then contacted them several times ( seven ) by phone. They acknowledged the problem. I attempted to make significant payments {$10000.00} total but Barclays had blocked my bank account and could not find a way to unblock ( supposedly ). The payment on my other account came due and it went past due. This was three weeks after I contacted before several times.
As of now I have two credit lines on which I am being charged very high interest but Barclays wont accept my payments any longer. I have spent hours on the phone and several cases have been created but the management seems too busy to address on my numerous phone calls ( all incurring roaming charges for being out of country ).
The duration from the point of their initial failure to currently is two months. I have elected to make payments from restricted accounts of which incur fees.
I have no confidence Barclays will resolve. The are off the charts in terms of being difficult to business with and their lack of management is costing me significant time and money. I have taken the steps to redirect my business elsewhere because I am lucky enough to be able to. I feel sorry for others less fortunate and have to deal with the systemic management disinterest and XXXX fees.
|
| 03/23/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
XXXX XXXX from the office of the president for Barclaycard did reach out to me. However, she had left a voicemail and ever since then we have been playing phone tag. She also has n't paid attention to my request that I left in my voicemails. Because of my work schedule and the time zone difference, I had requested that she call me before XXXX. To me, that 's a small thing to ask.
After each voicemail I left her, I ended up having to repeat myself as to what times would be best to contact me, and I had to leave a voicemail quickly as I was using my break time to respond to her.
In my 2nd voicemail I left her I requested if we could communicate through email and I even provided her my email address. She responded to my email with a generic, robot-like response, only repeating what her office hours were and not at all like there was a human on the other end of that email.
I have since again, left her a 3rd voicemail!, requesting her to either let me know if she could take care of my request which is to have my online account closed! That 's all I 'm asking for! I even told her to please pull the information regarding the communication via secure email that I sent to have it closed. XXXX reps told me that it had to stay open for 7 years and another said for 6 months. I have had multiple banks and all of them allowed me to easily close my online account. Why is barclay being SO DIFFICULT!! I do n't need anything regarding my online account services and wish to have it closed for my protection!!
That 's all I 'm asking and it should n't be this difficult to get a response as to whether or not this can be done. XXXX XXXX shoud n't have had any problems figuring out what my issue was as I plainly listed it in my initial complaint. I 'm filing another complaint because of the way communication is being handled, the fact that she has n't bothered to really " listen '' to my voicemails, the fact that the email address she wrote me from was n't a direct email address to her and went directly to the call center email department and she did n't say that AT ALL in the email she sent.
I 've just had enough. All I 'm asking for is to have my online account closed and I 'm not taking anymore time out of my work day to return her calls since she ca n't respect the time that I have available to talk.
|
| 08/29/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I am writing to CFBP about Barclay Bank siding with the merchant about my dispute. Barclay bank expects me to pay for a scam. I have provided Barclay bank with full proof that I paid for a service that was not provided. I paid for a XXXX XXXX management program that can be paid monthly or full price. If paying full price the merchant promised to have new information released every month after the sign up date, which is the program I did and paid {$240.00} USD. I signed up for the program on XX/XX/2019 which means I should have three parts of the program already released. When I log into my account and go into My programs the page says " sorry we can not find this page. '' Please see document labeled exhibit A as proof. I do not have any access to the course at all. The merchant promised life long access on their website if the program is purchased in full. Please see document labeled exhibit B as proof ( Please note that the merchant changed the price for this program from {$240.00} to {$140.00} which is why the document shows a different amount than what I have paid. ) I did have access to the first part of the course my first month but after the first month I should have access to two parts of the course and by now I should have access to 3 parts of the course. As stated before they removed the program entirely. When I tried to contact the merchant after the first month which by then I should have access to the 2nd part of the course the merchant said I will have parts released month by month. It is now the third month and I do not have anything and the merchant stated they will not issue me a refund once started. Please see document labeled exhibit C as proof. I do not have any access to any parts of the program at all and I paid {$240.00} for nothing. Barclay bank sided with the merchant saying that the platform they provide the course on has a thirty 30 refund policy. On XX/XX/XXXX ( which is still within the thirty day period ) I contact the merchant to tell them that I did not receive the second part of the course, and the merchant purposely replied to me days later just so I am out of the refund policy. Please see document labeled exhibit D as proof. Barclay bank is not helping me at all with this issue after showing them full proof of me not receiving the service I paid for.
|
| 02/10/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
We applied for two separate XXXX Mastercards for XXXX XXXX and XXXX XXXX. The MasterCard promotion was offered through a link from the XXXX XXXX website ( See Attachment A ). The credit card promotion consisted of a {$100.00} Statement credit ( see attachment A ) with an annotation to see the Terms and Conditions to receive the {$100.00} credit ( see Attachment B & C " NEW ACCOUNT OFFER ). XXXX XXXX applied for the card on XX/XX/19 via the XXXX XXXX " Apply Now '' link ( also see Attachment A ) and received it on XX/XX/19. XXXX XXXX applied for the exact MasterCard onXX/XX/19 also using the XXXX XXXX " Apply Now '' link and his account was approved awaiting receipt of card.
XXXX upon receiving and activating the card sent an E-mail to Barclays Bank ( the issuer of the card ) confirming the {$100.00} credit for each of our XXXX MasterCard Credit cards as we were preparing to buy tickets for a flight on XXXX.
We received two replies from Barclay 's Bank.The first onXX/XX/19 the second onXX/XX/19 informing us that we ( XXXX and XXXX ) were not going to receive the {$100.00} credit as " we did not apply for the XXXX XXXX Master card '' ( See Attachment D & E ).
We contacted BARCLAY 'S Bank at XXXX and tried to resolve this issue. We conveyed to the Barclay 's Customer Service Representative that the link from XXXX XXXX for applying for the XXXX card ( promoting the {$100.00} statement credit ) automatically brings you to only one application process that being for the XXXX MasterCard. There was no other MasterCard offered except for the one we applied for and immediately approved for. The representative advised us that there was nothing that he could do reference the {$100.00} credit for each account.
We advised the Barclay 's Representative that we would consider filing a complaint with CFPB for the false and misleading MasterCard promotion.The Customer Service Representative indicated that Barclay 's would not credit our accounts for the aforementioned {$100.00} statement credit but we could earn miles if we spent at least {$1000.00} in the next 90 days. We advised him we would not have opened the XXXX Master card account if we didn't believe we were going to get the {$100.00} credit statement Following this conversation we did prematurely cancel XXXX XXXX MasterCard Account.
|
| 10/28/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau XXXX CFPB XXXX as a tool to streamline issues on credit reports that XXXX be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX
|
| 01/28/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I was sold a ticket for an event that advertised goods and services at specific locations. On the day of the event, I went to the check in locations and they were closed. I went to the other location advertised on the ticket sale, and the staff there told me the event did not exist. I also collected an email from that business that verified the seller had asked them to partner and hold and event, but that the business turned them down. The seller sold tickets with this company listed as a cohost when the event was never approved.
I reported this to my credit card company, Barclays, on XX/XX/XXXX. I sent Barclays a copy of the ticket page that had this vendor special on the ticket sale, a copy of the businesses email stating they never agreed to hold the event, pictures of the closed locations I could not access, and several other customer complaints that their tickets weren't honored and that businesses said they did not have an event. Despite the fact I did not receive the services I paid for, Barclays says the scammer sold non-refundable tickets. They said that even though the businesses were closed and/or verified they did not agree to hold an event- that I have no recourse because the ticket was nonrefundable. In addition, the Barclays employees have lied to me on several occasion by telling me my case was open... when it was not. I spoke with Barclays dispute team on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; each time I was told by a Barclays representative that they could see this evidence, that it was " strong evidence, '' that my case had been reopened, and that the delay in a resolution was due to the fact that the Dispute team was busy. When I called on XX/XX/XXXX I was told the case had never been reopened, but that all the documentation was still available. I was not provided a sufficient response as to why I was misinformed for the past several months. When I asked for information about submitting a complaint to investigate the Barclays employees, they told me Barclays does not have a legal department or HR department. When I asked for proof my complaint was filed, they told me they were not allowed to send it to me. Barclays is not using reasonable time or judgement to address my dispute, and they are withholding information from me that I've requested.
|
| 02/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
The AAdvantage Aviator Mastercard fraud team wrongly posted a {$4000.00} fraudulent charge from XXXX XXXX ( a company I have never done business with ) on XX/XX/2023, and are refusing to remove this charge, thus damaging the credit rating that I need as a woman-owned, minority-owned business.
AAdvantage Aviator Mastercard now refuses to characterize this charge as fraudulent ( after initially characterizing as fraudulent and crediting my account, they changed their minds and charged me again ), but I have yet to receive documentation of whatever it is they are relying on to arrive at this conclusion. This charge is fraudulent and must be removed. This situation has arisen entirely due to the company 's own negligence in posting this {$4000.00} charge from XXXX XXXX on XX/XX/2023 AFTER I notified them on XX/XX/1023 that my card had been hacked and XXXX XXXX had fraudulently charged me {$1000.00}. Because of that fraud, I closed my old account and had a new card mailed to me.
Despite my reporting the fraud and getting a new account number, Aviator Mastercard negligently posted a charge to my account, made on the old, compromised card number, EIGHT DAYS after I reported the initial fraud by XXXX XXXX. They should not have done that. How is that appropriately discharging their duty to me as a credit card company to protect my account?
I contacted XXXX XXXX on Barclay 's instructions, which was worse than useless ( see attached faxes to Barclay 's fraud team describing that interaction ). I have filed a dispute with XXXX XXXX also, both online and via mail. These charges are fraudulent.
Due to the company 's negligence in posting fraudulent charges from the same company and on the same compromised account number eight days AFTER I notified them of the fraud, and their unsupported refusal to remove these charges, I am now showing a balance on my credit card, which impacts my credit rating ( currently at 818 and 824 - I have a good credit rating and need to keep it that way to borrow for my business ).
I am begging for your assistance in getting them to immediately rectify their negligence and credit my account in the amount of the fraudulently-charged {$4000.00} so my credit rating as a woman-owned, minority-owned business can remain good. Thank you for your assistance.
|
| 10/30/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX
|
| 09/06/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bur
eau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX
|
| 12/05/2016 |
Yes |
|
|
|
Web |
|
|
I made a hotel reservation with XXXX on XXXX XXXX, 2016 for a travel date in XXXX 2016. A few days before my trip I called the hotel to confirm my reservation. I was informed by the hotel that the reservation made by XXXX had been cancelled and there was no current reservation on file. When I went to the XXXX website, I discovered that the homepage was now a blank screen with a notice that stated XXXX has filed for bankruptcy and is no longer in service and that " in most cases, accommodation reservations have not been paid and the booking is not secure. '' I checked my Barclay statement and noticed that the amount of {$410.00} was charged on XXXX/XXXX/2016 by XXXX. I quickly filed a dispute with Barclay ( Case No. XXXX ) in XXXX 2016 and received a response on XXXX XXXX, 2016. The notice stated that I would receive a provisional credit for the disputed amount, the merchant would be contacted, and if the amount will be rebilled, that I would receive another notice. I did receive a provisional credit from Barclay in XXXX 2016, but I never received the additional notice Barclay promised when my account was rebilled for the {$410.00} a few weeks later. I did n't understand why I was being charged the disputed amount when I provided all the required evidence Barclay requested to prove my service was never received from the merchant that issued the charge. I sent an additional statement to Barclay regarding my dispute with the XXXX charges ( dated XXXX XXXX, 2016 ) and asked Barclay to reopen the case, but received no response. I contacted the dispute center on XXXX XXXX, 2016 to follow-up and found that no progress has been made in settling this dispute.
It has been over 5 months since my initial dispute was opened and I have received NO communication from Barclay regarding its progress to resolve this matter. XXXX charged me for a service that was not received and has since filed bankruptcy. In fact, if the merchant 's website is visited, it clearly states that any reservations made with them are not secured or paid for. I do n't understand what other evidence Barclay needs to close this case. As a customer of Barclay, I would expect them to fight on my behalf against this type of fraud and financial abuse from merchants. Instead, they have neglected and ignored my claims.
|
| 04/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
To Whom It May Concern, XXXX XXXX XXXX, I called Barclays ' customer service to report fraudulent charges on our credit card account : XXXX ( XXXX ) charges for USD {$1700.00}, which appeared to have been initiated on XX/XX/XXXX, made to " XXXX XXXX ''.
For the record, we have never made any purchases with " XXXX XXXX XXXX online or otherwise, with our Barclays credit cards ; we never received a receipt for any purchases made, nor received any confirmation from Barclays or anywhere else, via email or otherwise, that any purchase was made to this effect.
When I called Barclays on XX/XX/XXXX, the same day the purchase was posted to our account, I was told the card would be canceled, the fraud claim would be investigated, and we would hear back in writing in XXXX days.
Also for the record, we have multiple chat transcripts, emails, and other records indicating the tickets in question were purchased without our permission by XXXX due to a system error.
It has been over 2 months, and it remains clear Barlcays is holding me, the cardholder, responsible for a vendor error.
These charges are not ours, and XXXX is happy to return the moneys, but as of today Barclays refuses to help XXXX return those moneys.
Since we can't seem to trust Barclays XXXX Customer Service or Fraud departments to do their job with integrity, we are writing because every single representative we have spoken with since initially calling about this issue has told us falsified or incorrect information, and now almost eight weeks after initiating our fraud complaint we still have nothing in writing from Barclays : nothing in the mail, no emails, nothing even on our account online, and literally no one at Barclays that we have spoken with can verify anything is being done to fix this problem.
It is clear that Barclays customer service has not done their jobs correctly, and that our claims that we did not initiate or complete this purchase are being ignored.
A successful resolution to this error will be for XXXX to return Barclays funds to Barclays ; my account ( ending XXXX ) to be closed, and a letter of apology sent to me and my wife for this despicable excuse for customer service.
We will appreciate nothing except prompt and proper resolution of this issue.
XXXX XXXX XXXX XXXX
|
| 10/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Dear Sir or Madam, I previously had a credit card ( cc ) with Barclays card. With that said, prior to XXXX of XXXX, I was never late on my payments. My payments were timely and when I asked for a credit increase, the request was granted.
In XXXX of XXXX, I filed a dispute for a charge on my account that was posted in XXXX of XXXX.
I continually disputed the fraudulent charges without success via emails and phone calls. In addition, the link on the website was not working and every time I spoke to employees about Barclays link not working, I never received any hard copies of the paperwork. Again, I continually asked for the documents to be sent to me via hard copy, but I never received, and I brought this to the attention of Barclayss card, and afterward, it was stated that the disputes were in review, and to date, no resolution.
To date, there has been no resolution on the disputes, and Barclays has reported on my cc three reports being 90 days late, one 60 days late, and one 30 days late for the same event. My understanding is that there should only be one ding on my credit report due to this all being the disputed issue. I called Barclays cc and requested the late payment notices be removed from my credit report and utilize the pay to delete and after being on the phone with XXXX, Customer Service for over 50 minutes then transferred to XXXX XXXX, Escalation Specialist, for about eight mins, all five late reporting are still on my credit report. Again, I called Barclays card on XX/XX/XXXX to request the items to be removed, but they stated they do not do a pay to delete, therefore the late statements are still on my credit report.
In addition, I paid for my cell phone bill w my cc, and one of the benefits of having the cc was that if a cell phone was broken or damaged, I would get reimbursed for the item, which I never did even after filing the claim two times. To date, there has been no positive resolution on this issue either. With all of that said, I did pay off the original balance of {$600.00} and when I did, I asked for a pay to delete, which was not honored by Barclays card. Ultimately, I would like for Barclays card to remove the late reports on my cc, honor the pay to delete and not have my payment listed as a settlement.
Thank you, XXXX XXXX XXXX XXXX
|
| 06/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Subject : Dispute of Inaccurate Utilization Amount on Barclays Account Dear Sir/Madam, I am writing to dispute the accuracy of the utilization amount stated on my Barclays account . The incorrect utilization amount has caused several negative consequences, affecting both myself and authorized users associated with the account.
Account Details : Bank Name : Barclays Account Number Ending : XXXX Disputed Information : Inaccurate Utilization Amount : {$3500.00} Explanation of Dispute : Upon reviewing my account statement, I noticed that the utilization amount reported by Barclays is significantly higher than the actual utilization of the account. The reported utilization amount of {$3500.00} does not reflect the true utilization, as the account has been responsibly managed and the actual utilization is significantly lower.
This inaccuracy has had a detrimental impact on various parties associated with the account, particularly authorized users who have experienced negative consequences due to the inflated utilization amount. This includes potential negative effects on their credit scores and the ability to access credit, despite the utilization being inaccurately reported.
I have contacted Barclays directly to address this issue, but they have been unresponsive and have not taken any action to rectify the situation. I have also submitted a written dispute to Barclays, providing evidence of the accurate utilization amount, but they have failed to make the necessary corrections.
I am seeking the assistance of the Consumer Financial Protection Bureau to intervene in this matter and ensure that Barclays corrects the inaccurate utilization amount on my account. I request that an investigation is conducted to verify the true utilization and that appropriate actions are taken to rectify the reporting error promptly.
I have attached supporting documentation, including account statements and any other relevant evidence, to substantiate my dispute. If further information or documentation is required, please do not hesitate to contact me.
I appreciate your attention to this matter and look forward to a prompt resolution. Thank you for your assistance in resolving this dispute and holding Barclays accountable for their inaccurate reporting practices.
Sincerely, XXXX XXXX
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| 06/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
Older American |
|
My Barclays Bank XXXX silver XXXX showed fraudulent activity. I reported this online. The company closed out the card, although this was not clear on the website. When the card was declined, I called customer service and was told that replacement cards for myself and the authorized user would be sent and that they would be sent be XXXX XXXX This was complicated by the fact that I am at my summer residence. I thought that we had resolved everything.
2 days later XXXX card arrived with my name ( no authorized user card ). I called and was told that the cards were shipped separately because that was the only way it could be done and the second card would arrive the next day. They also said that the cards would each have a different number so it was ok that I had activated my card. At the time, I didnt realize that both cards would be activated. I asked if the fact that the card had not been received but was activated would be a problem and I was told no. I changed all of my autopay accounts. The next day the second card did not arrive and my card was declined. I called again and the agent said she didnt know why this card was also canceled. I requested again that new cards be sent. 2 days later, a card came for the authorized user, but not for me. I again called, again was told card would come the next day. No card came. I called again and was told there was a glitch in the system. The problem was finally escalated to someone in security who agreed to send both cards together. They finally arrived, 10 days after this all started. The numbers on both cards were the same. It took XXXX phone calls to get the cards with extended periods of time on hold. Somewhere along the line, I was told I would be given a {$100.00} credit for my inconvenience. While this is not representative of the time and annoyance, it was a nice gesture. However, it has not appeared. What has appeared on my account was a charge for expedited delivery of my cards after I was told there would be no charge. This was removed, but required 45 minutes on hold.
I was given misinformation on every phone call and what should have been a simple, although regrettable, transaction became a nightmare. I would truly like an explanation for all of this as well as credit for all of the time and inconvenience to me.
|
| 08/29/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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I applied for a Frontier Mastercard in the last week of XX/XX/2019. I had to call after booking my flight because I was denied in the web application and I knew that was a mistake since my FICO and credit score were both very high and I always pay my bills on time. I was approved when I called and subsequently called back to make sure i was getting the advertised promotion, XXXX bonus miles after a {$500.00} spend within the first 90 days. I spoke to XXXX in the customer service department that day, who confirmed I would be getting XXXX bonus miles, he also confirmed the annual fee of {$79.00} ( which is fine ) and the {$100.00} flight voucher every year when reaching a minimum spend ... It's funny because I was also entitled to the flight voucher within 30 days but my card didn't arrive in the mail before my flight to XXXX XXXX so I basically had to forfeit my {$100.00} .... Already an annoyance but technically not fraud. The customer service agent on I spoke to about my XXXX bonus miles WHEN I OPENED MY ACCOUNT had an identifier of " XXXX '' ( named XXXX ) and I spoke to him at XXXX MST on XX/XX/XXXX via telephone. I asked if he would send me any kind of confirmation of the XXXX promotion and he said there would be no need. Great. Well, the liars and thieves at BarclayCard only gave me XXXX miles and said that was the promotion at the time I applied when I called them yesterday ( XX/XX/XXXX ). LIES. I want them to review the phone call and HONOR what I was TOLD when I called. They refused to let me speak to a supervisor yesterday, hung up on me, and then responded to my online complaint that I don't know what I am talking about. But I demand a transcript of my call with XXXX if they are not going to honor what was discussed. The current promotion is actually XXXX miles so really they're just being cheapskates by not giving me the XXXX. I was supposed to have gotten my first flight for free too ( well, {$100.00} off ... ) but I'm not even complaining about THAT since I get the card in the mail before my first flight so I'm not worried about that ( since those terms were not met ), but I am only worried about the XXXX miles being basically stolen from me and Barclays lying over and over again about it. This is so wrong and I feel so cheated and it is ILLEGAL TO DO THIS.
|
| 05/06/2016 |
Yes |
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Web |
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Near the beginning of XXXX of this year I setup my Barclay 's XXXX XXXX XXXX account to have the minimum payment due drafted from my bank account at XXXX XXXX XXXX XXXX on the payment due date in XXXX.
I forgot I had setup the auto draft and paid the minimum due on XXXX XXXX. On XXXX XXXX Barclay 's drafted my bank account for the minimum due resulting in the payment being rejected due to lack of funds in the account. I was in the process of changing banks and had very little in the XXXX account. When I saw the charge for the returned item by my credit union, I immediately went to Barclay 's website and cancelled the automatic draft. On the XXXX of XXXX, I receive a confirmation email stating that Barclay 's has canceled all future auto drafts. On XXXX XXXX, Barclay 's submits another draft to my credit union for the minimum due resulting in another rejection fee by my credit union.
When I called Barclay 's for an explanation and for an refund of the overdraft fees, they tell me that because the first draft was rejected due to insufficient funds they submitted it again. Even though I was informed by Barclay 's that no future repeat drafts would take place.
Barclay 's representative told me they have right to resubmit the request for payment. I asked about the email stating all future drafts would be stopped. The draft made on the third did n't count because it was still scheduled and even though all future drafts are cancelled, they still had to submit the draft as scheduled.
I think I should have all of my bank insufficient fund fees reimbursed for the following reasons.
1. On XXXX XXXX, I paid the minimum due. The auto draft was established to pay the minimum. The minimum due by the time the auto draft was to take place was XXXX 2. I received an email from Barclay 's stating all future auto drafts would be cancelled. The next draft that took place happened at a future date after being informed all future drafts had been canceled.
3. When asked, the Barclay 's representative could n't tell me where in the credit card 's documentation it explained the process they use once a payment is rejected due to lack of funds. My question is, if the representative does n't know where in the account documentation the process is stated how am I supposed to know about it.
|
| 02/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
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The level of incompetence from this financial institutions is unfathomable. I have spent hours upon hours on the phone for months with various customer service reps. trying to rectify matters after multiple fraudulent activity on my account occurred for a second time ( all from the same merchant ) .I paid off the balance for charges that I made in XXXX of XXXX. The first fraudulent activity occur in the summer of XXXX, but was resolved. The card number was changed and I locked the account immediately. However, I received a statement with additional fraudulent from XXXX in XXXX of XXXX, that I immediate filed a report with XXXX. XXXX reps. acknowledge that it is fraud and kept saying not to worry because they are aware of the situation and are working on resolving the matter. One rep. advised me to close the account, which I would be happy to do once the matter is resolved. The late fees have been removed for the past 2 billing cycles while they claim to be working on resolving the issue, but the credit bureau balance report includes a late fee and fraudulent charges. They made multiple excuses for why I can not speak with a supervisor and have disconnected me many times when I am waiting to speak to a higher up. Of course, they never call back when this occurs. This have been a repeated cycle of frustration since XX/XX/XXXX. However, knowing that this is fraud, that they claim to are behind in addressing claims, and that they told me to do nothing and give them time to correct the problem, did not stop them from reporting me to credit bureaus for non payment. Of course they told me that this will be reversed, but like all of their promises, they have non kept it. I should have never been reported for non-payment due to their negligence. This has dropped my score by more than XXXX points. My last call to XXXX was XX/XX/XXXX. I was promised that this matter would be resolved by XX/XX/XXXX and that I would be contacted by a supervisor as I have requested for months, because the supervisors were too busy to talk to me when I called. I will say that the reps. are polite and apologetic, but I need immediate corrective action not empty promises. I want my excellent credit restored and the fraudulent charges cleared. XXXX practices are unnecessarily and blatantly negligent.
|
| 03/27/2015 |
Yes |
- Money transfers
- Domestic (US) money transfer
|
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Web |
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On XXXX/XXXX/2015 I applied for the Barclay Platinum MasterCard credit card. It was a promotion to transfer a balance with 0 % interest for XXXX billing cycles. I requested a balance transfer of {$10000.00} from another credit card to the new Barclay MasterCard.
I received the new card on XXXX/XXXX/2015 with a credit limit of {$1500.00}. Because it was not the credit limit I was hoping for I did n't activate the card and was thinking about closing the account. On XXXX/XXXX/2015 I received an email that a {$1000.00} payment posted to the credit card that I asked the {$10000.00} to be transferred to. I still had n't activated the new Barclay card yet and was going to cancel it.
I called Barclay customer service and told them that the {$1000.00} was an unauthorized transfer and it happened without my knowledge or consent. They waived the {$30.00} transfer fee but told me that they could n't reverse the charges because it was already paid. I advised them that this was unauthorized transfer and that Barclay did it without authorizing it through me and did the transfer anyway and using an arbitrary amount of their own choosing and an amount other than what I agreed to on the application.
I said that since it was in my mind an unauthorized transaction the responsibility of it falls on them to reverse this transaction and the burden to send them money is not on me. They said no, it could n't be done because it already was processed. I requested the new Barclay MarsterCard account to be closed.
My point is that since my initial credit card balance was only {$1500.00}, which was way less than the {$10000.00} transfer amount that I requested that the transfer was not going to happen. Furthermore, I had not activated the card and was considering if I was going to keep it or not.
It is my view that Barclay acted on their own performing transactions without me knowing about it not verifying with me if these were my wishes. If they would have contacted me and asked if I still wanted to transfer a balance since my initial credit line was way smaller than the transfer amount I requested it would have had a very different outcome.
The Results I am requesting to resolve this complaint:XXXX ) Barclay to immediately reverse the {$1000.00} transfer with no cost to me whatsoever.
|
| 11/07/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
Our credit card company is not honoring its cardholder agreement, which states that the holder is not liable for unauthorized charges, as long as the items in question are pointed out to them.
In XXXX 2017, my XXXX-yr old husband took a 30-day free trial from XXXX XXXX XXXXor a product that promised to help him prevent muscle loss from losing weight per doctors orders.
He never received any product from XXXX XXXX, but numerous different companies with different addresses and brand names continued to send him products he never ordered. He tossed all the products sent to him into a box. In XX/XX/XXXXhe asked me why his XXXX XXXX XXXX XXXX balance seemed to be very high. I reviewed all the statements and found these various companies had all been charging large amounts for all this snake oil. I suspected that XXXX was selling his credit card number.
The sudden XXXX sent my husband to the hospital with a XXXX XXXX XXXX. After the immediate crisis was over on XX/XX/XXXX, I contacted the first merchant on the list and asked if they were sharing our credit card number. The agent told me they are all one company. When I asked for a refund of all charges and offered to return all their unused product, he hung up on me. This happened two or three times. I then contacted the credit card company to dispute the charges, report fraudulent activity, and give them my suspicions of the sharing of credit card information between companies.
They took down all the information and said it would take 30 days to investigate. They did not change the card number and unauthorized charges were again made on the account. The credit card company received a pile of poor copies from the merchants website and claimed since the merchant proved the charges were authorized they would not refund the charges.
Ive appealed this twice now and been put off 30 days each time. I pointed out that the printouts from the merchant did not show any evidence that my husband reviewed or selected any of their terms and conditions, etc. I finally had to demand that they change the card number, and they finally did so.
I think the merchant has been performing unfair, deceptive and abusive practices, and that the credit card company is aiding and abetting this fraudulent scam perpetrated against a senior citizen.
|
| 07/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I received an email from XXXX on XX/XX/2021, informing me that I am all set to earn XXXX additional points on everyday purchases ( earn an additional XXXX points for every {$1.00} spent on grocery store, drug store, and restaurant purchases, up to XXXX points, from XX/XX/2021 to XX/XX/2021, plus earn an additional XXXX points if you spend at least {$3000.00} on purchases from XX/XX/2021 to XX/XX/2021 XXXX.
The email did not provide me any link or option to activate the offer. The offer says Youre all set When I called XXXX on XX/XX/2021, to inquire about this offer I was told by the representative that I needed to activate this offer prior to XX/XX/2021. I explained that I never received any emails informing me about this offer until XX/XX/2021. How can I activate an offer I was not aware of?
After reviewing my account, the representative stated that he does not even see this offer on my account ( which further proves that I did not receive any emails to activate this offer ) and yet I received an email telling me that I am all set to earn XXXX additional points. The email expressly states that the advertisement/solicitation was intended for me.
I would have loved to activate this offer especially since I just started using my XXXX card again and made purchases totaling more than {$3000.00} from XX/XX/2021 to XX/XX/2021 XXXX promotional period ), which would have qualified me for the additional XXXX points.
I sent XXXX a detailed letter with a copy of the email included and respectfully requested that they review my account and confirm that I was never given an opportunity to activate this offer. If I had, I would have activated this offer and been qualified to earn an additional XXXX points based on my spending of over {$3000.00} from XX/XX/2021 to XX/XX/2021. I further asked that after they confirm that I was never given the opportunity to activate the offer, and that I had spent the qualified amount, to please give me the additional XXXX points that I believed was fair for me to receive based on the advertisement/solicitation I received.
In response, XXXX sent me a generic letter stating : " We are currently unable to complete your request. '' I would XXXX to honor the advertisement/solicitation that the email expressly states was intended for me.
|
| 08/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American, Servicemember |
|
My Barclays Mastercard ( from Barclays, XXXX XXXX. XXXX XXXX, XXXX XXXX. ) ending in XXXX was stolen from my wallet in a locker at an XXXX XXXX XXXX Pennsylvania recreation facility on XX/XX/2022. The card was one of four credit or debit cards stolen fro my wallet, Expenditures were made on all four cards by the thief the same day including a {$3600.00} expenditure at the XXXX store on the XXXX card. I reported the theft to all four credit card companies, as well as to the XXXX XXXX XXXX Police Department the same day. Three of the credit card companies gave me credit for the expenditures made by the thief. However, Barclays XXXX XXXX XXXX XXXX MasterCard Account has told me that I am responsible for expenditure by the thief.
Barclays initially issued me a provisional credit to my account for the full amount of the expenditure but later reversed its decision and placed the amount back on my account. Barclays letter dated XX/XX/2022, stated that the expenditure by the thief was valid because " the card was identified as being in your possession and chip technology was used, which can not be counterfeited. '' I have been attempting to get Barclays to remove the charge since then. XXXX XXXX XXXX of the XXXX XXXX XXXX Police Department telephoned Barclays on or about XX/XX/2022, on my behalf to report the theft of my credit card. I faxed to Barclays on XX/XX/2022, a report from the Chief of Police of XXXX XXXX XXXX Police Department confirming the theft of my Barclays card and the {$3600.00} charge made while it was stolen. Nevertheless, I have been unsuccessful in getting Barclays to apply their advertised policy of not requiring payment by their card holders of stolen or fraudulent expenditures.
I have telephoned Barclays fraud investigation unit on numerous occasions to plead my case. I talked to, among others, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX on XX/XX/2022. I have been told someone will contact me after a review of the case, but no one ever calls back.
I would appreciate any assistance that you can provide to require Barclays to acknowledge that I have no responsibility for the XX/XX/2022 charge of {$3600.00} at the XXXX store that I did not make as the charge was made by a person who stole my credit card.
|
| 11/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with cash advances
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|
Web |
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I have NEVER been so DISAPPOINTED with ANY COMPANY as I currently am with Barclays.
On or around XX/XX/XXXX I requested a cash advance offer from Barclays for {$10000.00} with a ( 3 % ) {$300.00} service fee. On or around XX/XX/XXXX I then received a request from Barclays to call in about suspected fraud on my account and that all my cards were locked until I called in... all to be put through the very painful process of verifying via the phone tree and then in person, my identity and to confirm I had indeed requested the {$10000.00} advance Barclay 's offered me " for my protection '' which btw was/is a load of XXXX, its was for the bank 's protection, not at all for my protection.
Now, here 's where it gets better ... Barclays then screws up the {$10000.00} advance and instead hits me with {$30000.00} in advances on my credit and {$900.00} in fees because I have ( 2 ) additional authorized users on my account. Mind you all the while Barclays only ever deposited {$10000.00} into my checking account.
This then overdrew my available credit and forced me to close down ( thankfully ) another open Barclays card with a {$12000.00} credit limit, and I had and to shift that available credit limit over to BARELY cover BARCLAYS MISTAKE!!!
On Mon XX/XX/XXXX I was told by Barclays " this will take 1-2 week to remedy ''.
Then my credit cycle refreshed on XX/XX/XXXX, and my credit score has now taken a 45+ point nosedive because of BARCLAYS MISTAKE.
Today ( 15 days later after being told XXXX weeks ) Tuesday XX/XX/XXXX when I called in to discuss why BARCLAYS MISTAKE hasn't been rectified I am now being told it will now take 1-2 BILLING CYCLES to fix.
Lastly, XXXX currently has a promotion to obtain Base Points towards MOSAIC status, something I am about to lose, by spending {$15000.00} on my card from XX/XX/XXXX to XX/XX/XXXX... XXXXbut of course now, I can't do that, because BARCLAYS MISTAKE has not only crashed my credit rating, but additionally artificially hamstrung my available credit limit until close to XXXX.
And I haven't had 1 person BARCLAYS who could make me feel comfortable that ANYTHING will be done to rectify BARCLAYS MISTAKE or make any minimal accommodations for what is just been an ABSOLUTELY AWFUL, WOEFUL, PITIFUL customer experience.
|
| 01/15/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American, Servicemember |
|
On about XXXX XXXX I ordered a XXXX/XXXX XXXX XXXX XXXX, through Barclays Bank.
I was accepted. Apparently the offer resulted from a cruise I bought. My troubles began when without permission, before I got a chance to pay my down payment my card was charged {$580.00}. I told the bank that I would rather pay with another credit card that had a lower interest rate. They denied me that opportunity. I filed an unauthorized claim with Barclays and they ignored until today that request and not even sent me a letter considering the unauthorized charges. I paid the unauthorized charges with another credit card whit a lower interest rate.
I got sick of their rude customer service, and at times I felt that the XXXX XXXX line was answering, since they are colluded somehow with them, to the point that i was in disbelief of the offensive treatment towards me.
My new set of troubles continued when around XXXX XXXX or XXXX XXXX, I tried to cancel my credit card. I called one afternoon around XXXX, XXXX, XXXX, XXXX, and all those times they told me that " the system was updating and they could not cancel my card '' .I was told to call next day.. At the XXXX call, I asked for a supervisor, and was on hold for about 33 minutes, but one never came on the line. Next day I started calling from the morning and each time the question came up : " what is the reason you want to cancel your card or close it '' I told them that I would pay my cruise with another card, cash or debit. ( the remaining balance of the cruise ). They felt offended and kept telling me that " their system was updating '' and " can not close the account right now ''. This went on for another three clerks that I called. Every one of those clerks hesitated or did not want to transfer me to a supervisor until finally one came on the line by the name XXXX? XXXX? and told me the same story of the system updating updating. I asked her if I could close the account via fax, and finally she said, after all this harassment, she would close it. It took many hours of precious time, arguments for a simple transaction. I got sick to my stomach with this customer service treatment. My account was paid and up to date and even got a {$19.00} refund in over payment. Please find a way to fine or sanction this company.
|
| 08/07/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
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On XXXX XXXX, XXXX I received an offer from Barclays Bank for XXXX bonus miles. The offer said : SPEND {$2500.00} or more.using your XXXX XXXX XXXX XXXX each month from XX/XX/XXXX through XX/XX/XXXX and youll earn XXXX bonus miles ( Slide 1 ) I went online to sign up for the offer and received the message : Register now to earn XXXX bonus miles when you SPEND {$2500.00} or more in purchases every month from XX/XX/XXXX through XX/XX/XXXX ( Slide 2 ) They now refuse to give me the miles because they argue I spent {$2300.00} and not the required {$2500.00} in XX/XX/XXXX ( Slide 3 ). A look at my credit card statement shows they recorded purchases from XXXX for {$93.00} and XXXX for {$71.00} on XX/XX/XXXX and XXXX for {$50.00} on XX/XX/XXXX. ( Slide 4 ). I went to my accounts with the above mentioned companies. Slide 5 shows that the XXXX payment ( see more about this payment below ) took place on XX/XX/XXXX and was processed on XX/XX/XXXX. Slides 6 and 7 show that the XXXX and XXXX payments took place on XX/XX/XXXX. If we add these payments to my XX/XX/XXXX totals, I did SPEND over {$2500.00} ( $ XXXX+XXXX+XXXX+XXXX= {$2500.00} ). I took a screenshot of my account ( Slide 8 ) on XX/XX/XXXX at XXXX. It shows available credit for {$16000.00} on revolving line of {$19000.00}. That is because I was SPENDING money to make sure I met the threshold, which I did ( $ XXXX- $ XXXX= {$2500.00} ). On XX/XX/XXXX, I contacted the bank regarding the transaction dates ( Slide 9 ). The CSR acknowledged that the transaction, authorization and posting dates may be different. In fact, slide 5 shows that I made the XXXX payment ( SPENT ) on XX/XX/XXXX which they processed on theXX/XX/XXXX. Slide 8, which is from the bank web page, shows they received a request for a temporary authorization on XX/XX/XXXX, but they registered the transaction on XX/XX/XXXX ( Slide 4 also from the bank ). Three different dates for the same transaction, a 2 day lag between the day I SPENT the money and the day the bank recorded it. I faxed the appropriate information to the bank on XX/XX/XXXX, contacted them on XX/XX/XXXX and then called them on XX/XX/XXXX. They refuse to give me the bonus miles. I can control my spending, I can not control when the merchants or the bank register my spending.
|
| 08/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
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Web |
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I am the victim of a sophisticated fraud perpetrated by my ex wife XXXX XXXX against me over the life of our marriage. I have consulted with local authorities and with legal counsel, and I have been advised that my rights under the consumer protection statutes at both federal and state level are applicable here. However, after notifying Barclays Bank of the fraud discovered, they allegedly conducted an investigation and decided to ignore my rights under the law that protect victims of Identity Theft. I understand that the circumstances are not your cookie cutter, cut and dry identity theft - however if you look at the totality of the situation- I never benefitted, authorized, or was aware of any of these accounts opened, maintained, and used in my name. My signature was forged, in every single instance that the cards were used. Payments were made from an account not under my name. The forgery and deceit is of the highest level, and I have stated numerous times that I am willing to cooperate with and assist with any prosecution for forgery, fraud, and ID theft charges that should be levied on XXXX.
Pursuant to the guidance issued by the CFPB and The Federal Trade Commission, I have included my law enforcement report and my notarized Fraud Affidavit in this complaint. This ID theft report has been provided to all my creditors, however Barclays Bank is choosing to ignore the facts and reach a conclusion against me, the victim of a sophisticated Fraud.
Barclays has been provided with a legal notice summarized here : " Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). '' They have failed to abide by those requirements and more, and therefore leave me no choice but to pursue assistance from the CFPB in order to resolve this fraudulent debt against me.
|
| 12/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
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Web |
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I am beside myself. I have been working on repairing my credit for several years. I had XXXX Barclays credit card left over that was sold to XXXX XXXX XXXX , XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX. Phone number XXXX. I have read terrible things online about this debt collector, especially that they try to collect on debts that are not existent. I have received many scam phone calls and letters over fake debt in the past, so I am very careful. I have called this company repeatedly and there call center is outsourced to XXXX. The representatives do not listen, they just keep repeating the account number and the debt amount due. It is my full intention to pay this debt and have offered so to this company. I am the one calling the debt collector trying to pay the debt off. I did not have a payment plan with them and I have made XXXX payments to them since I received their first letter. Payments have been made XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. I have offered to make another payment this month, XX/XX/XXXX but they said there is not a payment due until XX/XX/XXXX. They are now reporting to all XXXX of my credit bureaus that my account is seriously past due and that I have not paid for over 120 days or have missed 4 payments. When I spoke them today, XXXX/XXXX/15, for the second time, ( put on hold and transferred to multiple people for over 45 minutes on each call ) they said they do not report late payments, but I am looking at my credit reports with the XXXX bureaus saying they stated the above. My credit went down XXXX points overnight from them hitting my account besides the initial hit on the original debt from Barclays. Please help I am trying everything and paying these people at the same time. They are reporting derogatory to my credit every 2 weeks which I can see since I have credit monitoring. On today 's phone call they said they would send another report to the bureaus which would still say the same thing about being past due and I am not past due. I must not be the only one this is happening to. I am so distraught, I am pregnant and we are trying to buy a house and this debt collector has free reign to do whatever they want with my credit while I am paying them. This has to be against the law.
|
| 03/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I made a purchase on XX/XX/2022 in the amount of {$8700.00} to XXXX XXXX XXXX.
- on XX/XX/2022 I received an email from XXXX XXXX XXXX letting me know that they were no longer doing business, and advising me to contact their insolvency firm to deal with the matter - after several contacts, it became clear that XXXX XXXX XXXX would not reimburse us with any funds.
- on XX/XX/2022 I faxed a letter to I made a purchase on XX/XX/2022 in the amount of {$8700.00} to XXXX XXXX XXXX.
- on XX/XX/2022 I received an email from XXXX XXXX XXXX letting me know that they were no longer doing business, and advising me to contact their insolvency firm to deal with the matter - after several contacts, it became clear that XXXX XXXX XXXX would not reimburse us with any funds.
- on XX/XX/2022 I faxed a letter to Barclays AAdvantage Mastercard credit card with corresponding documentation on explanation letter - Barclays AAdvantage Mastercard first declined the reimbursement with excuse that I had payed the bill for the subject from my checking account - it was explained to Barclays AAdvantage Mastercard that the bill was payed before XXXX XXXX XXXX advised us that they would not fulfil the service that i had payed for - Barclays AAdvantage Mastercard the changed their story and advised us that because the claim was filled as a " fraud '' - even though it was clearly stated in the faxed letters that the claim was a " dispute '' - that Barclays AAdvantage Mastercard would refuse to reimburse me for the purchase.
credit card with corresponding documentation on explanation letter - Barclays XXXXvantage Mastercard first declined the reimbursement with excuse that I had paid the bill for the subject from my checking account - it was explained to Barclays AAdvantage Mastercard that the bill was paid before XXXX XXXX XXXX advised us that they would not fulfil the service that i had payed for, I always pay my statements in full in order to avoid interest and late charges - Barclays AAdvantage Mastercard the changed their story and advised us that because the claim was filled as a " fraud '' - even though it was clearly stated in the faxed letters that the claim was a " dispute '' - that Barclays AAdvantage Mastercard would refuse to reimburse me for the purchase.
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| 09/06/2023 |
Yes |
- Credit card
- Store credit card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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Dear Consumer Financial Protection Bureau, I regret to express my dissatisfaction with the Barclays Bank credit card service. My recent experience has left me profoundly disappointed, and I feel compelled to share my concerns.
Firstly, I encountered a significant issue when my initial credit card failed to arrive. To exacerbate matters, I discovered an alarming {$1000.00} in fraudulent charges on my account, despite having only authorized a {$55.00} purchase. This situation prompted me to contact Barclays Bank customer service, and regrettably, I found myself subjected to extended hold times during these calls.
Subsequently, Barclays Bank issued a replacement credit card on Monday, XX/XX/XXXX, and I promptly reported the fraudulent charges. I was assured that the new card would arrive the following day, Tuesday, XX/XX/XXXX. Unfortunately, it did not arrive as promised. My frustration grew when I called again, only to be informed that the card would be delivered today, Wednesday, XX/XX/XXXX, which, once again, did not happen.
I must emphasize my disappointment with the lack of communication from the institution throughout this ordeal. I have yet to receive any notifications via email regarding the status of my credit card delivery or the resolution of the fraudulent charges. Such notifications are fundamental to a professional and reliable banking service.
This unfortunate experience has compelled me to question the professionalism and reliability of Barclays Bank and GAP Credit Card. It is the first time I have encountered fraud, and I find myself reluctant to recommend this bank or its credit card services to anyone based on this distressing encounter.
I requested Barclays Bank a prompt resolution to this matter, including the delivery of my credit card and the resolution of the fraudulent charges. Clarity and transparency in your communication would also be greatly appreciated.
I kindly request that Consumer Financial Protection Bureau investigate this matter promptly and take the necessary steps to rectify the situation. I also request that you keep me informed of the progress and resolution of this complaint.
Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution.
Sincerely,
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| 10/15/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American, Servicemember |
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Our XXXX MasterCard which is backed by Barclays was hacked after one {$37.00} purchase to XXXX was approved on XX/XX/18. After this approximately, {$40000.00} in fraudulent charges ( from XXXX and a few other foreign countries ) were approved from XX/XX/18 through XX/XX/18 by Barclays ( a total of 471 charges ) in about a two week period. We did not notice the charges until we received our bill in XX/XX/2018. We began disputing these charges on XX/XX/XXXX with six different customer service agents who gave us six different answers. Supposedly we were issued another credit card, which was not received. Barclays continued to increase our credit limit in order to approve the disputed charges, from {$26000.00} to {$50000.00}. We continuously disputed these charges ( correspondence attached ) and after review by a staff member in the Office of the President, we were told that they did not consider these charges fraudulent since the XXXX charge in Oklahoma was approved, it meant that any XXXX charges were approved. The office said that it was up to Barclays to continually increase our credit limit even if it surpassed the amount we could afford. XXXX was contacted and told us the card should not have been connected to the account that the charges were against because it was not the owners, however the account has been hacked and is no longer able to be controlled by the owner. XXXX said that Barclays had to reject the charges, which they refuse to do. We are retired and can not afford over $ 1,000/month to pay this balance off and which we will not pay since it was due to criminal activity that Barclays refuses to credit back to our account. Our credit history proves that we did not have a history of making such purchases. We did receive letters from Barclays in XX/XX/2018 admitting that the account seemed to be inaccurate, but Barclays refuses to admit it was their error and the charges should be credited back to our account. Barclays is not customer friendly and will not admit that they mistakenly approved these charges above our credit limit. Similar charges to another credit card were investigated by the bank from which that credit card was issued and were credited back to our account, proving that these types of charges were fraudulent.
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| 07/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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XX/XX/XXXX I set a prepayment with XXXX XXXX CC and I received a confirmation of the autopayment. XXXX payment schedule confirmation emails do include the amount of the payment.
XX/XX/XXXX I received an email confirming payment has been received.
XX/XX/XXXX, my bank informs me there were two attempted transactions that exceed the balance of my checking account, remit on XX/XX/XXXX and XX/XX/XXXX. I determine that XXXX was processing a payment for the entire balance of the card. It was never my intention of paying the full amount. I log into XXXX website on XX/XX/XXXX and submit a one-time payment to above the minimum payment due. I note there is no autopayment set for any amount.
XX/XX/XXXX I receive written notice from XXXX via USPS that there was a insufficient payment on a XXXX payment attempt and that there will be a second attempt on XX/XX/XXXX XX/XX/XXXX I receive written notice from XXXX via USPS that there was a insufficient payment attempt on XXXX and I will be assessed a {$50.00} insufficient fund fee.
XX/XX/XXXX I receive written notice from XXXX via USPS my credit limit has been reduced due to insufficient payment and my credit line has been reduced XX/XX/XXXX I called XXXX customer service explain I never intended to pay the entire balance on XXXX, and I would have adjusted the payment amount had their email confirmation alerted me to a payment problem instead of communicating the a successful payment. Customer service declined to respond to concern of misleading communication and explained they could not remove the fee nor remove the adverse impact on my credit report. Customer service explained I could only resolve the adverser credit reporting and reverse they fees through written dispute directed to FCRA. I replied this response was insufficient as this conflict would have been resolved had electronic communication been not been misleading and I had been setup to fail by a lack of transparency.
I requested assistance in paying the full amount over the phone and closing my account. Customer Service acknowledged my ask and assisted me in setting up an one-time payment for the full balance of the card and closing the account.
I noted in the final one-time balance, the dollar amount was clearly listed.
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| 04/23/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
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In XXXX of XXXX I made a balance transfer from Barclays XXXX XXXX Credit Card to my husband 's XXXX Credit Card in the amount of {$8000.00}. This transfer was processed and paid by XXXX Credit Card and it was cashed and cleared by Barclay 's on XX/XX/2019.
I checked my Barclays account in XX/XX/2019 only to find that the {$8000.00} had never been credited. I called both Barclays and XXXX Credit Card. XXXX told me that the check had been cashed. Barclays told me to wait 10 more days and call back.
Since that time I have been on the phone and in Live chats with Barclays for hours upon hours as the months have passed. They have continued to request information from me and XXXX Credit Card, all of which has been provided on 4 separate occasions to the fax and the address that they supplied ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ). When I call to see if they have received the information they tell me they aren't able to give me any information because a different department deals with the investigation. They then tell me I have to wait 30-45 days. After 30 days is up they close the 'investigation ' and state that they never received the information. I am then forced to open a new investigation.
Now when I call they tell me that things are slow and they are understaffed because of COVID-19. I have spent 2 and a half hours on hold on two separate occasions.
At this point I have spent six months trying to get the {$8000.00} off of my account. They received my money, deposited the money on XX/XX/2019, yet they have no idea where the money was placed. I have repeatedly asked them to freeze my account until they figure out where they misplaced my money. Currently they are sending me emails telling me that my payment is overdue. They have charged me interest and late fees on the {$8000.00}.
At this point my frustration level is very high, as I have spent countless hours on the phone with them, only to get the same answer. XXXX Credit Card has continued to send the information they have asked for, and I have begun to fax the information they have asked for as well. XXXX has faxed and mailed the information now 4 times- they have record of faxing it- and I have now faxed it over to them twice- I also have record of faxing it to them.
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| 12/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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I took out a XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Barclays. When I had difficulty working with the website to pay my bill, I sought help via their customer service phone number. They couldn't help me with my password or user name. They couldn't help me access the account. So, I told them I wanted to cancel the account since it was difficult to use/manage and asked for the outstanding balance of {$180.00}, which I paid, over the phone, on XX/XX/2022. ( BTW, I pay all my bills and do all by banking online. I know how to use these systems, but theirs just doesn't work. ) Then, on XX/XX/XXXX I received an email saying that I was behind in my payments.
I contacted them by phone on XX/XX/XXXX. They told me I had a balance of {$9.00}. This balance was due to an interest charge of {$1.00} on the final balance I had paid off when I cancelled the account on XX/XX/2022. In the intervening months, late fees and interest charges accrued totally {$9.00}.
I don't think I should have to pay these late charges or interest. Maybe I do need to pay the {$1.00}. But even if I pay the entire balance, how do I know this will end? I could pay the entire {$9.00} right now only to find in a few months that I owe them another {$20.00} for interests and late fees they charged on the {$9.00} balance.
The account is closed. I have no access to it. They have sent me no paper bills, but even if I pay the bills, then they just charge me interest on the previous balance. It never ends.
I tried to get the charges removed by calling the customer care people. Three people put me on hold, then after several minutes, they hung up on me ( while I was on hold ). The customer service people seem to mean well, but the system is rigged to keep robbing you even after you close the account and pay of the balance since they charge you interest on whatever balance you had when you paid it off to close the account.
No one will help me. All I get are some XXXX people at a call center in XXXX, but they can't do anything. They told me to call the number on the back of the card but I threw away the card when I cancelled the account and none of them can give me the number I need to call.
It's hard not to think XXXX is just running a scam. Does XXXX know about this?
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| 03/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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I have had several issues for months. For some reason other than non-payment the account was closed and I was never informed. Barclays has a policy that once the account is closed you do not continue to have online access. I had always made automatic payments and was able to review my account statements on line. There was a period in which I was never notified and did not and still do not receive paper statements.
On XX/XX/23 spoke to row different operators OP XXXX XXXX on a recorded call XXXX XXXXXXXX then transferred to the manager who would not identify herself with operator number name XXXX on recorded call XXXX XXXXXXXX.
Through this discussion they acknowledged that I had no access to my online account they had stopped sending statements. Because the stamens stated the options to pay was through their online account, send a check and or use their IDR system.
Apparently I do to use to receive emails saying to go paperless and sign up for the online access but company policy does not allow closed accounts to have online access. Every month I have to call to make a payment and I have had several issues even accomplishing this. I have to go through 3-4 transfer to different operators and then end up having to speak to an account manager specialist. Its exhausting having to repeat and repeat same identifying information to each operator. Besides being obnoxious and repeating myself with the same information to each.
I can not set up a recurring payment, I can not have an online access to make payments. Every time when and if I get a statement the options to pay are not valid. Statement says online payments, over the phone and via check. I have always paid thru online system and now they are requiring me to change after 7 years with this account.
I have been reported to the credit bureaus for delinquent payments and their system is set up so that they came excuse themselves saying their is a system update when payments are due to force a late payment fee.
I just want my online access to review what they are charging me and make my payment online like I always have and not have to go through leaps and bounds to make a simple online payment.
They are making it so difficult for the consumer just to make a payment.
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| 02/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Servicemember |
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I am in the XXXX and had just moved to Florida in XX/XX/2018. I am ashamed to say thay we were naive to be con into this vacation club/timeshare.
My wife and I had two credit cards opened in our names while starting this membership that we found out about around 2 weeks later. The day which i believe was XX/XX/2018 we went to a presentation. The manager and sales rep had us fill out paperwork, including a credit application. Now we know at this time, our information was being used to apply for credit cards. This entire process of us starting this membership was expedited due to the time constraints of us having to pick our daughter up from school. When my wife received the cards in XX/XX/XXXX, she called me while I was at a military school in Florida and told me about it. I immediately called the credit card company which should be on their phone records and under my account acquiring about these cards and how to go about disputing the charges. I tried to contact the sales representative and other reps in the company before the cards came and letting them know i wasnt happy with this membership. i have a track of emails dating back a year from me trying to cancel this membership. the only reason the card charges weren't disputed in XX/XX/XXXX was because the membership was still active and we didnt want thia to backfire on our credit. Everytime we would reach out to the company regarding cancelling this membership, they would tell us " we NEVER had anyone cancel and how great the travel opportunities are. We would always ask to speak to the next prrson in the chain of command. after a year and threating to hire a lawyer i was consulting with, they agreed to cancel the contract. We let them keep over {$1000.00} dollars that came from our babk account. Now, they are trying to keep the credit cards money as well. We never verbally told them they could take this money off of the two credit cards they applied us for or we didnt sign a receipt with the credit card information from either card. We were told what our monthly payments would be and that they would come off of my debit card. There were NO services or Supplies rendered for this company to steal and gain a free {$6700.00} dollars in profit from this credit card company.
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| 07/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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I received a billing statement from JetBlue Rewards XXXX. I do not have a XXXX, nor have I ever applied for one. The statement I received is clearly labeled " Statement '', it is not a marketing brochure. There is an account number on the statement and it was sent to my name with correct mailing address. There was a {$59.00} charge from the previous billing cycle, which was also credited back. There is no balance on the account. I called XXXX immediately as I thought someone had fraudulently opened an account in my name. They asked for the last four digits on my account. It apparently is/was an open credit card. They ( XXXX ) also had the last four digits of my social security on file. The first person I spoke with at XXXX told me they would transfer me to their security division. I was on hold for an hour and a half. I contacted the main number for XXXX again and explained my problem. They told me there was no one available that I could talk to. They also told me that my account was closed last month. I asked them who opened the account and who closed it, as I did neither. She could not tell me. It seems to me that XXXX fraudulently opened this account or that this " statement '' that was mailed to me as a marketing gimmick. Isn't this the same thing that XXXX XXXX did? I am furious. I do not have a XXXX, did not apply for one, yet an account was opened and a statement sent to me even though no card has ever been sent to me. When I asked XXXX if the account was closed by their security team because someone fraudulently opened it, they could not give me an answer. I asked them if I have never reported that I thought the card was opened fraudulently, who closed the account and why? There was no activity on the card ( and I have never been sent a card ) so it is illogical that their security team would have closed the account without talking to me or verifying this. I am a woman in her late XXXX and I am pretty sharp. What angers me most about this is I know my elderly mother receives similarly misleading marketing material and it is confusing and deceptive. This has to be regulated. This particular scheme seems completely illegal. Is XXXX allowed to open an account in my name without my permission an then send me a statement?
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| 03/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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XXXX XXXX XXXX canceled my XXXX XXXX cruise and gave me a credit for {$390.00}. On XX/XX/XXXX, Barclay sent me check # XXXX. I misplaced the check so I asked Barclay to send a replacement check for {$390.00} on XX/XX/XXXX. On XX/XX/XXXX the they stopped payment on that check but I did not find out until XX/XX/XXXX. Then on XX/XX/XXXX they sent me a check for {$70.00}, check # XXXX. I have no idea where that amount came from since I was expecting the check to be {$390.00}. I deposited that check thinking it must have been an overpayment for something else. I got a notice from my bank XXXX XXXX XXXX that the check for {$70.00} XXXX XXXX ) was returned due to a stop payment on XX/XX/XXXX. My bank charged me {$10.00}. On XX/XX/XXXX I again sent a message to Barclay telling them that the check I received was not the amount I was expecting. I then called Barclay customer service and the person I talked to apologized and gave me 100 points for that bank fee of {$10.00}. She also said they were going to replace the check I lost and confirmed it was going to be {$390.00}. This occurred around the end of XX/XX/XXXX. On XX/XX/XXXX there is a credit for & XXXX and then on XX/XX/XXXX they sent me another check for the same amount of {$70.00}, check # XXXX. I still have this check and did not deposit. I once again called them about the {$70.00} and again said the check was suppose to be for {$390.00}. I was again told that I would receive my {$390.00} check on XX/XX/XXXX. I received a check for {$130.00} - no idea what this bank is doing to me! On XX/XX/XXXX I found the missing check for {$390.00} and not realizing that a stop pay had been put on it I deposited it and again it was returned by my bank, charging me another {$10.00}. I feel I am getting nowhere with my requests since this has been going on for 5 months. I have made numerous calls to their Customer Care department asking to speak to managers about this issue. Even the managers told me I was going to get a check for {$390.00}! Barclay can check my call records showing the above.
So on my statements are these amounts XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( {$70.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ) XX/XX/XXXX XXXX idea what this is for!
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| 03/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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A couple of days before my XX/XX/XXXX, statement generated, I contacted Barclays Card to alert them to SIX identical fraudulent charges from XXXX, each in the amount of {$100.00} that had been made to my account in XXXX. ( On XX/XX/XXXX, 3 fraudulent XXXX charges of {$100.00} each posted. On XX/XX/XXXX, 3 MORE fraudulent XXXX charges of {$100.00} each posted. ) Before I contacted Barclays, but without ever notifying me of any breach, Barclays had already reversed THREE of those six fraudulent charges, but the bank has so far not reversed the THREE REMAINING fraudulent XXXX charges. Throughout the month of XXXX, I made multiple phone calls to Barclays to explain that they needed to reverse ALL SIX of the fraudulent XXXX charges that had been made in XXXX, not just three of them. It was obvious that the customer service representatives I spoke to each time did not have a fluent command of English and seemed to have trouble understanding the issue and lied to me, claiming the matter had been solved. In late XXXX, two different representatives wrongly claimed that the matter had been resolved on XX/XX/XXXX, and claimed that my online account interface was displaying different information as the reason why I was still seeing three fraudulent XXXX charges on my account. As a result, I decided to wait for my XX/XX/XXXX, statement, hoping it would no longer display the amount of the three remaining fraudulent charges from XXXX XXXX. Unfortunately, my XX/XX/XXXX, statement continues to show a balance due that includes the remaining three fraudulent charges from XXXX. The statement also shows that, while Barclays credited back three XXXX charges on XX/XX/XXXX, they also RE-BILLED me for those SAME three fraudulent charges that same day, XX/XX/XXXX, thus cancelling out any credit they may have tried to issue for those last three fraudulent charges. Immediately upon receiving my XX/XX/XXXX statement, I made a payment to cover the single charge of {$170.00} that I made during the most recent billing cycle. As a result, once Barclays refunds the remaining three fraudulent XXXX charges, which amount to {$320.00}, I expect to receive confirmation of a XXXX balance. Unfortunately, Barclays has refused to take steps to resolve this matter.
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| 03/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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Consumer Finance Protection Bureau : I am submitting a complaint against Barclays for erroneously holding me responsible for fraudulent charges on my credit card. The attached documentation shows that I was not present in the location where the fraudulent charges were made on the dates they were made. I attempted to resolve the matter directly with Barclays with no success.
The fraudulent charges totaled {$680.00} and were made between XX/XX/XXXX - XX/XX/XXXX in XXXX, LA. I was not in Louisiana during that time. The attached hotel receipts and credit card statements prove that I was in Texas during the entire date range when the fraudulent activity occurred.
As I explained in my letter to Barclays dated XX/XX/XXXX, I was working in XXXX XXXX in XXXX but I departed on XX/XX/XXXX, as evidenced in the attached flight records. My Barclays card was lost/stolen during this trip. When I received the Barclays statement, dated XX/XX/XXXX, I immediately called Barclays to notify them of the fraudulent activity. Based on the call, they closed the account, reversed the charges pending an investigation, and sent me a new card. At that point I thought the matter was resolved.
But in XX/XX/XXXX I received notification from Barclays that their research has indicated that the transaction ( s ) is valid and that they were placing the fraudulent charges back to my account for me to pay. When I called Barclays to ask what the basis was for their decision, they told me I had said in my initial phone call that the card was in my possession. I dont remember saying that. Instead, I remember being unsure where the card was. At the time of the call, I thought the card might be somewhere in my house, but I wasnt sure. Even if I did say what they claim I said, it was an error on my part and disproven the evidence presented.
After that call, I faxed a letter with supporting evidence to Barclays on XX/XX/XXXX, requesting they reopen the investigating and reverse their previous decision. In early XXXX, I received their reply, dated XX/XX/XXXX, denying my request and notifying me all charges were my responsibility.
Having been unable to satisfactorily resolve the matter directly with XXXX, Im making this complaint with the CFPB.
Thank you, XXXX
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| 10/11/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
Older American |
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On XX/XX/2021 on a XXXX flight from XXXX to XXXX I received from the flight attendant a promotional offer for a Jetblue Plus credit card offered by Barclays. The offer stated that I would receive XXXX points after spending {$1000.00} and paying the XXXX $ annual fee and then would receive another XXXX points after spending a total of {$6000.00} within 12 months of receiving my card. I thought that was a great offer and so I completed the application and returned it to the flight attendant. I then received my credit card from Barclays a few weeks later and began using the card. I encountered problems with Barclay linking my card to my XXXX account and had several discussions with Barclay representatives. In none of those conversations did Barclay reps tell me that the promotion I had signed up for had expired.
Three months after receiving my card, and after spending the required {$6000.00}, I called Barclays to see when I would be receiving the additional {$50000.00} advertised in the promotional brochure I filled out on the plane on XX/XX/XXXX. During the call, the rep informed me that that promotion had expired on XX/XX/XXXX and I would not be receiving any additional points. I explained that the application I filled out on the plane on XX/XX/XXXX promised a total of XXXX miles and I expected that promise to be honored. I also asked why no one at Barclays informed me that the promotion I signed up for had expired when my application was approved on XX/XX/XXXX nor when I spoke with reps on several occasions after that to clear up the problem with linking accounts. The rep said there is nothing they can do unless I can produce the paper brochure I had received four months ago on the plane - a completely unreasonable request since I had received my actual credit card and had no reason to hold onto a paper brochure. I asked why they would need this in any event since the specific promotions tied to an application should be coded on the application I submitted to them. I got no response.
I subsequently checked the internet and found out that even though the XXXX promotion had stopped being advertised in XXXX on the Barclay site that this promotion was still available for sign- up in flight - which is when I signed.
.
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| 01/03/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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On XX/XX/XXXX I purchased airline tickets for my XXXX Vacation Trip to visit my family in New Jersey using my XXXX XXXX XXXX XXXX XXXX XXXX ( See Attached ). I purchased an Economy Fare for which I was notified that this fare did not allow me with overhead bin access for my carry-on bag ... I was not bothered by this as I was using my XXXX XXXX XXXX XXXX for this purchase and my card benefits allowed me one bag under my seat and one bag in the overhead bin ( See Attached ) ... When I checked in for my XX/XX/XXXX flight I was advised by the ticket agent that I was only allowed access for one bag that could fit under my seat and that I would need to check my other bag for a {$25.00} fee ... I advised the XXXX XXXX agent that my Credit Card benefits allowed for one ( 1 ) personal item that fits under my seat and one ( 1 ) Carry-On bag ... I proceeded to show the agent my XXXX XXXX Credit Card and even pulled up the XXXX Economy Flight Policy on the internet showing her my benefits ... She took my Card and called the Credit Card Company and they told her that my Credit Card did NOT qualify for this benefit ... Once again I showed her the policy that was on the XXXX XXXX website and she went into the back office to get her manager ... Her manager reviewed my Card and she agreed that my Card did not qualify for this benefit ... She told me that I had the XXXX XXXX XXXX and that only the XXXX XXXX XXXX qualified for the Carry-On Bag benefit ... The Web-Site ONLY states " XXXX XXXX XXXX XXXX '' it does NOT differentiate the Red or Blue colors ( See Attached ) ... I feel that this is a clear violation of the UDAAP regulations as in my mind this is an extremely deceptive practice. The ONLY reason I have this card is for their Travel Benefits for which I was denied ... This also caused me to experience over a one ( 1 ) and a 1/2 hour delay after landing because my bag ended up being misplaced and ended up in another terminal which caused me added travel stress ... It also caused me to be extremely late for our annual Family XXXX Party ... On my return flight on XXXX XXXX, I just went ahead and checked my bag and paid the additional {$25.00} Fee ( See Attached ) rather than having another dissatisfactory Customer Experience.
|
| 01/30/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I made a purchase using an XXXX XXXX credit card back in XXXX of XXXX. I went to go make my payment when it was due but when I went to make the payment, I could not get into my account online. I called customer service and found out they gave me a new account number as the company had gotten bought out. The representative I spoke with helped me pay and ensured me I would have no late fees as I did not even know, nor was I notified that I was given a new account.
Then in XXXX of XXXX, I received an additional bill of around {$35.00} as a late fee from the XXXX statement. I immediately called the company and they said it was a fluke and that I would have a {$0.00} balance soon. I was told I just needed to wait another billing cycle to get it fixed.
Then I got a statement in XXXX showing a new late fee from the previous late fee back from XXXX of XXXX. I immediately called the company and asked to speak with a supervisor. I was told that my account was not showing a XXXX dollar balance, and that it was showing XXXX late fees. I went through the process of having them try to remove the late fees again and was told that it would be fixed on the next billing cycle. Then I got another bill towards the end of XX/XX/XXXX with the same amount. I immediately called them ( again ) and spoke to another supervisor, and had them create another ticket to get it resolved. I was informed that the ticket would be expedited, and that I would be called when it got resolved. I have yet to be called. Mind you, all of these calls are recorded.
Fast forward to now, I just got another statement on XX/XX/XXXX, showing an additional, third, late fee from the original one back in XXXX of XXXX. This was even after I had spoken to a representative XXXX times being ensured XXXX different times that my account will show a XXXX dollar balance on the next billing cycle. They are lying through their teeth and being extremely dishonest.
These late fees are affecting my XXXX XXXX and clearly whoever is working for the XXXX XXXX credit card services is not doing their job and is being fraudulent about what they are doing. I plan to call them again in the morning, but this has been going on for several months. And it is time they be reported.
|
| 02/21/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
XX/XX/2017 XXXX XXXX points purchased XXXX XXXX XXXX XXXX XX/XX/2017 Purchase price {$4000.00} We were told the XXXX Sampler points would be applied to any new purchase because it is an investment and would be considered equity that would be credited toward the purchase of annual points. However, when we did purchase XXXX points, only XXXX of the XXXX were transferred over. We had not used any of those points we had paid for.
The {$4000.00} we paid for the XXXX was not credited toward the purchase of XXXX points. The XXXX XXXX presentation lasted from XXXX XXXX till XXXX XXXX. We did not sign the contract until XXXX XXXX at night. We were rushed through the paperwork They would not give us our license back when we left for lunch. Even the manager would not give us back our license. My wife felt like she was going to pass out because she was XXXX, but they would not let us leave. Her XXXX XXXX was down.
We purchased XXXX annual points at XXXX XXXX, XXXX XX/XX/2017 Purchase price {$15000.00} Amount financed {$12000.00} Sales agent XXXX XXXX XXXX, Director of Sales XXXX XXXX was the highest person there XXXX was QA They ran two Barclay cards for two joint applications. We only wanted one Barclaycard. We were told if we opened a Barclaycard we would never have to pay maintenance fees. We were also told points can be converted to dollars to pay maintenance fees because fees will go up 10 % every year and the inflation on the fees wont match our fixed income. We have learned you would have to charge {$100000.00} in a year to pay a {$1000.00} maintenance fee.
We told them we dont have the money. They said if you cant pay this we will put it on a Barclaycard. Your points are now equal to a dollar value. We were told the new thing is that all your points are worth money so it doesnt matter if you cant afford it. The points will go up in value.
We could not use our next stay at XXXX XXXX XXXX booked. We had to check out early. We were told once we were an owner, our room would be automatically upgraded, but the room was too small and was not upgraded.
When we looked into selling points we learned there is no value.
I am on XXXX, medically XXXX VA XXXX XXXX XXXX XXXX XXXX Veteran XXXX XXXX XXXX On food stamps
|
| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
Good Afternoon, By way of introduction, my name is XXXX XXXX. I am a XXXX plus year XXXX in the credit and banking industry. I have carried a credit score of over 700 until relatively recently. My credit score has plummeted to less than 600 even though I pay my bills. Over a 30 or so year credit reporting history, I have been 90 days on XXXX accounts XXXX years ago, and I have had maybe 4, 30 days over the past 2 years or so.
The issue I have is that, even though i am paying, the credit card companies have lowered my limits. This in turn increases my utilization which in turn lowers my credit score. When one company does it, the others follow by lowering my limits to the balance owed. By doing so, the credit card companies are able to charge me the highest rates allowed by law while simultaneously limiting me in obtaining a consolidation loan or a credit card with a high enough limit to pay off others.
Because of a recent divorce, XXXX sons in college, and my work in the turbulent mortgage industry, I have used my cards more over the past 3 years, I carry about XXXX in credit card debt, more than I would like but manageable. I had hoped to get these consolidated but because my score is so low, I can not. In addition, when I review my score, the advice I get is to " open another credit card '' This will decrease your utilization rate. that's bad advice!
I have talked with several friends and colleagues about this, and the vast majority are experiencing the same thing.
Right now, I am trapped, with NO way out. Credit cards are necessary today and can be crucial in tough times.
This seems to be a concerted effort to keep the consumer paying the highest rates possible while locking them into keeping the cards because there is no viable option to pay them off.
I would ask you to look into the practices of credit card companies to see this and to determine what should be fixed. If not corrected, many consumers will simply give up and stop paying and what are the credit card companies going to do? ruin their credit scores, too late they are already so low it doesn't make a difference. Thus, there will be a huge write-off in the future.
my cards are with Barclays, wells, and discover.
thank you for your help!
|
| 02/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
XX/XX/XXXX, Barclays informed me that my account can not be maintained by myself, that my card can not be reported lost, I could not receive a new one, request a new due date nothing at all my legal representation would have to do so.
They informed me that the representation took place in XXXX XXXX around the first time a complaint was submitted against them for fraudulently reporting to the credit bureau.
They informed me they stopped the card but I could not get a new one, however I can make payments on my account that is it.
There was never ever any legal representation hired or letter provided as they state as of XX/XX/XXXX, but only a complaint filed through consumer protection. They tried to bully me into writing a letter stating it has been lifted however a complaint was filed against them in XXXX for this reason and by me writing that letter would show fraudulent complaints through here and refused to do so They have illegally reported late payments They have not changed my due date from the first of the month and I have been asking since XXXX, telling them the first wasnt possible due to the pandemic They illegally penalized me for writing a complaint against them through consumer protection agency They would not legally allow me to maintain my account due to a rep having a vindictive vendetta against me They have illegally told me they would not give me a copy of the representation on my behalf and I didnt have the right to know who was representing me even though I have explained no one had been hired to do so Theyre rep told me it was in collections legal due to a payment being given to them through a law firm but could not provide the date of transaction because it never happened They have told hung up on me four times tonight and finally have had a rep tell me its NA written next to it and it has been removed but will take 48 hours for me to call back to request a new card They have illegally reported falsely to the credit bureau that in XX/XX/XXXX my account was over 3o days late when a payment was made on XX/XX/XXXX and due on the first theyre bullying me out of late fees now for 6 months plus never allowing me to change a due date thats never been changed due to representation on my account
|
| 08/08/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
In XXXX of this year I received a promotional credit card offer from Barclaycard Ring MasterCard. The offer stated that I would receive a 0 % APR Interest rate on balance transfers within the first 45 days. It also stated that there would be a 0 % APR for 15-months on the balance transfer balances and new purchases. I received the first statement and I had been charged interest on the balance transfer. I was so busy that I just paid it to avoid any dings on my credit and figured I would call to resolve the issue before the next bill. Well the next bill came and it was much larger and I was still being charged interest. Not the typical monthly compounding interest, but daily compounded interest raising my payments substantially. I called the company to resolve the issue and they claimed that I didn't sign up for the offer for 15-month promotional period. I signed up to pay 10.74 % interest. This couldn't be further from the truth. I then went to download the cardholder agreement and come to find out it's not online. You have to request a copy. Well if they're denying my offer and telling me that it wasn't the offer I signed up for then how should I trust them to send me a legitimate cardholder agreement. I never received the initial cardholder agreement in the mail either. The representatives we spoke with on the phone did nothing to assist in the situation other than deny what I was saying and telling me to send them the offer I received three months ago that has long since been thrown away. I tried to go to the old web page and it has been removed from the website with the exact same promotional offer the only difference being the promotional period of 12-months instead of 15-months. The representatives were rude and wasted almost an hour of my time. They denied that any 15-month offer existed initially. Then they said well it did exist in XXXX and XXXX, but definitely not XXXX. I pointed him to the nerdwallet article I attached below and he claimed that it was outdated, but it's the offer I was mailed. There are plenty of other credit cards with 0 % for XX month promotional periods I could have applied for with a 3 % or less balance transfer fee, which would be a lot cheaper than 10.74 % compounding daily.
|
| 12/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
My father was involved in a devastating accident where he suffered a XXXX XXXX XXXX. Since XXXX, he has not possessed the XXXX XXXX to manage his financial affairs. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX He spent about four months in hospital facilities before being transferred to a group home where he will likely reside for the foreseeable future. I called Barclays, who manages his XXXX XXXX XXXX XXXX, to inform them of his condition and request that his credit card account either be closed or downgraded to an account that does not have an annual fee. Shockingly, Barclays did not have procedures or protocols in place for handling such a situation where a primary account holder has become incapacitated and is no longer capable of managing adult responsibilities and obligations. I was then accused of trying to commit identity theft/fraud against my own father! The response I received from Barclays was preposterous and inflicted further harm on a family who is dealing with a very traumatic event. It also defies logic that such a request to either close an account or downgrade it to no annual fee, could somehow constitute identity theft. At no time during my conversation with Barclays did I ask for any personal or sensitive information concerning my father or his account. I simply notified Barclays of his condition and requested his account be closed or downgraded to no annual fee. After being accused of being a criminal and hung up on by " XXXX XXXX ( who refused to further identify himself with a last name or employee ID ), and then speaking to two supervisors, I was told Barclays would " handle the matter. '' They lied. We just received the most recent credit card statement seeking the annual fee and stating that the account is past due. Of note, the annual fee is the only outstanding charge on the account. All other charges have been paid in full since XXXX, with no other charges posting since. Barclays ' attempt to extract an annual fee from an individual who they know does not possess the requisite faculties to manage his affairs is illegal and unethical. They need to be held accountable for these transgressions.
|
| 01/20/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/XXXX, I received via email a notification from the fraud detention unit telling me to call to verify recent activity on my card, I was also left a voicemail to call. On that same day I called to verify what was happening, I was at work and called after, while driving on my way home. I was then notified of the fraud activities that took place on my account and was disclosed a list of transactions to verify I was asked if I remember last time I saw the card, last time I saw it was at the airport when I used it to pay for a seat at XXXX XXXX, and I said I think I put it on a draw in my house. I was told I should hear from the investigation team with any concerns or if any information was needed from me, I was going to be notified.
On XX/XX/XXXX, I received a call from the fraud investigation department agent XXXX called me and informed me that they have determined that the transactions were valid because I allegedly replied to a text verifying a transaction from XXXX on XX/XX/XXXX, and that all transactions are deemed valid, and I am responsible for the fraud activity that took place.
First of all, I was working during the time all these transactions took place, I have not replied to a text and if your records show otherwise then my phone was hacked. On the other hand, other methods of communication should have been used, an email sent, a call made like it happen the day I discovered the fraud. All transactions were allowed to take place, transactions that were outside my normal usage and large amounts and the only thing your representative says is that a text was used to confirm a transaction from one store.
The representative argued that my responses are inconsistent, I thought the card was in my drawer, as I told the initial representative, this is not the only credit card I have whether this card was lost or was stolen I cant recall. Last time I used and saw the card was at XXXX XXXX and I told the representative this. Another representative XXXX told me I never called back to report I didnt have the card and that it was lost/stolen. I was advice on my first call not to do anything that you will investigate. I did not make these transactions, I will not be liable for goods I did not purchase.
|
| 08/11/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
I placed an order to XXXXXXXX XXXX online for 5 bottles of XXXX and additional 6 bottles at a discount rate for a total purchase of {$280.00} on XX/XX/19. It came from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. After I opened the box I read the ingredient label & found out they had gluten in them. I have XXXX XXXX so I can not eat anything with gluten in it. I immediately tried to call the phone number on the email from them XXXX XXXX XXXX XXXX. The number on the email & their website does not work. So I emailed them at XXXX, but never received any response either by phone or email. I called XXXX XXXX XXXX XXXX XXXX to see if they had another phone number for them. They gave me another number to try. I called it & got a recording from a man saying please leave a message so I did. No answer or email from him either. The number was just a recording from a man to leave a message. Sounded very fishy. I called Barclays credit card customer service back. The rep tried to call that number & got the same recording. They put the money back in my account while they did their dispute work to contact the company.
I finally received documents from Barclays telling me that they were not able to get the refund for me for these reasons : 1. Customer has not contacted customer service.
2. In order to proceed to checkout, customer must agree to terms and conditions on merchant page.
3. Customer did not cancel or return the product within ( 30 ) days from the original purchase date and therefore is responsible for the charge.
Barclays put the charge back on my account. I called them back & had the rep look over the documents and she said you did what you were supposed to do so I will send it back to the dispute department to redo the dispute.
I waited until yesterday to call them because I had not received anything from the dispute department. It has been almost a year now. The rep said they closed my case because I didn't follow the guidelines of the purchase. I was on the phone with the CS rep for over an hour. She put me on hold and never came back on the line. I am very unhappy with Barclays.
I found out by checking XXXX XXXX XXXX on the XXXX page that they have had several complaints about refunds.
|
| 03/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
I had opened a BarclaysXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card last year. I was approved on XX/XX/2021.
I only used it once on XX/XX/2021, and had paid my credit charge in full. I gave them my bank account number and routing number and I received a confirmation of the payment. Since then, I stopped using that credit card. Two months later I suddenly see that my credit score dropped XXXX points. I quickly check where I havent paid my debt and all of the sudden see that my Barclays account wasnt paid. I look through all the spam emails I recieve from them and dont see any email saying my payment didnt go through. Only after pressing on the emails it says I have a balance but in reality I paid my balance at full in XXXX. I called them and asked what was wrong, they said I provided the wrong routing number. After checking I saw that I provided them the routing number that I had from my bank, which was a wire routing number and not an ACH one like they wanted. I quickly called my bank and, got the information and payed my debt. I asked the Barclays support why I hadnt receive an email saying my payment didnt go through, they said that it doesnt work like that, you only get an email when your payment is received and later you have to check. So I asked why they didnt notify me through the app like a get a notification when I have a charge of pay my balance. They said it doesnt work like that either. They said they sent me mail saying I didnt pay my balance, but I opted to go paperless and to contact me through email only because I didnt have constant access to my mailbox at the time. Their second excuse was that they tried calling me and I never received a call from them.. They couldve texted me, or sent an email saying my payment hadnt gone through but instead they decided to put me in a position as someone who doesnt pay his debts, even though I have three more credit cards with charges over XXXX XXXX who are always paid on time and in full. The Barclays agent on the phone said that I was right and if I complain they should reimburse me. She event refunded me the late payment fee of XXXX XXXX This has destroyed my ability to build my credit and would really appreciate any help I can get. Thank you
|
| 03/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX I made a report to Barclays Bank about a fraudulent charge by XXXX for XXXX on my account. A fraud investigation was opened by the Fraud Investigation Department on XX/XX/XXXX. I received a letter from Barclays Bank on XX/XX/XXXX stating that the investigation had been completed and that it had been determined as fraud and that I was NOT responsible for the charges. However, I continued to be charged by Barclays relating to this and I accumulated late fees on top of this. It was also reported to all credit bureaus as a delinquent/late payment in which my credit score suffered. I called Barlcays Bank on XX/XX/XXXX to have the charges removed from my account and for Barclays to report an error on their end with all credit bureaus. I was told that the charges and late fees would be removed from my account within 24 hours, and that they were escalating my file and that it would be resolved with the credit bureaus in 7-10 business days. It was not. I called again on XX/XX/XXXX as charges and late fees were still appearing on our account and our credit score had not been rectified with the credit bureaus. I was told again by an employee of Barclays Fraud Investigation Department " not to worry '' and that the late fees would be removed from my account within 24 hours and that they were ( again ) escalating my file that it would be resolved with the credit bureaus " guaranteed '' in 7-10 business days. Again, it was not. I called a third time on XX/XX/XXXX. They finally removed the charges and late fees from my account and AGAIN told me that they would escalate my file. This time I was told specifically that a letter on Barclays letterhead would be sent to the credit bureaus and to myself stating that it was a reporting error on Barclays end and that my credit score issue would be resolved no later than XX/XX/XXXX. I called again today, XX/XX/XXXX. I spoke with XXXX ( employee number XXXX ). XXXX told me that it had not been escalated at this time. I was told that she would again escalate it, but now it could take 30 days to receive a response. This issue, that we have been dealing with since XX/XX/XXXX, has significantly impacted my credit score and prevented me from important financial decisions.
|
| 12/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
|
I have a Barclays XXXX and was charged for a service that I ( we ) did not get. The date of posting was XX/XX/22 in the amount of {$60.00}. On XX/XX/22, my husband went online to XXXX XXXX XXXX XXXX ) and paid for two seat upgrades for a return flight from XXXXXXXX to XXXXXXXX XXXX for our XX/XX/22 return flight home from XXXX. Each seat upgrade was for {$30.00} and with the exchange rate, the transaction amount posted was {$60.00}.
When we arrived at the XXXX XXXX, we did not get our upgraded seats as shown on our online receipt from XXXX and it was a full flight so they did nothing.
When we arrived home, I contacted XXXX on XX/XX/22 ( XXXX ) and spoke with XXXX in Customer Service. She would not initiate a refund and instructed me to go back to the agency we booked travel with. That agency in turn said it was a XXXX booking and not theirs and could not initiate a refund.
I called Barclays Card Services on XX/XX/22 and initiated a dispute of this charge. I was told to send in all documentation supporting my claim to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX which I did. I was given provisional credit for {$60.00} while they investigated my claim. On XX/XX/22 I received a letter stating that they had reversed the provisional becasue XXXX said it was a valid fee for a BAGGAGE FEE. I called in to XXXX XXXX on XX/XX/22 and spoke with XXXX who understood that it was NOT for a baggage fee and for seat upgrades and subsequently instructed me to resubmit all the documentation again. The letter from them stated that I may reassert my claim within 10 days of receiving this letter by sending it signed and dated which I did on XX/XX/22 which was within my ten days.
On XX/XX/22 I received a letter from Barclays that they were outside of the permitted time frames to continue this claim through the dispute process and to seek refund from XXXX.
I was well within their stated time frames and called in XX/XX/22 and spoke with XXXX in the Disputes Department. She stated their was nothing they could do and to pursue it with XXXX also.
Under Regulation Z, I was within my consumer rights to assert this claim and should have received a refund from Barclays which should not be contingent upon their ability to collect.
|
| 11/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
On XX/XX/2021 I was the victim of computer scam. My computer was flashing a red screen with a phone number to call. I called the number and the " Hacker '' told me they were with XXXX During my interaction with the hackers they advised me that I needed to contact my bank and my credit card companies to advise them I needed extra security on my account. So I went ahead and contacted my bank and spoke to a customer service representative and let them know I needed " extra security measures '' on my account. Then in order to get my computer fixed I needed to get a disposable phone that cost me {$XXXX} and then I had to buy XXXX gift cards from XXXX for {$XXXX each and the go back and buy XXXX more gift cards for {$XXXX} each,. XXXX days after on XX/XX/2021 I was contacted by my bank and was advised that I had been scammed. They also advised me to call all of my credit card companies and to make a police report. So I went and filed a police report about the scam and I disputed charges with my credit cards. XXXX XXXX the credit card company has not been cooperative and is not helping me and has denied my claim. My credit union thought that it was serious enough that they froze my account and wouldn't unfreeze it until I had my computer checked for bugs. I have a receipt invoice from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. The phone number is XXXX. The invoice number is XXXX. The invoice date is XX/XX/2021. The payment due XX/XX/2021. The amount due is XXXX dollars. Items quality price amount labor removed fake XXXX remote access. Cleaned up machine from malware infections. Installed latest XXXX XXXX update, patches, and drivers. Installed malware bytes protection {XXXX}. That's what's stated on the receipt. On XX/XX/2021. I sent them all the information that I have like the police report and the XXXX, and I sent them a copy of the computer removal. I tried to attach files with this complaint but are too large. I have a letter dated XXXX XXXX stating that I would not be responsible for the activity. I have the statement due on XXXX XXXX with credit for the XXXX {XXXX} charges and I have a copy or the payment statement after I got an alert that i was near my credit limit on XXXX XXXX.
|
| 07/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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0n XX/XX/XXXX I purchased airfare in the amount of {$870.00} from XXXX XXXX. I paid my credit card bill in full and the airfare was on that bill. On XX/XX/XXXX, XXXX cancelled my flight. XXXX elected to only credit the outgoing flight which was {$320.00}, on XX/XX/XXXX. They told me they would " issue a credit '' and were not clear that it was only outgoing. I contacted XXXX multiple times asking how I was going to use a return flight when they didn't get me to my destination. Realizing XXXX will be a hassle, I went through the fraudulent purchase process with Barclays and they issued a credit of {$540.00} on XX/XX/XXXX, case # XXXX. ( The difference between {$870.00} and the partial credit XXXX provided. ) On XX/XX/XXXX, XXXX issued the remaining credit. Barclays hit my credit card with {$870.00} in charges ( confirmed in attached letter dated XX/XX/XXXX ) saying I had to return the credit they issued to me. ( Their credit was {$540.00} ) I've contacted Barclays 3 times. Every person I spoke to ( XXXX XX/XX/XXXX @ XXXX XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX @ XXXX XXXX ) said I am owed a credit of {$320.00}. The 3 people listed above said they can not issue the credit the " back-office '' department or the " Higher department '' has to issue the credit. They said these departments do not have incoming telephones/telephone numbers and I must wait 1-5 days for them to call me. ( which is why I waited until XX/XX/XXXX and subsequently XX/XX/XXXX to call them back. ) XXXX said he would alert/ escalate and tell hem it is past the time frame. No one has returned my call. Yesterday, XXXX told me to wait another 1-5 days and I advised I would be taking my complaint to you if they did not return my call on XX/XX/XXXX, as I've already waited their 1-5 days, twice. They are looking for me to pay an additional {$320.00} they did not credit to me. Essentially, this is fraud and basic math that a credit card company should have properly automated.
Every call is at least 30 minutes for the person to research, confirm I'm owed the credit and then tell me I have to wait 1-5 days for resolution, I've done the same thing to resolve this 3 times because they won't let me talk to the " back office/ higher office. ''
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| 09/30/2016 |
Yes |
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Web |
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Ive had fraud on my Barclays XXXX XXXX and have never received any correspondence or request for information previously. Out of the blue one day I received a call asking for additional information and stating that they would be sending me a form that I would need to complete and sign which was some kind of affidavit, which I did n't receive until XXXX/XXXX/16 from charges that occurred in XXXX 2016. I also spoke with a woman named XXXX who asked me about getting a police report filed to which I did and ended up having to drive over 2 hours to get for them because they would not accept the report number and needed a copy. Well I have done everything they have asked me to do and went through great lengths and hurdles to do what they asked. Now after doing everything they have asked, they are trying to hold me accountable for fraudulent charges that I did not make. Spoke with a Supervisor name XXXX on XXXX/XXXX/2016 who said that she confirmed that the police report was received and she would send the claim to another investigator to re review and at this point charges were not back on my account. I called XXXX/XXXX/16 and spoke with another woman named XXXX who advised me that they did not show any notation of the police report so I faxed it again and I also received an affidavit which I faxed back as well. I call again today XXXX/XXXX/2016 and find charges back on my account and speak with XXXX again and she explains theres nothing she can do because the bank was n't able to determine whether or not I benefited from the transactions that they decided to make me accountable for the charges. This is completely wrong!! Ive done everything they 've asked me to do and they have waited 2 months to ask me for anything and now want to hold me accountable for something I did n't do and because according to the supervisor XXXX because they ca n't determine if I benefited or not they are holding me accountable and I would need to seek options outside of the bank. This is wrong, Ive done everything they asked me to do including making a police report and signing and getting everything they 've asked me to do and now they want me to be responsible for something that I took no part of or benefited from, this is wrong
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| 06/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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Barclays Mastercard credit card has now charged me erroneous interest XXXX months in a row. I have pasted my previous complaint against them below for context, and the same issue has now repeated itself this month. Barclays has charged me interest even though I have autopay setup to pay my entire statement balance XXXX days before the due date. This happened on my XX/XX/2022 statement where I was erroneously charged {$38.00} of interest ( see my prior complaint below ). This has now happened for a second time on my XX/XX/2022 statement where I was erroneously charged {$53.00} of interest. I had autopay setup to pay my entire statement balance before the due date, so there is no reason I should be charged interest. Barclays said they would fix this issue but they did not. I would like a refund of this erroneous {$53.00} in interest, as well as compensation for my time spent dealing with this issue twice now. If I do not receive compensation from BarclayXXXX, I will be pursuing a lawsuit in small claims court and making additional complaints to other banking regulators.
Previous complaint : I have a Barclays Mastercard credit card. I have had this card for years and have always had auto-pay set up to pay my entire balance 5 days before my due date. This ensures that I do not pay interest, because my entire balance is paid XXXX days in advance. However, inexplicably, my XX/XX/2022 statement showed {$38.00} in interest charges. It showed a previous statement balance from XX/XX/2022 of {$3000.00}, but it only showed my automatic payment as {$2900.00}. Thus, I was charged interest because Barclay 's automatic payment system failed to pay the entire statement balance. This has never happened before, and I don't understand why it happened this month. Barclays never called me to let me know of this error. Had I not checked my statement, I would have paid {$38.00} in erroneous interest charges due to a failure of Barclay 's automatic payment system. On XX/XX/2022, I called Barclays. They agreed that their automatic payment system had made a mistake, and they waived these interest charges. However, they couldn't explain why this mistake was made. They said it was a " computer glitch '' that happened sometimes.
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| 01/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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|
Web |
Older American |
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Signed agreement with Wyndham XXXX XXXX , XXXX ( XXXX ) on XX/XX/XXXX with Section stating You may cancel your Agreement without any penalty or obligation within ten ( 10 ) calendar days after the date you sign your Agreement or the date on which you receive the last of all documents required to be provided to you, pursuant to Section 721.07 ( 6 ) Florida Statues, whichever is later. Upon research, there is no Section 721.07 ( 6 ) of FL Statues thus entirely misleading. We did cancel sending by notarized & registered letter on XX/XX/XXXX within 10-day requirement of receiving official copy of agreement. However, Wyndham nor Wyndham Plus would not recognize ( along with Barclays & XXXX XXXX XXXX ) issued at contract signing with Wyndham XXXX. Further problems followed ( even though canceled contract, each bank started charging interest & late fees even though we were officially not members as per cancelled contract not eligible for any services nor using any. What Wyndham does is wrongly state in contract require 120 days to consider cancellation, finally issuing cancellation officially accepted. Meanwhile, Credit Cards only allow 60 days then charge interest & late fees from day one of contract. Thus, reported to credit rating agencies lowering credit score every month until settled. In fact, subsequent letters to Credit Cards by notarized & registered mail are not even acknowledged or answered! Credit Agencies were notified but answered Credit Cards indicate valid charges so do nothing! This disconnect in contract times to respond is a crooked scheme ruining credit scores for consumer as well no refund of interest & fees paid. Wyndham finally sent letter accepting rescinding contract on XX/XX/XXXX with repayment of principal paid a week later. Meanwhile, Credit Cards continued to charge interest & fees on interest & fees overdue ( double illegal charges ) which we finally paid off on XX/XX/XXXX. Barclays charged in XX/XX/XXXX total fees {$240.00} & total interest {$240.00} while XXXX charged total fees {$140.00} & total interest XXXX - all illegally! While credit rating agencies will not accept our request for redress of false reduction in credit score. PS ; We have all documentation if required.
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| 06/19/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
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XX/XX/XXXX : Received monthly statement and learned the credit card company reduced my limit to be very close to amount owed. Two weeks after the limit reduction I received a letter dated XX/XX/XXXX Advising the action taken with a general reason. This impacted my credit score with a 40+ point reduction.
XX/XX/XXXX : Once again this credit card company reduced my limit down to the amount I owed with no prior notification of pending adverse action. The letter was dated XX/XX/XXXX and advised the action was taken due to number of inquiries on my credit.
I have 2 cards issued by this bank. This is the only one they deem to be a risk. The company continues to impact my credit score in a negative way for no reason. I have a 100 % payment history with all of my cards including the ones issued by Barclay Card. After the limit decrease on XX/XX/XXXX I sent payment in full for the account. My cycle date had been the XXXX of the month since opening the card a few years ago. I check all my accounts regularly and I expected this account to cycle on the XXXX of the month to report to the agencies and to give me my final interest. I check the account on XX/XX/XXXX and it had not cycled. I called the company to determine what the issue was and they advised that my cycle date had been changed by a web user to the XXXX. I did not change it. In fact it would have caused ( and did XXXX more issues to change the statement date. When I called to have them correct this they told me they couldn't.
I am a small business owner and have many cards with substantial limits. My credit will have more than the usual inquiries due to this fact. If this company would have followed standard guidelines and informed me of the upcoming limit decrease I would have had the opportunity to pay the account before it adversely affected my credit. When I called to express my concerns they advised that it was the risk program they had in place and the decision would stand. Not only have they hurt my credit score multiple times for undue cause they are unwilling to correct the issue. This 96 % usage of a single card will remain on my report until XX/XX/XXXX at the earliest causing an undue score drop for an extended period for the second time.
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| 06/30/2015 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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I applied for a Barclaycard XXXX XXXX XXXX XXXX XXXX online ( a United States credit card ). The next day I got a voicemail from Barclaycard security asking me to call back to verify details about my application, but they left a different callback number. I searched for that number online and found nothing associating it with Barclays. This lead me to be concerned that I had had personal information stolen.
Because this was n't clear to me from the phone call, I called Barclays main customer service number to attempt to verify that the number they had me call back to was the appropriate main number. My only objective in asking for them to verify this information was to determine if the call I got was legitimate so I could call back. Instead, I was asked a series of personally identifying questions, and then told my card had been rejected. This was not my desired outcome, but it is not my primary concern ( although they did say that they were rejecting my application because I did n't sound like a man, which is concerning ).
Here 's my problem XXXX bear with me, this gets a little tricky to describe ) : During this phone call, I was asked to provide " other phone numbers associated with my credit bureau statement. '' I provided XXXX numbers. XXXX number was my parent 's number, the other was an alternate number XXXX XXXX XXXX XXXX that rings through to my phone. I was thereafter placed on hold. Immediately after being placed on hold, my XXXX XXXX number rang with the phone number XXXX XXXX XXXX XXXX. XXXX The person on the other side of the line identified themselves as calling from XXXX XXXX, and asked to speak to my mother ( by name ).
This was such a bizarre occurrence, I started to question whether or not this was a legitimate credit card operation or whether I had been scammed, and whether my identityhas been compromised.
And I never did get the basic thing I was calling for ; verification that the original phone call I got was from a legit number.
Any help in developing an understanding of whether or not my identity has been compromised would be appreciated.
Original page was at XXXX*An online search associates this number with Barclays in Delaware, only in XXXX and on no official webpage.
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| 11/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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I had applied for a Wyndham Rewards Credit Card at a timeshare presentation in XXXX of 2022. I had a timeshare purchase made on the card and had it cancelled a couple of days after due to pressure tactics and had not used the card until XXXX after being promised a promotion.
Upon further review, I noticed Barclays was offering an introductory XXXX Bonus points if the card was used for purchases totaling {$1000.00} within the first 3 Months. Prior to using the card, I had a conversation with XXXX on XXXX XXXX via an online chat which I will include. I had asked her if I were getting the promotion being offered online to which she responded I was not and and advised me I was getting a different promotion. After asking her why I was not as it is listed on the website, She came back and said she does show the XXXX bonus points and will submit a ticket to ensure I receive the promotion after completing the requirements.
I then started using the credit card ( to which I am sure Barclays received a nice profit from merchant fee 's ) and had used the credit card for all my purchases for the next 2 months to guarantee I spent over {$1000.00}. In total spending well over {$2500.00}.
When I called to ask about the issue I was told by several representatives the issue will be reviewed and I will be contacted. After finally calling again on XXXX XXXX at XXXX, I received an unsatisfactory response from the credit card company.
The last representative XXXX, rep ID XXXX, stated bluntly, you are not getting the bonus points because that was not part of the terms and conditions of your credit card offer. After explaining to XXXX, my conversation with the other representative XXXX on XXXX XXXX she did not care and stated it doesn't matter what was said.
I want to reiterate, and stress, the only reason I used this credit card in the manner I did was due to the conversation with a representative and Barclays is not holding up their end of our expressed contract. This is not only horrendous customer service but fraudulent in nature.
In utmost dissatisfaction with the company, I had cancelled the credit card on XXXX XXXX. Please assist in obtaining what was offered to be added to my Wyndham rewards account XXXX.
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| 06/04/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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We ( XXXX XXXX ) and myself ( XXXX XXXX ) were in XXXX XXXX on a cruise XX/XX/2019. We were approached my a woman and convinced her into going into XXXX. They told XXXX that they could remove the bags under our eyes. The operator XXXX would take care of it. I told XXXX I have very XXXX XXXX. He said no problem and I could return it this happens. That night I XXXX XXXX on my XXXX. I have photos of it. I was told the price was {$290.00}. The charge which was processed was {$340.00} on my credit card, that was the first issue. Then another man used something on our necks to remove wrinkles. That was another {$2000.00}. We didn't leave with the products they were to be mailed to XXXX XXXX 's house at XXXX XXXX XXXX, XXXX XXXX, Fl. The next day XX/XX/XXXX in XXXX. XXXX I tried to call them to tell them not to mail the package as I XXXX XXXX from the product. There was no answer nor an answering machine to leave a message. I still have the record of the call on my XXXX. We got back Sunday XXXX late. The first thing Monday XX/XX/2019 morning I called my credit card Barclays Bank to file a dispute on both charges. XXXX also filed a dispute with her bank XXXX XXXX. XXXX also called and spoke to XXXX and told them not to send the products and that we weren't going to accept the package when it comes. The notice came and XXXX took the notice to the post office and marked it REFUSED RETURN TO SENDER. I have all the tracking information from the post office including where they signed for the return of the package. XXXX 's Bank XXXX XXXX credited her back the monies back. I also copies of her credits.
I also sent all my documents and pictures to the CEO XXXX XXXX of Barclays Bank. I never got a response from him. I got a denial from the dispute department. I wasn't the courtesy of a response from the CEO XXXX XXXX. As a retired XXXX of 31 years I don't understand how one bank protects their customer and the other doesn't. I always protected my customers XXXX has both the products and my monies totally {$2300.00}. I am a recent widow and hope you can help me. I can send you all the documentation. I can't scan it on my computer.
Thanking you in advance.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX cell
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| 03/30/2017 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
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This letter is regarding account # XXXX, which you claim I owe {$3300.00}. This is a formal notice that your claim and validity of this debt is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you on this charged off account.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in " counter claim '' small claims legal action against your company at my local venue.
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My contact information is as follows : XXXX XXXX XXXX, Texas XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
|
| 11/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Servicemember |
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On XX/XX/2022, I received a text message from AAdvantage Aviator World Mastercard ( Barclays ) automated fraud alert system that a potentially fraudulent charge of {$470.00} was being made on my card ending XXXX by XXXX. I responded to the alert in agreement that the charge was not valid and indeed fraudulent. Despite my verification of fraud, XXXX allowed the charge to go through. After I called XXXX, the charge was removed from my account, my card was replaced, and an investigation was allegedly conducted by XXXX. A couple weeks later, I received a letter from AAdvantage Aviator World Mastercard stating that the investigation was completed, and the conclusion was that the charge was valid and I was being re-charged the full amount. The reason, XXXX said, was that XXXX verified that a package from a " XXXX XXXX '' was sent to my address related to the charge and therefore the charge was valid!
The fact is I did receive a package from a " XXXX XXXX, '' a strange manilla envelope filled with random magazine pages addressed to me and sent via USPS signature tracking. it was received by the XXXX store where I have a XXXX XXXX XXXX XXXX verified my real account and that I have never ordered anything from a " XXXX XXXX '' and I have never added credit card ending in XXXX to my POSHMARK account. Someone, probably " XXXX XXXX, '' created a fraudulent account in my name and shipped me an envelope full of garbage. In my last correspondence, XXXX responded Thank you for your email. We apologize for this alarming experience. At this time we have restricted and removed all the information from this account. Please reach out to your bank for more information regarding this compromised payment method. My real account with XXXX, by the way, is still open and active.
I sent this information, by letter, to AAdvantage Aviator World Mastercard ( Barclays ), as XXXX advised, and XXXX stated that XXXX has still not reached out to XXXX to confirm that the charge was fraudulent. The charge is still on my credit card and will remain there until XXXX confirms the fraud.
Neither XXXX nor XXXX will take responsibility for allowing this fraud to happen and I am stuck between the two, each telling me to talk to the other.
|
| 09/18/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
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|
Web |
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This company is unbearably incompetent. In XX/XX/2019 I applied for a balance transfer to a 18 month 0 % APR Barclay card. When I did this transfer ( from a XXXX card ), I accidentally typed the wrong account number in. I called Barclay to fix this, they said I had to file some paper work. I called XXXX, and they told me they had already remedied the issue, and not to worry about it ( cause this is how a competent company manages money ). I called Barclay back and told them XXXX took care of it and to ignore the file I had made of correction. A week went by, My XXXX card was XXXX out, and my Barclay card had the correct amount of debt on it ( Starting at about XXXX ). All of a sudden 3 months later, Barclay randomly decided to just decimate this card. They said my file of correction ( that should've been shredded ) forced them to return the entirety of the {$14000.00} credit to XXXX. XXXX having no more account, AUTOMATICALLY FIXED IT ( unlike this trash heap of a bank ), and sent it back to Barclay. Barclay RECHARGED ME the balance transfer, and after talking with 6 different people over the course of 5 hours - one of which yelled at me repeatedly, THEY REFUSED to nullify the SECOND balance transfer of over {$300.00}, because they blamed me for the error. I filed a CFPB complaint, and they FINALLY cancelled the 2nd transfer fee. NOW HERE WE ARE AGAIN! 2 weeks later, and they are charging me an interest fee of nearly {$300.00} meaning they NULLIFIED the 0 % agreement we had BECAUSE OF THEM FAILING to stop that file AFTER 3 months. I think its fair to say they people, out of pure 100 % neglect, are stealing from me. I demand them to cancel all interest fees, double check every transaction on account and make sure there is NO MORE than one balance transfer fee. DOUBLE CHECK all credit reporting for any false reporting of any false debt. And lastly, APPLY AN EMERGENCY {$400.00} CREDIT to the account, as they have failed on several occasions now to uphold the contract of this card, and literally attempted to steal nearly {$1000.00} from me due to negligence. This credit will be applied to getting a new 0 % APR card far away from the incompetencies of Barclay. THIS EVIL SHOULD BE PUBLISHED EVERYWHERE
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| 04/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
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To Whom It May Concern, I am an account holder with a credit card issued by Barclays USA. In XX/XX/2022, Barclays provided me and presumably other account holders with an offer beginning XX/XX/2022 and ending XX/XX/2022, stating that ANY airline or other travel purchases charged to the Barclays credit card during this period would be subject to a discounted interest rate of 3.99 %, rather than the customary standard purchase 20.24 % APR.
I clicked on " accept offer '' and subsequently, from XX/XX/XXXX to XX/XX/XXXX, charged XXXX XXXX tickets with XXXX XXXX, XXXX, and XXXX, several XXXX tickets with XXXX and XXXX XXXX local XXXX XXXX, totaling {$2600.00}. XXXX When I received the billing statement yesterday for the time period of XX/XX/XXXX to XX/XX/2022, the purchases were split in two sections, one for standard purchases subject to the standard APR of 20.24 % and one section with the promotional purchases, subject to the promotional interest rate of 3.99 %.
Inexplicably, the only purchases subject to the promotional interest rate totaled {$590.00}. The XXXX XXXX tickets were NOT included under promotional purchases and instead were included under the standard APR, thereby completely deviating from the offer that was provided to me and presumably other cardholders.
I contacted Barclays USA today and wanted this issue rectified. The representative on the telephone confirmed that the XXXX tickets were not included in the promotional purchase section and provided with the lower interest rate. Her " explanation '' was that " these major XXXX do not have a deal with Barclays, so you can't get the lower interest rate. '' This is extremely deceptive, illegal marketing, since : a ) The offer did not distinguish or even mention some type of " deal '' or even marketing relationship necessary with Barclays to enjoy the lower interest rate b ) The representative was asked to locate the offer on the website, she stated that " we can't find it, but trust me, you have the offer, don't worry. '' Since the interest rate needs to be recalcuated and the purchases properly allocated the promised interest rate, I am turning to CFPB to investigate and remedy this gross violation of terms.
Thank you XXXX XXXX
|
| 09/06/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
Spoke with XXXX XXXX from Barclay XX/XX/XXXX Barclay Bank Delaware allowed a fraudulent account to be opened on or about XX/XX/XXXX, I notified the Fraud department for Barclay Bank Delaware that the account was fraudulent and that any and all charges that were on the account was fraudulent and I wanted to dispute them. A investigative representative for the Bank contacted me stating that the investigation was concluded and that the account was opened by a family member most likely, so they would not consider it as fraud and that they would not provide me a signed contract or agreement as there was none, he stated that the account was opened online. I disputed the items via the credit bureaus as well and Barclay Bank Delaware provide false account information. Barclay Bank has utilized fraudulently obtained information in opening this illegal account and knowingly allowed it to be opened by suspicious mean, lax security measures and failed to protect my consumer information and provide adequate security, protection and resolution measures in alignment with the FCRA. They have continued to report on my credit report an account that they themselves admitted that they found to not be mine. Stating, " Tho the account is n't yours we reasonable believe it is someone in your house hold therefore you are responsible '' Monday will work on it, will call back no later the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX..
Followed Up to Calls Tuesday XX/XX/XXXX and Wednesday XX/XX/XXXX. Spoke with XXXX in fraud, she said she would reach out to XXXX XXXX or someone in upper management to see if they could sort this out. I was transferred to a Supervisor other than XXXX who stated that he was out of the office for the week, however that she reviewed the account and that the account would not be removed and that I would be held accountable for the account. I asked for a copy of the signed application and signed agreement, she stated there was non and that they did not utilized signed agreements that they just verify information and if it matches up they approve the account. At the time the identity theft occurred I had a fraud statement on the account as well however they were still able to open this fraudulent account.
|
| 11/28/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I am a flight attendant living out of state in base. My husband has been doing the bills. This week we received a notice from the collection agency XXXX XXXX. Prior to this, we received no notification that our automatic payment is no longer attached to the new XXXX credit card. Therefore, we haven't been paying the bill since XXXX. The collection agency is the first notice we received. I called XXXX today, XXXX and spoke with XXXX. He said that someone attempted to call, yet we have no voicemail or notification to prove it. He then transferred me to XXXX who is in collections through XXXX. She said that there were XXXX letters sent. We said that we never received those notices even though the correct address was verified. I asked if she could email them to me. She said it would take a bit but she would do it. It is now XXXX as I have waited over XXXX hours and still nothing is in my inbox. I find it a bit suspicious that she said she had these documents yet they can not be forward in a timely manner making me think that they actually don't exist. Then my husband XXXX XXXX called XXXX today. He spoke to XXXX in account release. XXXX stated that XXXX doesn't have to notify us of missed payments and then lectured him about paying bills. If you check our XXXX XXXX, I was XXXX points away from a perfect score. We are not delinquints. We had an issue with XXXX with this new card. A payment of {$1600.00} was sent in XXXX but went to the old account and not the new one. I called every XXXX weeks to try and resolve this issue in which they could not find this payment. Not once did anyone say my account was disconnected. I finally resolved it last month using my bank.
I am very dissapointed with XXXX to say the least. I do not mind paying what I owe and would pay it immediately since this is the first time I have been made aware. What I do mind is the {$360.00} fee charges when we didn't even know we were delinquent and given the chance to rectify. This is very poor business and seems like a scam to make money.
I will be out of the country now for a while so I would be XXXX weeks delayed in any response. My husband XXXX XXXX is available. HIs phone number is listed. His email address is XXXX XXXX
|
| 06/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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Back in XXXX a charge was placed on my Barclay 's forward XXXX for {$650.00} from Home Depot.Com this is a unknown charge I have not authorized, nor have I given any such individuals use of my credit card.
Upon receiving my billing statement I immediately called Barclay 's customer service number to notify them of this fraudulent charge and immediately cancel my account, and then open up a new account with a different card number.
I was assured by Barclay 's customer service I was protected from fraud on my card with their Zero liability on unauthorized, unknown charges to the cardholder.A conditional credit was issued for that amount mentioned above, until it became Final and closed by Barclay's.This letter was dated XXXX XXXX stating, After conducting our investigation you are not responsible for the fraudulent activity on your account.Then received a letter from Barclay 's dated XXXX XXXX that is was reversed and the charges will be billed back to XXXX appealed their decision in writing, then appealed their denial once again, have sent numerous letters to XXXX 's even XXXX a letter to the office of the President of the company as well.
XXXX XXXX XXXX XXXX XXXX # XXXX, response received a few days ago, after two attempts, NO response from Barclay's.Also did a dispute via telephone with XXXX Conf # XXXX XXXX XXXXAlso placed fraud alert with XXXX as well as a online dispute with XXXX with the help of XXXX XXXX.com they noted the dispute meets FCRA only listed on XXXX XXXX side of credit report.XXXX is now reporting me past due on this fraudulent charges that Barclay 's has reported.It seems that somebody hacked into my phone with and somehow got this account number.
I also submitted a complaint to XXXX at The Federal Trade Commission on XX/XX/2022 Complaint # XXXX.
Please assist me my Credit score is over XXXX and this Company refuses to comply with their policies and Federal consumer protection laws.I can furnish what ever you need from me upon request, I would gladly forward them via email.Please I have endured some much stress from a fraudulent purchase done by a cyber hacker.
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, Vermont XXXX Home Phone- ( XXXX ) XXXX Voice mail only-NO Texts
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| 01/08/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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At first it started off with messages being left on my cell phone voicemail, that they were NEVER given permission to call, never left the Mini Miranda, the name of the company and when I tried to call the numbers back, the phone just rang. At first, I assumed it was a scam and ignored. After continued calls and threats left on voicemail, of which I have saved, I was given a number to call back, which I did. At that point, I left at least 2 messages notifying them this was my cell phone and not to call that number and that I filed bankruptcy and all debt was included. I left the attorney 's information to contact. I also asked for a letter to be mailed regarding the debt as I have never received any notification of the debt. I received nothing that I requested to comply with FDCPA and provide notification of the debt being collected on. This also did not stop the calls. XXXX XXXX continued to call and leave voicemails. Today he called again and I was near my phone and answered the call. He proceeded to tell me that " they '' ( he still did not provide name of agency ) were going to file garnishment against my pay. He also then made the comment that I am filing bankruptcy every 7 years, just spending money and then filing bankruptcy, which is harassment under FDCPA. On NO message left was the Mini Miranda and each contact was a collection effort. When I told him today the credit card was in my bankruptcy, he stated that it didn't matter, that the client had requested to file garnishment against me. I advised he needed to contact my attorney and he stated he knew who I was and would just proceed with his client 's request. He stated that Barclay was not included in my bankruptcy. This was the FIRST time I was notified of who the creditor was. I told him that I knew it was included and he needed to contact attorney. He would not take the attorney information. Instead, he continued to threaten me with garnishment. I told him, if he file anything against me, I would file suit, and he hung up in my face. I will be contacting an attorney to file suit for harassment and several other FDCPA violations. This credit card ( Barclays ' ) was included in my Chapter XXXX bankruptcy and is not owed by me.
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| 08/15/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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In XXXX I received a collections letter from XXXX and XXXX regarding a credit card debt to Barclays Bank which I do not believe I owe and replied requesting validation. I received a response which I do not beleive meets the requirements for debt validation under New York or federal law and replied specifically requesting the following : a copy of the original signed credit agreement or application, transaction summaries showing how and when the amount they claim I owed was calculated, proof that XXXX and XXXX was authorized to collect the alleged debt on behalf of Barclays Bank, and proof that XXXX and XXXX is licensed to operate as a debt collector in XXXX XXXX XXXX. I received no further communication from Barclays or XXXX and XXXX for several years which I took as a tacit acknowledgment that they were unable to validate the alleged debt.
On XX/XX/XXXXXXXX I received notice that XXXX and XXXX was seeking default judgement in a lawsuit they claim to have filed against me in XX/XX/XXXX. I was never served with this lawsuit and had no knowledge of its existence prior to receiving this notice. Per documents filed with the court the initial complaint was served to a third party identified only as " XXXX XXXX ( name refused ) - co resident '' ( I live alone and have no idea who this could be referring to ) and the complaint was sent by mail to an incomplete address. Documents also show that an additional notice was sent to the same incomplete address and returned as undeliverable by the postal service.
I made multiple attempts to contact the attorney of record ( XXXX XXXX ) by phone but the number provided for him in a filing is directed to one of several non-attorney collections who immediately start talking over me or disconnect the call when I raise any of the following issues : The alleged debt was never validated, XXXX and XXXX knew or should have known that the original complaint was not properly served, by the time I became aware of the lawsuit the alleged debt ( if valid ) was time barred, all Barclays Credit Card agreements include a mandatory arbitration clause and even if the alleged debt is valid the lawsuit is improper as the matter should have been pursued in arbitration.
|
| 03/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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On XX/XX/XXXX, my wife and I reviwed our statement from Barclaycard covering the time period from XX/XX/XXXX to XX/XX/XXXX. The statement was XXXX pages long and included many transactions that were repeated XXXX or more times as credits to the account and then as debits to the account. And, the original dates of some of the transactions went back months before the statement period but then showed new posting dates within the statement period. We each called Barclaycard several times over the next couple of days to ask for a new, accurate statement. They did not provide a new statement. Instead, they sent additional copies of the same statement. They promised us that they would not charge any interest or late fees on the account until they were able to provide us with an accurate statement. We have called to follow up at least once per week for the last month. Barclaycard promised that with our next monthly statement, they would correct the problem. They did not correct it. Instead, when we received the statement covering XX/XX/XXXX to XX/XX/XXXX, it had similar problems with mulitple transactions repeated as credits and then as debits to the account. It also showed a large interest charge. When we called to complain, they claimed that the interest charge was removed and promised to send new, corrected statements for each of those two months. They sent new statements but they were exact copies of what they had already sent us. We called to complain again and they said that the problem was being reviewed and they could not tell us when it would be resolved. They again promised not to impose any interest or late charges and agreed that we had no way to accurately determine what we owed- but it is not clear if they will follow through on those promises. More than a month and two billing cycles strikes me as an inordinate amount of time to correct inaccurate billing statements and provide accurate ones. They have claimed this was all due to a system upgrade and we have talked to several supervisors, but there is still no resolution or timeline for a resolution. I don't know how to get them to provide accurate billing statements so that I can pay what is owed other than raising this complaint.
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| 06/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in an envelope sent to all three credit bureaus ( XXXX, XXXX, and XXXX ), this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases.
The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company.
The account was also deleted from my XXXX and XXXX reports as well so in order to correct the inconsistencies between the XXXX, XXXX, and XXXX credit reports, the account needs to be deleted from the XXXX credit report.
The information for this account listed on my credit report is : CREDITOR : BARCLAYS BANK DELAWARE, BALANCE {$11000.00}, OPENED XX/XX/2017, ACCOUNT XXXX
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| 08/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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A charge was made on my Barclays XXXX in XXXX which I disputed. by calling the number on my card. They said they couldnt resolve at that time, to call again during business hours. I did so the following week, they said they would forward my complaint to to the fraud department. I called again, they said they never got the complaint. I called again, was on hold for over 30 minutes, operator came on, call immediately disconnected. Variances of this continued to occur from XXXX to XX/XX/2020. I cancelled my card in protest because I told them I lost trust in their services and are practicing predatory lending as I continued to receive bills with late fee charges. In XXXX I was told I needed to send my statements to the fraud dept. I asked why they couldn't do it, it is their own system. They gave some convoluted response. Information faxed to them three times, each time I call after it is faxed they tell me I have the wrong Fax number. Everytime i am on the phone with them it is a 15-20 minute wait time, then another `5-20 minutes of the same questions and silence about account numbers, and who I need to speak to, but when transferred, call is dropped. I have done everything they have asked, done my due diligence, and they cont to charge me late feels on a XXXX dollar charge I have been disputing for seven months. It has affected my credit score in a negative manner and they have no intention of resolving it and continue to drag it out without even so much as a case number. For XXXX months. Over a XXXX dollar charge. I now have XXXX dollars in late fees and a credit score that has dropped XXXX points because of them.
FAX numbers given by their 'customer service ' people include : XXXX also XXXX and XXXX first fax bounced. Called barclays, they said it was the wrong number, given second number which went through. No response for 4 days. Called XXXX, told I had to call back during business hours because the fraud dept was not there. Called again, spent 23 minutes on the phone, given the third number, put on holds intermittently for up to 7 minutes at a time, then disconnected, again. This is affecting my credit rating and judgement by other lenders during a pandemic and it is not okay. XXXX
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| 01/29/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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On XX/XX/XXXX, I used my credit card to purchase something online which turned out to be a scam. Immediately, after submitting my payment, I realized it was a scam. I logged into the Barclays online account to find that I was not permitted to dispute the issue for 2 weeks. I tried calling their customer support but gave up after 60-120 minutes on hold. I tried calling back over the next few days but kept running into long hold times. I eventually submitted a dispute on this charge online after the 2 week window opened up and allowed me to submit the dispute.
Credit Card : Barclays Master Card Purchase Date : XX/XX/XXXX Amount of Dispute : {$130.00} XX/XX/XXXX : On XX/XX/XXXX, I received a letter from Barclays. You will see the attached mail from Barclays - Barclays did not believe me and sided with this vendor stating that I supposedly received a package. No package was received. I called the USPS but they had no proof either.
I have been a great customer since XXXX. I have good credit with no issues paying my credit card consistently. I always pay off my balance - perhaps that's the problem? Even though I knew it was a scam and I never received any merchandise for the purchase, I paid Barclays the {$130.00} since again, I always pay my bills on time.
I disputed the case again, in writing.
XX/XX/XXXX I submitted documentation to Barclay again to fight for my case. Finally, you will see that Barclays believed me and said they will issue me credit of {$130.00}.
XXXX XXXX. I am still waiting for my money.
I have been calling Barclay many times since XX/XX/XXXX. I do not have it all documented but I called a few times in XX/XX/XXXX. I have documented that I called XX/XX/XXXX and XX/XX/XXXX. Each time the customer service says that I will get my money back and that I should just get it back in 5-10 business days. This has all turned out to be false.
So, I submit this in deep frustration and disgust with Barclays customer support and handling of this issue.
So, since XX/XX/XXXX, Barclay has held onto my {$130.00} and not returned it as promised after all this hassle.
I have closed my account with them in disgust. I expect better customer service and trust in their Customers.
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| 11/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/2021 - we purchased with XXXX XXXX. This purchase included an additional fee for expedited shipping ( XXXX days ).
On XX/XX/2021 - the day of expected delivery, nothing arrived. We attempted to contact the vendor a few times throughout the day but had no luck. Our final attempt of contact was through email, where we asked XXXX XXXX to cancel the order and refund the charge. Still no response. We purchased the same item through another vendor named XXXX XXXX XXXX and used the same card on this same day.
On XX/XX/2021 - the shipment from XXXX XXXX arrived.
We made multiple attempts to contact XXXX XXXX, and when they finally answered, they claimed the shipment was sent in error after cancelation. However, pool XXXX asked us to ship it back, so we did.
On XX/XX/2021 - the item was sent back to the vendor through XXXX Tracking # XXXX.
On XX/XX/2021, @ XXXX PM - The shipment arrived at the vendor.
On XX/XX/2021 - I did not see a credit appear on my account as promised by the XXXX XXXX, so I contacted Barclays and filed a dispute. A credit was issued against the charge, and Barclays told me they would handle it.
On XX/XX/2021 - I noticed a charge on my account for {$400.00} from XXXX XXXX dated XX/XX/2021. I contacted XXXX to find out what was going on. After speaking with a couple of people who gave differing stories, I asked to speak to a XXXX. I was told there was no XXXX available, so I asked to talk to someone in the XXXX, which was not an option either. I was told they would have to message a XXXX, and someone would get back to me. No one ever did.
On XX/XX/2021 - I received a letter from XXXX stating they attempted to reach me on XX/XX/2021, and XX/XX/2021. These claims are false. I have no missed calls, nor did anyone leave a voicemail from these alleged calls. Additionally, there was an alleged statement from the vendor claiming they ( the vendor ) did not receive the returned item within the XXXX day return policy. We received the item on XX/XX/2021, and it was shipped back to the vendor XX/XX/2021, and received by them on XX/XX/2021. This is well within the XXXX day policy. Please see attached documentation.
Would you mind helping fix it?
Thank you
|
| 11/22/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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|
Web |
Servicemember |
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On XX/XX/XXXX Barclay 's Bank Delaware secured a judgment against my brother in Alabama, for unpaid unsecured credit card debt ( {$2600.00}, last reported to us as *now* {$2700.00} ).
On XX/XX/XXXX, my brother died.
From about XX/XX/XXXX, my family has tried to rectify this matter as it now seems to impact properties our XXXX XXXX owns in full and independent of our deceased brother.
Calls were made to Barclays and/or everyone to whom they directed us in XX/XX/XXXX, several times in XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
These include calls to Barclays ( I assume collections agents ) XXXX XXXX ; XXXX, XXXX ID # XXXX, and others.
Faxes were sent in XXXX several times in XXXX to provide ( identical ) information Barclays agents requested, and on XX/XX/XXXX, XX/XX/XXXX, and at least XXXX other unrecorded dates. Documents were also mailed.
We were informed on a phone call that the account had been closed and cleared. We also received a letter from Barclays stating that the account had been closed after my brothers death. The title company states that a judgment against our brother 's estate remains.
We have explained *in detail* the issues related to our mother 's properties, our understanding of the statute of limitations on Barclays ' effort to collect on this debt, and that our brother is dead. Barclays has resisted any corrective or productive communication, either in writing or on ( witnessed ) phone calls. Barclays has requested that the same document ( XXXX ) be submitted again and again, and then still taken no action.
Barclays has sent no information and provided no guidance about how to get the judgment removed from XXXX XXXX XXXX solely ownedproperties. They have sent us in circles, from one department to another round and round and round.
Our contention is : 1 ) Barclays has no right to retrieve the debt based on the statute of limitations for collection.
2 ) Barclays has been intentionally uncooperative and unwilling to relieve even our XXXX from an issue that is entirely unrelated to her.
3 ) Barclays has been intentionally and willfully uncooperative in relieving our deceased brother 's property from the property lien.
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| 04/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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I am writing to dispute a charge of XXXX to my XXXX account in which I have been disputing with Barclays XXXX and the XXXX XXXX, since XX/XX/XXXX. The merchandise I received from XXXX XXXX was inspected by a XXXX XXXX store in XXXX XXXX XXXX, in XXXX VA on XX/XX/XXXX, XX/XX/XXXX, and by The XXXX on XX/XX/XXXX. On all three dates it was determined the merchandise I received is indeed fake.
I ordered the item on XX/XX/XXXX. The seller XXXX XXXX XXXX has a FAST SHIPPING | 7 DAYS MONEY BACK GUARENTTEE policy on their webpage. I received my led to believe authentic XXXX XXXX handbag merchandise 15 days after purchase ( see attachments ). When the seller shipped this led to believe authentic XXXX XXXX XXXX, they only valued the bag to be worth XXXX dollars.
Their web page states all products are 100 % authentic and once you receive your merchandise you can get it authenticated. On XX/XX/XXXX ( one day after receiving ), and XX/XX/XXXX, I was told verbally it was fake by a XXXX XXXX sales associate. XXXX XXXX will not offer authentication services in writing because it will damage their brand history and many years of expert craftsmanship. I believe XXXX XXXX knows XXXX XXXX will not offer authentication services in writing and that is why they state to get it authenticated by a XXXX XXXX retail store. On XX/XX/XXXX XXXX XXXX did send me an email after my 2nd visit stating this.
On XX/XX/XXXX, Barclays XXXX requested that I get a 2nd opinion document on letterhead from another licensed or qualified merchant in the same line of business to support my claim. I reach out to The XXXX. The XXXX XXXX XXXX is an online and brick-and-mortar marketplace for authenticated luxury consignment. Due to Covid-19, my appointment was schedule for XX/XX/XXXX. On this date it was determined again this merchandise is not authentic.
A senior valuation manager for XXXX XXXX inspected the merchandise on XX/XX/XXXX and discovery the colorway throughout the dust bag, the date code tab shape, date code font, the inferior quality materials throughout, logo tab, colors and fonts used throughout collateral ALL INCORRECT XX/XX/XXXX, Barclays XXXX has closed my case ( XXXX ), due to too much time spent.
|
| 04/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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|
Web |
Older American |
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On XXXX XXXX, 2019, I made a payment from our checking acct in the amount of {$4000.00} through XXXX XXXX XXXX bill pay to XXXX Master card, Barclay Bank and the following day I realized that payment was suppose to go to XXXX XXXX XXXX Visa. So I called XXXX and asked them to intercept this payment but was told that they couldn't. So I called Barclay bank and asked to return my $ but at that time the payment hadn't processed yet so they couldn't do anything. The following day, I called again and asked to have that money returned to my XXXX account electronically but was told they don't do that but they would return the funds by check and it would take 7-10 days. We were going away so I assumed the check would be in our mail upon our arrival him. XX/XX/XXXX, no check. On XXXX, I called Barclay Bank and asked where my check was and was told it was sent back to bill pay processing company. ( Payment Processing, XXXX XXXX XXXX, XXXX Ill. XXXX ). A case was created XXXX and an investigation began & I would hear back in once again 7-10 days. I then called XXXX and they conference called Barclay XX/XX/XXXX with me and requested they transfer those funds and again was told they don't do that. XXXX requested batch # of that refund check to XXXX XXXX & Barclay requested proof from XXXX that payment was withdrawn from our account and not returned to that account. XXXX faxed info & on next conference cal XXXX requested transaction # for round check, Barclay-no transaction #, how about a batch #. Barclay was to fax the batch # to XXXX within 48 hrs. Next conference call On XX/XX/XXXX I requested a supervisor from Barclay & she gave XXXX a transaction # of XXXX & they once again were to fax a copy of returned check to XXXX and I requested a copy mailed to me, that would take 15 business days. As of XXXX I still have no answers let alone my funds. I emailed a complaint to Delaware banking commission and am still awaiting a reply. XX/XX/XXXX after a call to XXXX, was told they're still investigating it. XXXX case # XXXX. I expect my funds returned and as I've expressed to both banks that if I'd been late all this time in paying my fees & interest on that amount of money would be astronomical.
|
| 12/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I get setup on a 'hardship program ' with Braclays Bank Deleware Frontier Mastercard on XXXX XXXX, XXXX. The setup a scheduled payment for the program for the XXXX of each month thereafter ; on XX/XX/XXXX the payment drafted my account, when I reviewed my bank account on XXXX XXXX, XXXX, I did not see the monthly payment debited. I called that day and found out they only scheduled XXXX for autopay, and I make XXXX payment on XX/XX/XXXX in full. I then found out through my credit monitoring service that my score dropped about XXXX points because Barclays reported me 30-days late. I called Barclays back to find out what happened, they then proceeded to tell me that a prior statement went out around the same time I had enrolled in the hardship program, at the end of XXXX, and that was likely why it was reported to my credit as late. So they said they would credit the account for some interest and other fees that I was charged, and required me to make an additional payment to get the " account current '' ; but I was not otherwise made aware this account had an outstanding balance when I setup the payment program. I was told the payments that they scheduled, and the {$230.00} per month was all that was needed. So after waiting on credits to update on account, they still did not properly report to credit bureaus that my account was not late. It has never been 30-days late, and for the month of XXXX, XXXX where my credit report is showing a 30-day late status, the payment was made within 5 days of the due day, which I had thought was setup as an automatic payment. The account was Never close to 30-days late.
Payment XX/XX/XXXX ; conf # XXXX Payment XX/XX/XXXX ; conf # XXXX ( I also setup 12-month automatic payments to ensure this was not an issue ) Payment XX/XX/XXXX ; conf # XXXX Clearly you can see there were no 30-day late payments. I have not had a 30-day late in 26 years on my credit... this is inaccurate and severely damaging to my credit and at this time I am trying to do a refinance on my home. This credit impact will prevent me from getting the best rate, and can cost me thousands of dollars in interest over the term of a home refi. I need this inaccurate reporting removed.
|
| 07/18/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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I made an online purchase of multiple clothing items from XXXX XXXX for a total of $ xxxx.xx back in XXXX . 2016. It was shipped in XXXX boxes with XXXX separate charges to my credit card. The merchandise was all a size too big and of inferior quality, so all was returned in a fairly timely manner - in one box. XXXX credited less than half the amount with assurances that the full amount would be credited. Then, that did not happen ; XXXX will only issue a store credit which is not acceptable as the merchandise is not quality.
I opened a dispute with Barclay Card us. Barclay refused assistance of any kind for the following reasons. ( 1 ) They allow only 60 days to file a complaint. When a filed a written response explaining that I had been dealing with the merchant for months, who had assured me of a full refund but never delivered, they refused on a different basis as follows : ( 1 ) Before I returned said merchandise, I was to have gotten a letter from a competitive designer stating that the XXXX XXXX clothing did not fit and was inferior. This information needed to be on the competitive designers letterhead " detailing how the merchandise received from the above merchant was incomplete, unnecessary or of inferior quality, size, color, or unsuitable for the purpose sold etc. PRIOR to returning the merchandise back to the merchant. '' Ridiculous! Take a moment to consider, is it EVER a customary practice to have a competitor write a letter guaranteeing that the merchandise consumers need to return is defective?! This is a outrageous criteria for a bank to insist upon to credit a consumer.
( 2 ) I needed " to supply a letter of intent as proof the merchant intends to credit my account ''!
This is also outrageous criteria for the consumer - is n't this what my fees for this card pay for? It certainly is what XXXX XXXX XXXX and our American banks do. Barclay 's reasons for blowing off the consumers can not possibly be legal ; their tactics all but guarantee that money will be stolen from us from the big banks as is the case here.
Thank you for reporting this to the authorities. I hope a Barclay can be restricted from doing business in the US.
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| 04/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XX/XX/XXXX requested balance xfer on line of {$850.00} to pay XXXX XXXX CC ending in XXXX. Called about 10 days after requested to confirm why not processed. Advised " It takes times ''. Assuming they sent check I waited a few more days. On XX/XX/XXXX opened a formal investigation. Was told 10-20 days, with no specification of business or calendar days. Since this time, I have made repeated calls to Barclays Bank and been provided with multiple responses ( ie., takes 10-20 business days - could take up to 3 weeks - takes 45 calendar days - takes 60 calendar days ). Issue has to do with account # at XXXX XXXX wihich appears to be incorrect. They will not tell me if this was my error or if they had an input error when processing. They will not provide me with steps taken to contact XXXX XXXX, instead recommending that I contact XXXX XXXX, Will not advise how the funds were xfered., ie, electronic check, paper check, ach credit. Have spoken with supervisors who continue to advise issue escalated. Received no written communications, although was promised they would send communication on XX/XX/XXXX. Called today, and received same response, that I could call back in 60 days which would be XX/XX/XXXX to see " if '' resolved. This CC company has not provided consistent information on how the process would be handled. Getting the proverbial run-around. I will call again on XX/XX/XXXX to see if they provide me with a resolution. However, after being in banking/investigations for over 40 years, this has been handled very poorly. The customer service process appears to be outsourced to a 3rd party and each have " scripted '' responses, with no sense of urgency on when and how to escalate. Without being judgmental, as I am hearing impaired, I find the verbal communication skills extremely lacking.
In today 's world of automation, it is unacceptable that it would take 60 calendar days to contact an intended recipient ( in this case - XXXX XXXX ) and resolve the issue. All transactions have trace # 's and should be easily identifiable. Contingent credit for disputes should be granted after 30 days. Consumer should not be affected due to companies inability to handle an issue timely.
|
| 11/29/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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I have an XXXX XXXX XXXX XXXX issued by Barclays bank. I recently received my XXXX billing statement and noticed the annual fee renewal notice. The notice mentioned that my account will renew next month and an annual fee ( {$99.00} ) will be billed next month. Barclays has changed card benefits twice in the past year, which impacts the value I receive. I've previously called to opt out of changes and request a copy of the card 's terms, but they never seem to be able to provide them. Due to this type of frustration, on XX/XX/19, I called customer service to mention that I did not get enough value to justify the annual fee. The fee notice specifically mentioned calling to " discuss alternative products that may be available or to close your account so that the fee will not be billed. '' The phone agent, XXXX, attempted multiple times to resell me on the card benefits and said he was unable to waive the annual fee. I had not asked about a fee waiver, but kept asking about the alternative products mentioned in the statement notification. The agent told me he couldn't offer my any alternative products and wouldn't waive the fee. He told me my only alternative was to close the account. I responded that I might close it, but that wasn't my first choice. I didn't like the agent 's tone or attitude, so I asked to be transferred to a supervisor. The agent resisted making the transfer, but I insisted on speaking with a supervisor. At that point, the call was disconnected. I can't say with certainty that the agent hung up on me, but it wouldn't surprise me.
When I attempted to call back and speak to another agent, I found out that XXXX ( the prior agent ) had closed my account. While this may have become the ultimate outcome, the agent had clearly closed the account without my express permission. I was able to speak with another agent, XXXX, and she confirmed that the prior agent closed my account. Given the poor service, I'm fine with ending the relationship with Barclays, but it's clearly a violation to close a customer 's account without express permission. Closing an account has several implications and closing an account without permission can not be condoned or permitted.
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| 10/06/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with cash advances
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Web |
Servicemember |
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My Issue : Barclay Mastercard does not provide a way for me to find out what my XXXX XXXX XXXX is. And they do not provide me a way to apply payments to the XXXX XXXX XXXX.
What happened : I accidentally used my Barclay Mastercard at an ATM in town on XX/XX/XXXX. I intended to make a withdraw using my bank debit card. The ATM machine did not indicate in any way that it was a cash advance on my credit card.
I needed {$1000.00}. and thought I was withdrawing from my checking account. I chose Checking account on the ATM.
I had to do two withdraws of {$500.00}. each. My original {$1000.00}. withdraw was denied by the ATM.
I was not notified by the ATM or my credit card company that I had done a Cash Advance.
I noticed a few days later that there were 2 charges of {$25.00} on XX/XX/XXXX in my credit card transactions.
I called Barclay Mastercard and they told me that I had done 2 XXXX XXXX of {$500.00} each and they would not refund the two {$25.00} fees.
I asked them how could I see what my XXXX XXXX balance was so that I could avoid paying their % 24 interest fee.
They told me that only they could see the balance and that I would have to pay it off in full to avoid any interest fees on the XXXX XXXX.
I paid an additional amount ( {$1200.00} ) in addition to my auto payment on XXXX XXXX, and had to hope that it would be applied to my XXXX XXXX balance. There was no way for me to apply the extra payment to my XXXX XXXX XXXX.
I then called Barclay back on XX/XX/XXXX to ask how I could see if I had a XXXX XXXX balance.
I was told I would not be able to see my XXXX XXXX balance and I would just have to wait for my next statement to see if any fees were charged.
And once the fees were charged, they would not be reimbursed because the terms were in my customer agreement when I signed up for the credit card.
The terms for a cash advance ( fees and interest rate ) are in the customer agreement, but the fact that I can't see the balance is not.
I asked if I could disable XXXX XXXX on my card, they told me I could not.
Since the credit card company is hiding my XXXX XXXX Transactions and Balance, then they should not be able to charge me interest or fees on it.
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| 01/16/2016 |
Yes |
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- Closing/Cancelling account
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Web |
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As part of a divorce and bankruptcy proceedings in the Fall of XXXX, i notified XXXX XXXX XXXX that XXXX XXXX needed to be removed from the account before she filed for bankruptcy in XXXX of XXXX. Since i was no longer responsible for this account per the divorce agreement, this account was not included in the bankruptcy. I was sent a form, which my ex husband and i filled out and returned prior to her bankruptcy proceeding.
Following the discharge of her bankruptcy late last year, I pulled her credit report. i informed my ex husband i was still on the account. During XXXX and XXXX he incurred several late payments, before paying the entire balance in XXXX XXXX The account is still reflected on my credit bureau along with the late payment behavior from my ex husband.
My ex husband called on this initially in XXXX and was directed to a department that said this would be handled. He was told that it could take 30 days to correct. At this time nothing has been corrected. He called back and was told that they ca n't even transfer him to the correct department due to the fact that the account has been closed for too long. I was directed to address correspondence to this address.
Barclays responded that there was not an error in reporting. They purposely have ignored court documents specifying i was no longer responsible for the account. This was communicated to them in XXXX, followed up in XXXX and then again in XXXX when i realized it was never corrected.
i am a single divorced female with children trying to reestablish my credit after bankruptcy ( which was discharged in XXXX XXXX and should be removed from my bureau in XXXX XXXX - 7 years after filing ). The delinquencies from the credit card account i am referencing are leading to higher interest rates and increased auto insurance rates. We followed Barclays request for information and they have intentionally ignored court documents indicating i am no longer responsible for this account. I could have easily included it in the Bankruptcy in XXXX and not been responsible for the account but due to the legal documentation in the divorce papers it was not included.
if you need divorce documents please contact me.
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| 11/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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I noticed quite a few XXXX charges on my account. Not sure how they got there. I did remove my card off of there and closed the apple account down as well. I then called Barclay dispute line and said I need to dispute all the XXXX charges from XX/XX/2021 - XX/XX/2021. The person was nice and said there were quite a few charges and would put all of them in dispute. So a day or so goes by and I get credit for a few of them but not all. I called and the person I spoke to didn't know how to handle it and said I did receive credit. I said yes I did for a few of them but not for all of them. She wasn't sure how to go about the other ones and seemed a little lost about it. Not sure why they give credit for some but not all but here are the ones left that I didn't get credit for.
XX/XX/2021 {$39.00} XX/XX/2021 {$37.00} XX/XX/2021 {$21.00} XX/XX/2021 {$37.00} XX/XX/2021 {$37.00} XX/XX/2021 {$53.00} XX/XX/2021 {$21.00} XX/XX/2021 {$21.00} XX/XX/2021 {$10.00} XX/XX/2021 {$21.00} XX/XX/2021 {$53.00} XX/XX/2021 {$53.00} XX/XX/2021 {$32.00} XX/XX/2021 {$53.00} XX/XX/2021 {$10.00} XX/XX/2021 {$53.00} XX/XX/2021 {$58.00} XX/XX/2021 {$26.00} XX/XX/2021 {$32.00} XX/XX/2021 {$32.00} XX/XX/2021 {$100.00} XX/XX/2021 {$21.00} XX/XX/2021 {$35.00} XX/XX/2021 {$32.00} XX/XX/2021 {$37.00} XX/XX/2021 {$37.00} XX/XX/2021 {$21.00} XX/XX/2021 {$16.00} XX/XX/2021 {$16.00} XX/XX/2021 {$37.00} XX/XX/2021 {$53.00} XX/XX/2021 {$21.00} XX/XX/2021 {$21.00} XX/XX/2021 {$21.00} XX/XX/2021 {$37.00} XX/XX/2021 {$37.00} XX/XX/2021 {$32.00} XX/XX/2021 {$32.00} XX/XX/2021 {$49.00} XX/XX/2021 {$10.00} XX/XX/2021 {$37.00} XX/XX/2021 {$37.00} XX/XX/2021 {$37.00} XX/XX/2021 {$53.00} XX/XX/2021 {$37.00} XX/XX/2021 {$26.00} XX/XX/2021 {$53.00} XX/XX/2021 {$53.00} XX/XX/2021 {$53.00} XX/XX/2021 {$37.00} XX/XX/2021 {$37.00} XX/XX/2021 {$53.00} XX/XX/2021 {$100.00} XX/XX/2021 {$32.00} XX/XX/2021 {$32.00} XX/XX/2021 {$32.00} XX/XX/2021 {$37.00} XX/XX/2021 {$21.00} XX/XX/2021 {$21.00} XX/XX/2021 {$26.00} XX/XX/2021 {$53.00} XX/XX/2021 {$21.00} XX/XX/2021 {$21.00} XX/XX/2021 {$21.00} XX/XX/2021 {$26.00} XX/XX/2021 {$21.00} XX/XX/2021 {$53.00} XX/XX/2021 {$32.00} XX/XX/2021 {$37.00} XX/XX/2021 {$10.00} XX/XX/2021 {$32.00}
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| 04/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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I have a Barclays Credit Card USA Barclays,. XXXX XXXX XXXX XXXX, DE XXXX.
I have had the card for 9 years and use if for every purchase I make. I have always been successful at redeeming my miles to use for airline travel. I am a customer in good standing and have excellent credit status.
On XX/XX/2022, I purchased an airline ticket from XXXX in the amount of {$1100.00} with my Barclays Credit card. I had XXXX miles. Barclays awards {$100.00} per XXXX miles as a Travel Statement Credit.
On XX/XX/XXXX I submitted my miles for redemption. A week later I noticed that my reward miles amount had not changed.
On XX/XX/XXXX I called to inquire why my rewards had not been redeemed. I was told by the customer service agent that he would adjust my miles accordingly and I would be awarded {$1100.00} as a travel statement credit within that statement cycle. I was not. I called to complain. The customer service agents did not apply my statement credit again.
On XX/XX/XXXX, I tried to redeem my miles again. I got a " congratulations '' confirming that my miles had been redeemed. See attached. However, the amount of my miles did not change. Again I was not awarded my travel statement credit in the amount of {$1100.00}.
On XX/XX/XXXX I called to ask why Barclays was not giving me my Travel statement credit. I was told it would need to be investigated by the rewards department why.
On XX/XX/XXXX after numerous calls I was finally awarded a case ID number XXXX. I was told it would take 7 - 10 days or even 30 days for investigation. It has been 30 days and I have seen no correspondence from Barclays as to why they are refusing to give me my Travel Statement Credit.
As of today, XX/XX/XXXX, it is listed on my Barclays account I have 28 days left to redeem my miles against the XXXX purchase. After that the chance to redeem expires.
Are Barclays ever going to honor their agreement and give me my Miles?
This has been a cause of great frustration and stress. I am not sure why this needed to be investigated. I should be able to call customer service, they see I have above and beyond the miles needed. This has taken up so much of my valuable time to file this complaint.
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| 12/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Double payments were made to the credit card account ( credit card issuer is Barclays US which manages the GAP Rewards card ). Subsequently one of the payments was stopped at the Bank. However, the credit card company is still carrying the balance as unpaid when there are no balances to be paid.
1. Date of double payment - XXXX XX/XX/2022 amount paid were {$8800.00} and {$9000.00}.
Balance on the account went into refund position due to above ( {$8600.00} ) 2. Reported double payment to Credit card company on XXXX XX/XX/2022- they were unable to reverse one of the payments as it was done online through the web portal. Was advised to ask the concerned payment Bank ( XXXX ) to stop the amount.
3. Spoke to the XXXXXXXX XXXX concerning the double payment and asked for the XXXX to be stopped. XXXXXXXX XXXX stopped the XXXX - reversing the payment amount of {$8800.00} on XXXX XX/XX/2022.
4. the management of the credit card was transferred from XXXXXXXX XXXX to Barclays bank by GAP management adding to the confusion as it appears the customer balances were not properly carried over from XXXX to Barclays XXXX
5. Reported immediately in XXXX / XXXX / XXXX XXXX through multiple calls to Barclays credit card team the issues and a payment case ( XXXX ) / consumer complaint case ( XXXX ) was generated. I explained the entire issue how they are missing the refundable balance from the XXXX XXXX when the account was trasnferred from XXXX to Barclays causing the entire mismatch.
6. Barclays Bank disregards all the explanations and hasnt resolved the payment case till now but moves the account to Debt Collection.
7. I have recieved multiple debt collection calls harrowing for payment since XXXX despite no balance due to paid.
8. This debt collection has impacted my credit history and my credibility with my lenders- infact this has led to a higher interest rates on my new mortgage i had taken in XXXX besides causing ireparable XXXX agony and harm. Still the problem has not been resolved. Consumer is holding the bucket here for something which he doesnt have any control - account transfer between Banks on taking over of the relationship and issuing of new credit cards.
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| 07/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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Hello, My name is XXXX. I would like to file a complaint against Barclays. I recently opened an account with them. After I opened my account I requested to transfer a credit card balance from a different bank. After I requested the first balance to be transferred from another credit card that belongs to a different bank, I requested a second balance to be transfer. The same day or the day after I decided that it was not necessary to transfer both balances, so I decided to cancel one of the transfers or the second balance that I requested. I spoke with a representative before both transfers were processed to cancel the second credit card balance transfer. At the end of the call, he told me that the second balance transfer was cancelled and only the first one was going to be processed. A couple of days after I receive a notification that my bank statement is XXXX instead of the XXXX that I requested. I called the bank to find out what happened, but they were not able to give me an answer. The manager who I spoke to mentioned that they were going to investigate and get back to me. She originally tried to dispute the transaction as fraud, but I explained to her that it was not fraud because I made both transactions, but I called after to cancel one of them to prevent the transaction from being processed. I did what I was supposed to do. Then, she mentioned that a letter was going to be sent to me with an answer within 10 days, but I recently noticed that she added the original balance of XXXX to my bank statement on top of the balance that was mistakenly sent before, meaning XXXX plus XXXX. I am not able to buy anything because I do not have any credit available. I explained to them that it is not my responsibility to deal with the consequences of this error because I did my part to make sure that this did not happen. I would like my bank statement to be as it is supposed to be. In addition, it is hurting my credit because it indicates that I utilized more credit than I actually did. To add, my credit went XXXX points down, and I am not able to pay my bills on time because I get rid of my other cards to be able to use this credit card only. Please advice.
Thank you.
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| 10/07/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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Barclays did not process my extension for COVID19/Coronavirus Relief when I spoke to them in XX/XX/2020.
On XX/XX/2020, I called Barclays to make a payment and request an extension to the COVID19/Coronavirus Relief which expired in XX/XX/2020. I explained that XXXX XXXX / workload halted when the pandemic hit, and we have not seen any type of increase since the pandemic began. Also, I told them we would struggle to make our payments for the next few months. I was advised by the Barclays representative that I would receive a three-month extension to the COVID19 Relief program ( forbearance ), through XX/XX/2020. The representative ensured me that she signed me up for three more deferred/skipped payment and my next payment would not be due until my XX/XX/2020 statement.
I did not receive any statements in the mail for the months of XXXX and XXXX. Also, I noticed a change on my credit report with my Barclays account showing as 30-days past due. Once they reset copies of my statements, I saw that Barclays had charged me late fees AND over the limit fees during the time that my account was supposed to be under Relief.
The Barclays website is still showing they are offering COVID19 Relief ( see attached ). I have called Barclays three times since the credit reporting change and they have made no effort to correct their error and uphold to their original promise of extending the Relief. The first time I called was on XX/XX/2020 ; I spoke to XXXX and was told to send in a dispute to the credit bureau. She did waive the late fees for XXXX and XXXX. I received a call from a Manager on XX/XX/2020 and when I explained the issue, she connected me to the collections department. I spoke to XXXX XXXX, he told me I could close the account, but offered no other options. I called back to discuss this matter and spoke to XXXX, she advised that I enter into a debt management program. (!!! ) They are now trying to force me to pay all three months at once, including overlimt fees and other penalty charges.
I have tried working with Barclays ; however, they have been unwilling to honor their original promise to extend the Relief and correct my account history and credit report.
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| 07/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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REFERENCE : Barclays Credit Card Case ID : XXXX In XXXX XXXX, I was sent a replacement blouse after contacting the merchant XXXX XXXX XXXX ) and returning the first blouse due to an incorrect size being sent to me. The second blouse was sent to me DEFECTIVE. The package was ripped open and the blouse was badly damaged inside the package. I again reached out to XXXX XXXX Customer Service on XX/XX/2021 and they supplied a return label and told me return the item for a full refund as the item was now sold out. I did this. I used their provided label and returned it via XXXX, tracking number XXXXXXXXXXX This information will all be shown on the screenshot from their website, which is attached. The package was RECEIVED by the merchant on XX/XX/2021. I have been waiting for a credit ever since. I made several calls to the merchant looking for my credit. What I was told every time was that they could not find the package to process the refund, so that was why it was pending. They would also tell me they were backed up processing returns. I filed a dispute with Barclays. The merchant then claimed to Barclays that this item was a final sale -- which is a bogus argument. First and foremost, they took the first blouse back as they had made an error and that is noted on the order page they sent to Barclays which I can also provide. Secondly, the replacement blouse does NOT say final sale, and the merchant provided the return label for me to return it. Lastly the blouse was DEFECTIVE. By sending me a DEFECTIVE blouse, they violated an implied warranty. Specifically, the implied warranty of merchantability and the implied warranty of fitness. Lastly, the merchant still has this blouse. They have never returned it to me. Barclays denied my case. I appealed it. I received a letter today stating that my appeal was denied because " Insufficient proof that the merchant has violated the invoice/contract terms and conditions ''. I have NO ITEM! Prior to returning with MERCHANTS PERMISSION AND LABEL AND PROMISE OF A REFUND I had been sent a badly damaged item which is NOT what I ordered. How is this not a violation of all Invoice contract terms and conditions? Please help me with this
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| 10/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Since XX/XX/XXXX and until XX/XX/XXXX, I had been involved in a debt management plan with XXXX XXXX XXXX for several credit cards. This program was completed successfully by me in XX/XX/XXXX.
My consumer report displays delinquent account data for only one creditor ( Barclays ) for a time period where I was involved with this plan. I had made all payments on-time as a direct draw from my account, and to my knowledge had not missed a disbursement to the credit counseling service. Further supporting this, is that none of my other creditors reported a delinquency of any kind, only Barclays.
I attempted to resolve this situation initially with the XXXX XXXX XXXX. The representative stated that she was unable to gain any additional information about how this could have happened, and sat on hold with Barclay several times for an answer to no avail. Further complicating this issue regarding records, XXXX XXXX XXXX was acquired by another company ( XXXX XXXX XXXX ) during this time.
I personally contacted Barclays to resolve the issue, and the representative was not able to assist and suggested I open a dispute with the credit bureaus. I did this as advised, and nothing positive resulted, just that they believed the information was correct and that was the end of it. No one will coordinate on my behalf to resolve this situation, and no one is willing to provide their proprietary information so that I can move forward with other repair actions.
I have no idea how this missed payment occurred, and only for one creditor, when I made all of my payments on-time. No one is able to provide me answers, yet I have 6 months of 30 day missed payments for Barclays, which has absolutely devastated my credit reports, and caused me severe financial harm.
This is my last attempt at recourse before I begin legal action with both companies. If it was a mistake on the part of either of these organizations, I require that these delinquent payments removed from my credit reports as quickly as possible to restore my financial well-being. However, if I was truly at fault, I would like to see evidence of it and how it occurred, as my payments were managed by a third party the entire time.
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| 10/07/2015 |
Yes |
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Web |
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Barclaycard must have initiated a change in their fee waiver policy/strategy that no longer treats customers fairly. They have firmed their stance that regardless of loyalty to brand, credit worthiness or payment history, they will not waive fees that are not a bank error. This stance is unfair and disparate treatment ; if I were stop paying my monthly payments and allow my account to fall delinquent, I would be rewarded by various payment programs that would reduce my interest, zero it out all together OR, waive fees. IF your stance is to only waive fees in the instance of a bank error, then this stance should spread across all lines of credit whether I am a customer for 10 years and never went late, or a customer who is 100 days late. To further exacerbate the change in policy, the customer service agents are ill equipped to deal with the push back customers who have faithfully honored their terms and agreement are more than entitled to give. In the past, instances of oversight or in my case, Tropical Storm XXXX taking out my power, our requests have been reviewed levelly against our payment history and previous fee reversals. On XXXX/XXXX/2015 I called to request a courtesy reversal of a fee that posted to my account at midnight on the date of my payment due date. I explained to the representative that I was unable to schedule my payment on the website or even by phone because I had no power. There were many news bulletins, warnings for my area and expressed power outages in my area. My payment was scheduled at XXXX the very next day when I saw that power was restored. My payment was technically XXXX hours late. Despite my explanation and the absence of previous fees, I was treated rudely, placed on extensive holds and ultimately hung up on by the agent. This behavior is unacceptable and unfair to customers who have no idea that a change in policy has been implemented. If this is the way Barclays intends to proceed they need representatives who can better communicate this to customers who deserve the benefit of the doubt ; especially when customers who do not honor their terms and agreement are given leeway that contradicts what I was told on XXXX XXXX, 2015.
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| 04/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Good day XXXX XXXX XXXX XXXX : I wish to file a complaint against Barclays Bank Delaware, issuer of XXXX XXXX for damaging my credit by their own admitted error, then refusing to fix it.
On XX/XX/XXXX, XXXX XXXX XXXX charged my XXXX credit card in the amount of {$99.00} for its annual membership fee. Had that charge remained active, it would have been due in XX/XX/XXXX.
On XX/XX/XXXX ( before the payment was due ) I called XXXX and they agreed to remove the annual fee charge and close the credit card account. I was assured by the Barclays phone rep that the account had XXXX balance and that it was safe to close.
Several weeks later ( late XX/XX/XXXX XXXX, I happened to check the Barclays app, and I noticed that the card still showed a {$99.00} balance. Concerned, I called XXXX and asked why a charge was showing. They assured me that the app was wrong and that the account had XXXX balance.
Fast forward to XX/XX/XXXX. I financed a car and was informed by the auto loan company that I did not qualify for low interest rates because my credit score was XXXX. I was shocked as my score has been between XXXX for years ; I have never ever missed a credit card payment. I check XXXX and lo and behold, my score dropped by XXXX points on XX/XX/XXXX due to Barclays inaccurately reporting a missed payment of {$99.00}.
I have called Barclays an additional two times since then to get this resolved and each time I was assured that the late payment report XXXX XXXX XXXX XXXX XXXX XXXX XXXX was their error due to a system glitch and that they would get it resolved as soon as possible. However, as of today they have not even removed the {$99.00} showing due on my account! I will also be sending Barclays a certified mail letter on Monday.
This error of Barclays has cost me both money every month for car loan interest, and also makes it difficult for me to rent an apartment until this is fixed.
To summarize, I wish to file a complaint against Barclays Bank Delaware for damaging my credit score due to their system glitch then refusing to fix the error after being contacted three times about it ( I will also continue to contact them and follow up on this ).
Thank you.
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| 04/25/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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On XXXX XXXX XXXX , my friend and I were passengers on XXXX flight # XXXX . This flight was from XXXX XXXX to XXXX and was booked through XXXX . We purchased XXXX seats and once on the airplane, we inquired as to availability and the cost of upgrading to Business se ats. The flight attendant told us there was available seating and the cost would be XXXX . We verified the price again, and the broken English speaking flight attendant assured us the cost was XXXX Dollars. We gave our credit cards and moved into the upgraded seats. Several hours later, after meal service, the lights were dimmed for resting passengers. At this time the flight attendant presented the credit card slip for me to sign. The receipt was for {$300.00}, which appeared to be for both myself and my friend who was sleeping. I asked about my friends credit card and the attendant, who spoke terrible XXXX , indicated she would return with it later. While I was away from my seat, my friend awoke and was presented with her credit card and slip for signature. She also thought the {$300.00} was for both of us. When I returned to the seat, we discussed that we had both been charged for XXXX upgrades and asked the flight attendant for an explanation. A different flight attendant came to us and explained that there was a miscommunication and the charge was not {$150.00}, but {$1500.00}! We were very upset as the original attendant stated the charge was XXXX XXXX , never did she say anything remotely resembling XXXX XXXX or XXXX XXXX , XXXX XXXX . After much back and forth discussion with the flight attendants, we were assured it was their error and we would not be charged. Several weeks later, both my credit card bill my friends arrived, each with a charge of {$1400.00} for the upgrade. This flight was booked on a domestic airline, leaving from a US l ocation. All flight attendants should have full command of the English language and be capable of properly explaining to passengers all policies, procedures and pricing. Additionally, all charges shou ld be in US Dollars unless clearly explained. To expect otherwise would be unethical and unsafe.
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| 09/27/2016 |
Yes |
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Web |
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I signed up for the credit card offered through the website XXXX when I was looking for airfares and was approved. Sadly though my experience with the credit card has been awful. Trying to pay my credit card statement was awful. I have been using XXXX and XXXX XXXX cards for years and have never had a single issue with payments or connecting with banks for online payments. When I attempted to connect the bank account I would be using for payments the master card website showed the wellsfargo account as an option for payments. It appeared that I was able to connected XXXX XXXX checking account with the XXXX XXXX card online before a payment was due, I was never informed there was an issue, in fact once I attempted to make a payment online ( several days before a payment was due ) XXXX XXXX Card sent me an email to notify me that a payment was pending, then within a few days on XXXX XXXX 2016 I received another email from XXXX Card informing me that payment was received and applied to my credit card. Seemed like everything was ok until today I go online to look at my statement from XXXX XXXX Card and it says " Your payment is past due '' and they have charged me over {$64.00} in interest. I then contacted XXXXCard and they informed me that they contacted the bank XXXX and they could not find the account. But XXXX Card made no attempt to inform me of this and I later contacted XXXX XXXX and their records show no contact from XXXX. I have been using credit card for years and have never had an issue like this and I have a good credit score, I pay my bills, I pay my bills on time. I do n't want my credit score to be affected by their indecent managment and inability to communicate with their clients effectively. And I also do n't want to pay the interest as I do n't think the interest was incurred by fault of myself. I feel like they are trying to take advantage of busy people by making a simple process complicated and they offered little to no help when I called XXXX Card, instead they blamed me that I provided the wrong information. I am sorry to say that once my balance is paid I will be canceling this card and most likely will never apply for a XXXX Card again.
|
| 10/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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My deceased ex wife had a Barclays card. Before her death, I was none the wiser. At the time of her death, the card appears on my credit report. I have pleaded with all 3 credit bureaus, Barclays, etc for 3 years to have this removed. No such luck.
My credit went from above XXXX, to sub XXXX because of this. The banks treat me like a 3rd class citizen. For the record : I do not have a credit card, a loan other than my mortgage, or any other loans. Nobody will move on this case. I have tried everything.
Recent Letter to Barclays : FCRA Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Please Refer to Account : ( last four ) # Case # Barclays : ( XXXX ) XXXX Att : My name : Deceased Ex Wife : My credit report shows I am wrongfully on a Barclays credit card. Prior and after my divorce, my credit score was above XXXX. After the death of XXXX XXXX XXXX, my credit score sunk to sub XXXX. This is not my card. It belongs to a deceased ex-wife. For the record, not my card.
I have been working on being removed for three years. I have had multiple promises from Barclays that I would be removed, none of my requests have been granted. For sure this is still on XXXX.
My credit has been ruined from your card on my credit report. I have wasted hours, days, months, and now years arguing with person after person with Barclays. All to no avail. The Pain, suffering, and emotions distress that Barclays has caused me can not be described.
I am requesting and demanding the removal of this card from my credit report.
The 3 major credit bureaus have been contacted, and I have time after time been sent to Barclays.
1 : it was not on my credit score until the death of my ex-wife.
2 : It was not on my score when she was still living.
- While we were married, divorced, or she was alive, I was not on this card. After her death, I am not responsible?
3 : I have never been sent a statement for this card. If I am on a card, or the card has a balance, how can I know without a bill or statement?
Barclays did not seem interested in my credit report or the card being assigned to me until the time of her death.
CC : FTC, the OCC, and the CFPB Sincerely,
|
| 02/27/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
My complaint is regarding a recent dispute with my XXXX credit card with Barclay 's bank account ending XXXX the case number they provided me is XXXX purchase dated XX/XX/XXXX merchant XXXX XXXX dispute amount {$190.00} my complaint first off is i ain't Happy with how my dispute was handled the card company is going in the favor of the merchant because of them providing a tracking number that the item was recived how ever i never said the item was not received my disputed was for a different reason the item was damaged and was not new has described and i noted too the dispute represented on the phone that i did try too reach out too the seller and the seller was not responding back i understand the seller can contested this dispute how ever when this XXXX tv was purchased from this seller on XXXX over the internet i never saw the merchandise intill it was delivered this seller has had many complaints from other customers of not receiveing merchandise or them sending items that are not working and not has described maybe XXXX or XXXX let fraudsters on there site but my credit card company is supposed to be there to protect my account information and when a purchase is made using my card online and if a seller is trying too committed possible fraud or not following through with services that are promise they need to take that serious the reason why i was not able too return item is the seller choosing too not respond too my messages and the thirty days too return the item of what was stated in there ad on XXXX can't be done now all returns have too go threw XXXX and with the merchant not working with me in the first place and XXXX won't let the item be returned and me serious suspect potential fraud by the merchant and concerned whether my account information is truly protected against potential fraud when making purchases over the web or when a merchant on a site like XXXX or XXXX is there ripping people off i note this purchase was made on eBay but my credit card was process by XXXX but Barclay 's bank needs too handled this dispute seriously with it being made online and seriously listen too customers and this dispute needs too be resolved the right way
|
| 05/07/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
I previously opened Barclay Card Gold Luxury Card and XXXX XXXX credit card products during XXXX XXXX XXXX As part of the beginning of my banking relationship with Barclay Card , I chose to apply for servicemember benefits being offered. At the time, I was appreciative that Barclay Card was providing myself and other XXXX XXXX servicemembers with benefits that exceeded what the Servicemembers Civil Relief Act requires. These benefits included, among other things, transaction and annual fee waivers and 0 % interest fees. When Barclay Card approved their benefits, they made it very clear through a letter mailed to my address that the benefits outlined would be afforded to me throughout the duration of my XXXX XXXX service. There was no such language in this correspondence that indicated that the benefits being extended would be rescinded at any time prior to my separation from the military. In XXXX of XXXX , Barclay Card delivered a letter to my residence stating that an annual fee waiver would no longer be extended to me, despite previous written correspondence to the contrary which indicated that an annual fee waiver would be provided for the duration of my time on XXXX XXXX . While I understand that Barclay Card i s stating that I am not covered under the XXXX since I opened the card after entering XXXX XXXX , I disagree with that premise for the change in terms. Barclay Card offered the servicemember benefits in excess of what the XXXX required and to members who had already been on XXXX XXXX service previously as a matter of company policy and not as a result of being compelled to do so under the XXXX . While I understand that company policies change according to the prerogative of the company, Barclay Card should have considered the verbiage of correspondence to customers prior to the policy change in determining how it would proceed with customers covered under prior policy. It seems that the termination of benefits offered to servicemembers under the previous company policy is in bad faith after review of the correspondence from Barclay Card and the associated policies, both past and present.
|
| 10/11/2016 |
Yes |
|
|
|
Web |
|
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On XXXX/XXXX/16, applied for a credit line increase on my mastercard account with Barclay USA. I received a denial letter dated XXXX/XXXX/16, this denial letter reflected an incorrect credit score, incorrect denial reasons, and was outdated back to XXXX/XXXX/16 ( over XXXX wks ). Barclay claimed they received this credit information from XXXX. On XXXX/XXXX/16, I got my annual free XXXX credit report, report reflected the opposite of what Barclay USA Mastercard Services claimed. On XXXX/XXXX/16, I contacted XXXX, rep " XXXX '', verified no negative information on my credit report and gave a XXXX point increased different credit score than what was reflected in Barclay 's USA letter dated XXXX/XXXX/16 to me. On XXXX/XXXX/16, I then contacted Barclay USA, rep " XXXX '', questioning the incorrections & not current credit information & score. I additionally asked why my statement which was due on XXXX/XXXX/16 was still not processed nor was there interest fees correctly updated & reflected. " XXXX '' asked to " hold on '' so she could get her service manager on the phone, " XXXX '' then transferred me instead to XXXX, rep " XXXX '', who also again reflected that Barclay USA written claim denial of credit information & score was inaccurate. I then asked XXXX rep XXXX for written XXXX credit report be sent to me due to Barclay 's credit increase denial for written verification directly from them, in addition to my free annual credit report obtained online on XXXX/XXXX/16. My complaint : Barclay USA Mastercard Services Company appears to be in violation of the " Fair Credit Reporting Act '' & using " Deceptive Credit Consumer Tactics '' with utilizing " outdated '' consumer credit information & inaccurate credit scores in their business letters, and additionally deceptively trying to pass the " blame '' on to XXXX Credit Bureau in the process. Please additionally note, that in XXXX 2016, my original Barclay Mastercard, a CHIP card, was breached, ID theft and fraudulent charges occurred. My local police department report was made and Barclay reissued me a " new chip '' card/mastercard. It appears there is some deceptive business practices ensuing with this business.
|
| 01/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
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Fraud was committed on our Barclay cards starting XX/XX/XXXX. Our account was put on a high alert/risk status. My card physically failed to work on XX/XX/XXXX. I called Barclay to query. I was told two things. First potentially fraudulent transactions have been occurring, and the card failed to work because of a faulty chip. These two things are obviously unrelated.
Regarding the fraudulent transactions, it was ascertained, after numerous phone calls, that a hacker had changed our account such that all control and information would go to him/her. When a suspect transaction occurred, apparently the hacker was able to respond by stating " yes that is a valid transaction ''.
Regarding the faulty chip, two new cards were to be shipped overnight. We were told to activate the cards, and recreate our account online. The cards did not arrive. Further phone calls to Barclay divulged these cards must have been sent to the hacker not to us. Further fraudulent charges were being put on this account.
We were able to reinstate contact information, via a phone call with Barclay, and once again new cards would be sent to us overnight such that we could activate and reinstate our account. One of the two cards arrived the next day.
We have spoken to at least seven agents for approximately six hours. We still receive calls from Barclay stating suspected fraud is occurring. Many of these calls are received while on the phone with Barclay agents.
We have lost all confidence in Barclaycard. That they are incapable of freezing an account until obtaining valid account information and reissue cards, escapes all logic.
To date approximately {$40000.00} of fraudulent activity has occurred on this account. Some has been denied.
After numerous conversations, two separate case numbers, and at least three different statements of " elevated fraud status '', this problem remains unresolved. We look for acceptable resolution and close the account.
My wife and I have been with Barclay since XXXX. That a hacking and fraud has been committed is unfortunate. That Barclaycard is thus far incapable of stopping the problem is disturbing.
XXXX XXXX XXXX XXXX XXXX.
XXXX, CA XXXX
|
| 07/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
At the beginning of XX/XX/2022, I lost my wallet and immediately locked all credit and debit cards before ordering replacement ones. On XX/XX/2022, I received my replacement Barclays XXXX XXXX. I activated the card and unlocked it.
Immediately after doing this, XXXX transactions that I did not recognize or authorize appeared on my balance. The vendors were XXXX XXXX XXXX for {$14.00}, XXXX # XXXX for {$4.00}, and XXXX XXXX XXXX for {$210.00}. I called Barclays immediately to report fraud and they sent another replacement card. On XX/XX/XXXX, I received a letter from Barclays stating that they found the charges valid due to " chip card technology was used, which can not be counterfeited. '' After calling their fraud department to once again report that I did not make these purchases, they requested that I file a police report to share with them. I have attached a copy of the transactions from my balance, as well as the police report I shared with them.
I also placed a fraud report on my credit report and submitted a claim with XXXX to ensure Barclays I did not make these purchases, and have attached copies of those as well.
After receiving these documents on XX/XX/XXXX, Barclays started another fraud investigation. I have now been sent no updates and have now called twice to inquire as to any findings. Both times, the person I spoke to said there have been no updates and when I asked what's been done in terms of investigating, they gave no clear answer. So, I do not believe they are actually investigating the fraudulent purchases. Due to how long it's been, I've had to pay the minimum pay due amount in order for there not to be an impact on my credit score. These purchases have also accrued interest that I will be responsible for.
I don't feel that Barclays has taken this issue seriously, and is hoping to leave the " investigation '' open until I end up paying off these charges or leave them to harm my credit score. I'm especially irritated as these charges came simultaneously immediately after I activated my new card. I'm not sure how this even happens as I had just received the new card so the number shouldn't have been available for anyone to use.
|
| 12/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX, I sent a letter by certified mail to Barclays Bank Delaware regarding an account on my credit reports from XXXX, XXXX, and XXXX, claiming that I owed Barclays money on an account that has been closed and written off since XX/XX/XXXX. I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I have proof of delivery of my letter to Barclays on XX/XX/XXXX at XXXX. Barclays is required by law to respond to my dispute within 30 days of receipt. On XX/XX/XXXX, 31 days from the day Barclays received my letter, I had not received a response from them. On XX/XX/XXXX, I sent another letter by certified mail to Barclays, giving them another goodwill attempt to respond to my dispute regarding the claim on my credit reports that I owed them money. I have proof of delivery of my 2nd letter to Barclays on XX/XX/XXXX at XXXX. As of XX/XX/XXXX, which is 31 days from the day Barclays received my letter, I still did not receive a response from them. This is two times that I have contacted Barclays and they have failed to provide me with any proof or validation that the debt they claim I owe is valid. There has been no data reported to any of the three main credit agencies from Barclays regarding this account they claim I owe money on since XXXX, XXXX. Since I have sent them two letters of dispute, Barclays has now reported to all three credit agencies on XX/XX/XXXX that I am 30 Days Past Due Payment. This has made my credit score drop at least 8 points. Not only have they not been reporting any data for 2 and a half years, but they also did not reply to either of my disputes, nor did they send me a bill in the mail. Barclays has my current address because it was listed on both letters I sent. Along with reporting that I am 30 Days Past Due Payment, there is also a comment on both XX/XX/XXXX and XX/XX/XXXXcredit reports from Barclays that Completed investigation of FCRA dispute consumer disagrees. The disputes can not be complete when Barclays never replied to them. This company never furnished any proof or validation that I owe this debt they claim I owe.
|
| 05/11/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
My name is XXXX XXXX and I am writing a complaint about Barclays XXXX Rewards Card ending in XXXX.
OnXX/XX/XXXX I set up a repeat payment with Barclays Card for the amount of {$200.00} 3 days prior to the payment due date. ( Please attachment ) On XX/XX/XXXX I noticed the the payment had not been deducted from my account. I called and spoke with XXXX. He informed me that it would take 30 or more days for the repeat payment system to process and start. I asked him to take the money out so that I am not delinquent. He processed a {$200.00} payment on that day which was deducted from my bank account on XX/XX/XXXX. He also returned the late fee. ( See attachment ) On XX/XX/XXXXI noticed that {$440.00} was deducted from bank account for Barclay Cards. I called and spoke to XXXX who saw that the payment was set up for {$200.00} but could not explain why it deducted more. Then put me on hold and told me that they minimum payment was increased because the {$200.00} payment on XXXX XXXX was not calculated. I asked to speak with a supervisor and got XXXX. She said that I selected minimum payment due instead of other amount, therefore, it deducted the what was due because the {$200.00} was not calculated. I told her that I have the print out that shows that I set up for other amount and specified only {$200.00}. XXXX arrogantly tells me that the company can take out the amount they chose if there is a balance. I explained that I only gave them permission to remove {$200.00} and feel that anything above that is not agreed upon and therefore, should not be at their discretion since it is my bank account and my money. Also, the {$200.00} paid on XX/XX/XXXX was paid and late fee was removed in enough time to be deducted from the balance due but if it didn't deduct it, I only gave permission to remove {$200.00} from my account. XXXX continued to argue the point that they have a right, therefore, I hung up.
I feel that the website fraudulently leads customers into thinking they are on a secure website and that the agreement made with the company is valid. However, they are now using my electronic permissions for a specific amount to freely decide what to deduct.
|
| 09/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
I opened an account with Barclays in XXXX. I have ALWAYS paid my bill on time using autopay, never been late, and paid more than the minimum balance of $ XXXX & periodically paid down the balance significantly. In XXXX, I paid off my acct in full. Then they sucked me back in by offering 3.99 % on purchases until XX/XX/XXXX. I was a sucker and took advantage of it & started using it in XXXX. I then set my acct up for autopay again to pay the minimum due. However, in XXXX, Barclays took my full amount due. I contacted them & stated that was not what I selected & their system mistake. The rep said she couldn't do anything about it although they had not taken the payment from my bank acct yet & that it would take up to 3 months to resolve. I said the whole point of contacting them was bc I could not afford to pay off the full balance at that time & needed my money. The rep said I needed to go through my bank so I did. My bank refunded the money to me & then Barclays refunded the money stating that I did not agree. I contacted them & stated I was not trying not to pay & immediately returned the payment it credited to me. Next thing, I get a notice a few days ago that my acct is late. I contact them & stated I had autopay on my acct but apparently they removed autopay when there is an issue. I contacted them XXXX bc I don't pay my bills late EVER! So I paid them almost {$1000.00} so that I am at 60 % of my credit limit of {$3200.00}. They XXXX me & REDUCE my credit limit to {$2200.00} when all I had to pay them was below {$50.00} minimum payment. THIS IS WRONG AND UNETHICAL! They are trying to ruin my credit profile with the credit agencies and limit my credit! Why? They got their money! I have been a card holder for 9 YEARS. Credit card companies should not be able to do this. If I had only paid {$50.00}, I'd have {$3200.00} credit limit. I told them I was going to report them and they committed revenge on my credit! While writing this I received a message from Barclays after an earlier message to them calling them out, and they have now reduced my limit to {$1700.00}. so now I have an outstanding balance over the limit which I have never had. SO UNETHICAL!
|
| 04/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
I purchased airfare ticket for {$360.00} on Sunday, XX/XX/2020, XXXX XXXX ( Email Receipt attached EXHIBIT A ) with my frontier Credit Card however on Monday, XX/XX/2020, XXXX XXXX CDT Frontier Airline sent an email informing that the flight has been disrupted and a portion of your itinerary need to be rebooked ( Email attached EXHIBIT B ), due to frontier airline disruption all my other plans like hotel booking and car booking was also disrupted and i ended up loosing all my reservations whose booking were non refundable.
I called Frontier airline same day for the number that was provided on email and waited 5 hours before i was connected to a agent, after talking to the agent and then escalating the call to her supervision frontier airlines denied refunding the funds back to my credited card and instead gibing me travel credit for 6 months which i explained that the trip was planned for my family who was visiting from XXXX for XXXX so i cant use that travel credit since Frontier airline disturbed the flight this was also a violation DOT ( Dept of of Transportation ) regulations issued recently for airlines to strictly follow for full refunds on the disrupted flights.
I gave them all the references but the call centered was located in XXXX and they kept saying that they dint have any updated regulations from there management and they are bound to follow there airline rules for which i said DOT supersedes airlines rules as they are regulators in USA but they keep arguing and didn't listen or act on any proof that i provided from DOT and kept blaming that its a part of flight that is disrupted and we can rebook it and never were able to understand the real issue that my family is gone back to XXXX now and we cant use it any way.
After a long 2 hour conversation they rudely disconnected the call, i called again and waited 3 hours and they had the same argument again and wouldn't even listen or follow DOT guidelines and kept twisting and rebooking my airfare in the form of travel credit and saying i cant get it refunded caz i already took travel credit which was false statement as they made me do every thing and then trap me so i cant get a refund
|
| 01/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
On XX/XX/XXXX I contacted Barclays AAdvantage Credit Card Service Department to formally dispute a purchase of XXXX XXXX XXXX from XXXX XXXX XXXX located in XXXXXXXX XXXX. The puppies were sick and unable to control urinating and defecating, so I returned the two puppies to the store on that day.
On XX/XX/XXXX I faxed a detailed letter to Barclays AAdvantage Credit Card Dispute Department outlining the reasons for returning the puppies to the store and that I asked for a full refund for the purchase price of the puppies {$3200.00}.
OnXX/XX/XXXX Barclays AAdvantage Dispute Department contacted me stating that the charges would be reapplied to my card and that I will receive a letter requesting additional information as to why I am requesting to dispute the charges that would allow me to continue to dispute the charges. I NEVER RECEIVED ANY LETTER FROM BARCLAYS AADVANTAGE DISPUTE DEPARTMENT.
XX/XX/XXXX I contacted Barclays AAdvantage Dispute department informing them that I have not received any letter from them. Barclay AAdvantage Dispute Department stated that the letter could take between 7 to 10 business days and that I should give it more time to arrive.
XX/XX/XXXX I contacted Barclays AAdvantage Dispute Department letting them know that I have still not received the letter from them so that I can properly respond to their questions for disputing the charges. Barclays Advantage Dispute Department said they would resend me the letter via email and to expect it within 2 business days.
XX/XX/XXXX I had not received am email from Barclays AADvantage Dispute Department so I called them again asking for someone to send me the information. During that call with Barclays AAdvantage Dispute Department the call was some how disconnect and the wait time to reconnect was over an hour.
XX/XX/XXXX I have still not received any letter from Barclays AAdvantage Dispute Department so I called again and again I was told that they would send me the letter via the mail and that they can not send this information via email.
The problem is that my credit card bill is due XX/XX/XXXX and I have not been given the letter so that I can respond to the disputed charges.
|
| 08/23/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
First let me say I am VERY worried that this is going to happen to other customers. Uber has recently cancelled this credit card all together for new applicants and has changed a huge array of benefits and % 's related to it. They are clearly changing their customer service to be able to better avoid accountability for fraud and this is extremely concerning.
1. I got an email saying that about {$300.00} in credits ( formerly cash back ) from my rewards points earned was applied to my Uber Account.
2. At the same time, there were 2 unknown charges on Uber that were not me 3. I cancelled the card as I realized that someone was committing fraud.
4. I asked Barclays for help. They put in a support ticket.
5. I followed up to ask for an update - they told me that I should contact Uber instead of them. I asked why they put in a support ticket if they can't solve it and they apologized and said they can't help me.
6. The number they gave me to call Uber had a voice message that said that their phone number is shut down and to email XXXX 7. I e-mailed XXXX and got a response that the email is shut down 8. I looked all across the web for more and more numbers for Uber. All had the same message or were not active.
9. I finally was able to get in contact with Uber, where we went back and forth on e-mail as they ignored my messages and responded with non-sense that was not helpful.
10. Finally, they got back to me and told me that the uber credits were redeemed n another Uber account that shares my payment method, gave me the first name of the account ( a random person I do not know ), and recommended that I work directly with this random person to resolve my issue ... ... .. I laughed out loud at the absurdity. They want me to deal with this fraud on my own?
11. I told them that this is unacceptable and that I needed a better answer or I would report them to the CFPB.
12. They cancelled the request so my email did not get through. I do not even remember how I finally got in contact with them since it was so hard, so I am now reporting this it to CFPB I have since tried to go back to Barclays for a 5th? 6th? time.. no results. Thanks for your help.
|
| 10/04/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
In XXXX I OVER-PAID my Old Navy Credit Card account my {$58.00}. I contacted the company asking to receive a refund for the overpayment. They helped me and mailed me XXXX separate checks of {$29.00} each that I received in the next few weeks.
So in XXXX my balance was XXXX dollars. Then the company refunded me {$58.00}.
The next time I checked my account balance it stated that I OWED {$58.00}.
I contacted the company immediately to point out the issue. I explained the situation and they immediately acknowledged that it was a mistake on their part. They assured me it would be resolved and my balance would be cleared to zero as it should be. They told me it would take a billing cycle to resolve.
When I checked back in XXXX to confirm my balance was at XXXX, not only was it NOT at XXXX, they had charged me a LATE FEE. So now, they were saying I owed {$89.00}. I've contacted the company over XXXX times since then, waiting on hold each time. I've asked to speak to a supervisor numerous times and no one can ever put in me in touch with XXXX.
Again I reached out in early XXXX. I finally got in touch with a supervisor who assured me this issue would be handled. And that again, I would have to wait to see the resolution on my account for a few weeks.
It is now XX/XX/XXXX, my bill is due TOMORROW and I have again been charged fees and now owe a total of {$140.00}, ALL DUE TO A MISTAKE ON THEIR PART. I spent XXXX minutes on the phone today trying to resolve the issue again.
Quite frankly, this is unexceptable and I want this issue resolved. I spoke with a woman named XXXX # XXXX who assured me that I supervisor would call me back, because after XXXX minutes no one was responding to her.
The company recently switched over to Barclays for their credit card and since then, it has been an absolute nightmare. I feel horrible for the decent people who are just trying to do their job, but no one seems to have the authority to resolve this issue. And those who have said they are supervisors have not resolved this issue like they assured me they would.
Now I am concerned that because of the late fees, this will be reported negatively on my credit.
|
| 06/29/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
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Fraudulent XXXX charges from XX/XX/XXXX, XX/XX/XXXXay 1 and May 2, 2021 appeared on my Jet Blue Mastercard. On XX/XX/XXXX when I first saw the pending charges from XX/XX/XXXX and XX/XX/XXXX, I called Mastercard and advised them not to authorize the payments. While the XX/XX/XXXX charges were not authorized, the XX/XX/XXXX ones were approved. On my XX/XX/XXXX statement there were other fraudulent Uber charges. In all, they amounted to over {$130.00}. I have called Mastercard several times. They have twice removed the charges and then placed them back on my account.
When I received my most recent bill,, there were still {$120.00} in unauthorized, fraudulent Uber charges that were never made by me or my son who is an authorized user. What is most disturbing is that the Fraud Investigations agent who I contacted by phone on XX/XX/XXXX, by the name of XXXX, told me that her notes indicate that all Uber charges on my account, totaling over {$130.00} were not valid according to the notes from my previous 5 calls, and she couldn't explain why they were first taken off and then put back on my most recent statement. When I asked for a supervisor, she said none was available and it would take several days to contact one to reach out to me.
I told Mastercard on several occasions the source of the fraudulent Uber charges. My son made a purchase from XXXX XXXX on XX/XX/XXXX for his XXXX XXXX XXXX graduation. He received a letter dated XX/XX/XXXX from XXXX stating that many students who purchased from XXXX XXXX had fraudulent charges on their credit cards. XXXX XXXX was hacked and also contacted my son to acknowledge this. Despite having this information that I provided both verbally and in writing to Jet Blue Mastercard, {$120.00} of fraudulent charges appear on my latest statement dated XX/XX/XXXX. I have no confidence in Mastercard 's ability to resolve this matter. I also mailed to Mastercard a copy of XXXX 's letter proving the fraud. Neither I nor my son made any Uber charges ever on my Jet Blue Mastercard. All should be permanently removed from my account and I should be reimbursed for at least one that I mistakenly paid with my XX/XX/XXXX statement.
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| 12/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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I have had an account with Barclays XXXX XXXX XXXX Mastercard since XX/XX/XXXX. This year I moved and tried to update all of my accounts, but there have been many issues with the post office and delayed mail. My card was to expire in XX/XX/XXXX and I waited to receive a new one in the mail. On XX/XX/XXXX I received a notification from my credit monitoring report that my account had been closed without notice.
I called the Mastercard number at XXXXXXXX XXXX on XX/XX/XXXX and asked the representative to reinstate the account because it was a mistake and I was waiting on the new card to use it. She told me that she would open a case and have an account manager review it and get back to me within 7 business days. I confirmed my email, address, and phone number with her so they could get back to me immediately. She told me I did not need a case number and someone would be in contact with me again soon.
On XX/XX/XXXX at XXXXXXXX XXXX. I called the line again because I had not heard back on my case. The representative tole me that there was no case and that they would not reinstate the account. I asked to speak to a manager who told me the account notes showed that I had called but the representative failed to open a case on my behalf. She refused to reinstate the account despite the company not providing any notice to me that they would close the account. The account supervisor 's name was XXXX ( operator ID XXXX ) but she refused to give me the name and ID of the representative who helped me earlier or the week before. Despite engaging in unfair and deceptive acts to offer to help me reinstate the account or even look into it and then never taking the promised actions.
I still have not received any notification on their behalf to close the account or the replacement card that should have come when my last one expired, despite having the app on my phone with push notifications enabled, an active email address with electronic notifications enabled, and regularly check my mail. I currently have XXXX rewards points on the account that the company refuses to honor and they failed to provide adequate notification of their intent to close my account.
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| 07/13/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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A {$29.00} late fee has accumulated to nearly a {$200.00} in extra fees on a 18 month- DEFERRED INTEREST XXXX XXXX credit card loan. The additional fees make no sense. But they do smack of the insidious and greedy pattern that banks have practiced forever. Some 20 years ago, California and indeed nationally, most banks got busted for this kind of activity. And halted it when the law came down on their heads.
Barclaycard is trying to initiate the same sort of semi-legal, sneaky and wholly unethical practice yet again.
Here are the details : I purchased a computer at XXXX with a Barclaycard XXXX XXXX credit card which had ZERO interest for 18 months in XXXX XXXX. The 18 months interest free period will be up on XX/XX/XXXX. I called today ( XX/XX/XXXX ) today to pay off the credit card loan. The amount Barclay Card claims I owe is {$190.00} more than I owe.
I signed up for the card in XX/XX/XXXX. I purchased a computer, which didn't have the specs I wanted and was returned. I purchased another computer in XX/XX/XXXX.
I borrowed {$2000.00}. I paid the minimum amount toward that purchase, which was {$27.00} per month, later it was increased to {$29.00} per month. I set up an automatic payment soon after I got the card. Total amount I paid was {$530.00}.
I should owe {$1500.00}. Barclaycard Manager, XXXX ID # XXXX claims that I owe {$1800.00}. That's {$190.00} more in extra fees. The Barclaycard Rep said that there was a late fee in XX/XX/XXXX for {$29.00}, on the first auto payment. They were authorized to charge my Chase Bank Visa card. I didn't send in payment. It makes no sense that there would be a late fee, period.
Barclaycard Manager XXXX claims that the {$29.00} late fee has accumulated interest of 13 % totally {$6.00}. It makes no sense how those fees added up to {$190.00} in extra fees.
I've called Barclaycard customer service many, many times. I remember I called several times because the amount that the auto recording claimed I owed, was more than the amount I owed. I spoke to a customer service rep who looked into it and told me that the amount the auto recording claimed I owed was wrong. He said not to worry about it.
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| 08/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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XX/XX/2022 a fraudulent charge transaction took place at a travel agency XXXX. I called my Jet blue card Barclays Bank that day and was told I had to start a fraudulent transaction on my account. On XX/XX/XXXX I received a letter stating my account was closed pending investigation. On XX/XX/XXXX I received a letter the merchant had proof I did the transaction.I said I wanted it reinvestigated and was told to fax a request with all the reasons why. I asked to see proof of this transaction and was told I would receive it by XX/XX/XXXX. Never received anything. Received a letter on XX/XX/XXXX account was closed and I would not be held responsible until investigation was complete within two complete cycles from the date the suspicious activity was reported.
On XX/XX/XXXX th I called the phone number for the fraud department asking to please give me some answers and proof of this transaction. I was told I would get the proof within 10 days. He also asked if I had proof it was not me. I asked to speak to a Manager and was told I would receive a call within a week. That never happened.
No one ever told me I had to prove it wasnt mine and still never got proof of the transaction.
I took it upon myself to call the XXXX XXXX agency and found out the trip was to the XXXX hotel in XXXX XXXX for the dates of XX/XX/XXXX to XX/XX/XXXX.
I was in XXXX from XX/XX/XXXX to XX/XX/XXXX all on my Jet Blue card how can I be in two places at the same time. I sent copies of my charge card statement, copy of my passport showing dates and asked what the hotel had for picture ID. Again I asked for proof with fourteen pages I faxed asking for them again to investigate and at that point one of the representatives I spoke to told me to place a dispute on the charge which I was told I should have done in the beginning. I did what the first Representative I spoke to told me to do.
I called another number in the dispute number and am now awaiting again for proof as they look at this again. As of XXXX I was told I am responsible again as the dispute can not be put on after the fraud department gets the claim. Few days shy of 5 months and still no proof of this transaction.
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| 03/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Add-on products and services
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Web |
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I applied for the XXXX XXXX Plus Credit Card with a {$99.00} annual fee from Barclays on XX/XX/XXXX primarily to use its trip delay insurance benefit that was advertised on its website. As advised in advance of purchase by a Barclayscard XXXX XXXX Plus Card agent, I booked XXXX XXXX airfare tickets on another card on XX/XX/XXXX, received the XXXX XXXX Plus card on XX/XX/XXXX and immediately had the airline tickets transferred to my XXXX XXXX Plus card on XX/XX/XXXX so that I would have trip delay insurance for the trip as provided by the XXXX XXXX Plus card. I paid the {$99.00} annual fee included on my XX/XX/XXXX statement.
On XX/XX/XXXX, I received an email notifying me that the trip delay insurance benefits had been terminated retroactively as of XX/XX/XXXX.
In XX/XX/XXXX, we used the XXXX XXXX tickets purchased on XX/XX/XXXX. Our flight was cancelled, and our trip was delayed by two days. Due to Barclays false advertising of trip delay insurance and retroactive notification of termination of the insurance, we had no trip delay insurance to cover our expenses.
I spent several hours on the phone with Barclays XXXX XXXX Plus Card Customer Service regarding this issue getting nowhere. I understand that the underlying benefit might have been provided by Mastercard, however it was still Barclay 's obligation not to false advertise on its website and to provide notification of the termination of the insurance benefit prior to the insurance being cancelled.
I am seeking a refund of the {$99.00} annual fee since I got the card and paid the {$99.00} because of the falsely advertised trip delay insurance benefit. I am also seeking compensation for the two day delay of the XXXX XXXX trip that had ultimately had no trip delay insurance, leaving us without coverage of insured hotel and incidental expenses. There was no indication on the website on XX/XX/XXXX that the benefit would be expiring within a few days. I only learned of this 20 days after the fact, after my XXXX XXXX ticket was already purchased. I believe that in addition to the false advertising, it is not legal to terminate insurance benefits without prior notification.
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| 07/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I was charged {$3100.00} by a merchant called XXXX in XXXX XXXX XXXX XXXX ago on XX/XX/XXXX. This was a fraudulent transaction, and was one of many charges on multiple cards that i have disputed with multiple companies over the last year. All have been resolved except this one.
I spoke to Barclays the very next day and explained it was fraudulent and the only thing I purchased from this merchant were a couple beers ( total should have been approximately {$8.00} ). I have since filed at least 4 separate claims with Barclays, and have spent at least 30 hours on the phone with Fraud Investigators, and other Customer Support Representatives from Barclays. The most recent denial was sent to me on XX/XX/XXXX stating that they are denying my claim because too much time has passed. I have stayed in constant contact with Barclays over the last year fighting to get my money back. I have been promised that it would get resolved, and have been asked to be patient over and over again, while there is no evidence that they have done one single thing to attempt to contact the merchant or verify the charge.
This merchant, called XXXX XXXX in XXXX XXXX was across the street from my hotel. Upon a quick XXXX search of the bar, you can see hundreds of reviews stating the criminal nature of the establishment and dozens of detailed examples of assault, kidnapping and fraud that has taken place there over the last couple years. The hotel concierge told me to not go back there to seek a refund, and also told me that the police would be a dangerous route as well. They advised that I simply deal with my major credit card providers and be happy that I was relatively ok after being XXXX XXXX XXXX as I was.
Barclays should have record of dozens of calls that I have made to them to try and resolve this. The Ivestigator refused to XXXX the merchant when I talked to them and instead told me that I have to get 'documentation ' or they could do nothing to help me.
I truly feel this could have been resolved with proper support and a brief investigation, but believe nothing was ever done to protect me as a XXXX year customer of Barclays.
Thank you for you assistance.
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| 01/13/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I noticed on my most recent Barclays XXXX XXXX statement dated XX/XX/XXXX a charge for {$29.00} for XXXX XXXXXXXX XXXX XXXX that was not authorized. I contacted XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX and asked about the charge and I was told it was a monthly charge for unlimited car wash. I informed the girl from XXXX XXXX that I didnt sign up for a monthly car wash and she told me I signed up in XX/XX/XXXX and they had been charging me monthly for the service since then. I told her I only authorized the {$10.00} charge on XX/XX/XXXX for the car wash -I hadnt authorized anything else. She told me she would cancel the monthly subscription. I requested credit for XXXX months worth of transactions they had been charging me without authorization ( XXXX XXXX ) and she told me she could only credit me for XXXX months worth. I said that was unacceptable as I didnt authorize any transactions but the {$10.00} on XX/XX/XXXX. I then contacted Barclays billing disputes and spoke to someone regarding this and she said that since the merchant said they would credit XXXX months, she would dispute the remaining XXXX months unauthorized transactions. On Wednesday, XX/XX/XXXX, I received a letter from Barclays disputes department saying they were unable to obtain credit on my behalf because they did not receive the notification within XXXX statement cycles after the charges appeared on my monthly statement and they are past the timeframe to assist. I called Barclays disputes department that same day and spoke to a gentleman and told him the charges were fraudulently made by XXXX XXXX XXXX XXXX so asked how I would know to notify them within XXXX statement cycles? He said they are unable to assist so I requested to speak to a supervisor to which he took down my number and said I would receive a call back in XXXX hours. I never received a call back. I am contacting you in hopes that you can assist me in getting my money back for the fraudulent charges Barclays paid the merchant with my credit card. Your attention to this matter is much appreciated.
Sincerely, XXXX XXXX Dispute case # s for unauthorized transactions are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 11/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Delay in processing application
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Web |
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This is a follow up to my first complaint which was never resolved but the case was closed. I applied to Barclays for a credit card and gave all the personal information plus the follow up documents that were requested. I never heard back. I tried for weeks to contact them but never was able to speak to a representative. When I finally did, I was told the request was denied but I had never been notified. I was told a letter would be received, which, to date, has never come. I asked to speak to another person and was refused. I submitted a complaint to your office and an inquiry was initiated, I heard from a Barclay 's XXXXXXXX ( " XXXX '' -no last name ) who stated I would need to resubmit the documentation and I declined, having submitted personal information twice already. I was asked if I wanted to withdraw the application and I agreed to avoid more " lost documents '' - ( as " XXXX '' stated ). I received a phone message to which I responded XXXX times but never heard back.
To date I have NEVER received " the letter '' explaining why I was rejected. I checked my credit score and it was not the problem. Now that I " withdrew '' my application '' all has been disregarded, including in your office but it does not in any way solve the problem of the collection of extensive personal information and no notification whatsoever about the rejection. No, this case is definitely not solved! I will continue to pursue this as this financial institution has my personal information and I have received nothing about the reason for the declination. Withdrawing my application does not correct their transgressions and closing the case does not eliminate the situation. I was definitely NOT going to RESUBMIT more financial information when I had already done so on the phone and by email and received NO RESPONSE in return. Why did their office never return my XXXX return phone calls? They left a message and never called me back after " XXXX '' offered to withdraw the application, which I have since found out will adversely affect my credit rating. This is abuse of XXXX XXXX of the highest order and I have received no answers from you, them or the XXXX.
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| 04/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
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I purchased coins from XXXX XXXX in an online auction. When the coins came in, they were counterfeit. The terms and conditions state : All items are sold as is where is without warranty or guarantee. It is the bidders ' responsibility to verify the integrity, condition, and Authenticity of all goods before bidding. We do not test or verify any items sold in the auction.
However, the seller user terms state : You represent and warrant that any Listed Item ( s ) placed by you : are owned by you, or you have the legal right and authority to sell such Listed Item ( s ) on behalf of the legal owner ; are free and clear of any and all registered and unregistered liens, security interests, tax or duty obligations or other encumbrances or contrary claims whatsoever, except as expressly disclosed by you within the applicable listing ( the " Encumbrances '' ) ; are in good operating condition, free of material defects, except as disclosed by you within the applicable listing ; have not been modified or tampered with in any manner that would be contrary to applicable legislation or misleading to a Bidder, including, but not limited to, tampering with emission control devices ; have not been fraudulently obtained, and are not stolen or counterfeit ; They are required to represent and warrant items are not counterfeit. This information is located in the auction information with XXXX XXXX logo and name on the document. Since they are required to represent and warrant the items are not counterfeit, they are not permitted to change that in the terms and conditions. The coins were purchased on XX/XX/2020 in the amount of XXXX XXXX Dollars. Barclay has so far agreed with the seller saying the terms and conditions override the fact they are required to represent and warrant items are not counterfeit. XXXX XXXX agreed to represent and warrant all items are not counterfeit and since they don't set the auction requirements, they can not make changes to the requirements in the terms and conditions.. I have communicated with XXXX XXXX and Barclay Credit Card about this issue and have requested a refund, but up to this time have been denied by both companies.
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| 08/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I realize that I have not went to Barclays to resolve this issue. But there is a reason for not contacting them. It is a waste of time. I have had to contact Barclays in the past on a few issue and every time I simply get a copy and paste canned answer that doesn't even answer the question. I try to allow them to give better answers and to understand the issue but it doesn't help. It's a complete waste of time to use the secure message center. For that reason, and for my protection, it seems that using the CFPB get better results.
I purchased XXXX XXXX Season tickets this year. I made payments and everything against my card. That part is all good. The XXXX XXXX gave me the option to opt out of my season tickets because of the virus. I exercised this option. The XXXX XXXX recently refunded my account by the same means that I made the payment ( i.e. Barclays ). Because I had been making payments, I now have a credit balance on my account. The refund was for the transactions made on XX/XX/2020 and XX/XX/2020.
I simply want the money either deposited into the account that I use to make payments or a refund check sent to me. Now, I understand that I already redeemed the rewards that were associated with these transactions. For that reason I have a negitive rewards balance of XXXX ( or {$140.00} ). My account has a credit balance of XXXX. Barclays can reduce the money owed to me by the rewards amount of {$140.00} and refund me ( either deposit into my account or a refund check ) for the amount of {$2900.00} ( {$3000.00} - {$140.00} = {$2900.00} ).
We are in times where money is critical to individuals to people because of the virus. I do not want my money sitting as a balance on my credit card when it can be put to critical uses during these trying times.
This should be a simple issue to address and I've already laid out the solution.I wish that I didn't have to you this way to resolve issues with Barclays and that secure message center with the company actually worked how it should. But due to past interactions with the customer service, this is the best way to proceed for both parties.
Thanks for understanding.
Regards, XXXX XXXX
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| 04/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Older American, Servicemember |
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On XX/XX/XXXX, I contacted Barclays to notify them of an unauthorized transaction that reflected on my credit card statement. I spoke with XXXX in Customer Service at XXXX PM who stated I needed to be transferred to the Security Department and I was placed on hold for almost an hour. I was unable to continue to hold so I called again on XX/XX/XXXX and spoke to XXXX in Customer Service at XXXX PM who stated that a fraud claim was opened the previous day and that a credit will take 7-10 business days to apply to my account. I then called back on XX/XX/XXXX at XXXX AM and spoke with XXXX in the Fraud Department who stated that he would need to transfer me to Fraud Investigations. At XXXX AM I spoke with Ina in Fraud Investigations who stated that I would need to be transferred to Customer Service. I was transferred to XXXX in Customer Care at XXXX AM who stated that she needed to open a fraud case because it was never opened. She stated that she would prioritize the claim and provided me with Case Number : XXXX. She advised me to call back if I do not hear from them. On XX/XX/XXXX I still had not heard from anyone, so I contacted Customer Care again and spoke with XXXX at XXXX PM who transferred me to Fraud. XXXX in Customer Security took my call at XXXX PM and stated that he needed to research this case. He informed me that the account was closed on XX/XX/XXXX and that he can not reopen the account. I explained that I did not want to reopen the account I was inquiring about my fraud claim. He advised me that he couldnt find my claim. He provided me with Case Number : XXXX and when I asked to speak to a supervisor, he refused to transfer me to one. The call then disconnected. I called back on XX/XX/XXXX and spoke with XXXX in Fraud Investigations who stated that she can not see any credit card statements from before XXXX of XXXX. She stated that it can take up to 90 days for the claim and that there is a scheduled call back from a manager within 10-15 days. Since then, I have heard nothing from Barclays. I feel that I am being treated unfairly by Barclays. I feel that Barclays is not providing me with an investigation into my fraud claim.
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| 09/21/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
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Web |
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Applied for XXXX XXXX with XXXX Rewards to be used specifically to purchase XXXX Watch costing {$740.00}. Subsequently to the online application submitted to XXXX, I received a form letter, undated, not signed, without anyone 's name appearing thereon and without a designated phone number, such letter demanded sensitive identification documents be sent to a PO Box , XXXX, DE within 30 days or the credit card application would be cancelled. The identification documents they demanded were a copy of my Driver 's License/State ID, Social Security Card and a current original utility bill or bank statement with visible name and address. No explanation was given for why these documents were being required in order for the subject credit card application to go forward.
Called XXXX 's General Inquiries telephone number to address my concerns about the contents of the form letter and why it was sent to me in the first place. My call was transferred to three different people and, finally, ended at the desk of a Security Dept. XXXX, who after listening to my concerns about potential identify theft and why this sensitive info was being requested in the first place informed me that such a requirement was consistent with their policies in some instances. I specifically asked what may have triggered this event and she refused to answer. I informed her that XXXX months back I had received a XXXX 's XXXX with a {$9500.00} credit limit without any difficulties and without any compromising hard copy identification documents being required. She hesitated while she accessed my existing credit card account that showed no outstanding balance, the card having never been used, came back to inform me that that existing credit card was now being put on hold and could not be used until they received the aforementioned identification documents.
I ended the call my informing her that I had no intention of sending such sensitive personal ID documents to a PO Box or to a financial institution that refused to provide reasonable assurance that my identity would be secure as well as an explanation as to why such drastic steps were deemed necessary in the first place.
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| 02/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
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Web |
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I did a balance transfer {$3000.00} from shop your way XXXX XXXX bank to pay off {$3000.00} priceline credit card by barclays almost 45days ago. I contacted both XXXX and barclay. XXXX said they paid off the balance and barclays said they never recieved any funds. I will attach the email.
XX/XX/XXXX Hello, I applied and was granted a balance transfer almost 3 weeks ago. I called on day 11 and was assured that everything was ok. I now owe XXXX on 2 cards. The previous one that has not been paid off and now XXXX shop your way. If it doesn t go through can you please cancel the request free of charge and/or put my balance back to zero?
Response from XXXX XXXX XX/XX/XXXX We are responding to your inquiry regarding the balance transfer.
Our records indicate a check payment was mailed to Barclays on XX/XX/XXXX in the amount of {$3000.00}. The check was cashed by the payee on XX/XX/XXXX. If the funds has not been applied to your account, you may request for a printed copy of the balance transfer check. Once you had received the copy of the balance transfer check, you may provide the payee with the proof of payment so they may open an investigation.
Response from XXXX barclays XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX am Thank you for contacting us regarding your XXXX rewards Visa card. We can certainly address your inquiry regarding the payment that is not posted to your account.
We apologize for the inconvenience this may have caused you. Upon review of your account, we do not show that a payment in the amount of {$3000.00} has been received as of today, XX/XX/XXXX. In order to further assist you and to help us resolve the issue, please reply to this message with the following information : Payment amount External bank routing number External bank account Payment method Date check cashed/funds taken Bank the funds were withdrawn from A copy of the front and back of the cashed check or money order should be faxed or mailed to : Fax : XXXX Customer Care XXXX XXXX XXXX XXXX, DE XXXX I forwarded this email to XXXX and did not get a reply. So now I owe XXXX on both cards plus a {$150.00} transfer fee while both are denying responsibility.
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| 10/04/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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Received a promotional offer for 4 % interest rate on purchases made within the period, in XXXX, from Barclays. I called the company to verify my understanding of the offer ( that it applied to purchases made within the period, meaning that the interest rate would remain 4 % for the balance incurred within that period even after the promotion had ended ) and when they verified that was correct, I increased my credit limit and made a large purchase using the card. That has been the only charge on that card since then.
I made regular payments and saw interest charges of ~ {$30.00} each month. On XX/XX/XXXX I received an email warning that the scheduled payment was lower than the minimum, even though I had changed nothing. Looking into it, I realized my interest charge had jumped from ~ {$30.00} to ~ {$190.00}.
I called Barclays and they explained that my promotional period was over. When I explained that I had been explicitly told by a Barclay representative before making the large purchase that the promotion would apply to purchases made within the period instead of to balances within the period, the {$190.00} interest charge was comp 'd and I was told an investigation would be opened to review the account.
On XX/XX/XXXX I called again to ask about the status of that investigation. The first representative repeatedly gave me incorrect and conflicting information, telling me that the investigation was ongoing, concluded, and never occurred at different points in the conversation. When I instructed her to close my account because I don't do business with companies that lie so blatantly, I was transferred to another representative who was falsely informed by the first representative that I wished to close the account because I don't use it.
That second representative stated again that no investigation had ever been opened even though the {$190.00} interest charge had been comp 'd as promised during the initial call in XXXX.
tl ; dr I paid ~ XXXX XXXX today to close an account with Barclays because they apparently will say anything they need to to get their customers to use their card or to stop complaining, no matter how false
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| 07/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
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Web |
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On or about XX/XX/XXXX, XXXX XXXX handed over processing of the XXXX XXXX credit card to Barclays Bank, where it is now the XXXX XXXX XXXX XXXX XXXX. As part of this transition, payments made to XXXX bank were to be credited to the new Barclay accounts, and new cards were issued.
My payment of {$2100.00} to XXXX, which was sent electronically on XX/XX/XXXX, was accepted on XX/XX/XXXX and credited to the new Barclays account. You can see this transaction on my Barclays XX/XX/2022 statement listed as - {$2100.00} with the Description of " PAYMENT - THANK YOU LANG*! XXXX ''. However, on XX/XX/XXXX, a transaction of {$2100.00} was posted to the new Barclays account with the Description " / % m ''. Needless to say, I did not authorize this transaction. When I called Barclays about this mysterious transaction, they said that my payment had been returned to me because it occurred after the transition from XXXX to Barclays. However, no payment was ever returned to me through my bank, and to this day I have received no refund. My bank ( XXXX XXXX XXXX confirmed that the payment was successfully processed electronically and gave me a confirmation number. My XXXX bank statement also confirms this.
Since the XXXX of XXXX I have called Barclays at least 7 times to attempt to get this resolved. I even contacted XXXX bank ; they were sympathetic and said they had heard about this problem from five other customers just on the day that I was talking to them, but that it was a problem that only Barclays could resolve. I have also sent electronic messages to Barclays through their message center and supplied them with all the information they have requested, including FAXing ( per their instructions ) evidence of the bank statements and confirmation of electronic payment. Still, on my last phone contact with them today ( XX/XX/XXXX ), they seemed to have no idea what was going on, and one customer representative even hung up on me. They also refused to give me a case number or confirmation number on my call, and I refused to hang up until they at least provided me with a call center employee identifier so that I could track the call if needed.
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| 01/14/2016 |
Yes |
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Web |
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On XXXX/XXXX/XXXX, Barclay closed my Barclay Arrival MasterCard account and sent a letter indicating the following : We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are unable to maintain an account with you because of your history of account usage. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement that governs your account. '' Upon receipt of this letter, I called Barclay 's on XXXX/XXXX/XXXX and spoke to a customer service representative and a manager. I asked them for the reason why my account was closed without any warning and they basically just repeated what the letter had stated and that they could not provide any more details. I told them that I had XXXX Barclay Arrival points in this account that I can no longer access because the account is now closed. The manager stated that there was nothing he could do to get those points to be credited back to me. These points are worth approximately {$1500.00} if they are redeemed towards travel expenses such as hotels, airfare, etc. I was travelling to XXXX in XX/XX/XXXX and XX/XX/XXXX. Had planned to use my points for travel during that period. But they cancelled my card while I was in XXXX and hence could n't use Barclay card during my international travel at all. I am unhappy with the way that they have closed my account. I have never ever been late on making payments and keeping outstanding balance well within my credit limit. I would have appreciated if Barclay 's had at least notified me about what I had been doing that was unsatisfactory, so that I could have avoided being closed. Instead they closed my account without any warning. I was planning to downgrade my card to basic one anyways but they said there was not a way to do so and they would not even refund or compensate for my points that I accumulated for my international travel, which is what they point out as best benefit associated with the credit card to begin with. Its very unethical and rude on Barclay 's part and caused huge discomfort as I had planned to rely on them for the duration of my stay in XXXX.
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| 04/19/2015 |
Yes |
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- Advertising and marketing
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Web |
Older American |
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I filed a previous complaint against Barclay regarding an offer I appliedfor and was accepted by them on XXXX XXXX, 2014, for a credit card0 % interest for 14 months. I received no email from them as I was told Iwould verifying the terms, nor did I receive anything through the postalservice. Upon receiving my XXXX statement, there was no interest charged.
on that statement. On the XXXX statement, there was. I looked and sawthat I was being charged a rate of 24.99 % interest. I would NEVER haveapplied for any card with that kind of interest. I did n't need the card, but Ithought 0 % interest for 14 months was a good deal. You sent me anemail with a link indicating I could see the response from Barclay. Theonly thing it shows is that it is " processing ''. There is no other responsefrom them. I received a phone call from a woman, whose name I did notmanage to write down, telling me she was going to look into the matterand get back with me. She called me a few days latter, assuring me that, indeed, this is the rate I would be assigned and that this offer was notmade to me by Barclay, that it had to have come through XXXX XXXX.
I figure she obviously knew that offer was out there, or she would n't haveknown it came through XXXX XXXX. Your report says it is " processing '', while her indication is that Barclay has finalized their review of the matterbecause she told me they would not be able to put the 0 % interest on theaccount. Again, I was misled when I applied for this card. I do n't knowwho made the offer, but it certainly appeared to be made by Barclay. Icompared it with XXXX XXXX XXXX cards, a XXXX card, and a XXXX. I did n't bother to compare it with a XXXX XXXX XXXX card, as I don'tlike XXXX XXXX XXXX nor do I trust them. I no longer trust Barclay, either.
All of the cards I compared had either a 0 % interest in some form, no feeor no balance transfer. I chose Barclay because of the 0 % interest for 14months. Again, I have the documents to prove my assertions. I amunable to save them to my computer hard drive files, despite manyattempts. No doubt, Barclay has a good reason for that. I can provideprinted out copies, however.
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| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have had a credit card with Banana Republic since XXXX. I have never had an issue with the company until they sold the card services to Barclays. I received a bill for XXXX that stated I owed {$140.00} and that the payment was due XXXX XXXX XXXX. I made a payment on the payment due date. This is reflected in the XXXX XXXX statement provided by Barclays. The XXXX statement also shows a {$0.00} balance. I was shopping the first week of XXXX and tried to use the card and it was declined. I called to inquire about the issue and Barclay 's said that my XXXXXXXX XXXX XXXX payment was reversed due to my bank information being incorrect. I had not received an email, call or letter regarding this payment issue. I went online and immediately paid the balance of {$14000.00} using the stored bank account information in the Barclay 's system that I had used to make the same payment in XXXX. I have called Barclay 's three times to try and resolve this matter because they reported this issue to the credit agencies and labeled me as delinquent. This filing led to my credit score dropping XXXX XXXX. Barclay 's explanation that the bank account information was incorrect is not supportable. I have had the same account information stored in their system for over a year and have made numerous payments without issue. Further, they failed to inform me of this error to give me an opportunity to correct the payment that they claim was reversed. I have asked them repeatedly for documentation to show the payment was reversed and they will not provide it. Their representative said they mailed me a letter to notify me, but I never received this letter. I have closed this account as I am not comfortable doing business with this company based upon this incident. My request is for them to rescind the delinquent account notice to the credit reporting agency. I made a payment by the payment date of XX/XX/XXXX. My XXXX statement shows a XXXX balance and they failed to notify me of any issue. Without any notice, they filed a report with the credit agencies. I am seeking assistance as their customer service team refuses to offer any resolution or further review.
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| 06/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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Received XXXX XXXX inflight offer as I was deplaning from a flight. Applied for card on XX/XX/XXXX : terms on application stated XXXX bonus miles after spending {$1000.00}. Paper application asked for " ID number ''. Called number on application and rep offered to complete the application by phone. Approved for card. There is nothing in the welcome package that even mentions bonus miles of any kind. Called the rep the day I received the card and was assured that bonus miles offer was valid.
Fullfilled terms to earn bonus miles, later received email that I was running out of time to take advantage of bonus. Called customer service and was told terms were XXXX bonus miles if I spend {$2000.00}. I was not advised in writing or verbally at time I applied for card over the phone that terms were different than what I had on my application. New terms are not noted on approval letter received with card or the terms sheet. Customer service had me send a copy of the application by email to XXXX on XX/XX/XXXX. Letter dated XX/XX/XXXX " unable to complete request '' " call number on back of card ''. Called rep, she didn't know anything. Took my info, promised call back. No call. Follow up email to XXXX on XX/XX/XXXX. No response. XX/XX/XXXX called customer service number : told case was closed out. I received no notice by phone, email or postal mail that they had closed my claim. Asked for manager. Manager says can not help, spend more money on card to meet new terms which I still do not have in writing. Now, for the first time I'm told I should have filled out the application on the plane before I left! Manager told me they would mail the terms within 30 days ( at which point the " updated terms '' would have expired, ie no bonus miles ). He would also open investigation to find out why I was not informed of change of terms. I also requested, since they record their calls, that I hear the original call when I applied. If I misunderstood the terms by phone fine I will give up and leave them alone. Otherwise I feel I was misled and as a customer service show of good faith they should credit the bonus miles per the terms on the application.
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| 10/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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Your help is needed as I have been locked out of my Barclays card profile for address changes since XX/XX/XXXX to ensure the address is matching my account. I was mislead that the address they had on file was XXXX XXXX XXXX, XXXX NY XXXX. I contacted XXXX, XXXX and XXXX of the invalid address on my profile and is not a correct location. XXXX has now alerted me that barclays has been sending the invalid address : XXXX XXXX XXXX XXXX XXXX GA XXXX to my file and not XXXX XXXX XXXX XXXX NY XXXX. I called and spoke to XXXX XX/XX/XXXX who stated she was in another country and was not understanding how addresses listed and struggled to assist with no avail. She placed me on hold several times verified a previous address for security purposes. XXXX then disconnected the call while i waited on hold for 37 min 39 sec. XXXX also responded " with a weird expression when I advised her the call would be recorded for quality assurance from my end. Barclays has consistently treated me in a prejudice manner. I have been stressed of the invalid information. I advised I only have one location that I need mail to be sent which is XXXX XXXX XXXX XXXX # XXXX XXXX GA XXXX. Despite, Barclays XXXX XXXX has valid history of my records and address, they have been updating the 3 CRAs with wrong address. Barclays has mislead me to believe the address on file was XXXX XXXX XXXX XXXX NY XXXX. Barclays mislead me that the only address being reported to XXXX, XXXX, XXXX is XXXX XXXX XXXX, XXXX NY XXXX. Barclays has lock the profile to prevent address updates. Barclays has failed to have my name correct in their profile. My only name is XXXX XXXX as per SSN attached.
How can they be mailing my personal information to a wrong address? My rights as a consumer has been violated with all the misrepresentations and prejudicial treatment.
2ND : BARCLAYS HAS DECREASED MY CREDIT LINE WITH NO adverse action notice despite my XXXX score was at XXXX this only happened after I file a dispute in the message center on XX/XX/XXXX I was then treated unfairly with a reduction to my credit line. To date, I have not received any correspondence to substantiate Barclays actions.
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| 07/12/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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My late wife opened an account with Barclays Card for a XXXX XXXX rewards credit card. She used my name and information to open the account. She used the card and received and - supposedly - paid the statements, I never used the card or saw any statement from the account. My wife XXXX XXXX in XX/XX/XXXX. After she XXXX, I began going through financials and was receiving all of these credit card statements that I had not seen before or even knew about. I contacted Barclay to dispute the card but did not receive any response. I then hired an attorney to make a fraud dispute claim with Barclay in XX/XX/XXXX. My attorney contacted Barclay to issue the fraud claim and follow up on the claim on XX/XX/XXXX and requested a copy of the complete records and application for the account. On XX/XX/XXXX, Barclay mailed a copy of the credit application. The report provided by Barclay was a one page printout that only had basic information about me on it, including my name, DOB, income, mortgage expense, and address. There was no signature or anything else in that " application '' that could have been used as verification that I was the one opening the account. My attorney sent follow up correspondence to Barclay regarding our fraud claim on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Barclay has never responded to any of these letters, provided any response to our fraud claim, and continues to send monthly statements on this account. After my wife XXXX away, the credit card has not been used, and I never used it at any point. I did not even learn that we had this account until after she XXXX XXXX. My attorney and I did make a telephone call to Barclay or its collection agency - I do not recall which as we were transferred around multiple times during the call. However, that call did not result in any meaningful response. This account and the excessive balance on the account has destroyed my credit score and has severely impacted my life. I have merely asked Barclay to close the account as fraud and wipe it from my credit report, but I have not received any amount of response or sign that they even investigated the claim.
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| 11/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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THIS IS NOT A DUPLICATE REQUEST. THEY HAVE FOUR BUSINESS DAYS TO FIX IDENTITY THEFT AND IT HAS BEEN WELL OVER THAT DEADLINE.
Please read and respond. You are required to remove this instance of identity theft from the consumer report or provide the written acknowledgment and authorization provided by the consumer stating that they are opting into credit reporting at the time of signing up to this account. This authorization must have been clear and provided inconspicuously to the consumer. If you are unable to provide this acknowledgment and authorization by the consumer, or if it was not clear and conspicuous at the time of signing, then you must remove this account from their report. It has been over the four days given by law.
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I did not give Barclays specific written permission or the right to share my personal, private financial information that the consumer reporting agencies have on record, and Barclays did not provide me with clear and conspicuous written disclosure that specifically gave me my rights and options for opting out of credit reporting. Therefore my rights are being violated, my privacy is being violated. I am demanding that you follow the law and that you block and remove the account identified as being identity theft and that they be removed from my consumer reports immediately.
I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transaction is not information related to any transaction by me as the consumer : BARCLAYS BANK DELAWARE | ACCOUNT # XXXX You are required to do what I am asking and block this transaction from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
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| 10/03/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with convenience check
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Web |
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I have a credit card from Barclays ending XXXX. In XXXX of XXXX I have received a letter from Barclays offering a promotional balance transfer rate of 0 % and 3 convenience checks attached to it.
Check numbers were XXXX, XXXX, XXXX. The letter stated that the checks must be posted prior to XXXX XXXX in order to get the promotional rate of 0 % APR until XX/XX/XXXX.
The 1st check # XXXX was processed on XX/XX/XXXX to XXXX for {$9600.00}. That transaction was marked correctly on my statement and had 0 % APR.
However, the 2nd check # XXXX was processed on XX/XX/XXXX to XXXX XXXX for {$14000.00} was marked in Barclays statement as check # XXXX instead of # XXXX. Because of that Barclay started charging me interest of 20.24 %. When I caught this issue I called Barclays to resolve the issue hoping to reverse all interest charges. The 1st call I made XX/XX/XXXX and spoke to XXXX with ID : XXXX XXXX created the case # XXXX to have the problem to resolved ASAP. On XX/XX/XXXX I called again and was told that the case is still pending. On XX/XX/XXXX I went online at my Barclays account and asked for support in the chatroom. The chatroom said that the letter with what needs to be done was mailed to me XX/XX/XXXX. The letter came in XX/XX/XXXX. The instructions were to call general number.
I called again XX/XX/XXXX and spoke to XXXX. XXXX ID is XXXX. XXXX said that XXXX ( previous manager ) didnt create case file correctly, so it was ignored. XXXX created the new case # XXXX. On XX/XX/XXXX I have checked Information on-line. There were no changes to interest being charged and payment breakdown. On XX/XX/XXXX XXXX confirmed over the phone that the check received on XX/XX/XXXX {$14000.00} is check number # XXXX.
Barclays insists that the check I signed was XXXX. This is false statement. I never had that check. Im attaching supporting documentation : 1. Promotional letter.
2. XXXX statement when payment was received.
3. Barclays statement with {$9600.00} check # XXXX cleared.
4.Barclays statement with {$14000.00} check # XXXX ( wrong number! ) cleared.
5. Current statement showing different interest Being applied to both transfers.
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| 12/13/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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In early XX/XX/2019 on a Frontier Airline flight to Colorado the flight attendant made a very compelling sales pitch for the Frontier Airlines Master Card credit card ( through Barclaycard ). She said it was unique because unlike other cards we wouldn't have to wait several billing cycles to get the XXXX promotional mileage points. As soon as we paid the annual fee of {$79.00} and made a single purchase in any amount, the points would be deposited into our Frontier mileage account. We took her up on the offer, got two forms and both my husband and I applied with the short one page application on the flight and handed in the applications.
We were both approved a few weeks later and received our cards. We were billed the {$79.00} on XX/XX/XXXX, I made my first purchase on XX/XX/XXXX, and my husband on XX/XX/XXXX. We both paid our credit card bills in full on XX/XX/XXXX. We waited for points to be deposited and when they didn't appear I called Barclays account service department. They told us that their policy was that the bonus points would be deposited 4 to 6 weeks from the date we paid the first statement bill if we had also paid the annual fee. They said this information was in the fine print of the documentation they sent out with the cards.
I told the account supervisor that we applied for the cards on the basis of the information we were given on the flight by the attendant, and in the form she gave us and we signed. It said nothing about 4-6 weeks from the date of first payment. This is false and misleading marketing. We applied for both cards in order to save hundreds if not thousands of dollars on holiday airfare. By waiting in vain for the points to appear we put off purchasing airline tickets, and the cost of the travel we need to book has now gone up substantially.
This is nothing more than a marketing scam. I told the supervisor at Barclays that we wanted them to honor the deal offered by the Frontier representative and to deposit the miles into our account immediately. They said they had a process that wasn't aligned with what the frontier representative told us, and that there was nothing they could do.
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| 10/11/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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Barclay and Uber offered a credit card rewards program that was difficult to access, rules were changed to the detriment of the consumer, benefits were incorrectly calculated, and customer support unable to resolve the discrepancy. In XXXX of XXXX, I attempted to redeem rewards associated with Uber Credit Card promoted by Barclay. However, the process was confusing enough to cause me to try again later. In XXXX of XXXX, I had approximately XXXX points ( {$910.00} value ) earned for the account. I learned the program had recently changed to only allow rewards to be redeemed through Uber. Yet, the Uber app did not reflect my point balance. I was unable to redeem any of the points earned so far. Only newly earned points were reflected in the Uber app. I reached out to Barclay and Uber but both have been unable to resolve this issue. Two supervisors at Barclay have understood my concern and XXXX gave me a courtesy credit of {$200.00} while acknowledging that there were other customers with the same problem. Uber support responded with arbitrary prepared messages unrelated to my issue, despite reaching out multiple times between XXXX and XXXX, XXXX. Ultimately, I consider Barclay responsible for this because I entered into an agreement with Barclay and expect to deal with Barclay for resolution of the issue. For reference, I'm including some dates associated with Barclay communications.
XXXX, contacted Barclay, case XXXX closed without explanation.
XXXX, contacted Barclay, case XXXX closed without explanation.
XXXX, contacted Barclay, case XXXX, talked to manager XXXX who understood my issue, found other cases of customers experiencing the same problem, and gave me {$200.00} statement credit as a courtesy due to the ongoing trouble.
XXXX, contacted Barclay, talked to XXXX ( same manager ), no change in status.
XXXX, contacted Barclay, talked to XXXX ( employee id LASMMO ).
XXXX, contacted Barclay, case XXXX, talked to manager XXXX who understands issue.
XXXX, contacted Barclay, told to contact Uber directly, XXXX XXXX XXXX, help@uber.com ... of course, as before, responses from Uber were not related to my issue at all.
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| 12/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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|
Web |
Older American |
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This Complaint relates to a BaALANCE TRANSFER promotion from Barclays Bank USA through my Miles & More Master Card with Barclays Card.
On XX/XX/XXXX, I called XXXX and spoke to XXXX. I stated that I wish to avail the % promotional offer, details as attach A. Ms. XXXX validated my credit card account with Barclays and I then proceeded to give her the details of the Receiving Bank where the funds of {$7000.00} should be transferred to, the XXXX XXXX XXXX XXXX XXXX Elite Visa Card.
On XX/XX/XXXX, Miles & More Mastercard was charged the Balance Transfer Amount of {$7000.00} plus the 3 % Transfer Fee of {$210.00}.
On XX/XX/XXXX, I called Barclays and spoke to Ms. XXXX to query as to why the funds have not been credited to my XXXX Visa card. She stated that Balance Transfers take about 7 to 10 business days to be credited to the Receiving Bank. I retorted that I " was not advised of such delay '' when I spoke to Ms. XXXX on XX/XX/XXXX. I explained that the reason that I took advantage of the Bank Transfer was to obviate the " high interest ( 11.4 % ) of XXXX. A substantial delay in crediting my XXXX credit card puts me on " double jeopardy '' in terms of paying the 3 % transfer fee upfront by Barclays and at the same time paying a " compounded interest of 11.4 % '' with XXXX. It DEFEATS the whole purpose of " taking advantage of a lower interest.
I spoke to a Supervisor named XXXX ( ID # XXXX ) and requested a copy of the DISCLOSURE indicating the " 7-10 window to transfer funds ''. He stated that he COULD NOT provide me one. I requested him several times and he insisted that he could not provide me a Disclosure. After my insistence, he said that he could READ me the Disclosure but NOT one in WRITING!. I rejected his proposal.
Both Ms. XXXX & Mr. XXXX denied my request to CANCEL the transaction because of this delay.
To this writing ( XX/XX/XXXX ), these funds have not shown as credit to my XXXX Visa card, Please see attach B.
Your assistance in having this issue be investigated and clarified is much appreciated.
FYI, I am a senior of XXXX years old on a fixed income who is responsible enough to meet my obligations.
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| 05/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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On XX/XX/2019, I learned a credit account had been opened in my name at Barclays Bank. The card had an outstanding balance of {$15000.00}. I called Barclays Bank to notify them of the fraudulent account and was told they would investigate. I completed an Identity Theft Report at the Federal Trade Commission website. I printed the report, sent it to Barclays along with a letter requesting the account be closed and reported as fraudulent to the credit bureaus. I froze my credit report at all 3 credit bureaus and mailed them the identity theft report along with a request the account be removed from my credit report. On XX/XX/2019 I filed a incident report at my local police precinct and a police report was issued. I faxed the police report to Barclays on XX/XX/2019, then followed up with a phone to Barclays on XX/XX/2019. When I called I gave the representative the name and contact information for the Detective assigned to the case. As a result of the Detective 's investigation an arrest warrant was issued, an arrest made, and a guilty plea entered in court. The guilty plea was entered on XX/XX/2019. On XX/XX/2019, Barclays called me to inform me they had completed their investigation and determined the account was valid. On XX/XX/2019, I faxed additional documentation to Barclays, including a letter for the US District Attorney 's office documenting the guilty plea on the charge of credit card fraud. On XX/XX/2019, I called Barclays to follow up, according to the representative, the documentation faxed XX/XX/2019 had not been reviewed, but would be forwarded to the investigations team. The account remains under review. Over the last 3 months, I have received 2 letters from Barclays stating their investigation was complete and the account is valid. I have spoken with multiple representative who claim that purchases made with the card, including groceries, were household items and therefore I am responsible for the account. Every time I call Barclays, I am place on hold multiple times, transferred at least twice or asked to call back at another number. When I call, I never speak to the same representative more than once.
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| 03/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
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I Consumer, XXXX XXXX extended credit to Barclays Bank entering into a consumer credit transaction through the extension of credit in accordance with the Truth in Lending Act.
Upon review of my right and reports I submitted a dispute to the credit bureaus requesting the Barclays account listed on my consumer report be removed in accordance with 15 USC 1681a ( 2 ) ( a ) ( i ). See below for the exact exert from the law ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; 15 USC 1681a ( b ) also states ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ... Should also be EXCLUDED from my consumer report.
In accordance with 15 USC 1681 congresses has stated that I the consumer have the RIGHT to privacy and that I must provide written instruction to any consumer reporting agency who wises to finished information regrading me which I have not provided.
Furthermore, in accordance with 15 USC 6802 of the The Gramm-Leach-Bliley Act it clearly states that no financial institution shall disclose my personal NONPUBLIC information without the consent of the consumer AND that upon receiving such consent the financial institution MUST give the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Upon reviewing all of my documents, I WAS NOT provided with clear instruction to utilize my ability to opt out nor was I given clear instruction on how to exercise my RIGHT to opt out.
There is no law that states that anything has to be reported on my consumer report but there are multiple that state that I have a right to privacy and that I MUST provide consent to the sharing of any of my personal nonpublic information.
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| 07/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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I am writing because Ive been in contact for months with Barclays to dispute a fraudulent transaction on my credit card. Ive been transferred between the dispute and fraud departments every time I call. Ive been told a supervisor is never available but that one will call me back, and yet Ive never gotten a call back.
The dispute I have is regarding a transaction on my Barclays account where a merchant overcharged me. I was in XXXX XXXX, XXXX at a bar on XX/XX/21 with a friend, and when I attempted to pay the bill for drinks, I was told we owed {$8000.00} XXXX XXXX. I handed my XXXX credit card I use for daily purchases to the waiter who walked away to charge the card, but when he returned, I was told the card declined.
I then proceeded to attempt to pay with another XXXX card and I was told it declined too. The same happened with a XXXX XXXX I tried to use. I then tried to pay with my Barclays card, but again the waiter returned to say the card declined, and I would need to pay with cash. A representative of the bar then took me to a nearby ATM, and I made a withdrawal, and paid my bill in cash to pay this. I was given no receipt, but I was allowed to leave the bar at this point.
It was not until I checked my Barclay account online much later that I discovered the Barclays card was charged! Not only was I lied to about the transaction, but the card should NOT have been charged at all because I paid in cash, and the amount also charged is outrageous, and not in line with my bill that day. Plus, I never signed a receipt for that charge. When I noticed the charge, I contacted Barclays to help resolve the matter because I had no way to contact the bar, and I do not speak good enough Spanish to have been able to discuss the matter with them either way.
I provided a copy to Barclays of the ATM transaction for the cash that I used to pay the merchant, as well as the text messages from both XXXX XXXX & XXXX showing the merchant was trying to charge my account random and outrageous amounts which were not authorized by me and are clearly fraudulent. To date, Barclays has denied my claim once, providing no explanation.
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| 08/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/2021, my Barclaycard Rewards Mastercard was stolen by thieves. The thieves drove off with it and immediately went to a nearby commercial center and began using it, including stopping at a gas station and filling up. I received a fraud alert from Barclays which is when I realized my card had been stolen. I immediately had Barclays deactivate the card and send me a new one. I contacted their customer service department several times, listing out what had happened, and every single fraudulent transaction that occurred that day. In fact, after my real transaction that day at a XXXX, every single transaction that occurred afterward was fraud/theft. Those were the last transactions on said card.
For some reason however, their fraud department keeps insisting that the transactions are valid when in reality they are absolutely not. I have tried and tried to explain this simple situation to them, and have called them dozens of times with this same issue. Each time I am redirected to the " fraud '' team where I am subsequently sent onto a two hour hold ( 2 hours at least, I usually hang up after wasting 2 hours for them to answer the phone ). So far I have not heard anything back from them.
Worst part of this all is that this card is fully paid off, and now they've added the stolen transactions onto my account and are trying to tell me to pay them off, including interest, WHEN THEY ARE ALL FRAUDULENT TRANSACTIONS. What makes this even more infuriating is that they've already found a couple of these transactions on XX/XX/XXXX to be fraudulent, yet have found others to be valid, seemingly at random, despite that some of the transactions occurred after the ones they've admitted were fraud, chronologically. So not only are they insisting that I'm lying or delusional, their own audit logs or judgment seems I already got robbed in real life, now Barclays is trying to rob me again. This is coming from a customer who had the card for over 10 years, back when it was first called the XXXX rewards card. This is how they treat their customers who have been loyal and responsible but are unlucky enough to be victims of crime.
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| 08/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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i recieved a credit card in the mail from jet blue which i never applied for so i disregarded it until a few months later when i was going over my XXXX credit report and noticed luckily my score was down 94 points from very good to good due to lack of payment. since i never make a late payment and my payment history is perfect i looked further to see that it was barclays bank who own the jet blue credit card. i have spoken to jet blue over 15 times ( first time XX/XX/XXXX XXXX ) and explained that this is fraud and was assured by the rep that it would be reported as fraud and the credit agencies would be notified as such. jet blue however did not report it as fraud, they reported that they believe the information was accurate about my payment being late and although they assured 10 different reps that the account has been closed. not one thing that jet blue or barclays bank has told me has been the truth. they have lied or misrepresented every communication or information given to me. even with my exceptional credit history XXXX has done nothing to protect my credit rating. aftyer multiple frustrating attempts to get XXXX to help my case i was last told by them that fraud or identity theft is not their problem i should call the police or fbi. i am a 30 year employee of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so i couldnt believe my ears. i was given XXXX by my employer because someone attempted to open a unemployment case under my name fraudulently over a year ago. XXXX was given to all of us at no fee to monitor and keep our identity and credit safe and the opposite has been done. as of today the barclays account remains open with negative late payment reporting continuing on my XXXX credit report and my score continues to go down. i reached out to barclays one more time but they refuse to look further into the fraud. this credit was never activated and of course never used and rhere are no charges on it. i believe it is ther activation fee they has has not been paid and refuse to close the account unless it is paid. it is criminal but there is no recourse against this co. respectfully submitted. XXXX XXXX
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| 11/12/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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Sampler points XXXX {$2900.00} Down payment : {$0.00} Used three nights so far.
We purchased a Sampler packageXX/XX/XXXX A Barclaycard was used to make the purchase. The card is only in my name but XXXX and I are both on the purchase agreement. We agreed to this purchase only because we had the agent XXXX XXXX at XXXX XXXX XXXX XXXX XXXX in XXXX. We turned down XXXX XXXX. They brought in a second agent.
They brought in a third agent, XXXX XXXX, who offered us the Sampler for {$30.00} dollars a month for 18 months and said there would be no down payment required.
We repeatedly verified with XXXX that we would have NO down payment and would pay only $ XXXX for the 18-month period. The agents specifically asked us, What if it was just {$30.00} a month for 18 months and no down payment.
This would mean our total purchase would be {$540.00}. They checked boxes on the agreement underneath the {$2900.00} that stated 1. No down payment due and 2. No balance due - so we felt assured this was a promotional package that would cost us only {$30.00} per month for 18 months.
The first payment of {$30.00} was in XXXX XXXX. I noticed in XXXX XXXX the minimum payment increased from {$30.00} per month to over $ 75 month.
I contacted Barclaycard. After reviewing the contract they explained no down payment means XXXX was paid in full by XXXX. In other words, it was a loan but no terms were stated.
My balance is {$2800.00} as of XXXX.
Because of our personal income and expenses I would have not purchased this product had I known or been informed of the actual terms.
XXXX XXXX has been issued an Assurance of Discontinuance by the Arizona Attorney General accused of violating Arizonas Consumer Fraud Act. I understand that in Arizona alone there have been over 900 complaints from XXXX members about predatory sales and lending practices. In addition a lawsuit has been filed in federal in Nevada against XXXX for a XXXX dollars.
This predatory lending needs to stop. I am hoping the Consumer Financial Protection Bureau will help us resolve this situation as I am not able to afford this product after being deceived into buying it.
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| 06/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Please see letter below regarding my original dispute with my XXXX XXXX reservation purchased with my Barclay 's XXXX on XX/XX/2021. The amount in dispute is {$2600.00}. The reservation had to be cancelled due to XXXX XXXX breach of contract.
On XX/XX/2021 I presented an ample amount of correspondence to Barclays XXXX dispute specialist proving XXXX and its host acted in bad faith. Additionally, I have telephoned Barclay numerous occasions and not been given the opportunity to speak to an actual billing dispute representative. Ultimately, on XX/XX/2021, Barclay mailed me correspondence stating XXXX did not violate the terms and conditions of sale. Their conclusion prompted an immediate appeal on my behalf.
To whom it may concern, I have faxed you an ample amount of correspondence regarding my dispute with XXXX and my host XXXX. You can clearly see, I conducted myself in the utmost professional manner. This reservation appeared futile from the beginning. I am the consumer and I had to be involved daily regarding my reservation problems caused by the host and XXXX. The host and XXXX conducted themselves as unprofessional and doing business in bad faith. One can not expect a family, with a XXXX individual, to travel out of state, especially during these turbulent times, without CONFIRMED RESERVATIONS. I had repeatedly questioned the host regarding the method of confirmed reservations with the respective resort only to respond they would have my name when I arrive. REALLY!!!! The host presented as a marginal communicator at best. He should have confirmed my reservation with the resort sooner and eased the XXXX of not knowing whether I was going to be stranded in Florida without a place to stay in the mist of a pandemic It was only 48 hours prior to check in when the resort ultimately learned of my reservation and still the dates of the reservation were INCORRECT. This business transaction was nothing less than fraud and robbery!
Please advocate on my behalf as I am a card holder in very good standing! I would appreciate a dispute agent to contact me regarding this matter.
Respectfully, XXXX XXXX XXXX XXXX XXXX
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| 07/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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My wife and I saw the promotional offer of XXXX award miles after making one purchase and paying the {$99.00} annual fee. It was a targeted promotion advertised on a travel website. My wife and I used the same link, on the same day, approximately one minute apart from each other, when the cards came in my wife received the correct promotional offer but I did not receive what was advertised. Instead I received an offer of XXXX award miles after purchasing {$2000.00} in minimum spend over 90 days. I called Barclays to explain the situation, the agent pulled up mine and my wifes account and said yes, they made a mistake and we can get this fixed for you. A few weeks go by, nothing changes. So we call the company again. This time I speak with a manager who tells me that it is pending investigation and they may or may not fix the issue, and they will do it whenever they get to it. I was not given a time frame. I have called back several times and at least three times have been disconnected with no call back. Once I asked the agent if I could give him my number so that if I was disconnected he could call me back, he said but that he would out a note for someone to call me back. SurpriseI was disconnected again, with no call back. After calling again, I asked to speak with the first agent I spoke with, was told no but was told I would receive a call back from a manager within 24 hours. It has been 48 hours and no call has been received. This is false advertising. I specifically used a link promoting a specific offer and did not receive that offer. My wife has already received her miles award and it has been deposited into her account, but XXXX cant even get a call back or an answer. Their website says they try to handle complaints quickly, but when I call I get a response of we dont know, they usually take several billing cycles if they fix the issue at all. The phone calls are recorded, but we cant ever talk to the same person or find out extension numbers or get call backs if we get disconnected. This feels intentional, and it is false advertising. I would never have signed up for this card for the offer I received.
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| 01/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/2018 I made a purchase on XXXX XXXX XXXXs website with my Barclays credit card. The amount of the purchase was $XXXX for a shirt and pants. The item did not fit and it was returned to the seller. On waiting on my refund from XXXX XXXX XXXX they emailed me and said that they couldn’t issue me a refund because it didn’t comply with their return policy by assuming that the item was worn. They re-shipped the item to me but I refused the package because I know the item was never worn! I contacted XXXX XXXX XXXX and ensured them that the product was returned exactly how I received it and I proceeded to file a claim with Barclays Card services. On filing a claim with Barclays after about a month I received a letter from Barclays stating that XXXX XXXX XXXX said I never contacted them which was not true and the over all reason for the decision to not go in my favor was stated that “the primary has no proof the sizes ordered differed from the size that was received” which was far from the truth of why XXXX XXXX XXXX first contacted me. I re-opened the case and submitted the necessary evidence and documents showing that XXXX XXXX XXXX submitted untrue information. I hadn’t heard from Barclays so I contacted them about a month after. They informed me that the case still did not go in my favor because they cannot override the policy of the seller. Barclays said they would send me a letter and I’ve been waiting for it almost 2 months now. This is a completely unfair decision. XXXX XXXX XXXX still has the merchandise in their possession, in addition to the charged amount of $XXXX. Barclays has left the charges on my card and it has been accumulating interest! They have submitted zero evidence that the item was sent back worn except for XXXX XXXX XXXX saying that. I submitted evidence stating that the company has lied and they still made the decision in XXXX XXXX XXXX favor. I would think my card company would try their best to get me my reimbursement, instead they were very negligent and unfair in dealing with this matter. They have failed me as a long term customer and this matter needs to be rectified immediately.
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| 05/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
Older American |
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I am XXXX years old XXXX XXXX, XXXX, XXXX XXXX XXXX A XXXX XXXX XXXX Credit line was opened without our being being aware XXXX XXXX Contract Number XXXX Purchased XX/XX/XXXX To XXXX XXXX A XXXX XXXX account was opened for us without our knowledge. We have learned this happened to another family in Tennessee as reported on the news.
XXXX XXXX XXXX Sales agents in XXXX : XXXX XXXX was highly aggressive XXXX XXXX We purchased XXXX XXXX points in XXXX but were told it would not cost anything is we charged things to the Barclay credit card they issued. We have learned this only pays pennies on the dollar. They said we did not have to pay anything until we got our statement. Somewhere they said they charged us {$2000.00} on a credit card they issued. XXXX points for {$14000.00} was charged to the Barclaycards. I didnt know what we bought. They just said if we charged things using the Barclay credit card, then it would be all be free because we would not have to pay anything. You would pay for the purchase by using the credit card. We were there from morning until about XXXX XXXX in the afternn0on.
{$5500.00} was put on a Barclaycard in XXXX name {$9300.00} was put on a Barclaycard in XXXX name {$7300.00} Promotional purchase {$2000.00} Promotional purchase {$30.00} Promotional purchase We then received a Welcome to XXXX XXXX credit and thank you for an account on XX/XX/XXXXwhich I had no idea had been opened.
I cancelled the credit card shortly after the transaction XX/XX/XXXX, but I learnedXX/XX/XXXX that Barclays says I need to pay the credit card charges.
We were not even aware that the Barclay cards had been opened until we returned home. They ran our credit on our personal card and came back and said we had great credit. Without our knowledge two Barclaycards were opened.
We owe XX/XX/XXXX maintenance fee to XXXX {$53.00} I have always paid my bills until this nightmare. I have sciatic nerve problems and I dont know what to do. I am not sleeping and dont know where to turn. I am working just to make money to try to end this.
This is Elder abuse and Elder fraud.
There was no time to read anything.
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| 11/29/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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On or about XX/XX/XXXX someone hacked into my XXXX account and posted XXXX seller listings that generated over {$5000.00} in sellers insertion fees. XXXX recognized the fraud and credited all but {$660.00} in fees to my account for this fraudulent activity. Despite repeatedly asking for the {$660.00} to be credited back to my XXXX account, XXXX failed to do so and an agent at XXXX told me on the phone to just file a dispute with my credit card company reporting the identity theft and fraud, and it should be no problem in getting credited back the funds. On XX/XX/XXXX the {$660.00} charge appeared on my statement and I immediately contacted Barclays to dispute it on the basis of identity theft and fraud. At that time a temporary credit was issued and I received a letter confirming account closure due to suspicious activity. I received no further correspondence from Barclays until on or about XX/XX/, when I received a letter dated XX/XX/XXXX stating that the matter had been resolved in my favor : ... '' after conducting our investigation, we have determined that you are NOT [ emphasis added ] responsible for the reported fraudulent activity ... '' Notwithstanding that, on XX/XX/XXXX I was shocked and chagrined to find that despite the foregoing, my Barclays credit card was again charged the very {$660.00} that I was told I was not responsible for! I called Barclays customer service on XX/XX/XXXX to see if such an obvious mistake could be immediately rectified, but the representative simply stated she would re-open the dispute and assigned me a case number. She requested I fax a copy of the very letter dated XX/XX/XXXX that exonerated me, ( which clearly Barclays should have already had as they authored it ) along with information about law enforcement agencies I had reported the matter to. There was no immediate resolution in my favor as I had expected given the letter I had received. However, in the spirit of cooperation, I did provide fax to Barclays the requested information that same evening on XX/XX/XXXX and also followed up with a copy of the same correspondence by U.S. mail with a tracking number.
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| 07/15/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I had a dispute for the {$270.00} transaction from XXXX XXXX XXXX XXXX XXXX as they charged me twice, and I filed the dispute on XX/XX/XXXX . Barclaycard forwarded my dispute to the merchant, and the merchant responded on XX/XX/XXXX . Barclaycard forwarded their response to me and said " if you disagree with the merchant 's response and would like to reassert your claim, please send an updated signed and dated letter that addresses all of the points in the merchant 's response within 10 days of receipt of this letter ''. I followed their instruction and filed a rebuttal on XX/XX/XXXX to " address all of the points in the merchants response '' one by one and I have the witness ( See attachment ). Unfortunately, Barclaycard refused to forward my rebuttal to the merchant, and also refused to further assist me or pursue credit on my behalf. Barclaycard 's argument is wrong, and i am not even sure if Barclaycrd have read my letters which address their issues already : 1. " When the merchant was contacted they gave an estimate for the service that is to be rendered ''. Partially true. The estimate was {$390.00} for the service of 4 hours on XX/XX/XXXX , but the service was unable to be completed as the movers went to the wrong address at the first place, and the driver refused to drive down the alley as " it was too dark ''. I did not dispute the charge of {$390.00}, and since it was an estimate, I could accept the final charge a little bit higher as I am reasonable. But I can not accept a separate charge of {$270.00} for the service rendered on the following day of XX/XX/XXXX for the service that had not been completed the previous day of XX/XX/XXXX due to the movers fault.
2. " Until the full service is provided would they be able to bill for the exact amount of the cost ''. Not true. On XX/XX/XXXX , the movers insisted on my paying {$290.00} ( the remainder of the charge of {$390.00} ) and signing off even though they were not going to unload, and on XX/XX/XXXX they refused to unload unless and until after I paid {$270.00} and signed off first saying " that 's the company 's policy ''.
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| 10/12/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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XX/XX/18 Barclays Bank XXXX XXXX XXXX C/O Office of the President XXXX, DE XXXX Att : XXXX XXXX Executive Re : XXXX XXXX DOB : XX/XX/XXXX SS # XXXX XXXX XXXX Dear Mr. XXXX, I am writing in reference to a problem that I have been having with Barclays since XX/XX/2018 and still has not been resolved.
I had a XXXX Credit Card account with was serviced by Barclays. The servicing was sold to XXXX XXXXXXXX XXXX which I was unaware of. I made an on-line payment on XX/XX/18 for {$100.00} to Barclays from my XXXX XXXX account which should have been sent to XXXX XXXX XXXX.
I have been trying since XXXX to have Barclays reimburse me for the {$100.00} or at least forward the payment to the correct bank. A XXXX XXXX agent and I have called Barclays Bank many, many times to get this resolved. XXXX XXXX sent proof of payment numerous times. We have spoken to staff and Managers at Barclays Bank named : XXXX, XXXX, XXXX, XXXX, XXXX and countless others who have acknowledged receipt of the payment.
I was promised by them that I would have a credit within 2 days ( that was back in XXXX ). I called again on XX/XX/XXXX and then I was told that it takes 90 days to process the refund. The 90 days was up on XX/XX/18. I called on XX/XX/XXXX and spoke to XXXX who advised me that we need to send proof of payment AGAIN to the Research Department. As previously mentioned, this was sent by XXXX XXXX numerous times and receipt has already been acknowledged by Barclays.
This is the most frustrating experience I have ever had with any bank. I keep getting the run around from all the staff members. XXXX has attempted to be helpful, but could not explain why we have to sending proof of payment again and again with no results. I just keep receiving empty promises for a refund.
I also sent a letter to Barclays on XX/XX/18 and to date have not even hard the courtesy of a response.
I am pleading with you to please have someone in Management look into this situation and have it resolved once and for all.
I look forward to hearing from you and appreciate your assistance, Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, N.Y. XXXX XXXX XXXX
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| 02/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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On XX/XX/XXXX, my card was charged {$190.00} by XXXX XXXX, which we came to find out was some supplement company in Georgia with hundreds of complaints against them. There was another charge for {$49.00} the same day by the same company. And one more charge for {$190.00} ( again ) same day, same company. We were not aware of the charges until some unordered product ( a small bottle of pills - we think ) showed up at our door about a week letter and then saw the fraudulent charges on my card. I immediately contacted Barclays to make a fraud claim. We also returned the package to the sender unopened.
Barclays apparently did nothing and at the end of XX/XX/XXXX, there were 4 additional charges on the same card for " XXXX XXXX XXXX - three of these charges were for the same amount {$53.00} on XX/XX/XXXX, XXXX ( same day ) and XX/XX/XXXX. XXXX charge was for {$130.00} on XX/XX/XXXX. I called Barclays again, state that these charges were incorrect or fraud, and asked that they do something about it. About a week later we got a letter saying that the charges were legitimate because the vendor said they sent us product. I again contacted Barclys to explain that we dod not order the product and returned it immediately. I also asked for the disposition of the other obviously fraudulent repeat charges to XXXX XXXX and ask them why they dis not cancel the card immediately after the first fraud report in early XXXX. They had no answer.
I again went through all the transactions with them on file and explained which ones were fraudulent and which ones legitimate. They said they would start another investigation. Today I received a letter from Barclays 's saying that they couldn't resolve this for some reason. I also see a variety of credits and charges on my account since I stopped using the card over a month ago. I have not activated the new card they sent me because of all of these problems.
I have tried to resolve this on my own with Barclays to no avail. Last time I spoke with them I said that I would file a complaint with the CFPB if this didn't get resolved soon. Seems like they dont care about that either.
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| 01/10/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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I have received an email promotion from XXXX about a credit card that can give few benefits with XXXX XXXX, this card is issued by Barlays bank. more details XXXX XXXX XXXX. Considering the benefits I have decided to apply for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX and same was approved. I have paid my annual fees of XXXXusd for the same Post the card approval and received i did booked the tickets using the card for international travel one one the travel was on XX/XX/XXXX from XXXX XXXX XXXX and return on XX/XX/XXXX.
One of the key point ( first main point ) that made me to apply for this card was " - As a primary XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX holder, you will enjoy XXXX tier status for 12 months from the card account open date. '' considering the above statement, i should be getting XXXX tier benefits starting XX/XX/XXXX However later, I realized that for my travel on XX/XX/XXXX i am not able to get those benefits even though the card is open 6-7 weeks earlier. when i reached the bank and XXXX both points me to another point in that page listed way below " The XXXX tier status can take up to 8 weeks from the card account opening date to be reflected. '' I made clear to both that status reflecting is deferent from enjoying the benefits. if this is same your first statement of Opening date is misleading and kid of cheating customers to apply and pay card fees with out giving them benefits for 12 months. Its been almost 2 week no one want to take ownership of this issue leading my frustration.
Later on XX/XX/XXXX XXXX XXXX in a email said below *To clarify the miles are credited by the bank, and the status is also updated by them. I do see some of miles credited to your family group, we have no access to your card spend so we rely on the bank to add the miles.
As for the Tier upgrade, we have not received a request from the bank, we will not be able to assist unless the bank contacts us. I do understand it may show on your statement but for us, it is the bank who should make this request. * When talked to bank they are saying they cant do any thing it is with XXXX
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| 03/26/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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I signed up for the XXXX XXXX from Barclays Bank. The card included an introductory offer of XXXX XXXX XXXX points awarded after a purchase has been made within 90 days and the annual fee has been paid. The terms stated that the award would be posted '' after making your first purchase in the first 90 days and paying the annual fee. '' I made a qualifying purchase within the first 90 days ( on XX/XX/19 ), and paid the annual fee ( as reflected by the zero balance in the XXXX statement ), but the company has refused to honor the rewards offer, stating on the phone that the terms say that the annual fee must be paid within 90 days, and was only paid after that time. However, the terms clearly differentiate between the initial purchase which must be made within the first 90 days, and the annual fee upon which no required time-frame is specified. While initially, customer service representatives from Barclays denied my request for them to approve the claim, ultimately on XX/XX/XXXX, XXXX supervisor did approve the request, stating that many customers have been calling in regarding the issue of ambiguous terms in the reward offer, and that Barclays has decided to honor these request. The representative was quite clear that the points would be reinstated, only adding that it may take one billing cycle for the points to appear. However, I subsequently received a letter from Barclays stating simply that " we are currently unable to assist you with your rewards issue. '' Upon calling customer service, I was informed that the company was denying the request. There was no record of the approval from the supervisor in the conversation on XX/XX/XXXX, although the representative did acknowledge that there was a call at that time and that all calls are recorded. I subsequently initiated another inquiry on XX/XX/XXXX, this time asking that the details of the case be notated - including the conversation with the supervisor on XX/XX/XXXX. I have recently received another communication from Barclays, again stating that " we are currently unable to assist you with your rewards issue, '' with no further explanation given.
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| 04/30/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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I wanted to close my AAdvantage Aviator red master ( through Barcays company ). I called XX/XX/XXXX. I said I want to close my card, and could I have the balanace so I can pay it all off. I was told my balance was {$110.00}. I was told I had to call a different number to close the account, and I would need my checking account routing number so I could send in the payment ASAP. I went home ( I called from work ) I called back with my check routing number, I gave it and gave permission to send {$110.00} in to company. I then closed my card that same night. The amount was withdrawn from my checking XX/XX/XXXX. I got a letter in the mail, about a week or week & half later ( dated XX/XX/XXXX ) saying " as requested we closed your AAdvantage aviator red world master cardXX/XX/XXXX account. The balance on your account as of XX/XX/XXXX is {$210.00}. '' I was shocked. I called customer service ans spoke to 2 different people. One explained when I called on XX/XX/XXXX I was only given the XX/XX/XXXX balance. I asked " why would you only give me XX/XX/XXXX balance when I was trying to close my card. I explained it was their mistake, and they said no it wasn't their fault and I only asked for XX/XX/XXXX balance ... .which I know isn't true. Nothing got resolved from that phone call. I then sent in a payment of XXXX for the remainder of the XXXX. It was withdrawn XX/XX/XXXX. So i thought I was done and paid my balance. Since then I have gotten 2 more bills for late fees that have incurred since my first XX/XX/XXXX attempt to close this account. I get phone calls from them sometimes 2x a day asking me to call them about my balance. My XX/XX/XXXX statement was for {$110.00} with a {$41.00} interest/late fee. I got a bill XX/XX/XXXX for {$150.00} with a {$39.00} late interest fee. my XX/XX/XXXX statement was {$44.00} where I had a {$1.00} interest charge but no late fee. I did just get an XX/XX/XXXX statement for {$73.00} with {$28.00} late/interest fees. I feel if I called XX/XX/XXXX, and they had given me my entire amount THEN, I would have paid off the balance in FULL, and not have gotten all of these late fees.
|
| 04/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Older American |
|
My XXXX XXXX Barclays XXXX Credit Card account ( Last Four Digits - XXXX / Expiration Date XX/XX/XXXX ) was closed for lack of use back in XXXX. The account was closed without Barclays providing notice to me that I needed to utilize the credit card or the account would be closed.
I appealed the decision via a Consumer Financial Protection Bureau complaint in XXXX and XXXX XXXX XXXX from Barclays investigated my complaint and found that my XXXX XXXXe Barclays XXXX Credit Card account should be reopened ( see submitted letter dated XX/XX/XXXX ). Unfortunately, even though the XX/XX/XXXX letter from XXXX XXXX noted that my credit card account was reopened, when I attempted to utilize my card within the window provided the card was continuously declined at a number of different merchants. I left several phone messages to XXXX XXXX regarding this issue ( as directed in her XX/XX/XXXX correspondence ) ; however, my credit card account was never reopened as promised and therefore I was never able to utilize my XXXX XXXX Barclays XXXX Credit Card.
I then submitted another complaint to the Consumer Financial Protection Bureau regarding the fact that my World Elite Barclays XXXX Credit Card was not usable as promised. XXXX XXXX XXXX from Barclays once again investigated my complaint and found that my XXXX XXXX Barclays XXXX Credit Card account should be reopened ( see submitted letter dated XX/XX/XXXX ). Unfortunately, once again, even though the XX/XX/XXXX letter from XXXX XXXX noted that my credit card account was reopened, when I attempted to utilize my card within the window provided the card was once again declined a number of times. I once again left a voice mail for XXXX XXXX regarding this issue ( as directed in her XX/XX/XXXX correspondence ) ; however, my credit card account was never reopened as promised, XXXX XXXX once again never returned my call and therefore I still unable to utilize my XXXX XXXX Barclays XXXX Credit Card.
I would like to be able to utilize my XXXX XXXX Barclays FXXXX Credit Card once again as noted in both letters from XXXX XXXX at Barclays.
Thank you, XXXX XXXX. XXXX
|
| 09/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
Servicemember |
|
On or about XX/XX/XXXX, I applied for a Barclays Bank USA credit card. I currently have one Barclays credit card that I have had for approximately 9 years without any issues whatsoever. This card was opened using the exact same address and personal identification as the one I applied for on XX/XX/XXXX.
Shortly after submitting my application, Barclays mailed me a letter asking for a copy of my driver license, Social Security card and proof of address. Since I am currently with my husband who is on XXXX XXXX with the XXXX XXXX XXXX, I tried to get a fax number to which I could send the requested documents. After an extraordinarily difficult attempt, I was finally given a fax number and I promptly faxed all the documents requested. Well after successfully faxing the documents, I received yet another letter requesting the same documents. I faxed them successfully yet again.
On or about XX/XX/XXXX, I received yet another letter from Barclays that contained my application ID # XXXX and stated I needed to call to help them verify information on my application.
I recently had major XXXX XXXX and am currently XXXX. The letter from Barclays specifically stated a TTY number that could be used for those with XXXX issues. I used the XXXX XXXX XXXX service to call the number Barclays listed and the number is broke. The number when answered demands a credit cad number, but this is not abut an existing account. After not entering a credit card number, the system then offers ONLY two other options : 1 ) Report a lost or stolen card. Since this issue in no way pertains to a lost or stolen card, I could not select that. The only other option available is 2 ) Check the status of a current application. Selecting that option only states that their automated system can not provide a status update and says I must check online or wait for a letter in the mail. It then promptly hangs up.
I called the other number listed on the Barclays letter that is not a TTY number. Since I am not able to speak, my husband spoke with the representative and they basically stated I needed to call them myself after my XXXX passes.
|
| 01/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
Barclays called me to make a payment on my account. The minimal amount was XXXX dollars. I paid XXXX dollars. While I was on the phone with Barclays I saw online my credit card statement was being altered making the minimal to XXXX .Then Barclays charges me XXXX dollars for not making this minimal payment. In addition, Barclays lowers all of my credit lines on all three accounts preventing me form making additional purchases. One account were opened on XX/XX/XXXX with a credit line of XXXX, XXXX dollars. on account ending in XXXX. Barclays lowers to XXXX, XXXX. The second account was opened on XX/XX/XXXX ending in XXXX for XXXX dollars. Barclays lowers to XXXX dollars. Third account opened in XXXX ending in XXXX for XXXX dollars. Barclays lowers to XXXX dollars. This was done to punish me for doing business with them all these years. This was done all at the same time. Barclays charges fees at will. The most shameful part of this whole experience is that Barclays have been doing this to other clients and to their own employees. These employees have told me that they are afraid to speak up for fear of losing their jobs. They go on to say '' We have seen our colleagues purposely change our clients credit card statements just to make them pay more. '' If they like you. They leave you alone. If they don't like you, they punish you.. Lowering these credit lines has maxed out these cards and thus lowering my credit score. As these employees have said. : '' Barclays plays games with our clients credit card statements. You are not the only one who has been hurt by Barclays!!!. '' Please keep in mind that Barclays has been sued before on this. Barclays refuses to correct the credit damage they have caused., Barclays has preventing me to seek additional credit with other creditors because of Barclays negative remarks on my credit file. Barclays has also taken away the benefits associated with these accounts, Barclays refuses to give you bonus points on the purchases I made. Barclays destroyed my Jet Blue Account on account XXXX by taking away my skyway miles and preventing me to purchase air line tickets.,
|
| 06/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
Hi!
Since I travel overseas a lot for my own safety I requested to have the paper statement sent to my address indicated on the card application which is also my residence/business address.
I have called the Barclays USA twice. On the first approach I was told that despite my credit cards #, the card can not be located and that is the " glitch ''.
When I was transferred to the supervisor I was then told that the credit card # is not enough and it has to be accompanies with variety of other info in order to pull out the info on the card. When I asked why since the each individual card has a distinct phone number and that alone should be sufficient to locate a customer I was then subsequently and without warning disconnected.
On the second approach I again verified all the info on the account and I was informed that the account can not be located. When transferred to the account supervisor I was told that the CSR will not help me but he can help me get an online access so I can do it ... ... .myself. Mind you all I am asking for is to receive a paper statement, only..
I believe that this situation is also racially motivated as the manner of behavior of the CSRs listed fits standard racial stereotypes which are neither professional or respectful to the degree where the customer service function is not provided and the lack of thereof is blamed on the customer.
So in other words can the Barclays USA be kind enough to send me a paper statement since its online system is not functioning due to " glitch. '' I also hope that this situation will help Barclays USA to institute a basic elements of customer care which would require a minimal customer service standards which need to be met : i.e. please respect the customers that give you business. Or perhaps since the bank has received a XXXX XXXX bailouts it now thinks that the institution is run for the benefits of its employees ( shareholders were already screwed so they don't matter ) and not customers. I hope this also helps the bank to rethink its US side corporate structure that allows this pathology to persist.
Sincerely, XXXX XXXX XXXX XXXX
|
| 08/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Since XX/XX/XXXX, my jetblue barclaycard credit card has been set to autopay the full credit card statement from my ally checking account, as with all my credit cards.
For the months of XXXX and XXXX no purchases were made from said card.
On XX/XX/XXXX an initial purchase of XXXX was made. This appeared on the XXXX statement with an auto pay date of XX/XX/XXXX.
A purchase of XXXX was made at XXXX XXXX on XX/XX/XXXX. This was my total XX/XX/XXXX statement with a due date of XX/XX/XXXX.
On XX/XX/XXXX the payment was attempted but failed to withdraw from my XXXX checking account due to an unable to locate account error.
On the Statement printed XX/XX/XXXX due XX/XX/XXXX, the payment is listed as successful and is not included in the statement balance.
On XX/XX/XXXX XXXX was successfully deducted from my XXXX XXXX account, this did not, but should have included the XXXX that had failed the previous month.
On XX/XX/XXXX Barclays reported a XXXX delinquent trade to the credit bureaus.
On XX/XX/XXXX Barclays successfully deducted XXXX from my XXXX XXXX account.
After attempting to obtain pre-approval for a home loan I was notified my credit rating was XXXX, this is a stark contrast to when I applied for pre-approval with a different lender in XXXX and my rating was XXXX.
On XX/XX/XXXX I called Barclays which acknowledged the mistake and instructed I contact the FCRA, provide them documentation to retract the delinquent account report. This complaint ensued as the CFPB is now accepting FCRA complaints.
Barclays prematurely reported a delinquent trade for a charge that should have been deducted on XX/XX/XXXX within the 90 day timeframe, additionally Barclay 's failed to contact me prior to reporting the delinquent account before reporting it to the credit bureaus.
This caused my credit rating to seriously decrease just when I am attempting to get a home loan, causing serious harm to my prospects of being able to get a loan with reasonable rates. Prior to this action by barclays my rating was a XXXX, my new rating is a XXXX. This is the first delinquent report in my credit history.
|
| 08/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
On XX/XX/2019 I went to make a reservation at the XXXX XXXX XXXX XXXX, South Dakota hotel for four nights, XXXX XXXX. As I was making the reservation on the website a $XXXX discount promotion was offered if I opened up a Barclay's Wyndham Visa Credit Card. The webpage even showed the subtracting the $XXXX from my total for the reservation: $XXXX- $XXXX= $XXXX. So I jumped on it and was approved. When I received the approval email came later that XXXX XXXX day, nothing was mentioned about the $XXXX promotion or any promotion for that matter. Right after I checked out using the Barclay's Wyndham credit card, I contacted Barclay's to inquire about the $XXXX promotional discount. The woman at first said it was only a $XXXX credit promotion then she looked on the XXXX XXXX website and said, "I found it." Just as I said, "Ok great" she put me on hold for quite a few minutes. Then she came back on and said it was now "only for $XXXX." I told her that was unacceptable. Fortunately, the call was recorded on her end. I received a generic letter from Barclay's on XX/XX/2019 that did not even address the issue and said if I have any concerns to contact Barclay's. On my first statement, I was only given a $XXXX credit. I called two more times to complain about not getting the $XXXX promotional discount and the customer service is in the XXXX. I don't appreciate the "bait and switch" tactics. I never heard of nor read or saw a $XXXX promotion. Every time I call Barclay's they want "proof" of the $XXXX discount promotion but they don't provide proof of the $XXXX promo in their email to me or their website. Knowing what I know now I should have taken a photo of the screen when I applied for the Barclay's Wyndham credit card. I would have never applied for another credit card for just a $XXXX promo. I have three major credit cards and several store credit cards. I don't need more credit cards. I just took out a consolidation loan to pay off my credit card debt. I maintain Barclay's pulled a "bait and switch" promotion. They should be held accountable and fined accordingly and I should get the full $XXXX off.
|
| 04/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
Back in XX/XX/XXXX. I was solicited by Barclays for a choice privileges credit card .that promised XXXX points. IF you spent {$1000.00} in the first 90 days .so I asked if I used them for a balance transfer would that qualify as well and they told me YES .we can do a balance transfer and you will definitely quality for the rewards points. I asked several different representatives because I wanted to be sure I was receiving correct info. So I applied and received the card waited about 30 days to check on my rewards points becoming available and when I called to enquire I was told your points are not available YET usually takes about 45 days no worries your post will be processed soon .waited another 30 days still no rewards called again was told exactly the same thing it takes time to be processed. Finally I called back after about 75 days later and was told we're sorry that card doesn't qualify for the points INLY if you spend {$1000.00} in next few days can you revive it .which was impossible cus they had given me a {$1500.00} limit .I was so discussed IF had been told you can only recieve the points by purchased ..then I would have done it that way and made the purchases to get the points .now I have received no points plus been CHARGED {$70.00} transaction fee for the balance transfer .I understand sometimes representatives know more than others .but I was told repeatedly the card I was applying for would qualify me plus I was misled when I called to enquire .this just isn't a legit way to do biz or treat your customers I'm still furious it's been months they could have at least waved the bogus fees they charged me .I have spoken to a few managers and I have a case number but no one has offered me ANY kind of fair conclusion.they need to train their reps better .I feel completely ripped off and lied too the mangers leave a message when they are unable to get in touch with you but they never call you back and follow up - when I call I get put on hold you can't win with these croocks live and learn I guess I wasn't expecting this from a reputable credit card company I'm extremely dissatisfied
|
| 10/27/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
Statement dated XX/XX/23 had a balance of {$5100.00} due on XX/XX/23. That statement covered the period XXXX. Before the due date, I made two additional purchases in amount of {$640.00}, which were also paid the same day. I paid off the card in full ( statement balance plus the {$640.00} additional purchases ) on XX/XX/23 and my account reflected a {$0.00}. I then locked my card. I had to make an emergency purchase today ( XX/XX/23 ) and was initially declined and realized I had my card locked, so when I logged on to unlock my card I see a balance of {$83.00} and was confused. I look and see that despite my card being paid in full within the grace period, Barclays was now assessing me interest charges. I have never been assessed charges if balance paid in full or if paid over the minimum balance due ( please refer to prior months statements I am attaching.
Also according to their own policy in my statement about interest : " Accrual of Interest and How to Avoid Paying Interest on Purchases. Your due date is at least 23 days after the close of each billing cycle. On Purchases, interest begins to accrue as of the transaction date. However, you can avoid paying interest if you pay your Purchases subject to interest ( excluding XXXX XXXX Offers ) plus any monthly XXXX XXXX Payment Amount in full by the Payment Due Date every month '' They specifically state you can avoid interest if you pay your Purchases in full by Payment Due date. Which I did.
I am not disputing any month where I was assessed interest and carried a balance ( See XXXX I was assessed {$67.00}, but I also had carried a balance over so that is fine ). I am disputing as I paid in full before due date so was within grace period. And as you can see in prior months I was also not assessed interest even when carrying a balance over. I want the interest reversed as account balance was paid off well within the grace period. They are using deceptive practices and don't even follow a consistent pattern when interest could have been assessed legitimately.
Consumers need to be aware of these shady practices by financial institutions.
|
| 02/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
To whom it may concerns My name is XXXX XXXX resides at XXXX XXXX XXXX XXXX XXXX CA XXXX. I received several fraud alerts ( XXXX, XXXX XXXX ) and bills from several creditors ( XXXX, XXXX XXXX Barclays, ) regarding past due amounts in XX/XX/XXXX. That was I found out that my identity was stolen. I contacted 3 credit bureaus to freeze the checking and applying new credits and contacted all creditors.
I own a residence home for XXXX years and several properties in rentals for more than 10 years, my income is $ XXXX. I would not do anything to jeopardize my credits. I live in the house with my wife XXXX XXXX, a XXXX old son and elderly parents ( XXXX and XXXX ). To find out who use my identity, you should follow these leads : XXXX ) To purchase the thieves must have the physical credit cards. Where did they get the cards from? Where were the cards sent to ( address )?
I did some research and discovered : I live in XXXX CA, outside of XXXX, but on the attachment letter, I see the XXXX # XXXX located in XXXX Alaska, which you can easily obtain by calling any XXXX store and ask location of store number # XXXX ( I randomly called XXXX of the stores and asked for # XXXX ). I then called this tore to verify if it is # XXXX For XXXX, since this is a large amount, you should initial the joint investigation with XXXX by looking at the XXXX XXXX, or receipts etc.
XXXX ) For XXXX stores # XXXX and # XXXX, they are actually XXXX gas XXXX ( XXXX bought XXXX XXXX XXXX in XXXX ). I called the XXXX corporate ( XXXX ) and obtained XXXX XXXX addresses as following : Store # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX : XXXX XXXX XXXX at XXXX XXXX XXXX XXXX PA For XXXX XXXX XXXX, the stores mainly are concentrated in California, are the most are in XXXX XXXX XXXX XXXX I am not able to locate, because there is no location #.
By doing some investigation, you easily find out some inconsistences here. I attached here XXXX solution after they found out that I am living in XXXX CA, but the purchase was in LA area by looking at the store number, and the phone number never been dialed in a month.
|
| 11/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Thank you all for taking my complaint! From day 1 I have had nothing but problems from Barclays Bank, and their AAdvantage Aviator XXXX XXXX XXXX XXXX. Mind you they solicited me during my first class flight on XX/XX/2022. I was approved for {$3500.00}, and I was offered : 0 % intro annual percentage for 15 months on balance transfers made within 45 days of account opening.
{$0.00} introductory annual fee the first year, after that {$99.00} When I tried to request a balance transfer after approval, they tried to drag it out past the 45 days so they did not have to honor the promotion. I had to contact them constantly regarding the balance transfer offer. I had to escalate to a manager. I finally received the balance transfer.
Now they have started charging me erroneous insufficient funds fees. When I schedule a payment, they try to draft the funds before the scheduled date, then they retry on the scheduled date. I have funds in the account, however my Credit Union s not going to release the funds until the scheduled date. Tw billing cycles have passed, and they have charged me two insufficient fund fees. In my opinion they are doing this to recoup the {$99.00} annual card fee, which was waived under this alleged promotion. In my opinion they are charging me these erroneous fees, because they can not collect interest from due to this alleged promotion. Ever since I rang the alarm on the erroneous insufficient fund fees, they refuse to speak to me. When I chat they tell me to call in. When I call in they leave me holding for an alleged supervisor ; Or Manager. I am paying my bill, I am paying my bill before the due date. In my opinion Barclay Bank, and AAdvantage AviatoXXXX XXXX XXXX XXXX XXXX are committing fraud on my account! In my opinion Barclay Bank, and AAdvantage Aviator XXXX XXXX XXXX XXXX are stealing money from me! Please help me stop Barclay Bank, and AAdvantage Aviator XXXX XXXX XXXX XXXX are committing fraud on my account from the illegal activities they are committing against my account. They are ruining my credit with these erroneous insufficient fund fees. Please help me!
|
| 11/29/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I had a $ XXXX XXXX newspaper subscription, that I ended in XXXX, drawing from my Barclaycard Rewards Mastercard. I had auto-pay set up, such that any bills to my credit card should have been automatically paid for from my debit card account at Oregon XXXX XXXX XXXX XXXX as had happened for over a year. This did not happen starting in XXXX, and the {$4.00} subscription cost snowballed into a {$90.00} credit card balance, due to late fees, which I only realized when I was sent a notice in XXXX that my account was being closed. A {$4.00} late fee was charged XX/XX/XXXX, {$12.00} late fee charged XX/XX/XXXX, {$25.00} late fee charged XX/XX/XXXX, and a {$40.00} late fee charged XX/XX/XXXX, in addition to {$0.00} " minimum charges '' each month starting in XXXX. I spoke to a Barclays customer service agent ( XX/XX/XXXX ). He told me that Barclays had made some kind of systems change, in XXXX I think, that resulted in a number of customers being taken off of auto-pay without their knowing, and with Barclays unable XXXX tell who had had auto-pay. He acknowledged that it was not my fault and thus removed all the late fees. I pressed him to remove the interest charged as well, which he said he did, such that I would have a XXXX balance after paying {$8.00} for the newspaper subscription ( now I'm not sure why I should have payed more that the {$4.00} for the XXXX newspaper subscription ). He told me he couldn't do anything about the lateness having already been reported to the credit bureau, but gave me their address for me to mail a complaint to. When I logged in Monday XX/XX/XXXX, it appeared I still owed {$90.00} due in XXXX, and also that I had a balance of {$2.00} due now. I called back and they said I know longer owed the {$90.00} but did owe {$2.00}, which they removed on account of that being from interest that shouldn't have been charged. They said they could NOT re-open my account without me reapplying. My complaint is on behalf of all the other auto-pay subscribers who were taken off auto-pay and charged late fees, and because I'm concerned about how this may continue to affect my credit.
|
| 09/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
XXXX : Every time I dispute something they lower my score, while the others raise it. They have incorrectly disputed items and companies I did not select ; and they're the only one of the three. They dont take my card holder status on a XXXX Barclays account into the utilization ratios, and theyre dinging me for old bad debt that was charged off and sold to unscrupulous collection agencies that were found at fault and removed quite some time ago from all three reporting agencies. Their reporting patterns are arbitrary and inconsistent. They are clearly blacklisting me ... theyre the only company I can not contact easily and say this or that doesnt add up, and if correct, have it adjusted.
And XXXX ... theyre application system dropped my application twice, they admitted, dinged me with hard inquiries, denied me credit, and then refused to remove the erroneous inquiries due to the i system failures.
Barclays, I called them and their collection department several times, and could NEVER get a call back, when I did reach a person, they would it accept money from me to settle the account ; they passed me off to another department that sent me back to the original department I came from, and then was rendered back into automated XXXX, left yet another message for the account manager, which never gets returned. But yet, they suddenly updated my report for 20 some odd months of Charge Off status when there wasnt any updates over those months and then plummeted my score again.
What is wrong with these people? It takes a certain type to ruin people ; to be in a role to make everyone as whole as possible, yet behave in ways that are contrary to the espoused theories.
Im beyond frustrated with XXXX, XXXX, and Barclays. I have absolutely NO recourse other than to suffer, or spend all my time, far more than the countless hours I already have, to keep calling, using online forms and writing, in hopes of finally reaching a bright and intelligent individual capable of reading and applying logic, able to feel and reach within the human aspects of the self, and ALSO has a modicum of clout. Good. Luck.
|
| 12/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XX/XX/2021 To Whom It May Concern : I submitted a claim against a company that XXXX me XXXX and XXXX my XXXX and the images sent were horrific. I expected my card company to stand by me and not allow fraudulent companies to profit and most certainly not profit during a pandemic while acting in bad service.
I filed a dispute against XXXX for XXXX and XXXX my XXXX horrifically and not doing the procedure accurately for XXXX XXXX. I was not contacted for a follow-up or picture request. I've had to spend {$2000.00} fixing my XXXX using my Barclaycard and XXXX XXXX. with XXXX XXXX. Is Barclay here to support the cardholder or bad companies who break customer choice and did not do a professional job and did not take any steps to rectify their mistake on my XXXX. I have called Barclay and sent a letter to disputes. The letter I received in the mail stated the cancellation agreement was broken and that was a LIE. I am disappointed and disgusted by Barclay 's handling of this. I have during the pandemic worked my XXXX off cleaning houses and making sure I keep my payments up to date and on time in large payments. I request via mail as well as the online message that this case be re-opened and re-addressed. The fee of {$240.00} be removed by my card company WILL NOT pay that company a dime. I went in person with a XXXX and XXXX XXXX from their chemical mixture and the trauma I experienced is horrific and as bad as slavery if I am forced to pay this. I WILL NOT PAY THAT {$240.00} amount against that company and Barclay should be fighting for me. There was no missed appointment and they lied! I had hoped and still do that you will support me and uplift me as XXXX women all too often do not receive support nor do companies who purposefully abuse any customer get away with it. Please do not allow me to foot the bill for someone who did not safely administer nor did they when I came back in person give any options to remedy their bad actions. I had to go to another doctor with whom I have XXXX more appointments and have him repair my XXXX. Please stand by me.
Thank you, XXXX XXXX Card ending XXXX
|
| 10/27/2023 |
Yes |
- Credit card
- Store credit card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
|
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In XX/XX/2023, I received a letter in the mail from Barclay 's ( dated XX/XX/2023 ) thanking me for my recent application for the Navyist Rewards Credit Card. They further determined that additional information was needed to process my application and requested that I send a copy of my DL, SS card and utility bill and bank statement. I did not send this information as I did not try to apply for the Navyist Rewards Credit Card. This was fraudulent activity.
On XX/XX/2023, I was working with a recovery specialist and we called Barclay 's together. Barclay 's stated that someone tried to open this account using my information and that this was a credit card for Old Navy. They stated they would send the fraudulent activity notice to XXXX to have it removed from my credit report. It is still listed on my XXXX credit report that this is a valid inquiry : " Regular Inquiries are posted when someone accesses your credit information from XXXX ''.
On XX/XX/2023, I was working with a recovery specialist and we again called Barclay 's together. Barclay 's again stated that they would send the fraudulent activity notice to XXXX to have it removed from my credit report. This time they mentioned that they would send me a letter in the mail in 7-10 business days verifying that it had been removed from my credit report. I never received the letter and it is still listed on my XXXX credit report that this is a valid inquiry : " Regular Inquiries are posted when someone accesses your credit information from XXXX ''.
On XX/XX/2023, I was working with a recovery specialist and we again called Barclay 's together. After many transfers to different departments, phone numbers and people who could not find the application, it was finally found. We had been on the phone for over an hour at this point. This time they mentioned that they would send me a letter in the mail in 7-10 business days verifying that it had been removed from my credit report. As I did not receive a letter after my phone call in XXXX, I am not confident that I will receive a letter this time, therefore I am reporting this to the CFPB.
|
| 09/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
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I received this card earlier in the year and have used it heavily because it gives me airline miles for my purchases. I have never been late on my bill and Ive actually paid off the full statement balance every time I have use the card. And roughly 6 weeks ago I received a letter from Barclays saying that my account was under investigation. They requested a copy of my transcripts from the IRS. Ive had some problems with a previous accountant who had my XXXX and XXXX taxes in complete disarray. It took me some time to get my taxes filed so transcripts would be available. Barclays did not have anybody available to have a conversation or to consult with about this investigation. I called and spoke to somebody three times holding for an hour to an hour and a half each time. Every time I called in they really couldnt tell me anything other than to get the information that the bank was requesting in. I was never even told why my account was being investigated. I protested the cancellation and sent a letter to the Office of the president at Barclays including the transcripts that they requested. I did speak to a very nice lady but she told me that a decision has been made already and there was nothing they could do to reverse it. As a result this shows up negatively on my credit report. I take my credit very seriously and I find it troublesome when negative information has to appear on my credit report even though I lived up to my commitments and paid my bill 100 % on time. They even pulled my credit which has another inquiry on my credit report that I did not authorize. I never ever had a problem paying my bill and I had some huge balances I felt like I was a very good customer and living up to my end of the card holder agreement. Barclays customer service through this process was extremely difficult to deal with with long hold times And once you finally got through nobody could really tell you anything It was like a big secret. What an awful way to treat your customers. I wish I wouldve never applied for this card Had I known this is the way they treat their customers I wouldve avoided this.
|
| 09/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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|
Web |
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This is my 2nd complaint to the CFPB in this regard ( XXXX ). My previous one was closed without proper resolution. I have issues getting a companion certificate that was issue earlier this year. I have now filed 3 research tickets with your phone support team with no resolution. ( Internal case number XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX XXXX. According to the rep, no one has responded to the prior 2 research tickets The below is an excerpt from the letter sent to me from my last CFPB ticket. I was told a copy of my certificate could be printed from my online account. I signed on and was not able to find it. I called the number in the letter and they were not able to find it as well. They apparently were able to sign into my account ( emulating my access ) and was not able to find it either. I called on XX/XX/XXXX at XXXX CST. I specifically spent extra on the card to meet the threshold. I now have a 3rd research ticket. Can someone please help me?
Barclays letter to me dated XX/XX/XXXX : Dear XXXX XXXX : I am in receipt of correspondence forwarded to Barclays Bank Delaware ( Barclays ) from the Consumer Financial Protection Bureau. I understand your concerns about the companion certificate, and will detail the results of my investigation.In review of your correspondence, you stated that you previously requested a copy of the companion certificate. Regrettably, I am unable to substantiate your claim. According to our records, we have not received any requests from you regarding a replacement companion certificate. As a goodwill gesture, the companion certificate expiration date has been extended to XX/XX/XXXX. You may confirm this action by visiting our customer website at XXXX. Here, you will also be able to print a copy of the companion certificatefor your records. I regret any inconvenience this matter has caused you. If you have any additional questions that we can assist you with, please contact our Customer Care team, where a representative will be able to assist you 24 hours a day, 7 days a week at XXXX, XXXX XXXXOffice of the PresidentCC : Consumer Financial Protection Bureau
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| 08/23/2015 |
Yes |
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- Identity theft / Fraud / Embezzlement
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|
Web |
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A few months ago, I received a voice message apparently was about my Barclay Credit Card. I returned their call to clarify the matter, but the person I talked to started to ask for my personal information including my SSN. Knowing that I do n't have any credit card with Barclay, I readily said that I am not giving any information about myself because I do n't have any credit card with Barclay and I have no intention of applying for XXXX.
I continue to receive phone calls from them in which I did not pay attention for obvious reasons. Until I heard another voice mail that it was now under fraud investigation. Out of curiosity, I again returned their call. When I asked about the fraud investigation, the guy again started to ask for my personal information which I refused. I told him that I do n't have any credit card issued by Barclay and if there are applications under my name, they should not approved them.
On XXXX XXXX, 2015, I received a mail from certain XXXX XXXX dated XXXX XXXX, 2015 informing me that their investigation has concluded and the fraud claim has been denied. That, I will be responsible for the payment on the account as well as any applicable associated fees and finance charges. I immediately responded to XXXX XXXX on XXXX XXXX, 2015 informing them again that I did not apply for any Barclay cards and have no intention of applying for XXXX. That I will not be responsible for the payment of any account relating to any Barclay Cards for it is obviously fraudulent.
When I was checking my credit score yesterday via XXXX XXXX, I was so upset to learn that I have a past due account with Barclay amounting to {$1700.00} which is now XXXX days late with XXXX missed payment and at 86.15 % credit utilization. Apparently, the account was open last XXXX XXXX, 2015 but was just recently reported to the credit bureaus. This account was only added to my credit report after my last update on XXXX XXXX, 2015.
I immediately filed disputes to all XXXX credit bureaus about this account. This fraudulent transaction had significantly affected my current credit score. Thus, this complaint.
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| 12/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with BRCLYSBANKDE. The current status should not be showing late because I paid it on time. XXXX and XXXX Credit Reporting Agency lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about this complaints, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise udate this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
BRCLYSBANKDE XXXX Date Opened : XX/XX/2019 Balance : {$1800.00}.
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| 07/11/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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On XXXX XXXX, my Barclaycard Arrival Plus credit card was stolen and I had {$970.00} fraudulent charges on my account, with a few thousand more charges declined by the bank. I initiated contact with the bank immediately after I saw the fraud alert message received on my phone, confirming through texting that I did n't perform those transactions. I was told by a customer associate that I would not be responsible for all fraudulent charges. However, after I week, I received a call from the Fraud Detection Department telling me that because those charges were cash advances so they would not reimburse me for those charges.
Even though with my police report and other supporting documents proving that those transactions were fraudulent, the bank refused to offer me help and instead put those charges with fees and interests on my account, totalling {$1000.00}. I have made contact with Barclaycard Fraud Detection Department several times without further progress. One supervisor called XXXX initially promised to get back to me within the same day on XXXX XXXX. However, despite calling him leaving messages multiple times to initiate discussion and figure out the reason for rejection, the supervisor never called me back!
According to the information provided by Federal Trade Commission, under Fair Credit Billing Act, my liability as a customer for unauthorized use of my credit card tops out at {$50.00}. However, Barclaycard refused to accept my evidence of fraud, and follow the federal law to take those fraud charges out of my account. Their process of dealing billing dispute is also flawed and unfriendly. Not only that I received conflicting information from their customer associates via phone, I was also not treated with respect - the supervisor never responded to my message. Furthermore, the zip code of their address for sending a claim form is actually incorrect - one staff in the post office told me that they put wrong information on their form. I have completed lost trust in Barclaycard and Barclay Bank Delaware and would like to seek help from federal customer protection agency.
|
| 11/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
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XX/XX/2022 I noticed fraudulent charges to my card for {$5300.00}. These charges were from unsolicited promotional account checks that were stolen from my mailbox. We had received a notification from our HOA that our mailbox had been broken into during the time that these charges occurred. My girlfriend had also had to dispute fraud charges resulting from similar unsolicited promotional account checks having also been stolen from the same mailbox. I don't use this card often and prior to the fraud charges, the balance was at or near XXXX. I never received a potential fraud notification from Barclays. I called Barclays and reported this as fraud. I was told I would receive a written followup of some sort within three billing cycles. I never received any written communication within this time frame. However during this same time frame, I received numerous collections calls from Barclays and then a collection agency. Per my understanding of FTC regulations, " The creditor may not take any legal or other action to collect the disputed amount and related charges ( including finance charges ) during the investigation. While your account can't be closed or restricted, the disputed amount can be applied against your credit limit. The creditor may not threaten your credit rating, report you as delinquent, accelerate your debt, or restrict or close your account because your bill is in dispute or you have used your FCBA rights. '' I wrote to the collections agency telling them this debt was in dispute and to verify the debt. Only then in XXXX did I receive a letter from Barclays stating that they denied the fraud claim. No information about an appeals process was given.
I believe Barclays did not follow correct procedures for handling my fraud dispute. I did not receive a written notice within 30 days of my claim. Barclays did take action to collect the disputed amount during the investigation, including involving a collections agency. The creditor did report me as delinquent and this has severely impacted my credit report. They did not resolve the investigation within the stated time frame.
|
| 04/03/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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|
Web |
|
|
Opened XXXX XXXX XXXX account with Barclays Bank Delaware transfer balance in XX/XX/XXXX.
XX/XX/XXXX : Minimum payment {$180.00}, I paid $ XXXX $ XXXX monthly but the balance was going up not down ( even during months no purchases were made ).
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Fees charges ( not purchases ) put card over the limit although higher payments made monthly. contacted Barclays to discuss the option of lowering interest rate, question fees that brought card close to limit, refused to work with customer in good standing, never missed a payment, and always paid more than the minimum. Balance was {$6800.00}.
XX/XX/XXXX : representative said the company would only work out a payment agreement with customers who were late on payments.
XX/XX/XXXX : contacted XXXX XXXX XXXX to work on settlement or payment agreement. They refused to lower interest or settle account. They suggested continue to call, they would be more inclined to agree to settle before it went to collections. I closed the account and disputed charges for over the limit fees which caused additional fees. I received a letter stating account was closed amount owed {$7200.00}, no further charges would be added while dispute was pending.
XX/XX/XXXX-XX/XX/XXXX : Continued to contact company monthly, they continued to add fees and subsequent over the limit charges, and additional fees.
XX/XX/XXXX-XX/XX/XXXX : Continued to speak with Barclays, again offered to settle original amount owed, minus fees.
XX/XX/XXXX : They have sold the account and report monthly to credit bureau. Barclays Bank Delaware does not have record of our conversations and are unwilling to work with me to resolve the issue. XXXX XXXX XXXX is in charge of collections, but will not report to bureaus. XXXX will accept settlement, but will not remove it from the report.
I tried repeatedly to resolve and come to good standing with Barclays card. Never had a late payment until XX/XX/XXXX when trying to work with them to remove the over-limit fees. They continued to charge fees past the time account was closed and involved in dispute.
|
| 06/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American |
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REGARDING CASE # : XXXX PURPOSE OF THIS LETTER : I would like to appeal against the decision Barclays has made regarding my Fraud Case to restore {$1300.00} of Fraudulent charges to my account XXXX account. Decision enclosed.
BACKGROUND : On XX/XX/, I purchased {$1300.00} of XXXX Gift Cards using Barclays card XXXX believing that if I used them to pay my XXXX bill, I would get a discount on my next six months of Internet payments. The offer came through my XXXX, and the return number was XXXX. The people who answered the call identified themselves as XXXX and transferred me up a chain of representatives. This is not different from other promotional offers I previously received from XXXX regarding cable subscriptions. After I purchased the cards, I called the supposed XXXX rep with the numbers toward my bill. I never put these cards to personal use. A XXXX of the XX/XX/XXXX XXXX is enclosed, along with another one that I received on XX/XX/XXXX. The receipts and cards are enclosed.
ACTIONS UPON REALIZING I WAS DEFRAUDED : 1. I immediately went online to block purchases with card XXXX, reported the fraud to Barclays, and received a new card XXXX. As the Barclays customer service representatives requested, I took the further actions below : 2. I immediately reported the fraud to XXXX, which opened Case # XXXX. I uploaded scans of the backs and fronts of the cards as they requested and handwrote the Case # on the receipts ( scans enclosed ). I was told over the phone that I got to them soon enough, so the numbers were not activated.
3. I reported the fraud to the XXXX XXXX XXXX XXXX Police Department. XXXX XXXX XXXX called me back the next day and opened Case # XXXX. Report enclosed.
REQUEST : Among the reasons I use my Barclays card is to be protected against incidents of fraud. As you can see from the Actions above, I did as I was told by Barclays and made every effort to protect Barclays and XXXX from the fraudulent charges. In return, I would expect not be held responsible for the fraudulent charges and the credit be restored to my account. Many thanks for your consideration.
|
| 01/18/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
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|
A charge to my account appeared in XX/XX/2022 and prior to that the last time I used this XXXX XXXX card from Barclays was XX/XX/2022. I also have not used the card after that fact, and Ive only used the card at XXXX XXXX. I disputed the charge in XXXX and it was refunded to me and then investigated it on their end. Then they charged me back, saying that it was not considered fraud without providing me with any proof or documentation or letter of explanation, just another credit card statement with the charge. I explained to them that the same dollar amount on the same date was also charged to my debit card as fraud with a different company name, and that the bank found it to be fraud and refunded me, they want proof that I did not make the purchase which clearly I dont have because I did not make the purchase. I am not quite sure how I can come up with documentation to prove that I did not in fact make a purchase that theyre saying that I did just because the company was able to come up with my mailing address and other information that clearly if they hit my debit card and my credit card that they have, I have received no product from that company or the company that was the name listed on my debit card and my bank refunded me but this credit card continues to hassle me for a fraudulent charge and Ive XXXX them XXXX times to get it resolved. This is how these people committing fraud get away with this and and keep their money. Ive asked to speak to a XXXX and nobody has contacted me. XXXX told XXXX business days. You cant speak to a supervisor or any XXXX. This is still a charge on my account. It is the only charge on this card and I dont want this to ruin my credit. Barclays is the worst credit card company to deal with and I would never recommend anyone get a card from them. They cant even email the department that researches the fraud, per my last call to them. Now they want me to write a letter to another department. What is their infrastructure? This is absurd and a terrible business model. Poor customer service and with this charge I cant even get them to close my account!
|
| 01/02/2024 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I trust this letter finds you well. I am writing to you with regards to my recent discovery of late payments reported on my credit file, specifically related to my account with BARCLAYS BANK/OLD NAVY . Upon reviewing my credit report, I noticed that late payments were recorded during a specific period, and I believe these were a result of a unique circumstance.
BARCLAYS BANK/OLD NAVY XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or BARCLAYS BANK/OLD NAVY customer service representative XXXX
I would like to provide context for these late payments. During the mentioned period, I did not receive my regular account statements from BARCLAYS BANK/OLD NAVY . After investigating the matter, I learned that the lack of statements was attributed to a very small balance in my account during that specific time frame.
I fully understand the importance of maintaining a positive credit history, and I take responsibility for any oversights in managing my account. However, the late payments occurred due to circumstances beyond my control, namely the absence of statements that would have alerted me to any outstanding balances.
I am writing to kindly request your consideration in performing a goodwill adjustment to remove or modify the reported late payments from my credit history. I believe that the unique circumstances surrounding the missing statements and the resulting late payments do not accurately reflect my usual financial behavior.
Enclosed with this letter, please find supporting documents, including bank statements and proof of my efforts to bring the account current. I am committed to rectifying any outstanding issues and ensuring my account remains in good standing.
I sincerely hope that BARCLAYS BANK/OLD NAVY will understand this exceptional situation and grant a goodwill adjustment, helping to rectify the impact on my credit score. I appreciate your time and understanding in this matter.
Thank you for your consideration.
|
| 08/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I have had an ongoing dispute process with Barclays, I called in on XX/XX/XXXX and was told by the rep that the reason the dispute was not settled was because the refund was provided to my previous card number and since my card was reissued with a new number, it needed 24-48 hours for the refund to show on my account.
After the refund did not appear in the timeframe that was explained to me, I called back on XX/XX/XXXX and was informed by a different dispute agent that the previous agent opened a Fraudulent Activity Report on my case ID for the transaction.
Since I never mentioned fraud or attempted to report anything along these lines I requested that I speak to a supervisor regarding the previous agent opening a case on my card without my approval. The supervisor then insisted that I was wrong and that I must have requested that the transaction be reported as fraud. She agreed that if one of the dispute agents created a fake fraud report on my file that the {$1400.00} transaction would be refunded to my card as initially explained on XX/XX/XXXX. After spending an hour on hold for the supervisor to review the 10 min recording, she acknowledged that I did NOT file a fraud report and the dispute agent never asked for my permission to file a fraud report. She then denied that she ever agreed to refund the {$1400.00} and repeatedly talked over me before abruptly hanging up the call after telling me there was no level of management above her and she had the ultimate say regarding the dispute and fraud report.
The initial dispute this was regarding was submitted as a CFPB complaint that was never addressed. Barclays provided a number to call for the Office of the President that went to a voicemail inbox that I called 5 times over two weeks and never got a return call. This is the second complaint filed, the first for not reviewing documentation for the initial dispute and the second for their dispute agents filing fake fraud reports in order to have the disputed transaction temporarily refunded to my account before rejecting the fraud claim and returning the funds to Barclays.
|
| 02/05/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
Older American |
|
I discovered a recurring charge on my Barclays ' VISA card, issued by LLBean. It was a service I was not using, and I spoke to a Barclays rep who told me I needed to change my account number. After following this advice, the charge still appeared on my next statement. I called Barclays and was told that when a person orders something online, checks the box agreeing to " terms and conditions '', and charges it to their VISA card, the business is connected to that specific account, NOT the account number! So changing my account number did not matter ; I was still being charged. She kindly offered to stay on the " line '' with me while I cancelled that subscription, which I did. On reflection, however, I was concerned about the ability of Barclays to have that kind of control over my account, i.e., my " money ''. Why should any company be tied to my account, especially since I XXXX told that every time I changed my account number, then I need to give that new number to all the accounts that I have automatically charge my card each month, such as XXXX. It did not make sense that online companies should have that kind of " special '' treatment over my local companies with which I do business all the time. In the meantime, I had " googled '' the recurring address of the initial subscription I had ordered as it appeared on my credit card statement. I was shocked to see the words " Fraud '' and " Scam '' in the addresses that came up from " googling '' the company, which happened to be " XXXX XXXX ''. That is what prompted me to contact LLBean and let them know that ( in my opinion ) Barclays was " aiding and abetting '' that fraud by allowing companies to tie directly to my account, rather than just to my account number! For myself, I am done with that company since Barclays had helped me contact XXXX and cancel my subscription. However, I was concerned that others may not realize and be likewise charged each month, not aware that Barclays policy allowed a " tie-in '' to one 's account, as opposed to one 's credit card number. Plus, it could reflect badly on LLBean 's good name.
|
| 08/27/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Earlier this year Barclays called me asking about why not staying current on card. I advised I was, but because of a dispute over a late fee, it spiraled out of control. Several attempts were ignored and nothing done. Agent arranged to call me back later that day.
I call Barclays when agent missed call back time. Retold story and got no where. Gave up. Frustrated took some time and called back.
Agent worked out agreement and advised amount needed to be paid and late fees will be removed. Interest to be recalculated. Payment made. Call ended.
Time goes by next bill arrives and again past due! Call in and was advised a payment plan and reduced interest can be offered. So I take it. Letter confirmation was to be sent. ( Never received ). Payment to bring compliance and make initial {$33.00} payment was made with agent.
Next bill again past due. Credit continues to be damaged with bad payment statuses. Barclays doesnt care. Bounced around finally get a USA supervisor. Situation explained and supervisor is just confused. Supervisor looks up call records and requested tape pulls. Follow up to occur which never happened. Minimum {$33.00} paid.
Call back at next bill and still past due with no response, minimum XXXX paid again. Bouncing around again finally get USA supervisor. Supervisor reviews notes and understands situation.
When payment agreement was made was after bill closing date, but still in old cycle. This was late XXXX. Agent making agreement caused problem by putting into XXXX and not correct month of XXXX.
Supervisor takes info and supposed to call me back. No call received.
Communication to Barclays via secured online email is generic unrelated responses. Letter sent by via USPS advising that matter is still being investigated.
Received letter advising account is being transferred to XXXX. Now I have no agreement from Barclays. Continuous unresolved disputes against Barclays, whom is only delaying resolution until account transfer.
Unacceptable. Barclays needs to keep this account resolve the issues and update the damage they caused to my credit.
|
| 03/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
Barclays Bank refuses to close my credit card account. They also refuse to admit that it remains open. When I call, they insist that it has been closed since XXXX, XXXX. In XXXX, XXXX, they applied fraudulent transactions to my account. Over 9 phone calls and 2 months, Barclays staff consistently admitted that I was not liable for the charges and repeatedly made false promises that the charges would be removed. At one point, they even duplicated the false charges. After ten phone calls, they finally removed the false charges and returned my money to me. Barclays representatives also assured me that the account was closed. On two occasions, I even made calls specifically to verify that the account was closed, including on XX/XX/XXXX, and on XX/XX/XXXX. I made these calls separately from my calls about the false charges, and I documented them as separate calls just for verifying the closure. Barclays staff insisted on both occasions that the account had already been closed, and that I would receive a final statement no more than 90 days after its closure. On the second occasion, I asked to receive a paper statement acknowledging the closure of the account, and was told that one should have been sent to me, and that I am not allowed to have another one. I asked for an e-mail confirming that my account was closed, and this request was also denied. Today, XX/XX/XXXX, Barclays has issued me a bill for an account renewal fee of {$99.00}.
I am attaching the following evidence : ( 1 ) an annual statement that shows no charges were made on my account by me after XX/XX/XXXX, ( 2 ) Statements from XX/XX/XXXX and XX/XX/XXXX showing an account balance of XXXX dollars, with the exception of the annual fee, ( 3 ) a screenshot of my account, showing the annual fee and new balance of {$99.00}, ( 4 ) a letter I wrote to CEO XXXX XXXX of XXXX XXXX dated XX/XX/XXXX, in which I asked Mr. XXXX to end his company 's business relationship with Barclays. This letter details, with contemporaneous notes, the misconduct of Barclays, and states that I am still waiting on the closure of my account.
|
| 07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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XXXX XXXX XXXX, I have contacted them directly spoke with Ms. XXXX who stated she was a Manager. I explained that this account was awarded to my ex husband during court proceeding and I sent the court documents showing that he was responsible for the account til paid in full which was enforced by XXXX County XXXX. I have disputed this many times as well as to credit bureau. Ms. XXXX informed me in XXXX of XXXX that she would remove all derogatory reporting on credit report which at that time was 4 30 days past due, she never did I called back in XXXX of XXXX after pulling report to see that she never removed and their was more 30 days. She apologized and stated she would correct. This continue til XXXX and more was reported. I contacted again spoke with Ms. XXXX who informed me that this would be addressed and removed. It was destorying my credit so I paid the account off with the understanding that it would be removed and I would handle a court order with the fact my ex was in violation. Here we are still battling this to get removed. Please assist.
Barclay Bank Of Delaware - I have no clue what this account is and it was written off as bad debt. I have tried to contact the 800 number of credit report and no record of me found. I have disputed on credit report as well and still there. Company has apparently sold and are of no use to me at all. This is not my account and should not be on my report.
XXXX XXXX XXXX account was awarded to my ex during court proceeding. I have sent documentation to XXXX as well as disputed online. This is the same as XXXX. XXXX ordered him to pay the account since he was the one that used the account. I was told my XXXX XXXX XXXX negative reporting would be updated on the credit report by XXXX and here we are nothing go fixed.
XXXX/XXXX - THIS IS NOT MY ACCOUNT. I do not know how someone got hold of my information but this is not mine.I have disputed with credit report and it still remains. I call the 800 number on report and the creditor is unable to indentify me yet it is reported on my credit report. This is not me or my account.
|
| 01/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
On XX/XX/2018 I applied for a Barclays US credit card in order to transfer the balance from another card. In the application I requested that {$14000.00} be transferred from an XXXX card. I was aware that I would be charged a {$290.00} fee. On XX/XX/2018 I received an email from Barclays about my newly approved card and 3 ways to take advantage of it. No statement was attached to the email. The third link said Transfer a Balance and as I was unaware that my XXXX balance had already been transferred ( again no statement was provided ) I looked up the current balance on my XXXX card and requested the balance of {$13000.00} be transferred. When I finally got my statement I saw that Barclays had made a balance transfer 2 times leaving me with an overpayment on my XXXX card. I called Barclays customer service on XX/XX/XXXX and asked that the 2nd payment to XXXX be reversed. The agent told me that would take 2 weeks and suggested I ask XXXX to deposit the overpayment back into my XXXX checking account which I could then use to pay off the additional charge on the Barclays account. XXXX did this for me the next day. When I checked my Barclays account I saw that my payment had been received but Barclays was now charging me a second balance transfer fee of {$260.00}. When I called Barclays I was told an investigation would be open and I would receive a determination in 7-10 days. It has now been 30 days and Ive received no response. Ive called once a week and have been told the investigation is pending. No one has ever called or emailed me to investigate the case. Please note : when Barclays paid my XXXX card balance off twice they put my new Barclays card almost {$15000.00} over the limit. Why would they allow my new card to go over its limit? Why would I request a payoff of over {$29000.00} on the XXXX card when the balance was under {$14000.00}? In addition to being charged an erroneous fee of {$260.00} due to their error, Ive also been unable to use the card because its so high over the limit. Please help me - every time I call Im told Ill receive a response in 7-10 days.
|
| 02/09/2016 |
Yes |
|
- Closing/Cancelling account
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Web |
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Recently, I went to use my Barclay Rewards credit card only to have the purchase declined. I found that very surprising because I was n't contacted by Barclays before the decline. I was even more surprised since in an effort to reduce my credit card balances I used my entire annual bonus I received to pay down my total credit card balances by over 25 %. I made it a point to pay Barclays the most - I paid my card down {$900.00} on XXXX/XXXX/16 via eft. I also made a regularly scheduled monthly payment to Barclays, and do n't believe I was ever delinquent.
When I got home on XXXX/XXXX/16, the same day of my declined purchase, I immediately called Barclays and spoke to a few individuals ( rep last name XXXX, ID XXXX and also XXXX, ID XXXX ) who simply said my account was closed due to negatives items on my credit report.
Yes, I know I have some, but for Barclays to close my account AFTER I made a substantial payment to them and other creditors was devastating, and honestly I think disingenuous on their part. To make matters worse, I know their act of closing my account further damaged my credit rating! It should be noted that NONE of my other creditors closed any of my accounts and XXXX XXXX actually reached out to me to work out a payment plan that I also completed on XXXX/XXXX/16 AND they have reactivated ALL privileges on my XXXX accounts I have with them - despite the fact that I was previously delinquent on my accounts with them!
The point is to demonstrate the totally disparate treatment I received from XXXX creditors - XXXX, XXXX XXXX reached out to me to resolve my issues, the other, Barclays, closed my account AFTER I made a substantial payment and without advance notice. Although the date of the notice that finally did arrive from Barclays, and it was dated XXXX/XXXX/16, I know for a fact it came days AFTER my purchase was declined.
Ironically, just today, XXXX/XXXX/16 I received another notice from Barclays dated XXXX/XXXX/16 acknowledging my complaint, and giving me an XXXX to call. Now, why would I waste my time at this point when the damage is done?!
|
| 12/21/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Older American |
|
I have a credit card with XXXX, which is a subsidiary of Barclaycard US. Their rewards program promises a {$100.00} credit for each XXXX points redeemed.
I contacted XXXX in XXXX XXXX ( I believe XXXX XXXX XXXX ) to redeem XXXX points. I was told my account would be credited in about 10 days. When this did not happen I called again to check and was told it would be taken care of and my account would be credited in about 10 days. I was given a case # XXXX. Again this did not happen. I called several times, including XXXX XXXX, when I was told they would look into it and gave me a case # XXXX. By this time I had earned additional points, so I told them to redeem XXXX.
About one week later I saw that XXXX points had been subtracted from the account, but nothing had been credited. I called again on XXXX XXXX and was told they would check, it would take about 10 days. I explained I had been told this several times without any action, and I wanted to talk to someone at a higher level. I was told someone would call me within 24 hours and given another case # XXXX.
Someone did call me XXXX. He did not have any more information than any of the previous individuals I had spoken with. When I told him everyone I spoke with had told me my issue would be resolved in 10 days he said it will now take 30 days. He also said they only redeem reward points on line, not by telecom. I told him I have been a card holder for many years and had always redeemed reward points by phone, Also none of the individuals I had spoken to previously had told me that, including the first person who said she would process my request.
My concern is that XXXX ( Barclaycard US ) appears to have no process to resolve claims. Each person I spoke with would tell me that the redemption would be taken care of, but could not tell me why it had not yet been accomplished. They can see there were cases opened, but could not tell me why they had been closed without action. I request your assistance to resolve this problem.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX ( last 4 ) - XXXX DOB XXXX/XXXX/XXXX
|
| 09/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I joined the website XXXX for travel related purchases ( air travel, hotels ) and at their suggestion got a XXXX Visa Rewards credit card from Barclay 's doing business as XXXX on XX/XX/XXXX - in order to get VIP Gold status at XXXX which offers special discounts, promotional pricing and other benefits when making purchases through XXXX. I verified with XXXX support first that I was applying to the right company and website.
I did not get the promised VIP gold status on XXXX and after many hours of messages and phone calls they concluded that the card from Barclay 's was not a XXXX XXXX Visa ( despite saying so on the card and documents that Barclay 's sent me ) and this would have to be fixed by Barclay 's.
So I contacted Barclay 's support, by text phone and at their direction, through their website 's Message Center, and have tried for some time to get resolution from them, but keep getting delayed. The whole process started in XXXX, and my original goal was to purchase tickets and book lodging for a trip in XXXX as I have told everyone, so at this point I need assistance from you in getting the benefits I am entitled to, which were my only incentive for doing business with Barclay 's in the first place.
Here 's the time-line : XX/XX/XXXX - Texted XXXX supplied to confirm that the XXXX Rewards Visa was legitimately connected to XXXX and Barclays XX/XX/XXXX Texted Support because VIP status wasn't gold. Told to wait 24-48 hours.
XX/XX/XXXX Texted Support again. Told to wait 24-48 hours. Objected and was given Customer Support phone number.
XX/XX/XXXX phone call XX/XX/XXXX third text told to contact barclays XXXX Message to Barclays explaining situation. Given phone number and told to call.
XXXX Phone call to Barclays. Case was opened. Told to use online secure message center with case number. I did so.
XX/XX/XXXX still no response so I messaged them to follow up.
XX/XX/XXXX response from Barclay 's saying XXXX days until next response I also can supply screen shots for the original offer of VIP Gold status and for several stages of these communications.
|
| 06/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
To whom it may concern, My name is XXXX, this is regarding my recently approved XXXX XXXX Business Card with Barclays Bank. My application was approved on XX/XX/XXXX. After ( 2 ) full weeks no receiving my card, I contacted the company on Friday XX/XX/XXXX and wasted over a hour on calls and being transferred to incorrect departments.
Saturday XX/XX/XXXX I tried calling again to the business card department and learned that someone stole my card, and fraudulently shopped at multiple locations in New Jersey since XX/XX/XXXX spending $ XXXX+ dollars with this card. The customer service rep could not answer me how could the authorization process was completed to allow this person spending such amounts on this card without my personal credentials. Then I was transferred to the fraud team where I spent another hour confirming that all these charges were fraudulent. I was promised that all charges will be disputed, nothing to be worried. The agent also promised me to overnight the card to me via XXXX to ensure proper delivery.
Monday XX/XX/XXXX Since I did not received the card, I tried calling again in the evening and learned that there's an address issue with my card, and can only be resolved by a supervisor team member. It was too late ( XXXX or XXXX ) when I called so I should give them a call back on Tuesday Tuesday XX/XX/XXXX I contacted the team again, wasted another hour and finally got a supervisor team member to clear this and confirmed that they card will be delivered by XX/XX/XXXX Wednesday XX/XX/XXXX The card did arrive via XXXX. After dinner, I called the number to activate my 'replacement ' card. Then I log onto my desktop to register via the bank. As soon as I log in, I see my current balance exceeding my credit limit ( see attachment ). After carefully study the transaction record, I learned that the bank also missed disputing ( 1 ) of the fraudulent charges. So I had to call the bank again - wasted another hour or so, spent 80 % of times being put on hold and was told the agent was still 'waiting to hear back from the security team ' - issues remained
|
| 05/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I would like you to investigate and REMOVE the illegal and unapproved " Hard Inquiry '' on my credit report b y the Barclay Card USA o n XXXX XXXX , XXXX . They ( Barclay Card USA ) NEVER informed me that a hard hit would take place. To add insult to injury, after repeated back and forth conversations with Barclay Card USA management, they keep insisting that " customers are not told that their card would be getting a HARD credit inquiry hit as the customer should " Assume '' that a " Hard Inquiry '' would take place. Really? Who in their right mind would say YES to a hard inquiry ( similar to the level of buying a house or a car ) stuck on your credit for 3 years for a {$100.00} credit increase? This has to be a JOKE! Barclay Card has now damaged my credit score and now I have to wait before proceeding with my mortgage application until this ILL EGAL mark on my credit report in permanently removed. This NEGATIVE mark and ILLEGAL and UNAPPROVED act by the Barclay Card must be addressed as the rep on the phone on XXXX XXXX , XXXX , XXXX XXXX , XXXX ( and several times there after ) informed me that it 's common practice to pull this sort of nonsense on innocent, unadvised and uninformed customers such as me. Never has any other credit card company in my XXXX years ever hit my credit with a HARD inquiry for a simple, few XXXX dollar credit increase request. If they were going to do so, they would inform me fully before proceeding. Instead, as the management at Barclay Card USA repe atedly told me, it is NOT their responsibility to inform the customer if they are going to pull a soft or HARD credit inquiry. Very disturbing, to say the least, when a customer is last to know and will only find out by default via your credit bureau credit report month ( if not years ) down the road. So, as in my case, XXXX hard inquiries were done on my card b y Barclay Card USA within a 2 months window. What did I do, buy a house or a car from them? NO, I just simply asked if it was possible to get a couple XXXX dollar credit line increase.
|
| 08/21/2015 |
Yes |
|
|
|
Web |
|
|
I began contacting Barclay/Juniper for an account I had in XX/XX/XXXX. I had filed bankruptcy in prior years and came to learn three years later that Barclay/Juniper ( amongst others ) had increased my interest rate from or about 3.5 % to over 29 %. At no time did wIe miss or was I late on a payment. Barclay/Juniper, along with several other credit card providers, discovered the bankruptcy, in which I did NOT include any credit card debt I owed, and started slowly increasing the interest rate. After several years of paying the invoices I discovered the large increase and notified each credit card company that followed this process and demanded that they reduce the rate and provide a refund. Many did but Barclay/Juniper did not. I quit paying on the card and continued to demand a refund, which would have resulted in me owing nothing on the card. In XX/XX/XXXX, when the write-off showed up on credit report, I began writing Barclay/Juniper, the credit reporting companies and eventually a collection company that contacted me about the debt in an effort to have the charge off removed from my credit report ( see attached letters ). Along with the letter I provided a spreadsheet showing each invoice from the beginning of the account, when it was paid ( to show they were not late ), the interest listed on the invoice and paid, the amount of interest that should have been invoiced and the amount of overpayment ( see attached ). I also requested information that was outlined in the Fair Debt Collections Act in each letter. I have just been turned down for a mortgage refinance on my home because this item is on my credit report. My savings in monthly payments due to the reduced interest rate would have been over {$1200.00} a month, a loss of roughly {$72000.00} over the next five years.
My wife had a Barclay/Juniper card and had the same problem. Her debt was eventually sold to XXXX and a similar letter and spreadsheet was provided showing she did not owe the debt. XXXX immediately relinquished her from the liability and removed the debt from the credit reporting agencies.
|
| 05/09/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Servicemember |
|
Closed account because company is taking advantage of me had a XXXX balance remaining but bank is showing XXXX Statement balance as of XXXX / XXXX / XXXX {$1000.00} Transaction Date, Description, Category, Amount XXXX / XXXX / XXXX , '' RETURNED PAYMENT FEE '', '' DEBIT '', XXXX XXXX / XXXX / XXXX , '' Payment Received '', '' CREDIT '' XXXX XXXX / XXXX / XXXX , '' Payment Received '', '' CREDIT '' XXXX XXXX / XXXX / XXXX , '' PAYMENT REVERSAL '', '' DEBIT '', XXXX XXXX / XXXX / XXXX , ' ' CUSTMR ADV N OT AUTHORIZED '', '' DEBIT '', XXXX XXXX / XXXX / XXXX , '' XXXX XXXX '', '' DEBIT '', XXXX XXXX / XXXX / XXXX , '' XXXX XXXX '', '' DEBIT '', XXXX XXXX / XXXX / XXXX , '' XXXX '', '' CREDIT '' XXXX XXXX / XXXX / XXXX , '' Payment Received '', '' CREDIT '' XXXX XXXX / XXXX / XXXX , '' XXXX # XXXX '', '' DEBIT '', XXXX XXXX / XXXX / XXXX , '' XXXX '', '' DEBIT '', XXXX XXXX / XXXX / XXXX , '' XXXX XXXX # XXXX XXXX '', '' DEBIT '', XXXX XXXX / XXXX / XXXX , '' XXXX XXXX XXXX '', '' DEBIT '', XXXX XXXX / XXXX / XXXX , '' XXXX XXXX XXXX '', '' DEBIT '', XXXX XXXX / XXXX / XXXX , ' XXXX XXXX XXXX # XXXX '', '' DEBIT '', XXXX XXXX / XXXX / XXXX , '' XXXX XXXX '', '' DEBIT '', XXXX XXXX / XXXX / XXXX , '' XXXX XXXX XXXX '', '' DEBIT '', XXXX XXXX / XXXX / XXXX , '' XXXX # XXXX '', '' DEBIT '', XXXX XXXX / XXXX / XXXX , '' XXXX XXXX '', '' DEBIT '', XXXX XXXX / XXXX / XXXX , '' XXXX XXXX # XXXX XXXX '', '' DEBIT '', XXXX XXXX / XXXX / XXXX , '' XXXX XXXX '', '' DEBIT '', XXXX XXXX / XXXX / XXXX , '' XXXX XXXX XXXX XXXX '' DEBIT '', XXXX XXXX / XXXX / XXXX , '' XXXX XXXX XXXX '', '' DEBIT '', XXXX XXXX / XXXX / XXXX , '' XXXX XXXX '', '' DEBIT '', XXXX XXXX / XXXX / XXXX , '' INTEREST CHARGE-PURCHASES '', '' DEBIT '', XXXX XXXX / XXXX / XXXX , '' Payment Received '', '' CREDIT '' XXXX XXXX / XXXX / XXXX , '' XXXX '', '' DEBIT '', XXXX
|
| 12/01/2023 |
Yes |
- Credit card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
As an XXXX XXXX Barclays credit card holder, I scheduled automatic payments in the amount of the most recent statement to come out of my checking account monthly on the date the payment is due. This month, Barclays took out XXXX payments, in the amount of the statement balance of XXXX, at the exact same time on XX/XX/XXXX, the statement due date, instead of the one that they should have taken. I have screen shots of the transactions as well of how the payment was scheduled to have happened.
I called them on XX/XX/XXXX and was great accused of making the double payment myself. When I explained that was not what happened, that I had a scheduled auto-payment through their online payment portal, I was then told by the first customer service with whom I spoke and her XXXX to whom my call was escalated, that I would have to wait XXXX billing cycles ( XXXX months ) for them to return the money they took without my authorization. When I told them that I would contact my bank to have the unauthorized ACH withdraw corrected, both the agent and the XXXX told me that if I did so I would be charged a return of payment fee. I called again on XX/XX/XXXX and spoke to another XXXX and was told the same thing. They verified that even though it was their error they could not return my money for XXXX business cycles. I asked for a higher level XXXX and was told I would have to wait XXXX hours for a call back. I was also told, again, that they would charge me a return payment fee if I went to my bank.
I went to my bank today and they have reversed the charges for the second payment and the unauthorized payment of {XXXX} was returned to my account.
XXXX filing this complaint because I believe that their refusal to immediately correct their error, their holding my money that they essentially stole from my account for XXXX months, and their insistence that they will charge me a return payment fee so that I can get MY money back in a timely manner is not acceptable and they should be held accountable for changing these practices that harm me, as the consumer, because of their error.
|
| 10/26/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I filed a dispute with Barclays Bank on XX/XX/23 for over {$10000.00} for a vacation rental issue. At the time I had spoken with the merchant, who agreed with my complaint and said they would not contest the dispute. After a month, I received letters from Barclays saying they would not send the dispute to the merchant, first because I needed to try and return the " merchandise '' and second because services were provided. I requested multiple times to speak with a supervisor, and was told none were available. I finally filed a complaint with the XXXX XXXX XXXX which got a response from the " Office of the President ''. After speaking with this person, Barclays finally sent the dispute to the merchant on XX/XX/23.
I am in possession of the response from the merchant, dated XX/XX/23, where they asserted that they accepted the dispute and would not contest it. I have called Barclays multiple times inquiring as to why the dispute has not been finalized in my favor, given the merchant 's response. Each time, Barclays says they are still investigating, and can not give me a timeframe as to when my dispute will be finished. Multiple times, I have requested to speak with a supervisor in the dispute department, to be told there are none available and that they will call me back within XXXX hours. I have received no callbacks at all.
It is now almost 3 months since I filed the initial dispute, and 45 days since the merchant responded to Barclays accepting the dispute, and yet I still have no resolution. I have emailed and called the Office of the President, and have received no response. I have now filed a second XXXX complaint, since this seems to be the only way to get Barclays to do what they are supposed to do under the terms of the credit card agreement. They are essentially refusing to refund money that the merchant has agreed I am due.
This is absolutely awful customer service, and really has me wondering what Barclays would do if I actually needed them to advocate on my behalf, as opposed to the open and shut case that I just need them to process correctly.
|
| 03/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
On XXXX XXXX I opened a XXXX rewards card. In XXXX I was sick and couldn't work for some time, so I couldn't make some payments. I called the customer service of the card to inform them why I could not pay, so the payments accumulated and the interest grew. They were difficult times for me. The account was closed on XX/XX/2019. During all that time there were calls and letters arriving at the house about the amount owed on the account. I never intended not to pay. As soon as my health was recovering, I returned to work and also began to pay the debts. On XX/XX/2019, I received a letter explaining that the company XXXX XXXX XXXX XXXX XXXX would take care of my debt instead of BARCLAYS BANK DELAWARE. And of course I also called them and talked to them about my clear intentions to pay. On XXXX XXXX they sent me a letter offering me that if I paid {$880.00} my debt would be fully paid. I contacted them and again they repeated the same offer over the phone and assured me that all the debt would disappear. So I made the decision and paid them the agreed amount of {$880.00}. I complied with the agreement but when I check my credit report now I see that despite all my sacrifices to improve my credit and bring all my cards to XXXX debt Barclays bank delaware continues to report me negative and with late payments and debt with them and this continues to affect me. I contacted them and the response was to continue that negative report for 10 years because I paid an agreement, not the entire amount. How could this happen? They put the amount of the deal and told me that the debt would disappear completely, they never said that in their calls and they did not write it in the payment agreement letter for the total amount of {$880.00}, settling the debt. I need you to please help me in this because it is not fair that after we made a deal and I paid them they do not comply, I feel that they are laughing at me in my face, I know it was my duty to pay them and I sacrificed myself and them pay what they asked me. I need help on this because it's not fair what they did to me.
|
| 01/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Account # XXXX Case ID XXXX Post Date XXXX Communication dates XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit card was presented to a restaurant for the sole purpose of having a credit card on hand, as they commonly request when parties of present. The issue here is that my credit card was left behind and an excessive amount of charges were present on my credit card without my knowledge, and approval. I never received the receipt or even signed the receipt, therefore when contacting the establishment in person, they neglected to provide me with the receipt and failed to follow through with providing me with any documentation.
In turn, I contacted Barclays about this situation, after serval months of going back and forth from disputes to fraud department, they failed to assist me in obtaining the documentation from the merchant. The irony here, after several attempts I finally received documentation from Barclays stating I was not held responsible and they favored with me, removing the charge from my account a few days later I see the reversed the charge back to my credit card.
When contacting them for 6th time, they stated that they had closed this case and favored with the merchant and I had asked how they could do this without having any supporting information. They claimed a receipt was not needed, as the card holder is responsible because I presented the card to the merchant.
This makes absolutely no sense to me and without a signed receipt, this seems to me as being a fraudulent charge.
The issue now stands that my account is in default for non payment, reported to all credit agencies as default payment and now tarnishing my credit rating.
I would like this matter addressed getting the supporting documentation that I initially requested along with penalties applied to Barclays for negligence of supporting their card holders. Based on the findings posted on reviews I have found that Barclays has neglected to represent and provide support to the card holders in turn this should be addressed.
|
| 05/25/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I contacted my credit card company on XX/XX/XXXX about a purchase I made on XX/XX/XXXX. I purchased three products from a kiosk, owned by XXXX XXXX, at a shopping mall in XXXX, TN. The products were demonstrated by applying them to my face and after the sales person reduced the price three times I finally purchased the products for {$380.00}, good for today only. After the purchase the sales rep said she would email me the instructions on how to use their product. When I returned home the next day I opened my products and read the instructions the sales rep. XXXX had emailed me. The first this I noticed was the instructions on the product box were different from the instructions from the sales rep. Her instructions said to use " once a week '' the box said " Daily application ''. There are other discrepancies like the sales rep saying the product contained collagen, but its not listed in the ingredients. I decided to go ahead an try the product I had because it had worked well at removing the bags under my eyes. The sales rep told me to apply before bedtime which I did. As soon as I applied the product I could tell it was not like the product she had applied to my eyes at the mall. I left the product on my eyes overnight and when I got up the next morning the skin around my eyes was irritated, red and wrinkled. This product is horrible and it was obvious the product was very different than what the sales rep said she was selling me. When I looked at the sales receipt I noticed on the bottom it stated " No Refund. Exchange only within 14 days with unopened product '' I contacted my credit card company explaining what had happened along with all the documentation and after several weeks I received a letter stating they would not issue a refund because I made an in person purchase. This made no sense because you can still be scammed in person. I contacted XXXX XXXX and was told they have high quality products, they won't give a refund.
I feel the credit card company, Barclay, made no effort to resolve my issue even though this company pulled a bait and switch.
|
| 04/29/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
I am an XXXX XXXX military member that signed up with the XXXX XXXX XXXX on XX/XX/XXXX because they offered me 0 % Interest and {$0.00} Annual Fee for life of the ac count as long as I am on XXXX XXXX status. During the application process they required me to verify my XXXX XXXX date which was XX/XX/XXXX by having me send in my XXXX .
XX/XX/XXXX BARCLAYCARD sent me a letter contradicting what I original I signed up for and is now going to force me to pay {$990.00} starti ng on XX/XX/XXXX or I Cancel the account both options do not work. -They state in the letter after review of XXXX records I was already on XXXX XXXX prior to application of the account and they wont extend the benefits anymore. This is outrageous since the military department ( XXXX ) verified my XXXX XXXX date wa s in XX/XX/XXXX . I t was the sole driver of my eligibility. They also state in the letter they just extended certain benefits to my account at account opening based on their policy. This was not mentioned nor the case. I was told I will have 0 % and {$0.00} Annual fee for life of the account as long as I am on XXXX XXXX and to contact them when my XXXX XXXX status stops so they can discuss options. I can not afford a {$990.00} annual fee and canceling my credit card will greatly affect my life since I rely on it heavily. Canceling the account will also crea te credit score repercussions. This is either a classic Bait and Switch Tactic or Barclaycard is leaving me to deal with their mistake on the benefits th ey offered me up. I signed up only because of what they offered XXXX XXXX members for the life of the XXXX XXXX status. This was not a promotional offer that I expected to change after a year. I have called numerous times wasting hours on the phone trying to resolve this. They have not offered anything to resolve the situation and are strong arming me into Canceling the account or Paying this new {$990.00} fee both options do not work. I am a loyal customer and would like to resolve this.
|
| 09/26/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I applied for the Barclays luxury black card and received a letter for me to call and confirm that I have applied for the card. I called them, and confirmed that it was me, and they told me that there is a block on my account, and that some other department will call me back and resolve this issue. I get no call back after waiting for more than 2 weeks, so then I call back, and I know there is an annual yearly fee of XXXX dollars, which I tried to make a payment and they said that there is still a block on my account and that I wouldn't be able to pay it. Mind that I still haven't received my card and have absolutely no information or access to this account, the least I thought I could do was pay the yearly fee. The reason of my complaint is that they reported my credit report/ credit bureaus as 30 days late. After seeing this 30 days late I called them, and they tried to resolve this issue because it wasn't my fault that this happened. At this point I am very upset and i told them to close the account because I don't want anything to do with them. They said they closed the account and will remove the annual fee and also said they'll notify the credit bureaus, and that I have nothing to worry about and how this is their fault, as well as reverting that late and all will go back to normal. The whole point in which why a late was put was because it was their fault claiming I couldn't pay the fee. As I said once already, I HAVE NO ACCESS TO THIS ACCOUNT. After speaking with them ( XX/XX/XXXX ) and thinking this issue would be resolved, I check my reports on XX/XX/XXXX and see that they put 60 days late on my report. So, I call them again thinking they would stop this nonsense, but they claim that it will take 2 months or so to get it resolved. I'm not trying to wait another 2 months and see my credit score go even more low than it already has, and my credit limits decreasing on all the other accounts, ruining the perfect credit score that I did have!!! Please if there is any hope to get this resolved within a good time frame that would be great. Thank you.
|
| 07/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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On XX/XX/XXXX My Barclay XXXX XXXX XXXX Mastercard was charged 4 times for concert tickets from XXXX XXXX XXXX XXXX totaling {$4900.00}. I did not make these charges- they were the only charges on the card. I was out of town and was injured so came home. I did not realize my backpack with my planner was not with me. I received a bill in XXXX with the charges on it- I called Barclay and was told to dispute it. I did. My mom came to town to help me. She paid off my card not knowing about the dispute. SO Barclay was accidently paid for the disputed charges in XX/XX/XXXX. I requested my money back in XXXX and XXXX Barclay never sent the money back.
XX/XX/XXXX, I receive a letter stating I am responsible for the 4 fraudlent charges because box office ticket sales knows my personal information. All of the information is on my facebook page, planner or public information. I hire an attorney to help me. I discover the charges were for concert tickets in XXXX and XXXX. I was and still am injured- physically compromised. THEN I get a bill in XXXX reopening my credit card with 3 more of the 4 disputed amounts being charged to me again!! So now I have paid off the disputed amounts and am being charged again for 3 of them totalling {$3900.00}. My attorney can not get Barclay to answer him, I have filed a complaint with NC Department of Justice Attorney General- they can not get Barclay to answer them. They sent me to you. i have spent over 120 hours and countless avenues trying to get this resolved. barclay does not see their rebilling error and has denied me any help with the fraud or dispute case. I have spoken to their manager, collections attorney, investagtion department all without any assistance.It takes over 3 hours to get anyone on the phone XXXX XXXX XXXX. HELP ME PLEASE!!!!!!!! I am out $ XXXX for annual fee and am being asked to pay for rebilling error of {$3900.00}!!!!
I have contacted XXXX XXXX XXXX XXXX and they were paid for 4 charges not 7. They stated the tickets were not used. So barclay has not paid the merchant for their rebilling error!!!
|
| 11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I enrolled in a debt repayment plan to responsibly pay my debt to Barclay 's XXXX XXXX due to my child having special needs and needing to create a sustainable repayment plan with my new financial responsibilities. Barclay 's accepted my debt repayment plan on XX/XX/2023 ( see attached email from In Charge Debt Solutions ), but failed to change my required monthly payment to the plan agreement of {$39.00}. In XX/XX/2023 ( see attached statement titled Barclay 's XXXX ), In Charge Debt Solutions paid them the agreed upon monthly payment of {$39.00}. At that point, my account went past due because Barclay 's did not change my minimum payment due until XX/XX/2023 ( 4 months past the agreed upon new rate ).
The monthly payment is now correct ( after I called Barclays several times ), and is paid directly by In Charge Debt Solutions. However, Barclay 's continues to report my account as 60 and 120 past due, when in fact, I have never been late ( see attached statements showing no late payments or past due amounts prior to the agreed upon debt repayment plan ). When I call, the representatives agree with this account and open a new dispute, but the office that reviews disputes continues to state I was past due PRIOR to the debt repayment plan, and refuse to change my status in their credit reporting. I am unable to speak with anyone in the dispute department that handles credit reporting. I have called every month since XX/XX/2023, and they continue to file a new dispute, and continue to reject it without any factual data indicating I was past due prior to enrollment in the debt repayment plan. This is an error on Barclay 's part by not correctly adjusting my monthly payment amount due in XXXX of 2023 ( after agreeing to the new payment amount in XX/XX/2023 ), causing my account to go past due in XX/XX/2023.
This issue has destroyed my credit, which has always been around 700. I am a home owner and a single mother, and I have worked hard to maintain a good credit score. I would appreciate any suggestions on how to remedy this incredibly unfair situation.
|
| 02/08/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In XX/XX/XXXX, I reach a credit card settlement with Barclays Bank Delaware.
This settlement regarded my now closed account # XXXX. The account was in my maiden name, XXXX XXXX XXXX. My married name is XXXX XXXX XXXX.
I recently inquired about a home loan and was surprised to learn Barclays had not updated my account to show a -XXXX- balance. The previous balance before the settlement was still showing, which is causing a significant lowering of my credit scores.
Late last month ( XX/XX/XXXX ), I called Barclays Bank to inquire why they were not correctly reporting the status of the account. The duration of my phone call lasted well over an hour. Most of the time was being left on hold, while they transferred me from one department to the next, because no one seemed to want to help me. The conversation ended with Barclays agreeing to remove the account from my credit report, because of their failure to accurately report the account for more than a year. Again, their action caused my credit scores to drop and make me ineligible for a home loan.
I asked that a letter confirming our conversation be emailed or faxed to me, specifically the part about the removable of the account from my report. Barclays refused stating, their company policy only allowed them to mail it. I was told I would receive it within 7-10 days. When that time passed, I again called Barclays ( XX/XX/XXXX ). Once again, the call lasted more than an hour while they passed me back and forth to individuals and departments who knew nothing about my account and had no interest helping me. Finally, a manager named XXXX got on the phone. He was rude and difficult. I asked for his company ID and he REFUSED to give it out. He said he didnt see a need to do it.
When I told him what his company had agreed to do in a previous conversation, including the removal of my account, he stated, Thats not going to happen. I reminded him that Barclays failure to accurately report the status of my account for more than a year was harming my credit scores, he didnt answer me. The called then ended.
|
| 12/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I had XXXX charge me from my XXXX year old daughter 's phone. These charges were not authorized by any adult> Neither XXXX nor Barclays would credit these charges.
Transaction Date Description Category Amount XX/XX/2021 XXXX XXXXXXXX - {$30.00} XX/XX/2021 XXXX XXXX - {$21.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$49.00} XX/XX/2021 XXXX XXXX - {$49.00} XX/XX/2021 XXXX XXXX - {$49.00} XX/XX/2021 XXXX XXXX - {$49.00} XX/XX/2021 XXXX XXXX - {$49.00} XX/XX/2021 XXXX XXXX - {$29.00} XX/XX/2021 XXXX XXXXT - {$57.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$49.00} XX/XX/2021 XXXX XXXX - {$55.00} XX/XX/2021 XXXX XXXX - {$49.00} XX/XX/2021 XXXX XXXX - {$77.00} XX/XX/2021 XXXX XXXX - {$29.00} XX/XX/2021 XXXX XXXX - {$29.00} XX/XX/2021 XXXX XXXX - {$44.00} XX/XX/2021 XXXX XXXX - {$10.00} XX/XX/2021 XXXX XXXX - {$27.00} XX/XX/2021 XXXX XXXX - {$63.00} XX/XX/2021 XXXX XXXX - {$63.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$10.00} XX/XX/2021 XXXX XXXX - {$26.00} XX/XX/2021 XXXX XXXX - {$53.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX {$53.00} XX/XX/2021 XXXX XXXX {$31.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$53.00} XX/XX/2021 XXXX XXXX - {$42.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$74.00} XX/XX/2021 XXXX XXXX - {$42.00} XX/XX/2021 XXXX XXXX - {$67.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX {$67.00} XX/XX/2021 XXXX XXXX {$74.00} XX/XX/2021 XXXX XXXX {$31.00} XX/XX/2021 XXXX XXXXXXXX {$42.00} XX/XX/2021 XXXX XXXX {$42.00} XX/XX/2021 XXXX XXXX {$31.00} XX/XX/2021 XXXX XXXX - {$67.00} XX/XX/2021 XXXX XXXX - {$74.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$42.00} XX/XX/2021 XXXX XXXX - {$42.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$36.00} XX/XX/2021 XXXX XXXX - {$14.00} XX/XX/2021 XXXX XXXX - {$14.00} XX/XX/2021 XXXX XXXX - {$21.00} XX/XX/2021 XXXX XXXX - {$10.00} XX/XX/2021 XXXX XXXX - {$15.00} XX/XX/2021 XXXX XXXX - {$40.00} XX/XX/2021 XXXX XXXX - {$31.00} - {$1600.00}
|
| 11/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I hired the housecleaning service XXXX to clean my apartment on XX/XX/XXXX, but they notified me via text before my appointment time that their worker was unable to make it, and they needed to cancel my appointment. And so they never showed up. This was just as the Covid pandemic was starting. At the time, I was not charged, and thought that was the end of the matter. Note that my phone only stores text messages for six months, so I do not have their text cancelling the service. When I used their service prior to this, they asked me sign something to verify the cleaning had been completed ( obviously this time I did not sign anything, as they never showed up ).
Then seventeen months later, in XX/XX/XXXX, I was charged {$83.00}. I contacted my credit card company, Barclay 's, but was told I needed to first contact the merchant. I did text XXXX, who said they would " fix '' the charge, but they did not. Note I am including that text conversation. In it, XXXX says the cleaner completed the cleaning wrongly, which is *not* true- the cleaner never showed up. Nonetheless they said they would " fix '' the charge, but then nothing happened, so I then initiated a dispute with Barclay 's.
Barclay 's sent me a letter dated XX/XX/XXXX, saying they were rejecting my dispute. XXXX apparently provided to Barclay 's evidence that I had originally booked an appointment with them, but they did not and can not provide evidence that they actually showed up and cleaned my apartment, since they did not. They did not provide the signature they require when a cleaning is completed. But for some reason Barclay 's took this as " proof. '' On XX/XX/XXXX, I faxed a long letter to Barclay 's explaining all of this and asking them to re-open my dispute. But as of today, I had not heard back, so called to follow-up. I was told by Barclay 's that they did not re-open my dispute, but they could not tell me why. I asked to speak to a supervisor and was told it could take up to 15 days to receive a call back from one. I have already spent hours on hold and trying to resolve this.
|
| 02/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
This complaint is regarding a charge-back dispute dated XX/XX/XXXX. The dispute is over the purchase of plane tickets valued at XXXX dollars dated XX/XX/XXXX. The dispute record number for this claim with my creditor is XXXX.
I have included in this complaint : a record of my first email exchange with XXXX customer service, my second email exchange with XXXX customer service. My email exchange with the U. S. Department of Transportation, my second claim letter to my creditor, and the U.S. Department of Transportations original mandate that justifies my claim to a full refund.
As I argued in my original claim, XXXX canceled my flight due to COVID-19 complications. They initially tried to offer a voucher as a form of reimbursement. After I replied that I was due a full refund and that this refund is mandatory per the Department of Transportations enforcement notice, they requested my account information to transfer my refund. They then promptly cut off all communication with me and did not reply to my emails.
After originally opening my dispute, both XXXX and my creditor argued that the refund terms were fulfilled and that I was not owed a refund. They claimed that the merchant has a no refund cancelation policy therefore I am not owed anything. This completely ignores the DOT enforcement that I included in my dispute claim. XXXX has also failed to respond to my DOT complaint within the required window of time, indicating they have no intention of interacting with me in good faith as a merchant. Furthermore, my creditor is obligated to credit this amount as it is considered a billing error under USC Title 15, Chapter 41, Subchapter 1 Part D Section 1666 ( b ) ( 3 ). XXXX has announced bankruptcy on XXXX XXXX, XXXX and cancelled their flights for the year XXXX ; they are unable to fulfill their obligations. I made this argument to my creditor, but they have not provided any counter argument to my claim and have simply rejected my dispute a second time with no justifiable grounds beyond the simply cancelation policy that XXXX originally provided.
|
| 06/03/2016 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
Older American |
|
I received a letter from Barclay Bank regarding a XXXX XXXX XXXX XXXX I once had. This card was paid off in XX/XX/XXXX and cut up. The letter I received indicated my " account '' was 90 overdue and the had " closed '' my account. I had no idea a charge was made against this account as I had received no phone calls or letters previous to this. I initially thought I was a victim of identity theft so I called the number on the letter and only got a recording in which I could give and receive my account info which indicated the account was closed and I had a balance of over {$160.00} I was alarmed to I managed to find my old access code and password to the account and went in to look at what had occurred on my account. What I found was a XXXX XXXX annual membership charge in XXXX, XXXX of {$25.00}. I checked with my XXXX XXXX XXXX online merchant site account and it indicated there was NO default payment listed. I emailed Barclay Bank indicating I had not be made aware of this charge via a statement. I forwarded a payment immediately for the {$25.00}, explaining the situation ( which I have copies of ) and they responded by telling me basically " it was n't their fault '' and they " can not wipe out the interest charges ''. I have an excellent credit rating ... last checked was XXXX and I am never late on any account. I am mortified about this ding on my credit which I feel was not my fault. I feel a charge was made to this account without my knowledge and was purposely held back to accrue all these late fees before notifying me by mail of the issue after 90 days. Also, I suspect the originally XXXX XXXX XXXX XXXX has expired and therefore any new card was never activated so how was this charge accepted in the first place? I only want the interest charges removed and any dings these people have made to my credit score repaired. I definitely feel I am a victim here and Barclay Bank is refusing to work with me on this. How was I suppose to pay an account charge on an account I had n't used in over 3 years without even knowing the charge had been made?
'
|
| 05/08/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
After BarclaycardUS.com rejected one of our XXXX XXXX account checks [ with one of our vendors ] accompanying with the offer of 0 % promotional APR through at least XX/XX/XXXX, on XX/XX/XXXX. We called around XX/XX/XXXX to find out what was the problem when we were notified by mail. It is now after to the XX/XX/XXXX deadline for the offer to remain valid. Meanwhile, another 0 % APR offer arrived with a deadline of XX/XX/XXXX. The representative now asks us to file out the application online for the balance transfer to be honored. We asked if XX/XX/XXXX, the new 0 % offer could be applied to this application since we will not get a decision on this online application until after the XX/XX/XXXX deadline. The representative stated this new offer was good to apply to our online application and she would make a note of it in our account. After paying {$250.00} in fees for this approved balance transfer, we were shocked to learn on our first statement no promotional date was applied and we were being charged another 16.24 % interest for the vendor balance transfer due XX/XX/XXXX. We called again asked them why the new offer with a promotional date of XX/XX/XXXX, was not being applied and they stated that offer was not applied to the loan transfer and standard rates applied. I told them that someone lied to us then and we would not have made the transfer only to take our business elsewhere & pay another balance transfer fee. Our balance has been at XXXX for years and it would have remained at XXXX if what we were told by them while filing the online application was not true. Their response : They would not admit they lied to us and did not care if we found another 0 % offer with our over 800 credit scores. BarclaycardUS.com provided misleading facts during our application process and lacked in its fiduciary duty to lending to the public. They never came out and stated this application will not qualify for the new offer. We thought we had an agreement that included the new offer with a promotional date of XX/XX/XXXX, and 0 % until that date was reached.
|
| 02/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
On XX/XX/2019 my wife and I went to XXXX for vacation at Now XXXX XXXX. We were approached by salesmen from the XXXX XXXX XXXX in the resort lobby.They wanted to give us information on their club. There was intense pressure from the salesmen. We told them we were exhausted from an early flight and needed to relax. They asked us to meet them for breakfast next morning at the resort where they began their heavy sales pitch. They took us to office promising all these perks for joining club. They said it would cost $ XXXX/person / night which would pay for the food and drinks at resort. There would be an annual fee {$150.00}. No other fees but more perks ; i.e. coupons to use at each resort. They pushed alcohol on us. They had a bar in their office which had several people walking around waiting to pop a bottle of champagne after we said yes. They pushed alcohol on us from the beginning. The total cost was {$40.00}. They wanted {$20000.00} down. We didn't have any high limit credit cards on us so they talked my husband into opening a card with Barclay Bank for {$13000.00}. We are disputing that with Barclay now. Barclay said that the application was approved under a dubious guise. The additional amount of {$7800.00} had to be wired by XX/XX/XXXX to make the 50 % down. When we got home I called the booking receptionist to check on a resort of theirs in XXXX XXXX. She said with a promotion in XX/XX/XXXX it would cost $ XXXX/night/person. She said there weren't any rooms in any of the resorts that were $ XXXX/night/person. The contract is full of many fees that wer n't mentioned during the sale. They gave us other benefits while we were there, such as expensive dinners, boat ride, tickets to musical show, massages, upgraded our room. No mention of having to pay anything back. These were gifts. After getting home we saw in contract that there were many fees not mentioned, plus they could go up on fees in future. We have sent an email to the company. We don't expect to hear from them. Their bank is XXXX XXXX but the money transfer was to XXXX XXXX XXXX.
|
| 03/20/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/XXXX i made a payment of {$2700.00} to my Barclay master card which was the balance due at the time ... on XX/XX/XXXX the funds were deducted from my bank account and i received an email from Barclay stating my payment have been received. On today XX/XX/XXXX i checked my account online to find out the payment has not been credited to my account and that there was a hold on my payment. I called the customer service # and the automotive system acknowledged the payment but also reflect that the available credit does not reflect that payment being applied. I spoke to rep XXXX ( said couldn't give last name ) but his employee ID # is XXXX advised me that there was a hold on my payment and said it wouldn't be lifted until XX/XX/XXXX or XX/XX/XXXX. I asked XXXX the reason for the payment hold his response was because it was an unusual amount and it was also based on the method of payment and my bank is the one that issued the hold. I asked XXXX why would my bank issue a hold when they have already released the funds and never contacted me to confirm the transaction. I offered to fax over my bank statement showing the funds have actually cleared ( not pending ). He stated it would still not be resolved until XX/XX/XXXX or XX/XX/XXXX. I pay the same way every using the same account so it shouldn't have been an issue with my bank. I then questioned the response he made about the method that was used i advised him that Barclay uses ACH so they wouldn't have gotten the money if the funds weren't available. He then responded that the hold would not be released until XX/XX/XXXX or XX/XX/XXXXand if that was ok ( he was trying to get me off the phone at that point ) I told him no and asked would this have been a problem if i wouldn't have paid off the statement and why was it a problem for me to pay what was owed. He then stated he would try to see if he could have the hold removed now and placed me on hold. Once he came back to the line he stated he was able to have the hold removed and i will see the credit on my account by XX/XX/XXXX by XXXX est.
|
| 08/02/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
On XXXX XXXX, 2017, I was charged {$2000.00} by a medical facility for medicine I had received but that I subsequently found out I did n't need. I returned the medicine to the medical facility and requested a refund. The medical facility took back the medicine but did not issue a refund. I then contacted my credit card company, BarclayCard and initiated a dispute against the {$2000.00}. A few weeks later I was contacted by BarclayCard and informed since I did not have a receipt showing proof that I returned the medicine they could not move forward with the dispute. I explained that the reason I was filing the dispute was because I did n't have a receipt. I was very upset and surprised to find that BarclayCard was unable to further pursue my dispute because that business did not provide me with proof that I had returned the medicine. I was shocked to find out that the burden of proof was on me to proof I had returned the medicine before BarclayCard would even contact the business. As my credit card company, and based on our relationship, I believed BarclayCard should be advocating and representing me directly in this dispute. If the Medical Center wants to respond to the dispute and state that I never returned the medicine, then let that be the case. But to take the side of the business over its customer, before allowing the business the opportunity to respond, is shocking to me. Barclaycard and I have a business relationship that will survive way beyond this one transaction with one this particular business. I expect Barclaycard to represent me in this dispute and allow the business to justify why they have not issued the credit. I can almost guarantee once the dispute is put forward the business will not contest it because that would mean that they are plainly lying. BarclayCard has now denied my dispute 3 times. They are requiring me to pay {$2000.00} for merchandise I do not have and was returned to the medical facility in new and never used or open condition. BarclayCard will not defend its customers against businesses that are unethical.
|
| 12/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
My name is XXXX XXXX. I am a Barclaycard JetBlue customer ( card # XXXX ) On XX/XX/XXXX I received a promotional balance transfer offer from Barclaycard JetBlue credit card services. I am a current credit card owner. I decided to take advantage of the 0 % APR until XX/XX/XXXX and completed the information for a balance transfer ACH in to my Chase checking account. On XX/XX/XXXX I logged in to my Barclays Jet blue account and saw they charged me the balance transfer fee and {$16000.00} balance transfer ; however it did not appear in my XXXX checking account. I waited and waited; finally on XX/XX/XXXX I had enough and called Barclaycard jet blue customer service at XXXX at XXXX XXXX. From my phone number XXXX. The customer rep was friendly but did not seem to understand what was going on and stated she filed a claim and it would take about 7 days for it to get resolved. ( CLAIM # XXXX ). I was upset but decided to wait. On XX/XX/XXXX there was no update so I called again XXXX at XXXX ET. The rep now told me it would take XXXX billing cycles. Which is completely unacceptable! I was extremely upset. I then filed a complaint to Barclaycard XXXX from their online Portal explaining all this and they stated the same it would take XXXX billing cycles to resolve.
How is this legal?! They deducted the money from my account on XX/XX/XXXX and charged me the {$480.00} fee and on top of that are going to makee wait potentially until XXXX to get this resolved?! That is unacceptable. They are literally STEALING my money and using it for those 3 months. I am on the verge of taking legal action and filing a lawsuit if this doesn't get resolved immediately. How does it take 2 days to deduct and charge me the fee but a potential XXXX days from when you charge my account to get this resolved?! That is extremely Ludacris and unacceptable, especially during a covid time era where the point on doing this was to save money on paying off balances. Now I am missing out on a potential 3 months of saving interest from paying off other loans that I was going to pay off.
|
| 04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I wrote XXXX XXXX regarding an error on my bureau. ( Account Barclays Bank Delaware # XXXX ) regarding errors, I noticed with the payment rating, balance.
XXXX was to update my report after investigating : XXXX duty is to provide Notice of dispute : VIOLATION 15 USC 1681 S 2 ( A ) ( 3 ) : requires credit reporting agencies to investigate and correct inaccurate or incomplete information The error in question relates to the PAYMENT RATINGS on my bureau XXXX XXXX ***PLEASE REVIEW MY PAYMENT RATING AND HOW IT IS REPORTED Ive been disputing this for YEARS and Trans union has FAILED to provide me with CORRECT Payment Rating Data XXXXVIOLATION OF 15 USC 1681 S 2 ( A ) ( 3 ) XXXX XXXX REPORTS : LAST PAYMENT WAS MADE ON XX/XX/XXXX : If last payment was made on XX/XX/XXXX how can there be any late payments reported prior to XX/XX/XXXX? Please see highlighted ***MY CREDIT BUREAU SHOULD BE MARKED AS DISPUTE REINVESTIGATION INFO SHOULD STATE DISPUTED PLEASE SEE DATE UPDATED ON MY BUREAU : LAST UPDATE AS XX/XX/XXXX Please see the Highlighted Response from XXXX XXXX XXXX XXXX Failed to conduct a reasonable investigation Under 15 usc 1681i : Failed as a data furnisher XXXX XXXX to conduct a reasonable investigation.
Barclays violated 15 USC 1681s-2b Consumer Portfolio was not listed or updated on my bureau with the dispute FCRA states XXXX XXXX is required to investigate disputes and correct any errors within in 30 days, however after years of disputing this information, XXXX XXXX has FAILED to meet this obligation and has CONTINUED to report the inaccurate information instead of correcting it.
As a result of XXXX XXXX FAILURE to comply with 15 U.S.C 1681s-2 ( a ), I have suffered harm to my credit score, insurance policies, and refused employment.
I plead you thoroughly see the the violation and ensure this incorrect info is removed immediately from my report, and take the proper steps that will prevent XXXX XXXX from violating others such as myself under FCRA.
I reserve the right to to take legal action to enforce my legal rights under the FCRA.
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| 02/05/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX I made a payment of {$900.00} to my Gapcard account via the XXXX XXXX XXXX bill pay website. The {$900.00} payment is clearly shown on my XX/XX/XXXX credit card statement. My XX/XX/XXXX statement reflects my balance minus the {$900.00} payment that was made XX/XX/XXXX. My XX/XX/XXXX statement shows {$900.00} added back to my balance listed as " Adjustment-Payments ''. I called the company and spoke to a customer service rep who seemed very confused and stated I should call back if the issue did not resolve in the next billing cycle. The next day I spoke to a more helpful rep who agreed the Adjust-Payments charge looked odd and opened a case ( XXXX XXXX ) on my behalf. She informed me it could take up to two billing cycles to correct the issue. I received a letter in the mail from Barclay 's Gapcard dated XX/XX/XXXX referencing my case number. The letter stated my inquiry had been resolved and that my next billing statement would reflect the correction. There was no contact information listed on the letter and it simply stated to call customer service with any issues. My XX/XX/XXXX did not show the {$900.00} applied to my balance and I called customer service again. After giving my case number and explaining the letter I received the representative told me the issue was with my bank and that I needed to contact XXXX XXXX XXXXXXXX. I contacted XXXX XXXX XXXXXXXX and received confirmation that a representative from the bank had spoken to a Gapcard representative and the outcome was that they confirmed receipt of the {$900.00} payment and no late fees were charged to my account. My XX/XX/XXXX and XX/XX/XXXX statements still did not show the {$900.00} credit and when I called again a representative told me their investigation into my case is on-going and the issue seemed to be with my bank. Again I contacted XXXX XXXX XXXXXXXX and received a response stating a bank rep confirmed receipt of the payment. My XX/XX/XXXX and XX/XX/XXXX still show a balance and I have yet to see the {$900.00} payment clearly credited back to my account.
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| 01/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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My account with Barclays was charged off and I was trying to pay it so I could close the account. I initially called in XX/XX/2020 and was told the bill was sent to collections and they no longer had it " in house ''. They said my account was sent to XXXX collections. I then called XXXX on XXXX to try and pay the account, she said they had no record of it. I then called Barclay 's back on XXXX and tried to explain the situation and that I really just wanted to pay my bill, I was again told that she could not find my account " in house '' and that it had been sent to XXXX. I was told that someone from Barclay 's would contact me within 7 days-that never happened.
On XXXX I had a conference call with Barclay 's and XXXX because after multiple calls no one at Barclays would give me my balance or seem to know where my account was. Barclays confirmed I had a past due amount of {$1800.00} that was verified by XXXX. I overnighted a check for {$1800.00}, which was cashed on XXXX. I then called to get a satisfaction of debt letter from Barclays and was told I still owed XXXX. I asked if they could charge off the small amount because I was told by XXXX on XXXX that I owed {$1800.00}. They said no. I then sent them a check for XXXX that they received on XXXX verified by the USPS. I called XXXX on XXXX and XXXX and no one there can find the check for XXXX even though it was certified, nor will they write off the XXXX cents. I asked them to please obtain the recorded conference call from XXXX and was told they would work on it but it could take some time. I asked them to please send me a satisfaction of debt letter and was told they could not as long as I still owed XXXX cents and when I tried to explain I paid it and they signed for receipt of it, I was told I would have to track the check through my bank. Please help me, I don't know what else I can do to get the debt paid and satisfied. I feel like I am being bullied and my account held hostage over XXXX cents I do not have a recent statement, so I will enclose an old one for informational purposes.
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| 05/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I was recently a victim of credit card fraud in the amount of {$180000.00}. Of this total, {$42000.00} was not refunded to me. Unauthorized withdrawals were going from my bank account at XXXX XXXX XXXX XXXX, to my credit card company XXXX Barclays XXXX XXXX. When i realized the automatic withdrawals being taken out of my bank account were in excess of my credit card bills, and more frequently than my normal payment schedule, i spoke to my bank. They were able to research and figure out where the money was going to and why. However they only reversed a portion of the unauthorized transactions. They then told me to take the rest up with my credit card company. When i contacted my credit card company they told me they can not help me and i would have to take it up with my bank. So no one wants to help remedy this and I am at a lost of a significant amount of money, {$42000.00} Dates and amounts of transactions that were taken from my bank account without my authorization : XXXX {$13000.00} 2. XX/XX/XXXX {$9000.00} 3. XX/XX/XXXX {$4100.00} 4. XX/XX/XXXX {$11000.00} 5. XX/XX/XXXX {$12000.00} 6. XX/XX/XXXX {$6400.00} 7. XX/XX/XXXX {$5000.00} 8. XX/XX/XXXX {$8300.00} 9. XX/XX/XXXX {$9700.00} 10. XX/XX/XXXX {$12000.00} 11. XX/XX/XXXX {$7100.00} 12. XX/XX/XXXX {$2000.00} 13. XX/XX/XXXX {$4000.00} 14. XX/XX/XXXX {$6000.00} 15. XX/XX/XXXX {$7100.00} 16. XX/XX/XXXX {$7500.00} 17. XX/XX/XXXX {$6000.00} 18. XX/XX/XXXX {$11000.00} 19. XX/XX/XXXX {$7800.00} 20. XX/XX/XXXX {$5000.00} 21. XX/XX/XXXX {$8300.00} 22. XX/XX/XXXX {$9700.00} My bank reversed only some of the transactions listed above, however the following transactions were not reversed : 1. XX/XX/XXXX {$11000.00} 2. XX/XX/XXXX {$7800.00} 3. XX/XX/XXXX {$5000.00} 4. XX/XX/XXXX {$8300.00} 5. XX/XX/XXXX {$9700.00} I am reaching out to you because neither my bank, nor my credit card company will reverse these unauthorized transactions, resulting in a total of {$42000.00} stolen from my account. The bank and my credit card company have left me with no one to turn to, please help me get my money back.
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| 01/25/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Barclays Bank jetblue credit card sent me a card with a new expiration date by mail since it was about to expire in XX/XX/XXXX. While I was waiting for my credit card in the mail, I received an email saying that my card was activated when Ive NEVER received the card and I DID NOT activated it. Someone stole it and used it and made a transaction for {$2600.00} in a car dealership in XXXX, over XXXX miles away from my house.
IMMEDIATELY, I called Barclays JetBlue Credit card company to inform them of the theft. They removed the fraudulent amount from my credit card and sent me a new one with a new number. I thought that issue was taking care by the BARCLAYS BANK since it was a fraudulent transaction.
Unfortunately, XX/XX/XXXX, Barclays Bank placed {$2600.00} back onto my credit card, when Ive NEVER authorized or validated it anyone for that purchase. I have never made that transaction neither did I got any benefits from that.
XX/XX/XXXX, I got a letter from Barclays Bank letting me know that I was not responsible for that fraudulent transaction and removed the fraudulent activity from my credit card.
HOWEVER, what makes me concerned about this letter is that last paragraph says that if the merchant is able to validate the transaction again, THE TRANSACTION MADE BY A THIEF WHO STOLE MY CREDIT CARD, Barclays Bank could place the fraudulent transaction of {$2600.00} back onto my credit card. REALLY!?!
Barclays Bank still continuing with threats, harassment abuse and mistreatment towards me.
I have never gone through a situation as stressful and traumatizing as what I am going through with Barclays Bank.
If someone stole and used my credit card, Barclays Bank and the merchant will accept/ validate this transaction without asking for an identification, notifying me or verified me by email or text message if this transaction was made by me. Are Barclays Bank trying to hold me accountable in the future for a fraudulent charge that a thief/scams made with my credit card?. They need to remove this amount from my account definitely.
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| 06/03/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX I hired XXXX XXXX XXXX ( XXXX XXXX XXXX to fill in cracks and resurface my driveway. Mr. XXXX quoted me {$400.00} for completion of the services. When the work was completed for the day, Mr. XXXX informed me that the driveway required more work than what was anticipated and that he would have to return to apply another coat. We agreed that an addition {$200.00} for a total of {$600.00} would be a fair price, and that he would return XX/XX/XXXX to complete the job. In good faith, I paid Mr. XXXX the {$600.00} using my XXXX XXXX XXXX XXXX XXXX XXXX. After numerous attempts to get Mr. XXXX to return to complete the job, he ceased responding and was not heard from again. The job was left unfinished ( See photos ).
It was at this point that I filed a claim with Barclays and was informed that they would investigate the claim. Initially, {$200.00} was credited to my account on XXXX XXXX. I was never notified about any additional information concerning the dispute. On XXXX XXXX, I was rebilled the amount of {$200.00}. Again, I was not notified about this. Upon examining my credit card statements in XXXX, I notice this rebilling and immediately called Barclays. I was informed that the case was closed and that I would have to write another letter to have this dispute reopened.
It wasn't until after I had contacted Braclays until I received the notice of rejection in the mail. Upon examining the documents, the merchant supplied Barclays with an invoice that is not even related to my case. I sent notice to Barclays with additional information including photos of the unfinished work, the correct invoice indicating that he would return to complete the job on XX/XX/XXXX and that there was a two year warranty on the work, and XXXX pages indicating that the merchant has a track record of taking money from customers and not finishing work. The merchant never returned and will not answer calls. On XX/XX/XXXX, I received notice that the dispute was outside the permitted timeframes and that I should continue contacting the merchant directly.
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| 03/18/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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In XXXX of XXXX I purchased an XXXX laptop computer for my daughter attending her XXXX year of college. In the store I was informed that they offered a " same as cash '' offer from BarclayCard that as long as I signed up for " autopay '' there would be no interest.
After a week or so I received the traditional credit card disclosures from BarclayCard and a credit card I have not used. However, I did not receive ANY materials regarding the fact that the " interest free '' period would come to an end. Nor did I receive a date upon which it would end, thus triggering the balance of ALL interest ( since the initial balance ) coming due.
Upon noticing the change in payments I contacted BarclayCard and was informed the following : We apologize for the confusion regarding the interest charges. Upon review of your account, your deferred interest promotion expired on XX/XX/XXXX.
Deferred interest financing offers give you an extended amount of time to pay off purchases without being charged finance charges - as long as the promotional balance is paid in full by the end of the promotional period. If the purchase is not paid in full by the promotional expiration date displayed on your monthly statement, the finance charges that have been deferred during that promotional period will be billed to your account at the purchase APR 15.49 %.
All of the details surrounding your promotional balance are outlined on your monthly billing statement. While minimum monthly payments are required throughout the promotional period, making only minimum monthly payments doesnt guarantee that your purchase ( s ) will be paid in full by the financing offer expiration date. Additional payment ( s ) may be required to avoid interest charges.
Since the expiration of your promotion, you have been charged {$630.00} in differed interest and {$170.00} in purchase interest.
We hope you find this information helpful, and we thank you for your continued business. If you have any other questions or concerns, please reply to this message.
Sincerely, Customer Care
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| 06/12/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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On XXXX/XXXX/2015, I was a victim of a case of extortion, coercion, and credit card fraud by the merchant XXXX XXXX XXXX XXXX while I was traveling abroad in XXXX, XXXX for the total amount of {$3900.00} which was made in XXXX separate transactions of {$1900.00} and {$1900.00} with XXXX separate credit cards on my Barclaycard Arrival Plus MasterCard and XXXX XXXX XXXX XXXX, respectively. After the incident, I called to report the transaction as fraudulent to both of the XXXX credit card companies and banks involved : XXXX XXXX ( for XXXX XXXX XXXX XXXX ) and Barclays Bank ( for Barclaycard Arrival Plus MasterCard ). Additionally, I filed a police report in my local jurisdiction for the incident. To my exasperation, the credit card companies refused to acknowledge the transaction as fraudulent, instead insisting it was merely a billing " dispute. '' As such, they did not investigate the case as fraud. Although a billing dispute did ensue with the merchant through the bank, ultimately I lost the case due to the merchant producing an alleged piece of evidence ( a copy of the signed receipt ), thereby closing the case in the favor of the merchant. I attempted to notify the banks that this piece of evidence was falsified by the merchant and pleaded my case that I never received the goods and services that were itemized on the receipt, to no avail.
I am filing this official compliant with the CFPB today against Barclays Bank in particular. Not only because I maintain my claim as the victim in this case and of the falsified evidence used in the dispute, but also because I believe the banks wrongfully did not pursue my case as fraudulent, despite the fact that extortion/coercion is illegal and the transaction was a result of criminal activity. By demoting the incident to a mere dispute and refusing to classify it as a case of fraud, I believe I was treated unjustly and my rights as a consumer were not upheld. Therefore, I am requesting the credit card companies and banks involved to credit me the entire amount of the fraudulent transaction.
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| 08/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I made a reservation ( in my daughters name XXXX XXXX ) for XXXX on XX/XX/XXXX total amount {$5900.00} for travel in XXXX, XXXX. On this day XXXX charged the first half of {$2900.00} ( this was charged on Banana Republic Card serviced by XXXX ) in XXXX, XXXX Banana Republic transferred service to Barclays. On XX/XX/XXXX, XXXX charged the remaining balance of {$2900.00} ( charged to Banana Republic serviced by Barclays. We experienced issues with our reservation and XXXX submitted a refund for both transactions on XX/XX/XXXX. I received the refund of {$2900.00} to Barclays and it appeared on my statement. However, I have yet to receive the {$2900.00} which was charged card when XXXX was servicing. I submitted a written dispute to Barclays in XXXX, XXXX only for them to close dispute. To make things clear I am disputing the credit owed to me on the charge of {$2900.00}. I have made contact with both institutions and have got no where with this issue. XXXX has provided confirmation for refund and has provided this tracking number # XXXX. At time of reservation I only provided information for XXXX -Banana Republic card. Yet somewhere the Barclays-Banana Republic was charged with second half of reservation. I don't understand why both credits didn't make there way to Barclays- Banana Republic card. Barclays has a received written dispute in XXXX, XXXX and verbal dispute XX/XX/XXXX ( Dispute # XXXX ). Today I spoke with Operater ID XXXX ( XXXX XXXX in the Dispute Department who claims I need to resubmit dispute in writing and that XXXX dispute has been closed. I have spent countless hours making calls to both institutions, filing disputes to get no where. All I request is that I be returned {$2900.00} of money that I paid to both XXXX and Barclays. They have received my payments as well as refund from XXXX.
I'm dumbfounded how in a merger two institutions of this magnitude don't have some type of a process or protocol to resolve issues like this. I've been ping ponged back and forth for the last eight months in reference to this issue.
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| 02/22/2016 |
Yes |
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Web |
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The credit card I received from Barclays expressly said on the advertising that there was no annual fee. I have the original paperwork I received from Barclays where it states that there is no annual fee. They charged me an annual fee. I disputed it in writing, and sent via certified mail. They did not respond within 30 days, and have not acknowledged my dispute. It has been several months, and over time they have added late fees and harmed my credit reports. I also telephoned them ; they told me that they were investigating, and promised in writing to remove the negative information on my credit reports within 1 month. More than 3 months later, they finally removed the charge, but the damage on my credit reports remain, and there is no indication on my credit reports that the charge was disputed.
Barclays sent me a letter claiming " We called you several times to discuss your concern, but were unable to reach you. '' I do not remember received a phone call related to this, but I know that I telephoned them starting in XXXX over this issue, and again in XXXX and XXXX.
I believe this problem occurred because I originally applied in XXXX for a Barclay Arrival+ Mastercard that did include an annual fee. Before the annual fee was charged almost a year later, I called to cancel the card. Their sales team convinced me to switch to their fee-free card ( the Arrival Barclaycard Mastercard ), and I agreed. I received the new card in XXXX XXXX, with new terms and literature showing that there would be have no annual fee. After 10 months, I was sent a courtesy letter informing me that I would be charged an annual fee. But the letter did not state that it was a change in my card terms of that I otherwise could avoid the fee. I telephoned, and the account representative confirmed on the telephone with me that my product has no annual fee. I then carefully watched for my XXXX bill, and found that the account representative was wrong. There was an annual fee charged even though Barclays allegedly converted my card to a card without an annual fee.
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| 11/16/2017 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Company closed your account
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Web |
Servicemember |
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My savings account with Barclay 's bank is a matured account having been opened more than 30 days. On XX/XX/XXXX, I notice my account was restricted. When I called in on the XX/XX/XXXX, I was asked several security questions and service was restored. Subsequently I mobile deposited several checks from the California State Treasury. On the checks themselves is written that they are valid up to 1 year from the date of issue from the California state treasury. However, when following up regarding the deposit I was told that the checks were stale dated and my account would be restricted until further notice. This is despite on the checks themselves it is clearly stated that the checks would be honored up to 1 year from the issue date. It had only been a couple of months. The representative asked me to callback in a few days, to which I did. When I called back I spoke with a gentleman who I confirmed my XXXX XXXX with. That representative said all he needs is a driver license, SSN, and a recent bank statement or utility bill in order to remove the restrictions. He told me it would take about 5 minutes. I successfully received the email from the rep and provided the documents as requested. When calling back to confirm the receipt of that documentation I spoke with a rep by the name of XXXX. XXXX said that there was no record I had called before and that no email had been sent out to me and that my account would be closed. Knowing that what she was telling me was factually inaccurate I requested to speak with a supervisor to which XXXX denied. She also refused to answer any of my questions. My concern is that my account was wrongfully closed. Additionally, I was mislead in providing documentation and personal information that was misused and not used for the purpose it was provided. Moreover, I was provided I consistant information. Lastly, legal and valid California State Treasury checks were declined without justifiable cause and the status of those checks remain in limbo due to ill service provided to me by XXXX at XXXX XXXX XXXX XXXX.
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| 06/25/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
Older American |
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RE : Barclays Bank of Delaware Acct : XXXX Erroneous Closed Account and Improper Credit Reporting XX/XX/XXXX, Barclays closed my credit card account without any notice and shut down access to my online account preventing me to obtain any statements, etc.
I had not been using this credit card account as I was traveling out of the country and left this particular card at home ( not to incurr foreign transaction charges and for safety ). All my credit cards are also setup for auto pay. Upon return from my travels, I tried to utilize the card to book travel and was declined which alerted me to an issue. I then found I was not able to log into Barclays website to see what was going on in my account.
Called the company after several transfers was told by the representative who barely spoke English that the account was closed by Barclays due to our " XXXX BK filing ''. I explained that we were forced to go Bankrupt in XX/XX/XXXX and had never missed a payment since and certainly not to Barclays or any other company. Further note no such bankruptcy appeared on my wife 's credit and she has Barclay cards. He refused to talk to me. We lost our significant points with Barclays but more importantly our credit was damaged.
We ordered our credit and found the XXXX report included this account as having been closed due to a false XX/XX/XXXX Bankruptcy. We sent in correction request to XXXX which has gone without response from Barclays or XXXX. We have been denied other credit cards and this negative has affected my credit score which affects all my credit lines.
I am now in the process of a home purchase and again found this erroneous entry on my report. I don't know who caused the error Barclays or XXXX sending wrong data to Barclays. Either way neither company corresponded with us before closing the account or since in response to our request for correction.
I had thought the issue being clearly a mistake was working its way thru experians system and would be corrected and honestly forgot about it until I applied for a home loan last week.
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| 10/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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I was a customer of XXXX XXXX XXXX XXXX XXXX program, that automatically rolled over to Barclays XXXX XXXX XXXX XXXX in late XX/XX/2022.
I received email notifications of this transfer, however I DID NOT RECEIVE MY NEW CARD, CARD MEMBER AGREEMENT, NOR ACCOUNT INFORMATION by the close of the new billing cycle on XX/XX/2022. I believe I was still able to access my account balance from Synchrony, and when I called Barclays, the tele-banker could inform me of my balance, however she could not accept payment via telephone, nor could I establish an account online without the full account number. As a result, no payment was made!
I was assured REPEATEDLY that I would not be charged given I had not received my account information, and IN-FACT, my card was not supposed to necessarily have been received yet (! ), it was showing that the mailing window of 7-10 days had not yet been reached.
When I was finally able to access my account, by late XXXX, there were, of course - LATE FEES AND INTEREST CHARGES. I contacted the bank, as there also appeared to be charges from unrecognizable vendors.
By the time of my next statement ( XXXX ), no actions had been taken to resolve the original LATE FEES, nor interest charges, nor had there been any communications regarding the reversal, then re-charging of the questioned fraud I had reported.
I wrote to the bank via their online messaging center, the issues were still not resolved, and I was told that because I had not made the payment by the due date ( no matter what had happened ) I would have to pay interest fees and late charges.
By XXXX statement, I was fed up - I closed the account, reconciled the fraudulent charges myself, determined the balance less the late fees and interest, paid-in-full and am still waiting for the bank to reverse their charges due to THEIR ERRORS and FRAUD.
Currently, my account is closed, all charges are paid - and now I am being charged interest only on ALL of the fees and interest DUE TO THEIR ERROR and inability to properly address the issues.
PLEASE HELP
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| 04/03/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Subject : Complaint about Barclays Bank ( Barclaycard ), Delaware On XX/XX/XXXX, I bought educational programs from Company called XXXX XXXX. I spend almost {$50000.00} for this. Using the credit cards that they pushed me to open in order to fund them. These credit cards of XXXX bank, XXXX XXXX XXXX, XXXX and XXXX were for the same purpose of paying the above mentioned company ( XXXX XXXX ). With this purchase I was supposed to receive 16 sessions of " one-on-one '' marketing training over the XXXX in order to be able to market back their product and get commissions. However, instead of getting the promised training, the assigned coach asked me for additional $ XXXX - $ XXXX, and didn't train me the way they had promised to do so. As a result, I received ZERO training.
I feel very much tricked and cheated, so I called the credit card banks to file for dispute.Out of all these banks, XXXX XXXX resolved my problem within the first 10 days and returned the full credit to my account which I do appreciate a lot.But today, XXXX XXXX Which I filed for complaint on XX/XX/2018 and provided them with all sorts of documents and contracts said they can not help me because in the contract between me and XXXX XXXX it says it's nonrefundable. They refuse to see my point to even refer to the contract in full. If they take time to review the contract, they should also see that XXXX XXXX, were supposed to provide me with a service which they obviously didn't. Therefore, it was them that breached the contract in the first place.
What is the point of having Barclays bank credit cards ( Barclaycard )? To make sure you get ignored when you don't receive the services you are promised by the vendor? Just because they don't want to spend enough time on correct and complete investigation of everyone 's cases, you should get screwed? Or is it because they don't want to give up on the commission they make from a dishonest organization, they refuse honest hard working people of their promised benefits / rights? Which one is it? I would like to know!!!
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| 11/05/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I applied and was approved for a XXXX XXXX XXXX credit card which is sponsored by Barclay 's bank. I used the XXXX credit card to purchase excursions on the cruise which were discounted by 20 % if purchased with this particular credit card. For my general expenses, my XXXX XXXX debit card was on file and used for food, drinks and the spa. My ex-husband was also on the cruise and stayed in another room with his mother. He kept his debit card on file with the cruise for his expenses as well. His debit card was used and XXXX XXXX attempted to " force post '' certain expenses onto his debit card but his bank rejected them since he did not have enough funds available in his checking account. Because I have his last name, they forced the charges on my XXXX XXXX without my permission! When I called XXXX, they acknowledge they should not have done this but refused to remove the charges unless he presented them with a valid credit card. I told them not only do I not speak to my ex-husband to make such a request, but this is illegal! They can not just use a credit card they were never authorized to charge for someone else 's charges! XXXX XXXX is clearly committing fraud. I contacted Barclay 's, the sponsor of the card, and while they sympathized and agreed XXXX can not do that they actually told me to get my ex-husband to fill out a form with his credit card number and they can remove the charges from my account! I threatened to sue the bank and report them to the regulators and after fighting with the fraud department they agreed to submit the fraud dispute to mastercard but were unwilling to provide me proof that they would indeed handle this according to the law. The Barclays rep said that if they can not resolve the complaint within 90 days then I will be held responsible for my ex 's charges and should just sue him for it! I am appalled that they are doing this to people and are helping barclay 's commit fraud! i have attached my statement. as you can see I always paid my charges in full except I refuse to pay for charges not mine.
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| 03/18/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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Web |
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I had a credit card with Barclays. The dispute came from fees they assessed against my account. I always pay my bill in full, and they suddenly charged over {$50.00} in interest one month. I discovered later that they did this because they accidentally posted a payment on my account, and they charged me interest for three months from the time they posted the payment until they discovered the error. During these 3 months, I had been paying the full amount on my bill by the due date.
When I discovered Barclays ' error, I made the payment in the amount that they had posted, but I contested the amount of interest because it was not my fault. I received 3 standard responses that " We are unable to complete your request. '' I stopped using my Barclays credit card, started making arrangements to get a new credit card, and I used {$75.00} in " rewards '' to reduce my balance. Then, I received a letter dated XX/XX/XXXX that stated that they had posted {$29.00} in " interest charge-purchases '' on my account on XX/XX/XXXX. The amount was the balance on my account, not the fees/interest that Barclays had charged on my account. Regardless, upon receiving that letter, I wrote a check in amount of {$29.00}, returned my credit card, and asked them to close my account, with the hope that I would no longer deal with Barclays.
Since then, I have continued to received bills from Barclays. Apparently, they are charging a fee over {$20.00} per month on an account that has been closed and paid in full. In XX/XX/XXXX, I sent a letter to explain that they had not properly investigated my dispute, and that I should get a refund instead of bills. I received no response. Instead, I received a new statement in the amount of {$41.00}.
I am writing to complain that Barclays ( 1 ) failed to investigate a dispute as required by the Truth in Lending Act, and ( 2 ) continued to charge fees on a closed account that has been paid in full.
I am attaching my correspondence with Barclays regarding this matter. Thank you for any assistance you could provide.
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| 04/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
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|
Web |
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On XXXX I purchased an XXXX XXXX for {$550.00} after tax using the Barclays / XXXX XXXX XXXX credit card. The purchase posted on my redit card XXXX. One of the published benefits of the credit card is extended warranty protection. When the XXXX XXXX failed outside of the manufacturer warranty on XXXX, I contacted Barclays customer service to file a claim. The documentation on Barclays website advised me to file a claim at XXXX ( XXXX, XXXX ).
I filed a claim ( Claim XXXX ) on XXXX 's website on XXXX, and was asked to provide additional documentation : Sales receipt, statement of manufacturer warranty, credit card statement. Additionally, a repair invoice and diagnostic from an authorized service center stating what is wrong with the product. Finally, on XXXX they tell me to call them because there is an update. I do, and they tell me that they do not offer extended warranty protection benefit for this credit card.
I call XXXX about the benefit, and they tell me I need to talk to my credit card provider ( Barclays / XXXX ). So I call Barclays customer service XX/XX/XXXX and ask them to confirm that my card has extended warranty protection. They say it does, so I explain what happened. They say they will open a case ( XXXX ). A month later on XXXX, I call to ask for a status update for the case and they tell me they can not provide information, I need to talk to their Disputes Team on a different phone number. I call the disputes team, and I'm told the case was cancelled XXXX, and that I need to call XXXX.
I ask to speak to a supervisor, because this was going in circles. They transferred me to one, and this time they actually got XXXX on the line to confirm XXXX statement about not providing the benefit, but that the benefit WAS advertised for my card. they again took notes about the problem, and opened a new case ( XXXX ).
I am filing this complaint here in tandem because I have already spent a lot of time trying to figure this out for them and I feel that other consumers should not have to go through this trouble.
|
| 10/24/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
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|
Web |
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|
Barclays Bank Personal Loan Mail solicitation for Personal loan fixed for XXXX months up to {$35000.00} Rates starting at 4.99 % I received a print ad on XX/XX/XXXX that does not expire until XX/XX/XXXX. The ad states that XXXX XXXX ( me ) has a pre-selected confirmation.
For Fixed APR as low as 4.99 % with no fees I was issued an offer code to input and directed to www.barclaysloanoffer.com.
The site immediately states 5.99 % is the lowest rate ( before I even enter any personal info or invitation code ) After, entering the invitation code. The site asks some personal info but does not ask for permission to run credit check.
Then I was give 3 options to choose in order to move forward which were much higher than the solicited rate ( note : I have excellent credit ) The site states that if I choose one of the options a credit check will be performed but will not ding my credit score. There is no option to move forward unless a much higher rate is chosen.
After calling the customer service # I was told by the rep that the solicitation " is no longer valid and lowest rate is 5.74 % because of prime rate going up '' additionally, I was told that " the marketing department generates the solicitations months ahead of time ''. After, requesting supervisor XXXX rep # XXXX. I was told that the 4.99 % was expired and now lowest is 5.99 % however she then changed her statement and said the 4.99 % was only available to a private few who received the solicitation.
I was told I must have not have high enough credit to qualify for a better rate and then transferred me to the finance department.
Another supervisor XXXX rep # XXXX claimed my credit score was XXXX and that qualified for the much higher rates. However, when I asked what was needed to qualify for the 4.99 % rate advertised she said she did not know and at no point could tell me the requirements needed to qualify for the advertised rate. Also XXXX acknowledged mistaken statement by other reps and said internal training would be done! but would not honor my advertisement
|
| 01/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
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While on a flight on XX/XX/XXXX, I was incented to apply for a credit card with Barclays bank to get XXXX bonus miles the first time I used the card for any amount ( " welcome bonus '' ). Subsequently my application was approved, I received the card in the mail, and activated it without a problem. The first time I attempted to use the card at a local merchant on XX/XX/XXXX - the charge was declined. I tried using the card again the same day at another merchant with the same result. On XX/XX/XXXX I spent 30 minutes with their customer service call center to finally get an answer that my card was not able to be used until I provided 'know your customer ' documents by mail to the bank in spite of already being a Barclays customer with another open credit card. And, the Security department is not open on Sunday so I would have to call back. I requested confirmation in writing of which documents would be acceptable to clear the XXXX and be able to use my card.
I was traveling internationally during the following week and attempted to use my other Barclays card on XX/XX/XXXX and that charge was declined. I called the Customer Service number again and was told they couldn't help me and I need to call a different number. That resulted in a call to a call center with a 90 minute wait time, directed to their customer service website that has no option for providing any XXXX documentation or list of acceptable documents.
So now adverse action has been taken on both of my credit card accounts ( no access to my available credit ) without a solution or any documentation on why ( no written direction was received after my XX/XX/XXXX request for how to lift the block on my card ). I also have a specific timeframe to use my card to get the promised XXXX miles in my airline account and no way to use my card to get them. This also feels like a bit of bait and switch, there is no apparent reason for my account to have been flagged for XXXX documents since I'm an existing customer. And the clock is ticking on me being able to get the reward.
|
| 10/26/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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In XX/XX/2018, I noticed that my Barclays XXXX XXXX card had many charges that I did not recognize. I asked my wife and she said she didn't make those charges. In any case, she has her own XXXX XXXX Card. I then called Barclays immediately to report the issue. At that moment, we went through all the charges that were fraudulent and they said they would do an investigation. After that call, I followed up periodically about 3-4x and each time they said the investigation was ongoing. I had multiple conversations on ( XX/XX/18 ) and Barclays took the stance that since this is a chip card, there was no way that I and someone else could be using the card unless I gave someone authorization to do so. That does make sense.
I then asked them about a new card they issued me in XXXX. They said, " well you called claiming fraudulent charges then so we issued you a new card. '' I replied with, " can you review that inquiry please? '' After reviewing that inquiry, they noticed that they offered me an upgrade so they issued me a new card. Hence, I did not call about fraudulent activity in XXXX.
I then asked them if there was a possibility that two cards were active during the same period because I can say for certain that I was using my card during this fraudulent period. They said that this couldn't happen. I don't believe this because I'm seeing charges from merchants that I've never been to ( XXXX, XXXX XXXX, XXXX, XXXX ). There are days that I buy gas for my automobile in XXXX, MA and this fraudster was buying gas at XXXX XXXX XXXX XXXX the next day. I only have one car and use one car. They are not willing to investigate further and have told me that I should have went to the police. I totally get that I should pay for these charges if I made them, but they aren't doing any work to figure out if it was me. They simply say, " we believe you made these charges. '' Truthfully, I spend over 50,000 a year on my card. I didn't make these charges. They also have a Fraud Guarantee but they aren't working with me to absolve these issues.
|
| 03/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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InXX/XX/XXXX and XX/XX/, my Barclays Master Card showed a charge for {$100.00} each. The payee was The XXXX XXXX XXXX. I had terminated my membership with them in XX/XX/. There were no more charges afterXX/XX/XXXX ( or XX/XX/XXXX? ) ofXX/XX/XXXX. Then, in XX/XX/XXXXand XX/XX/XXXX, they charged me again.
I called the XXXX XXXX. They stopped further charges but never refunded me the {$200.00}. I then filed a dispute with Barclays. They asked me, naturally, for a report. Even though I already gave them all the facts in my first complaint, I did it all over again. Then they gave me credit for the charges. Then they left me a voice message and demanded I give them the facts again within like 2 days of the message. I did not get the message until after their ( arbitrary ) deadline. Nonetheless, I also got a letter in the mail requesting -- once again -- the facts. I -- once again -- gave them the facts. I received an email telling me that my case is closed because I did not respond ( XXXX! ). They reversed the credit and I am again out {$200.00}.
The XXXX XXXX is NOT entitled to my money. Barclays is violating the lw with their non-actions and ridiculous run-arounds.
It is YOUR job to enforce the laws. DO IT!
Barclays is doing this because they know darn good and well that the XXXX XXXX in the White House appoints other XXXX XXXX to the agencies who then sabotage the mission of that agency. Like destroyers of the planet for the EPA. Or oilmen for Interior. Or incompetent XXXX for Secretary of State. Or XXXX, XXXX, XXXX XXXX XXXX for Dept of Justice. Therefore, I have no illusion that the Consumer Financial Protection Agency, hero XXXX XXXX 's super accomplishment, will actually do anything about this. In fact, you all ( XXXX appointees, I am talking to, not career workers who have to suffer ) probably got together with the big banks and made lucrative deals to stick it to the workers, consumers, and small, local banking outfits.
But I am making this complaint anyway, because I dare you, XXXX XXXX, to actually ignore me.
|
| 06/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
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|
I took out a debt consolidation loan at my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) on Saturday, XX/XX/. A check from my credit union for the amount of {$9500.00} along with a copy of my Barclay 's bill attached to it was mailed to Barclays on Monday, XX/XX/. The check cleared my credit union 's account on XX/XX/.
When time had passed and I had not heard back from Barclay 's regarding subtracting the money off my balance, I contacted Barclay 's and they began an " investigation '' into the lost check. I was told they needed a copy of the check, so I made an appointment with my XXXX XXXX and sat down and called Barclay 's with the loan officer present. The loan officer sent everything asked for.
I think I received an email asking for the same info my XXXX XXXX had already sent, so I disregarded it, assuming it was in error. On XX/XX/, Barclay 's added the provisional credit they had given me back onto my balance. I received an email that said I owed them a $ XXXX payment, so I called immediately.
I spoke with XXXX XXXX did not get number ), and then her manager, XXXX ( XXXX ). They basically told me it was put back on my account because I did not follow through with sending them the front and back of the check copy. So I have to make an appointment with my XXXX XXXX again to get this taken care of yet again. ( My credit union loan officer said they have had issues with Barclays before exactly like this. ) Here 's what I think is going on : Barclays has had close to {$10000.00} from my XXXX XXXX since XX/XX/. They have been earning interest on this from whatever account that money was put into ( certainly not my account... but a general pot. ) So is this is a scheme to make money off interest while sticking their customers and giving them the run around? I don't know, but I know it can not be that hard to track a {$9500.00} check when given a certain string of dates along with the routing n umber it came from and the check number.
I may never get all this interest they've placed on me back either.
|
| 03/10/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
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|
Web |
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This is a loan through XXXX owned by Barclay bank. ( General Inquiries XXXX International ( Call us collect ) XXXX Fax Number XXXX ) I paid off loan early on XX/XX/XXXX for XXXX ending in XXXX I never received a credit refund of XXXX. I called XX/XX/XXXX after being advised to wait 25 business days to receive. I called on XX/XX/XXXX to inquire and was told they would escalate for a supervisor to call me and get the refund sent. I never got a call from a supervisor. I called XX/XX/XXXX the representative said a supervisor tried to call me with no answer. I never received a call from a supervisor or a message from a supervisor. I called XXXX. Same process. The representative could email an escalation to a supervisor and have them escalate and help me. No supervisor call. I ask if they could just send my refund money they owed me. No. The representative could only email someone else. I ask to speak with someone and was told I could not talk to anyone. I had to wait for a supervisor to call me.
I called again XX/XX/XXXX. I ask for my refund check and they said I was to get a call and it was escalated. I asked what did this mean and was not given a proper answer to why I have not been issued my refund check of XXXX I called again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I never received any supervisor call or message that they called. I just want them to send my refund check of XXXX. Finally I called again on XXXX. SAME runaround. I am beyond frustrated and angry. I paid my loan off. They owe me money and it has been over 4 months they still have it. I tried to answe a call on my phone today after 2 rings and was hung up on. I called back the number and it was Barclay Bank that was not able to receive called. XXXX!! It rang 2x. I called the only number I have XXXX to ask about this notation on my account said they tried to call me. I asked again for my refund and have a supervisor called me. This is wrong and a violation of my personal consumer rights!!! I want to complain and get help getting my XXXX back! Thank you
|
| 11/10/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
My card details were stolen and used fraudulently on XXXX XXXX & XXXX XXXX. I called, we jointly identified 3 fraudulent transactions and a case was opened.
On XX/XX/XXXX I called the credit card co bc several legitimate transactions had been charged back for a period of several months. They assured me these would be corrected.
On XX/XX/XXXX I called again to let them know 2 chargebacks had not been corrected. I paid these bills with the companies concerned for a second time - one was XXXX and I did not want to be without coverage and the other was a medical bill I did not want sent to collections.
On XX/XX/XXXX I was told by the credit card company that the chargebacks were being corrected and there was possibly a delay with funds being sent from Mastercard which could take up to 2 billing cycles to arrive. I was refunded {$25.00} to my account to cover a chargeback fee applied by the medical billing company.
In XXXX, XXXX received the reimbursement and sent me a check for the duplicate payment. This left only the medical bill to be resolved. On XX/XX/XXXX I received a letter from Barclays stating that my case was now with a dispute specialist, and that a temporary credit would be placed on my account while it was in dispute. I have never received the temporary credit.
On XX/XX/XXXX Barclays wrote again stating that they had contacted the medical company and were awaiting a response. They again said a provisional credit was placed on my account. I still have not seen the credit.
On XX/XX/XXXX I wrote again to Barclays, confirming that I had not received the credit and also reiterating that the original bill was not in dispute. They billed, I paid, Barclays incorrectly charged back, they did not reimburse, I was rebilled, I paid, I have not been reimbursed. As of XX/XX/XXXX, the medical company has not received a correction to the chargeback. I have provided Barclays with the medical bills, and a statement covering the period in question. This incident is now over one year old. Phone calls get me absolutely nowhere.
|
| 08/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I was exploring the Barclays Uber Visa card website XXXX XXXX XXXX XXXX XXXX XXXX when I saw the credit limit increase button. I clicked on it to request an increase because I had this card for at least three years, and never once did their system update my credit limit from a low {$500.00} to a more fair value related to my credit score or history with the company. So I click this button to ask them to increase my credit limit without seeing anywhere they would process a hard inquiry to increase my credit limit. If I knew that they would make a hard inquiry, I would not have requested the increase. After all, none of my other credit card companies have charged me for a credit limit increase. Furthermore, none in the past have made a hard inquiry if I initiated this change. Therefore, I feel that the Barclays card was not clear enough disclosing that they would perform a hard inquiry.
When I called their customer service line ( XXXX ) today, XX/XX/2021, at XXXX XXXX, I was able to connect with a representative who told me at approximately XXXX XXXX PT that she was not for sure where the wording is ( but is claiming it is somewhere like on the website ). I asked her to connect me with the department that would know more about my credit line increase questions. They placed me on hold, and then they hung up on me XXXX or it disconnected XXXX instead of being transferred to the department that would know more. On the next call at XXXX XXXX I requested that the customer service representative connects me with their department that would know about the credit line increase issue and questions I would have. This agent also put me on hold, but they eventually shared a line and, although vague, confirmed a disclosure is somewhere and that this is the company policy. She was also unclear about how their " system '' would determine credit line increases. Nevertheless, I would like them to remove the hard inquiry because it is not readily apparent that I would receive a hard inquiry to request a credit line increase with Barclay.
|
| 03/04/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
Problem : {$1300.00} worthy of Uber Visa Card points are forced to depreciated into {$250.00} uber cash Late XX/XX/XXXX, Barclays relaunches the Uber Credit Card. In the informing email sent out to its existing card-holders, it only emphasized the change of new rewards earning structure, including earn 5 % back in Uber Cash, mentioned all rewards points would be converted into Uber Cash if not asked to be redeemed by card-holders before XX/XX/XXXX.
Mid-XX/XX/XXXX : I redeemed {$250.00} Uber Cash, which is marketed as " earned this billing cycle. '' I couldn't help notice that there was {$1000.00} marked as " earned last statement '' but I was unable to redeem them because {$250.00} was all that the Uber app showed as " available to redeem. '' ( Please see attached Exhibit A and B for reference ) I called up Barclay and they asked me to seek help from Uber, so I did. Then Uber asked me to address the issue Barclay, so I called Barclay again. This time they agreed to open an investigation for me.
XX/XX/XXXX, I received a letter from Barclay asking me to call them for more information about my case. I was informed by the representative that the {$250.00} I redeemed are of the same value the {$1300.00} rewards points in the past and therefore she could not help me match the discrepancy. In other words, my {$1300.00} worth of rewards is depreciated into 20 % of its original value because Barclays and Uber decided this is how they want to do their business.
My complaints : 1. This is an atrocious breach of trust and contract, not only because this is not the term I agreed when I signed up for Uber Cash, but also a fraud of allowing card-holders to assume that they reward points are of the same value in U.S dollars only to be redeemed in a limited manner.
2. The email that was supposed to serve the purpose of informing card-holders change of contract terms was opaqued by the highlights of new benefits and encouragement of usage of Uber Card, which in its very nature is advertisement and a distraction of important notice.
|
| 08/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XXXX of XXXX, I noticed 3 fraudulent charges on my account : for merchant XXXX on XX/XX/XXXX, in the amounts of XXXX and XXXX, and for merchant XXXX XXXX, on XX/XX/XXXX, for XXXX. I called many times trying to flag these fraudulent charges. When I first started calling it was impossible to get through at all -- there was a message just saying something like, " we are very busy during this transition from XXXX to Barclay 's, and just can't talk to you right now. '' Then I made many more calls. After getting disconnected many times, and getting transferred all over the world, I got charge from XXXX XXXX taken off, but not the others. But please note that they never gave me any provisional credit while there investigations were underway. Over the rest of the summer I made numerous calls, got disconnected and transferred countless times, was told the complaint had been investigated numerous times, and was never issued a provisional credit. At no time did they ever send me an email acknowledging any of this, not even when I filled out the fraud form on their websited ( screencap attached ). Finally, around XX/XX/XXXX, they removed the remaining fraudulent charges. Then, after I called again, got disconnected, transferred, etc., they removed the late charges they had spuriously charged to my account. But AT THE SAME TIME, they reported my account as delinquent to one or more credit bureaus. I just called and spent hours trying to get them to do something about this. The answer was, you guessed it, no dice, we are doing nothing.
This is the worst credit card I have ever used, in 27 years of using credit cards. It's both XXXX and Barclay 's that are at fault, though Barclay 's had the temerity to tell me that it was all XXXX 's fault. The only other time I had similar trouble in getting fraud prosecuted was when I was living in XXXX XXXX around XXXX, using the debit card for a XXXX bank. So the fraud protection this card offers seems to be comparable to the standards of the developing world around the turn of the century.
|
| 03/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
If you look at my account in XXXX, I had a XXXX balance. In XXXX somebody had found my card and decided to use it without my knowledge without my permission. I am mediately called you. I reported every transaction in XXXX. Let me repeat that I reported every single transaction in XXXX as fraud. I was told not to worry about it you had marked everything is fraud and you were going to investigate. Two months later I received a letter from you stating that the fraud investigation had been resolved and Im not responsible for anything. For some reason I have a balance of {$2400.00}. You have been charging me interest for the fraudulent transactions which Im pretty sure its against the law. Youve also charged me the late payments for the fraudulent transactions again pretty sure thats against the law. Im not sure if youve increased my APR or not to a penalty rate because you claim I am behind. First time I called today I was speaking with a woman. I explained that I had a XXXX balance. Then I had fraudulent charges after they were investigated. I should have a XXXX balance, but I dont for some reason. She put me on hold and then hung up on me. I called back. I got a gentleman this time who was clearly confused by what I was saying. It seems so simple. Its obvious that you have not credited for me and I shouldnt be charged interest in late fees on a fraud investigation. He put me on hold multiple times then tells me I should contact customer service keeping in mind that I spoke with customer service and they were the one that transferred me to the fraud department. The fraud department wanted to transfer me back to customer service. The automated system said that the call is being recorded and monitored or maybe the agent said it was being recorded and monitored. If thats actually true, you should go back and listen to this conversation. Im being is polite as patient as simple as I can be, and Im clearly confusing the guy With all due how did this guy get his job? Hes really nice but clearly is clueless as to what hes doing.
|
| 11/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Barclays Bank submitted delinquency information related to my account. There were unique circumstances that led to the failure to pay the balance for two months, which has had a significant impact on my and my husband 's credit scores, and consequently, our family 's financial situation.
Lack of Bank Statements : I did not receive bank statements for my Barclays Bank credit card account, which made it difficult for me to monitor my account 's status. The absence of this crucial information left me unaware of the pending balance.
Physical Credit Card Absence : I did not, and do not, have the physical credit card, which further hindered my ability to track and manage my account. Without the card, I was unable to readily access information or make payments.
Payment at XXXX XXXX : There was an instance when I made a payment at a XXXX XXXX by showing my driver 's license as identification. Unfortunately, I was not informed or provided with proper documentation to follow up with the charge, which eventually resulted in an unpaid balance.
Good Track Record : Prior to this incident, my credit history with Barclays Bank had been consistently good. The balance of {$200.00} was relatively minor, and it was an isolated and unintentional oversight.
XXXX 's Unjustly Affected XXXX XXXX : My husband is not the primary account holder, and he was entirely unfamiliar with the account in question. However, the adverse credit reporting has significantly and unfairly impacted his XXXX XXXX. This negative effect has caused serious consequences, particularly in relation to our mortgage and our ability to purchase the house we intended.
I understand the importance of maintaining good financial standing and honoring my financial commitments. I also recognize that the adverse reporting was a result of unintended and unique circumstances that I was not in a position to adequately monitor or address.
There were exceptional circumstances and the impact on our family 's financial situation for a minor hiccup has been disproportionate
|
| 02/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
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- XX/XX/XXXX - Phone call - ( XXXX XXXX ) I called the Barclays customer service as XXXX and spoke with representative XXXX XXXX
During the call I spoke to XXXX about my concern that my early payments where not being accounted for properly and that there was something strange with my account. Please note how Barclays focus shifts to some occurance with XXXX and not my initial problem.
XXXX said " There is some discrepancy beginning from XX/XX/XXXX '' and that there was an ERROR and she would open a case to be investigated ( Case ID # XXXX ).
-- -- - XX/XX/XXXX - Phone call - ( XXXX ) Checking on case - No update.
-- -- - XX/XX/XXXX - Official letter - Letter from Barclays ( attached below ) - Mentioning " We recently identified an error in which you did not receive the correct miles on your card account '' The letter states that there was an error. Vaguely explaining, what the error was and when the error was made. Stating that Barclays had : " calculated the correct number of miles and that they would be reflected on my account. '' -- -- - XX/XX/XXXX - Phone call - ( XXXX ) Called Barclays and spoke with XXXX ( Employee ID : TICMRP ) to understand what was happening with my account and to be updated on CASE and understand Letter received by Barclays.
After saying there was no visible error, he spoke with a specialist, and confirmed that " it will take 1-2 billing cycles for it to be resolved ''. Contradicting the letter in the mail and XXXX 's initial ( CASE XXXX ).
I was transferred to the supervisor woman named XXXX ( Employee ID : XXXX ) to understand If she could help me. She Assured me that the letter was sent out by accident and that there was no visible error on the account.
As of that moment I decided to pay the full account balance with XXXX ( Employee ID : XXXX ) to have more details on the record and in the near future close my account.
-- - XXXX XXXX - Formal Complaint to CFPB - After not being able to understand I am writing this formal complaint before having to get lawyers involved.
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| 11/03/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I applied for a credit card while vacationing in XXXX XXXX Nevada on XX/XX/2021 I was approved and received my Barclays credit card on XX/XX/2021 at my home address and called to activate it on XX/XX/2021. On XX/XX/2021 I tried to make a purchase with my Barclays credit card and found out that it had fraudulent charges XXXX that I did not authorize put on the card by merchant Wyndham Vacation. I called Barclays to report these fraudulent charges on XX/XX/2021, Barclays closed that credit card and issued me a new Barclays credit card with a credit limit of XXXX, I received the new card XX/XX/2021. I activated the new card on XX/XX/2021, Barclays investigated the fraudulent charges on the old card number and found that it was a fraud and sent me a new balance on the old card of XXXX balance and I received a letter from XXXX XXXX deleting the charges from my credit report. I start using my new Barclays credit card on XX/XX/2021, then on XX/XX/2021 I tried to use my Barclays credit card with the XXXX credit limit and found out that it was over drawn with fraudulent charges that I did not authorize again from the same merchant Wyndham Vacation on XX/XX/2021 Wyndham charged my card XXXX and again a second fraudulent charge on XX/XX/2021 in the amount of XXXX over drawing my credit limit of XXXX for a total of XXXX. I called Barclays to report these fraudulent charges and was told " I had to wait ten days to report these charges because they couldn't see the charges yet. I asked why they could not see the charges and I could see that my card was over drawn with fraudulent charges. XXXX is the person who told me this on XX/XX/2021 at XXXX Id # XXXX, I asked XXXX how was it even possible for Wyndham to fraudulently add charges to my card when I have only XXXX of available credit, but Wyndham was allowed by Barclays to fraudulent charge my credit card XXXX twice on XX/XX/2021 and XXXX for a total of XXXX. Barclays has yet to respond to these fraudulent charges so I called to have the second Barclays credit card closed also.
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| 01/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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XXXX XXXX putt my account in collection status as of XX/XX/XXXX. I did not open an account with XXXX XXXX and nor do they have my consent to report anything on my credit or any public record.
I had an account with Barclays, which I had to abandon because I had to leave the country to take care of my sick father. I tried to call from XXXX and make payments but my call was rerouted to different departments, with no one being able to collect my payment which was coming from a different country in a different currency. So the account was charged off. After returning back to USA after two years I was contacted by XXXX stating you can start paying and paying Barclays account, without explaining that Barclay has already reported this account as charged off in XXXX and no matter what i do XXXX can not remove that derogatory remark from my credit.
When I got accustomed to credit reports and what it means and figured out that I am making payment to a company which is not even affiliated with Barclays, I explained the whole situation again to then and asked them for my original contract with Barclays to see where does it say that they can not accept payment from me unless I am in US. To that they said that they can not provide original contract to me. So I refused to make any further payments, as I never opened an account with XXXX and the Barclays account has already been reported as Charge off, so what am I paying for at this point? Based on this conversation they reported my account as collections.
How can one account be reported negatively twice on the credit report. I do not acknowledge XXXX as the creditor, as I did not open or sell my account to them. I want the amount ( Approximately {$2000.00} ) I have paid till date back from them, as they cheated me with a false information and promise. Moreover they did more harm to my report by never reporting any payments I made till date, but instead reporting my account which has been previously charged off, in collections. How can a charge off account be in collections?
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| 10/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
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I have a balance on my Barclay Card ... XXXX. I asked XXXX XXXX ... XXXX for a balance transfer of {$2000.00}, paid to Barclay Card ... XXXX. XXXX XXXX ... XXXX only approved a {$470.00} transfer.
I contacted XXXX XXXX ... XXXX by phone at the beginning of XX/XX/2019, because I did not want a transfer in the amount of {$470.00}, I only wanted the transfer if it could be for the full amount of {$2000.00}. I was unable to speak to anyone who could assist me.
The {$470.00} transfer was sent to Barclay Card ... XXXX, from XXXX XXXX ... XXXX, on XX/XX/2019 and was received by Barclay Card ... XXXX on XX/XX/2019.
Since I could not get any assistance from Customer Service at XXXX XXXX ... XXXX, I called Barclay Card ... XXXX, around the time the transfer took place, and told them I did not want this transfer, hoping they could reject it.
Barclay Card ... XXXX said they would take care of it. They reversed the {$470.00} off of my account and kept the payment. They are charging me {$470.00}, even though they received and kept the payment from XXXX XXXX ... XXXX, in the amount of {$470.00}.
XXXX XXXX ... XXXX is also charging me for the {$470.00} payment they sent to Barclay Card ... XXXX.
I sent a certified letter of complaint to XXXX XXXX ... XXXX on XX/XX/2019. They contacted me and told me that if they receive the funds back from Barclay Card ... XXXX, they will reverse all balance transfer fees as a courtesy. But they are unable to do anything until they receive that payment back. I appreciate their response and attention to this issue!
I have called Barclay Card ... XXXX several times and usually they tell me they will send my account for review, but this issue is never resolved. I sent Barclay Card ... XXXX a certified letter of complaint on XX/XX/2019. I have received no response or resolution to this matter. I have emailed them at XXXX, still no response or resolution. Please help me get this issue resolved. I am being charged the same {$470.00} by both XXXX XXXX ... XXXX and Barclay Card ... XXXX.
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| 07/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I purchased XXXX XXXX Blinds and used an IXXXX XXXX XXXX XXXX XXXX installer in which I paid XXXX on XX/XX/2022. XXXX XXXX was responsible for measurement/ installation and for the blinds. I charged this amount XXXX to my XXXX XXXX. The measurement / installation and the blinds were all done incorrectly, the blinds have XXXX inch gaps on each side in which the sun can get right thru the window, the valance is bent and the sun can get thru the top of the valance in the living room. The blinds hang down and are not installed properly. I complained to XXXX XXXX and they did nothing to help. The measurement of the Blinds was done incorrectly, XXXX XXXX supplied incorrect blinds, and I complained numerous times to home depot, they did nothing, as If I had no other choice but to accept there terrible blinds that do not cover the windows. Since XXXX XXXX would do nothing to fix the issue, I called my credit card to dispute the charge for XXXX and XXXX not provided, defective product, and the merchant does not perform the services as described and refused to accept my return. Chargback codes- XXXX, goods and service not as described, or defective. I told XXXX that i only signed a contract on XX/XX/2022, i never signed anything that said i accepted the blinds / installation service, that is false. I only signed the initial contract to XXXX measure and install blinds by home XXXX and there install company. XXXX XXXX initially credited my account, then chargebacked my account stating i signed a document in which i accepted the job as is. I never signed anything that stated i accepted the job, that is false. XXXX XXXX did not defend my rights as a cardholder. I also supplied pictures in which XXXX stated that they could be incorrect pictures or airbrushed, that is a false implication from XXXX XXXX mastercard. XXXX XXXX XXXX did not live up to the issue of when a customer does not receive the correct item that they bought, plus installation and measurement are totally wrong and did not defend customer credit card rights.
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| 11/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases.
The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company.
The information for this account listed on my credit report is : BARCLAYS BANK DELAWARE, BALANCE {$1800.00}, OPENED XX/XX/2019, ACCOUNT XXXX
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| 10/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Request for Re-investigation of Fraudulent Transactions and Identity Theft Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request that my case of aggravated identity theft be reconsidered and re-investigated by the respective financial institutions : XXXX XXXX, Barclays, XXXX XXXX, XXXX, among others.
I have previously disputed fraudulent activities in my accounts with these financial institutions. Unfortunately, I have not been fully reimbursed for the monetary losses incurred due to these fraudulent transactions despite presenting substantial proof to validate my claims.
According to the United States Department of Justice, I have been a victim of aggravated identity theft, affirmed by several letters that they have issued to me as proof. This grave situation has not only caused me severe financial distress but has also impacted my credit history.
Therefore, I am seeking the intervention of the Consumer Financial Protection Bureau. I kindly urge you to instruct these financial institutions to properly revisit my case and conduct thorough investigations again into these fraudulent activities and transactions. It is crucial for me to recover the money stolen from me and also to ensure that such an incident does not reoccur.
To further substantiate my claim, I am ready to provide any necessary documentation or support that would be needed in the due process. I am keen to cooperate fully and provide any additional information as requisite to expedite the resolution of this matter.
Your prompt attention and assistance in this matter would be greatly appreciated. Please advise on the necessary steps I should undertake to progress this issue favorably. I, hereby, also extend my sincere thanks for your service in advance.
Thank you for considering my request. I look forward to a favorable resolution of this matter.
Sincerely, XXXX XXXX XXXX
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| 07/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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After suffering job loss and illness during COVID-19 and being late on an account, I was offered by the creditor directly on XX/XX/XXXX to " get up to date '' for the amount of {$100.00}. For this payment, I was promised to be moved back to " paid as agreed '' and the creditor would update my credit report so I would receive no more late marks. Additionally, I would receive no more late fees applied to the account and be given an amount to fully pay off the account once the payment processed. When this offer was made, it was made by the creditor directly, not a third-party.
I asked if I could just pay the account in full but was told that it was better to pay the minimal amount, have the late fees adjusted and then be supplied an updated pay-off amount either via mail or phone-call, most likely phone call within a week of the payment processing. I processed the payment immediately on XX/XX/XXXX via phone during that conversation.
Through XXXX and into XXXX, I was not contacted, I continued to accrue late fees and was not marked " paying as agreed '' on my credit report.
On XX/XX/XXXX I finally made contact with a customer service representative who said that the notes on my account were a mess and the situation was entirely mishandled but promised to make it right. I submitted a payment to him that day of {$350.00} to get everything up to date. However, late notices continued to be reported to the credit bureaus and the previous ones were never corrected.
I think this situation was mostly about an agent getting a quick payment to make her draw by offering empty promises.
The card is now paid off and closed and I have requested a full review of the account and corrections to my credit report several times, for which I have received no response in return except for a generic denial with no consideration of context.
Upon my last request, the creditor did finally update my credit report simply with the notation : " customer disputed, disagrees ''.
I'm attaching all correspondence to this complaint.
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| 05/01/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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|
Web |
Servicemember |
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In XXXX of XXXX , I received an invitation for me to apply for the BarClay Luxury Gold card from Mastercard w hich offered me as an XXXX XXXX service member 0 % APR and 0 % interest with the additional perk of waiving the annual fee of {$990.00} per year for the duration of my XXXX XXXX service. Due to my high tempo life style in the XXXX XXXX , this card was attractive in that it gave me more options and more attractive rates than anything I was able to find. I applied and was approved in XXXX and received my card soon after. After I received the card I made a phone call in about late XXXX , early XXXX , to the customer service to line to ensure that it was in fact 0 % APR and 0 % interest and no annual fee for the duration of my active service. They informed me that in order to ensure the Service Members Civil Relief Act ( SCRA ) was followed, they required me to send a copy of my XXXX , my orders and a few other things to prove I was in fact an XXXX XXXX service member, which I had no problem doing and did the next day. A few days letter I received a letter in the mail thanking me for my service and " I would be able to maintain my benefits of the duration of my service ''. In XXXX of XXXX , I received another letter stating that I am no longer eligible to receive the benefits they promised initially when I first signed up and charged me the annual fee of {$990.00}, but kept the 0 % APR. I looked on my account and they charged me for the annual fee. I 've mad e 2 phone call s to their customer service department and although when I initially signed up they promised me to never retract their offer, they now have. This was a very attractive offer for service member 's, however the fact the company has promised in writing to waive the annual fee, they are basically going against their promises and really putting it to the service members/users of the card. I have turned a few friends onto the card, because again, as a service member it 's attractive due to our lifestyle.
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| 12/17/2016 |
Yes |
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Web |
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On XXXX XXXX I decided to start shopping for flannel. Shortly thereafter I noticed there was a really attractive offer for an L.L. Bean Visa credit card, offered by Barclays. The specifics of the attractive offer was as follows : " Earn {$100.00} in L.L. Bean Coupon Dollars after you spend {$250.00} within the first 90 days of account opening '' This was great! I was tempted, and then I decided to go for it -I clicked on the link with the sign up bonus, went to the Barclay 's website, and on XXXX XXXX was approved for the credit card. Over the ensuing months I spent more than {$250.00} on L.L. Bean clothing, expecting to receive a {$100.00} in time for the holidays to get my mom something nice. However, when I sent a secure message to Barclays on Monday or Tuesday this week ( XXXX XXXX or XXXX ) asking about the status of the rewards, they claimed they had no records and could not help me.
I expressed my surprise and pointed out that I had expressly acquired the card based on this offer -I considered it to be a bait and switch to deny me the offer. However, despite several calls, Barclays decided not to fully assist me, claiming that there was no way that similar offers could have been made within the recent past. I did my own research to show several occasions of similarly worded offers since XXXX 2016, exact phrasing was markedly similar to the advertisements show to me when : 1 ) XXXXwww.llbean.comXXXX XXXX XXXX 2016 -this is by far the most similar, except for the offer being {$50.00} statement credit rather than the {$100.00} in coupons shown to me XXXX 2 ) http : XXXX ( XXXX XXXX 2016 - showing that similar offers have been made in the recent past and in fact within two days my sign up XXXX 3 XXXX ( XXXX 2016 -again, illustrating similarly structured offers ) There are similar offers throughout 2016. I am extremely disappointed to have been taken like this -I thought I was a prudent, financially careful person, but Barclays has proved me wrong by illustrating just how ephemeral their offer to me was.
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| 09/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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This card was LOCKED on XX/XX/21, and has NEVER been unlocked since.
On XX/XX/21 - 2 pending charges for XXXX/ea appeared from XXXX XXXX. I called Barclay on XXXX ( XXXX was a holiday ) when the charges were still pending. I was told by the rep that she could see from her side the 1st charge was declined and would fall off. She could not tell at that time if the second charge was or would also declined but stated it should be since the card was locked. She said if the charge went thru to call back and my account would be credited. The first charge did fall off but the second went thru and I called back on XX/XX/21 after it said processed. I was shuffled around from dept to dept as they all passed the buck on whos problem it was and who could issue the credit because " customer service doesn't have that ability. '' WOW- really? I have had a rep, a supervisor and others confirm the card was locked XX/XX/21, that the charge should have been denied and that I would get a credit from Barclay. A supervisor even stated more than once ( on a recorded line ) that this was a Barclay mistake not a merchant mistake. I was told more than once by multiple people I would get a credit for the XXXX. This still has not happened. I was also told I would get a phone call and/or email from the last gentleman who was also supposed to be a supervisor. Nothing to date. I called back in today XX/XX/21 to check on the situation and was put right back into the pass the buck blame game on other departments.
The entire point of locking a card is so that NO new charges come thru. This was not a recurring or subscription charge that is exempt from the locked status.
Barclay need to take responsibility for their mistake and issue the credit for {$32.00} and stop trying to give any excuse possible for their glitch, wrong algorithm or whatever caused this mistake on their end.
I just want them to do what they have repeatedly said they would and issue the credit I am due. Feel free to pull up the recordings from each time I have called.
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| 04/12/2017 |
Yes |
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Web |
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-Disputed charge with credit card company XX/XX/2016 -Was told by customer service that they would investigate dispute, send me notification of results -Disputed charge was removed from my account -Disputed charge was added back to my account. No notification in writing, or by email, or by phone regarding investigation was ever sent to me. No communication from Barclaycard regarding dispute -Contacted customer service again. Barclaycard claimed they had notified me in writing to say the dispute was ended. They ( conveniently ) had nothing to show that they had contacted me. No record of a letter sent to me. No email. No recording of a phone call.
-They did not contact me.
-I therefore called customer service regarding the most recent bill, with the disputed amount added back on, with no explanation -Customer service told me to pay the amount not in dispute and that I would not be charged interest on amount still in dispute -Next bill arrives : they have charged interest and a late fee.
-I contact them via social media, because there is no other way to get Barclaycard to respond other than by shaming them in public. Barclay card social media XXXX emails me with a phone number to call.
-Someone from Barclaycard US calls me, due to my contacting Barclaycard XXXX . Claims they resolved the dispute in their favor, and sent me a letter about it. Again, she has no record of this letter, no record of any email or contact with me regarding the dispute.
-Says she will look into it further and email me the next day -She does not contact me, the next day or ever -They are continuing to charge me interest. Needless to say, I have stopped using this card and will be closing this account and ending all further business with Barclaycard.
In the meantime, they are trying to grab more money from me over this dispute which they continue to neglect to investigate, charging me interest and late fees.
-I will be hiring a lawyer. The only thing these people at Barclay US respond to is forcible legal action or bad press.
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| 04/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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I have called Barclays Bank over five times for 3 charges that happened at the end of XXXX XXXX. I disputed the charges on the app. They sent me a letter saying they investigated and deemed I was responsible which was crazy since one of the charges I was across the United States for.
I then called them ... The first two times I was placed on hold at the fraud department for over an hour. The third time I called I told them not to send me to the fraud department and I spoke to somebody who I demanded help me. This was on XX/XX/XXXX. This lady made me actually call the company ( XXXX ) with her to investigate the charges the charges for XXXX we called XXXX and XXXX corporate and both of them said they did not have my card on file at all and they could not locate any transactions. The lady then told me that I was not responsible for the charges and the dispute would go through I have the case numbers : Case number : XXXX, XXXX, XXXX I then received a letter saying that only one out of the three charges would be disputed and the others were being investigated I then called back again for the fourth time and said this was ridiculous since they were all from the same store and I contacted the store with the lady and the store explicitly said that my credit card was not in their system and they did not have those transactions on file. They said they would escalate the claim.
I then got a letter saying that everything has been disputed but on my bill it still says that I owe the money and if I dont pay in a week I will be charged a penalty so then I call for a fifth time and they say theyre going to transfer me to the fraud apartment and I say dont do that because I am not spending an hour on hold and they said it wouldnt be an hour and they transferred me and after an hour nobodys picking up the phone so therefore I am not spending any more time dealing with this bank that clearly has issues and they are trying to steal my money!!!! They said it was disputed and are not removing the money from my account!!
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| 12/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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My card was compromised in XX/XX/2021. I called the number on the back of my card and reported the charges as soon as I noticed. Several days later, I noticed additional charges that posted and had not seen any communication come through from the credit card company. That XXXX told me that I reported it incorrectly and then sighed repeatedly as I listed off the fraudulent charges. Since then, they have notified me that they investigated the charges and found them to be valid, therefore, I must investigate and contact the merchants for documentation so that I can prove that these charges were not made by me. They actually said to me, " you have to prove to us that this wasn't you. '' I am XXXX months XXXX and do not have the time or money to do my own investigatory work. One of the charges was made at a gas station - I do not even know how to begin to call the gas station to ask them to help me prove that I've never been there.
Please see the charges below along with notes : XXXX XXXX XX/XX/2021 {$370.00} - This is a merchant I use regularly. I was able to finally reach a XXXX at this merchant who acknowledge that these charges were made fraudulently by someone who had created a new account in a different state.
XXXX XXXX XX/XX/2021 {$21.00} - This is a merchant I use regularly. I was able to finally reach a XXXX at this merchant who acknowledge that these charges were made fraudulently by someone who had created a new account in a different state.
XXXX XXXX XX/XX/2021 {$300.00} - This is a merchant I use regularly. I was able to finally reach a XXXX at this merchant who acknowledge that these charges were made fraudulently by someone who had created a new account in a different state.
XXXX XXXX XX/XX/2021 {$91.00} - I've never shopped with this merchant.
XXXX XXXX XXXXXX/XX/2021 {$46.00} - I've never shopped with this merchant.
XXXX XXXX XX/XX/2021 {$76.00} - I've never shopped with this merchant.
XXXX # XXXX XXXX XX/XX/2021 {$32.00} - XXXX believe this is a gas station in a different state.
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| 12/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
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Hello Consumer Protection Bureau, In XXXX of 2021 my credit card declined as I was using it because it supposedly hit the credit limit. However, I knew I had not hit the credit limit so i called the credit card company ( Barclays ). When I called they listed items on the account I had never purchased. We immediately logged those as fraudlent items to be investigated and then closed the account. However, Barclays issued another card ( not at my request and I did not know it ). That second card continued to have fraudlent charges hitting it but i did not know until I got another statement a month later. I called Barclays again and had them log those as fraud transactions and again close the account. This happened after trying to call the company several times and being put on hold each time for up to three hours each time.
A month later i got another statement showing i was still outstanding on a balance on the second card ( the one I did not request and never had in my possession ). The total outstanding balanace was {$7000.00} which was connected to a fraudulent transaction ( a XXXX flight purchase under a different name - not me - so obviously fraud ). I called again and the company said they applied a credit to the wrong card and they then cleaned it up and supposedly everything was fine. That call happened on XXXX XXXX. However, I got another late statement and then tried to call again. At this point, no one can help me. When I talk to the Fraud department they say they've cleared all the Fraud, when i call customer service, they just refer me to Fraud. I have tried to get a manager but no one can help.
I was a loyal customer at this company for 10 YEARS and ALWAYS paid on time. I never had a late payment for anything. This is the worst, worst customer service I have ever experienced and I would never recommend Barclay 's card to anyone.
I am really hoping that sending this through the consumer protection group will help get attention to this issue. I don't know where else to turn.
XXXX XXXX
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| 09/09/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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|
Web |
Servicemember |
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BARCLAYS BANK OF DELAWARE REFUSING TO ACCEPT PAYMENT FOR DEBT THAT HAS CAUSED A LIEN ON MY PROPERTY.
A lien was put on my property back in XXXX after a credit card debt was not paid. Barclays put a lien on my property which I only became aware of 2 months ago ( XX/XX/XXXX ) since I was trying to refinance my home. My ex-husband ( who caused the credit card debt ) had recently signed off the deed and my attempts to resolve the issue have failed, due to lack of cooperation and information from Barclays in order for the debt to be paid.
The credit card debt was sent to a lawyers office in charge of collections for the credit card debt. This was temporary and we were told by his office that the debt was back in Barclays hands.
Barclays has refused to accept the payment to tell us where the payment should be and that if we did send a payment we would NOT get a receipt.
The lien on the property wont go away until the debt is paid. We have the money to pay this debt but we are told that they cant give us information on this account and they cant talk about it. For a month now ( starting XX/XX/XXXX ) we have tried to contact Barclays using many different phone numbers in order to somehow get an answer.
( In comparison, XXXX XXXX sent a letter stating the amount of the debt for that card and that once it was paid the lien would be removed -- we received the letter within 48 hrs ) It is incomprehensible that Barclays is not being helpful in order that they receive the {$5000.00}. We want to pay this so the lien is taking off the property. We hope someone can help us through this frustrating time. ( penalties are still being added to the account each day since we cant pay for it. Settlement has been cancelled once due to this situation.
BOTTOM LINE : We need Barclay 's of DE to tell us how we can pay off the debt that is owed to them. An address, a receipt and a letter to let us know that the lien will be removed once the debt is paid! Only then can I move forward with refinancing this home.
Thank you,
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| 11/08/2017 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Problem accessing account
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Web |
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I have several on line CDS with Barclays Bank US. Barclays Bank US, sent me an email, as they do every month on line Statements ready to view. When I logged into my account as I have been doing for the past almost 4 years not only was there no statement, but all the prior statements had disappeared as well, as if the accounts were non existent.
I had also earlier written a review about Barclays Bank as I had become concerned about this Bank, when earlier I had inquired about Loans and interest rates. I was kind of shocked when they asked me did I have an invitation. They only lend by invitation, what a strange Bank I thought, so I asked them all the money I am putting in this Bank where is it all going? They refused to answer that question, so I did research about that and wrote a review on Barclays recommendations. This they deleted of course, as it seems they only want great reviews not truthful ones so they can suck in more people to deposit money.
I had become so concerned that the quarterly filings Banks file on earnings etc, I asked them where I could locate that, so I could check their financial condition. Their response shocked me that is not available and they are not required to file. While they have FDIC Backing and supposedly my money is insured. My question is why is this Bank not required to file as all other Banks do?
I became so concerned that the one savings account that I had left that could be closed without Penalty I did, and requ
ested a transfer that same day of all the interest earned on my CDS. I was told that it would have to be one transfer. This again was not completed on the Business day of Friday as I requested, but then on Saturday it was done that I had requested transfer of this money, it was all individual transfers from each CD. I am very concerned about this problem of deleting Statements and not making them available to customers. Am I the only Customer this is happening to? Or is Barclays Bank retaliating against me because of the questions I have posed to them
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| 05/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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On XX/XX/2023, XXXXXXXX XXXX Loans sent an {$8000.00} payment to Barclays for my " Old XXXX XXXX XXXX Card ''. According to XXXX, this payment came through " XXXX XXXX '' as a paper check and was cashed by Barclays on XX/XX/2023. After this payment had already posted and been taken out of the personal loan, Barclays recanted the " paid '' status on the payment and revised it to a " provisional credit ''. On XX/XX/2023, I reached out to Barclays for more information on this change. Upon that conversation, they opened an " investigation case '' and told me that it could take up to two billing cycles for the investigation to be completed and I would not be responsible for interest or other fees during the investigation process. On XX/XX/2023, I reached back out to Barclays with more information, providing them with the account and routing number of the check. Barclays gave me a case number for the investigation at this time. On XX/XX/XXXX, I reached back out to Barclays ( after receiving a threatening letter in the mail that my account was not in good standing and I needed to contact them immediately ). I reached out to XXXX XXXX Loans at this time and had them fax an official declaration of payment, showing that Barclays had cashed the check and applied it to an account. It had not been returned to XXXX XXXX Loans. On XX/XX/XXXX, I got a call from a collections bureau, once again telling me that my account is not in good standing and I need to make a payment immediately. I have asked where the payment is at this time and they have no answer. You can not speak directly to the investigations team. There is no avenue for that. I once again started chatting with the online chat help and they stated that they could not really do anything without me calling into the customer service department. Barclays has only reached out to me twice, once through a written and mailed letter and now once through a debt collections bureau. I still don't have an answer to where this money is now or when it will be located.
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| 08/04/2015 |
Yes |
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Web |
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In XXXX I had a hardship. I noticed that no matter how much I paid on my Juniper ( Barclay 's Bank ) credit card the balance never came down. I was at 12.99 APR. I thought this odd since all my other cc were higher interest and the balance was reflecting my payments. So I called and asked for forbearance and also inquired about the balance and payments received. I was told that they could help by bring my interest down on new purchases for one year. As far as my balance they said I needed to pay more than the minimum which I did more often than not. After the phone call the closed my account. I made XXXX or XXXX payments and noticed no change in the balance and decided to stop payment on the Juniper cc and make payments on cc 's that were showing a positive result towards my balance. This was XXXX, up to this date I had paid nearly XXXX on a XXXX balance. They also locked me out of my online account to where I could not retrieve any information. Fast forward to XXXX. I have been receiving harassing phone calls from Juniper since XXXX asking for payment. I have sent letters, and have asked them to stop calling as I am not financially obligated to this account anymore. In XXXX XXXX the account was sold to a collection agency who told me that I had until XXXX XXXX to pay the settlement amount of XXXX or they will bring a judgement against me. I looked into my credit on both XXXX XXXX and XXXX and both show that Barclay Bank state that I continued to make payments up to XXXX of XXXX which is not only a lie but fraud. I have bank statements to prove otherwise. I was without employment. I was a student at the time, and refused to pay Barclay Bank due to their unfair practices back in XXXX. And since in XXXX I was the only one who was employed would be the reason for my asking for forbearance. Barclay Bank fraudulently added time and payments to my account so that they could continue to pursue, harass and ultimately sue me.
I have disputed this with XXXX XXXX online, but will need to call XXXX to dispute.
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| 06/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I contacted XXXX, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Thank you for your help and assistance. { Also I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint 3 and contacted the police department and obtained a police report which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : ( Barclays ) Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.
Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
XXXX XXXX
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| 07/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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On XX/XX/2021, I called XXXX XXXX XXXX ( XXXX ) as I had received communication stating that my account with BARCLAYS BANK DELAWARE was purchased by them on XX/XX/2021. While speaking with the XXXX rep, I stated that I wanted to settle the debt with a pay to delete off of my credit report with Barclays. I asked them to send an email confirmation in addition to mailing a letter for the agreement in which they did ( sent by XXXX XXXX of XXXX ). Before ending the call, I asked the rep if this could be removed off of my credit file and she stated that it will be removed after successfully receiving the full agreed upon amount of {$960.00}. I made a payment of {$480.00} on XX/XX/2021 and another payment of {$480.00} on XX/XX/2021. I received a letter dated on XX/XX/2021 from XXXX stating that the current balance on the account was {$0.00} and the letter serves as proof that the account was settled. On XXXX, I did not notice any changes to my credit regarding the removal of this delinquent account. I called XXXX informing them that the file was not deleted from my credit report. They stated that they will send another letter to the credit bureaus and to give it another 30 days before reflecting on my account. On XXXX, I decided to call BARCLAYS BANK and inform them of what was going on with the account. They only told me that it was under investigation being that I disputed with one of the credit bureaus even after they validated the debt with the credit bureau. I havent heard anything since and still no change to my credit report. I reached back out to XXXX today, XX/XX/2021 and they told me to call back on Monday to talk with the dispute team as they forgot to send the letter so the manager, XXXX XXXX, has submitted a complaint. They also stated that they cant contact the original creditor after an account has been purchased. So now I have a delinquent account on my credit file, reporting a {$0.00} balance, but hasnt been removed because of the run around Ive been receiving with all agencies involved.
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| 09/01/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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On or about XX/XX/2022, Barclays Bank Delaware ( hereafter Barclays ) notified me that it had terminated my AAdvantage Aviator World Elite Business Mastercard account ending in XXXX ( the " Account '' ). Barclays did not provide me ( 1 ) 30 days ' written notice of its intent to terminate the Account or ( 2 ) a statement of specific reasons for that action, both of which are required under federal law. Barclays thereafter failed and refused to transfer to my XXXX XXXX AAdvantage account both the Award miles ( miles ) and the Loyalty Points ( points ) I had earned.
Barclays actions violate the Equal Credit Opportunity Act ( 15 U.S.C. section 1691 ( d ) ), Regulation B ( 12 C.F.R. section 1002.9 ( a ) ), and constitute Unfair Competition ( Connecticut Unfair Trade Practices Act ( CUTPA ) ), conversion and breach of contract/breach of the covenant of good faith and fair dealing.
When Barclays closed the aforementioned credit card account, I had previously earned two ( 2 ) miles and one ( 1 ) point for each dollar spent. I would have earned an additional XXXX miles and XXXX points based on my spending in the billing period with a XX/XX/2022 statement closing date. I plainly have a right to those miles and points. Barclays nonetheless failed to transfer those miles and points to my XXXX XXXX account as it had done for the prior nine ( 9 ) months. Instead, it purported to forfeit those miles and points based on some internal policy which it had not provided to me. By confiscating my miles and points and preventing me from earning additional miles and points, Barclays improperly interfered with my right to my miles and points. Since those miles and points have substantial value to me they served as the basis for Barclays inducing me to obtain and use its credit card I was damaged as a result of Barclays conduct. Barclays justification for the forfeiture is immaterial under the law. Having deprived me of my miles and points, Barclays motive is not relevant. Barclays is strictly liable for conversion.
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| 02/26/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account status incorrect
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Web |
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I would like to write a formal complaint on a credit reporting made by my XXXX XXXX rewards card. On 2019 I was on a financial hardship due to me not being able to work for a whole year due to a physical XXXX I had during that time and was away from my work on disability/ medical leave. On XX/XX/2019 and XXXX XXXX I received a late fee for non payment. I later made a payment to my credit card on XXXX XXXX because I was able to gather all the money because I wanted to pay the entire credit card balance in full. On XX/XX/2019, XXXX froze my account because they stated that my payment bounced back from my checking account. I called my checking account institution to see what happened and they stated that XXXX denied my payment and advised me that it could have been because maybe I was paying such a large balance XXXX {$13000.00} XXXX at once but told me that there was nothing wrong with my checking account and to try to schedule the payment again. So on XX/XX/2019, I called XXXX to get the account unfrozen then I scheduled a payment again with XXXX and this time it was successfully paid off. I called XXXX to see if they could remove the late fee I had for XXXX so it would not be past 30 days late payment so the representative was able to remove the late fee and I asked her if this would be reported on my credit report since she is removing the late fee for XXXX and she assured me that It would not be reported because my account was frozen so I could not make any payments until I contacted them. After that payment as well as another one I made to pay off the accumulated interest, the account was fully paid off and in {$0.00} balance ever since.
I just recently checked my credit report a few months ago and I found out that the late payment for XX/XX/2019 was actually reported to all three credit bureaus despite them assuring me that it would not be reported. I have called XXXX several times to see if there is any way to correct this and they have told me that they can do nothing about this situation.
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| 03/29/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Dear Barclays, Although you have sent me another persons personal information saying its mines, this is another response to a listing on my Credit Report. Its a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. See account below XXXX This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX XXXX
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| 10/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I contacted Barclays ( XX/XX/XXXX DE ) my credit card company to dispute a phantom charge on or around XX/XX/2022. I was told by Barclays that I must submit dispute in writing. I faxed ( XXXX ) the following statement : " On XX/XX/2022 I was charged incorrectly by XXXX XXXX XXXX ( XXXX RT XXXX XXXX NY ) for sum {$180.00} for repairs while my car was still under warranty. I was told by the Service Rep there would be no charge for the repairs. Upon discovery of this charge I called the service department at XXXX XXXX XXXX twice I an attempt to rectify this matter. I was told twice by XXXX different receptionists that XXXX would call me back. The results of both phone calls on this matter yielded negative results. Hence I want to dispute this charge. '' I received a letter from Barclays dated XX/XX/2022 stating, " unable to assist with disputes involving rebates or warranty work. '' XX/XX/2022 contacted Barclays spoke to XXXX who recommended to send a fax to reopen my case. XXXX further stated she memorialized my phone call comments and concerns in Barclays XXXX.
on XX/XX/2022 I faxed Barclays another statement, " Looking over my statement I discovered a phantom charge by XXXX XXXX XXXX for sum {$180.00} for the date XX/XX/2022. I called XXXX XXXX XXXX XXXX department twice in an attempt to rectify this matter. I was told twice by XXXX different receptionists that I would receive a callback. To date I never received a callback. Due to this phantom charge void of warranty work or a rebate and XXXX XXXX XXXX being unresponsive I want to reopen this dispute.
XX/XX/2022 I called Barclays and was told XXXX in the dispute department that my dispute was reopened on XX/XX/2022 and closed on XX/XX/2022 because to much time has passed and this phantom charge can never be disputed again.
On approximately XX/XX/2022 XXXX XXXX XXXX stated they have no record of any customer being charged {$180.00} for any service performed on XX/XX/2022.
I thank you in advance for any help and time you put into this matter.
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| 03/06/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Dispute : XX/XX/2020 CFPB Barclays Bank Incorrect account balance reporting {$760.00} Contract I contracted the services of XXXX XXXX XXXX, XXXX a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for health reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is Barclays Bank Delaware with an original debt of {$760.00}.
I have just completed my accounting for tax purposes and found that I have paid {$560.00} to the creditor via the consolidation program and my balance now due is {$200.00}.
I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last 6 months and have not been able to receive a response to any of my communication.
On XX/XX/2020 I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC.
It has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed.
My direct offer to the creditor on XX/XX/2020 to pay off a remaining balance of {$760.00} was declined by the creditor of which I am grateful as my financial accounts highlights that balance as being incorrect and if it were accepted at that time, I would be liable for paying far more that what is actually owed and I request that the amount owed be corrected to reflect the payment made of {$560.00} via the consolidation company and report the actual correct balance of {$200.00}.
Please see attached signed Agreement page for debt consolidation program and the date of the agreement.
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| 07/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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My complaint is against Barclays Bank account # # XXXX, date openXX/XX/2018, status open. I open an account with the mentioned company on XX/XX/2018 for some XXXX items and the card has a credit limit of {$2500.00}. On XX/XX/XXXX I had a balance of {$1700.00} on XX/XX/XXXX I had a balance of {$1700.00}, on XX/XX/XXXX I made a payment of {$1000.00} leaving a balance of {$790.00}, on XX/XX/XXXX a had a balance of {$820.00}, on XX/XX/XXXX I made a payment of {$820.00} leaving account in {$0.00} balance, not even imagining that Barclays Bank was going to report to credit bureaus a late payment for the amount of {$27.00} on XX/XX/XXXX of 2018. There was also no notice that I'd be reported to credit bureau or anything, just what seemed like 3 silent months of late fees racked on while I sat around thinking balance was {$0.00} the whole time. Just the fact that I was not notice of late payment insertion to credit bureaus is a violation to the California Reporting Act. Any reasonable business would not report a late payment of {$27.00} ( which I had no idea they even existed ) knowing that I have a {$2500.00} limit credit card in {$0.00} balance. Do you really think that I wouldnt have paid those {$27.00} knowing that I had to? This is business/tort and unfair business practice and I want my financial freedom back and Im not planning to be tied up because of a banks mistake. I do not have any other complaint against Barclays Bank and would like to continue making business with them, all I want is to remove that late payment which should not be there in the first place. Im attaching a copy of my account in my XX/XX/XXXX report so Barclays bank can see their mistake and fix it as soon as possible. I have a {$300000.00} home loan pending for this mistake so please lets avoid legal actions here. I would also like to be provided with a deletion letter from Barclayss bank through CFPB portal. Im also attaching an unfiled SC-100 that I will file in the event that negative mark remains in my reports. Thank you!
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| 06/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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I am writing in regard to a recent line of credit I established through the XXXX XXXX credit card offered by Barclays at the beginning of XXXX of this year. I applied for this card while booking a fare on the XXXX website and clicking on a banner in the sidebar of their webpage. This took me to a Barclays site where I was able to apply for, and receive, an approval for the card and an initial line of credit. As part of this offer, XXXX rewards points, and a statement credit of {$250.00} were offered after spending {$1000.00} on purchases and paying the {$99.00} annual fee within the first 90 days of having the card. However, a couple weeks later I was reading online about the same XXXX XXXX card, but this one offered XXXX rewards points instead of XXXX. I followed the link to a different section of XXXX website and found the same card and benefits, just with a higher reward offer.
I next reached out to Barclays about the discrepancy and asked them if they could retroactively apply the offer with the higher point return, but the representative said he was unable to do so and that I should reach out to XXXX. Similarly on XXXX end, they seemed to just talk in circles without acknowledging the inconsistency of what they are presenting. What concerns me about this is the lack of responsibility XXXX is taking in maintaining two vastly different reward incentives on their own website for the exact same card. If you happen upon it through this web page, then lucky you, you get the XXXX points. If you only see the banner while booking a flight, then its only XXXX points in your case.
I could see if I was on an outside site like XXXX or XXXX, that it might explain the difference in the offers. But to have two different offers on the same site, for the same card, feels like being in a store with the same merchandise and pricing it differently based on the way customers enter the business. After navigating to the XXXX website today, these two offers are still being presented in two different locations.
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| 06/10/2021 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem accessing account
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Web |
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I tried to link my XXXX XXXX XXXX XXXX checking account as an external account to my Barclays online saving account in late XXXX. I initiated the linking at Barclays end. Instead of linking my accounts together so I can transfer funds, Barclays shut down all my access to my Barclays account without notifying me. I did not realize that until a few days later when I tried to log into my Barclays account but only found that I could not even with correct username and password. When I contacted customer care, the rep informed me that my access was cut for security purpose but again they would not notify their customers unless customer contact them. And the general customer care could not resolve the issue but the fraud/security team or so was not on duty on a weekday late afternoon. I had to wait until the next business day to call back. Even that the security team would not give a direct phone number or take customer phone call like all other banks usually do. Instead, Barclays security team will ask the front line representative in general customer care as the messenger to talk back and forth between the specialist at security team and me, the customer.
They requested my other bank, XXXX, to provide a letter to confirm that I am the account holder, but they still refused to give my account access back even I requested one from XXXX. They decided they wanted a statement instead. The drama lasted for even more days before I finally regained the access to my OWN account. The whole week-long lockout was not resolved by Barclay 's assistance if there was any. I ended up agreeing to delete my external account to get my access to my own Barclays bank account back. The whole time, Barclays ' security team was very unprofessional and rude to not only me, the customer, but also those poor front line CSR. At this moment, no one from Barclays has contacted me once to notify the lockout or any progress. It is unbelievable that one of the largest multinational banks in the world carries out business this way.
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| 01/02/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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My Name is XXXX XXXX, I have been a victim of identity theft. I have dealt with this haunting issue for almost 10 years or so.
In XXXX my information was breached due to a local medical facility called XXXX not securing medical records in a proper manner. Someone managed to open up a XXXX XXXX account and order phones which was finally Deleted from my credit report about 2 months ago.
This same person managed to open up a XXXX XXXX credit card ( Account # XXXX ) in XXXX of XXXX and even managed use of it and made payments. I suspect that it was someone in my city because I never received a card or anything related to it. I tried to dispute this with XXXX XXXX but they kept saying that the card was mine, I filed reports with the FTC and directly with XXXX, XXXX and XXXX.
I also had bank accounts that were opened in my name which the banks were able to close once I disputed and provided proof. XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX. All of these accounts were deleted successfully from my credit reports except for XXXX which is still on my XXXX.
I also had a card fraudulently opened from XXXX XXXX XXXX ( Account # XXXX and, one in XX/XX/XXXX and one in XX/XX/XXXX.
Finally, the most egregious one was opened in XX/XX/XXXX with Barclays ( Account # XXXX ). this card had the highest credit limit. I need these issues resolved because it has lead to all sorts of issues in my life.
Ive tried to dispute these with the proper authorities and the companies themselves and Im not sure what kind of information they have but I assure you these credit lines are not mine.
Attached is the report I filed with the FTC Back in XX/XX/XXXX to have these items removed from my credit report.
I have also attached my Social Security card and Florida Drivers license.
At this point I am Disputing the following : Barclays XXXX ( XXXX & XXXX ) XXXX XXXX XXXX ( XXXX & XXXX ) XXXX XXXX XXXX ( XXXX & XXXX ) XXXX XXXX XXXX ( XXXX ) Respectfully, XXXX XXXX XXXX XXXX XXXX CT, XXXX XXXX XXXX FL XXXX XXXX
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| 08/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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Late XXXX I was notified by Barclays that there appeared to be fraudulent charges on my card. I spoke with them and went over the charges. They were most definitely fraud because it was being used in XXXX and I have never been there or bought anything there. They said their security department would check into it and get back to me. After 3 weeks went by I contacted them because my bank notified me that Barclays was trying to process payment through an account that they didn't have access to. At least they weren't supposed to. The account didn't have much money in it so fortunately it didn't go through. I could not access my account online at this time either. Plus I had not been contacted yet. After speaking to 4 different people about this matter and finally speaking to their security team, they claimed they hadn't tried to do this and they would look into it and freeze any transactions through my bank until this was cleared up. Again I was told they would contact me within 10-14 business days. A couple days later they tried withdrawing a large sum of approximately {$8800.00} from that same account at my bank again. I have been trying to call them using multiple phone numbers they provide and still have not been able to get in touch with them on the phone. I have waited 3-4 times on hold for 45-50 minutes to try to get someone on the phone. Eventually the call just hangs up. I can't login to my account with them to see what's going on and I even tried to contact someone through their XXXX XXXX. Still haven't heard from anyone at Barclays. Their server is down currently and has been for at least 3 days. They did message me on XXXX and tell me I could mail my payment but at this point I don't know if they are legit and am afraid to send money to that address. They do send emails that payment is due but I have no way to make a payment until I speak to someone and get my account active again. I have tried to resolve this issue in as many ways as I know how to. I need help getting this resolved.
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| 10/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
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Web |
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Subject : Credit Limit Decrease without Proper Notification on Statement Date, Suspected illegal use of Covid Relief Data for CLD.
Hi, I have been a Barclay Card Account holder for last 10+ years.
I have never made a late payment or went into collection with Barclays or any other financial institution. I have a clean credit history.
I do hold some revolving balances and have been paying down over the last year or so. I have payed down more than 35 % of my outstanding balance across all of my financial institutions. I carry around {$3700.00} balance on my Barclaycard which used to have a credit line of {$11000.00}. I did enroll into Barclay 's payment relief program during the Covid period, but continued to make payments. The program ended in XXXX.
I got an alert on my email saying that my usage is near my line on XX/XX/XXXX. I logged in to see, Barclays did a Credit Line decrease on my account on the Statement Date to {$3900.00}, without giving me proper notice period or sending me a secure message or Email. I did not get a chance to pay down my balance knowing this.
Since the CLD was done on statement date, Credit Bureaus have received report of 97 % utilization on my Barclay Card. This is causing my score to go down and could further cause other issuer 's to lower my limit on my other cards. This is putting me into a lot of stress and financial difficulties.
What Barclays did was 'Balance Chasing ' which was popular in the XXXX time. I did not know this was still being done.
In addition to this, I suspect Barclays could have illegally used the data on my enrollment in Covid relief to do this Credit Line Decrease.
I reside in XXXX, near Barclays offices. I have tried to call customer service numbers multiple times, they could not get me to lodge a complaint with Executive Office. They would not also tell me the reason for CLD.
I would request CFPB to look into Barclays CLD practices.
Please reach out to me in case any additional documentation is required.
Thanks, XXXX XXXX
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| 12/27/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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I opened this credit account last winter, almost one year ago. I had an emergency at my home and needed some type of credit to pay for needed construction work. I was given a small line of credit, I believe {$500.00}. At the time I had expected to be able to pay this debt off in under six months. I am not saying I did not agree to the terms. I did. That is not what this is about. Unfortunately, my husband got laid off only a month before. We thought he would have been back to work in no more than a month but it did not work out that way. it took longer than expected, just over two full months and of course we didn't start seeing paychecks until almost three months. We were hard pressed to even pay our mortgage which we had to make principal only payments on for a few months. We had to put oil in our tank, and pay all our essential bills, including several credit card payments, this being one of them. It took us well over six months to recover from the hardship especially since I was not working. I recently noticed, my monthly payments werent ' making a dent in this debt. I contacted the bank asking if something could be done, to lower the interest rate and maybe remove some of the interest etc. I was promptly denied. I had also approached another bank with another credit card and had very positive results. The bank worked with me and removed a few hundred dollars of interest and put me on a 0 % for the remainder of that balance. I was very pleasantly surprised. However, Barclay refused to do anything to assist us. Nothing. I have since gone on XXXX XXXX in early XXXX. To this day we are still struggling and feeling the effects of my husbands lay off last XXXX. I can not believe that I have to pay hundreds of dollars of interest on a {$500.00} charge. It is insane. I don't want to have to make an ugly decision, like having to default on this credit card but I can not continue with this debt. I need help. The interest rate on this card is very high and I feel the bank is taking advantage now.
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| 11/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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|
Web |
Older American |
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Gap/Barclay did not reach out to me prior to closing my Gap/Barclay credit card even though they had my email address & phone number on file. They informed me that they had sent notices to my phone which is not correct as I did not receive any emails or texts from them related to the account. In addition, they allegedly mailed out bills that I never received dated XX/XX/XXXX through XX/XX/XXXX on a late fee of {$21.00}. I finally received a bill at our Florida address on XX/XX/XXXX that was dated XX/XX/XXXX with a printed due date of XX/XX/XXXX. I immediately called Gap/Barclay on XX/XX/XXXX & had a long conversation explaining to them that this was the first bill I'd received & I did not realize I had a late fee due. I asked them to consider eliminating some of the additional late fees of $ XXXX & they agreed to eliminate 2 of them. I immediately paid them {$130.00} ( as on their most recent statement ) from my online XXXX XXXX XXXX account that same day & told them it would be delivered on XX/XX/XXXX. I then subsequently received a letter from Gap/Barclay on XX/XX/XXXX, but dated XX/XX/XXXX ( attached ), stating my credit card account had been closed based on non-payment. I called them on XX/XX/XXXX upon receipt of this notice. They told me they had not received the Payment of {$130.00} on XX/XX/XXXX from XXXX XXXX XXXXXXXX, despite the fact that it showed on my bank account that it had been paid XX/XX/XXXX as we had discussed on XX/XX/XXXX. They told me they were placing a " missing payment report '' to try to find the payment already made. I am amazed that they had all my contact info ( cell & email ) on my credit card account but no one even thought of e-mailing me or making a phone call to notify me about the payments not made. I have no desire to have another credit card with them, and I am very upset that my credit rating will be affected by this. My only request is that Gap/Barclay make XXXX there is no negative information on my credit report which has be stellar up to this point.
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| 01/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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We received your complaint. Thank you.
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.
YOUR COMPLAINT Today I am taking action by filing this complaint regarding my XXXX XXXX that is financed through Barclay 's bank. The first thing I noticed is that Barclay 's took over the XXXX XXXX and didn't inform us. Barclay 's did not alert us. I have the majority of my credit card bills physically mailed to me, so when they took over they had to have switched to e-bill without my consent and I missed two payments because the bills were not physically mailed to us. I called customer service and they set me up on one of their programs for three months which was supposed to prevent me from getting fined for late payments. Apparently, this customer representative also added in a clause that I would pay approximately {$150.00} per month- this was done without my consent but I did consent to the program he offered. This representative also waived the late fees ( I think ) because we've consistently been charged as late payment and have received late fee charges. For the next 3 months, I received monthly statements that said I was late in my payments when in fact I had paid {$300.00} in one month. There were several other unexplainable discrepancies so I called customer service. While talking to customer service, I realized while looking at my bill that Barclay 's has been charge me double interest!!! Customer service said she would have a manager or supervisor call me regarding this problem. To this day I haven't spoken to any representative. I did receive a letter in the mail stating that they were aware that I had concerns about my account and that I should called customer service again to address my concerns. THAT'S IT
|
| 11/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
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This issue involves Barclay 's bank holding over $ XXXX of funds from my account. I had a plane ticket, that I could not use because of an emergency, refunded to my Barclay 's credit card account on XX/XX/2022. This created a balance on my credit card of + {$1500.00}. Since I hardly use this card, I requested a credit balance refund of the amount on XX/XX/XXXX. The refund showed that it processed on XX/XX/XXXX. It has been 10 weeks since that time and I have still yet to receive the money that was in my account. I have called up Barclay 's around 8 times to get this sorted and every time they promise me the check is in the mail. The first time I called they said it would take 7-10 business days. The next time I called they said it would take 20 business days. The last time I called they said it could take up to 2 billings cycles ( 2 months ) to get my money back. The tell me the reason it was not received was because the address was incorrect, because I recently moved. My previous address is my parent 's address and I still receive every piece of mail sent there. They have supposedly updated my address the past 5 times I have called them and yet every time they act like it is new information and add the address again. I have escalated the issue to supervisors and managers and they all make the same promise that the check is in the mail. One supervisor I talked to 2 weeks ago told me they were expediting my check and it would be at my address in 1-2 days. That never happened. When I called back I was told the previous agent lied to me as checks can not be expedited. I have spent roughly 10 hours on the phone with agents of Barclay 's Bank and I am no closer to receiving funds that are mine. I am now late on rent and bills because I relied on having this money. At this point I am worried I will never get the {$1500.00} that was in my account. I would prefer the money to be electronically transferred as I have grown tired of hearing that " the check is in the mail '' for 10 weeks and ongoing.
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| 07/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Barclay 's sent an offer for 0 % balance transfer/cash advance. I initiated {$11000.00} on XX/XX/XXXX. The funds were received with a {$550.00} transaction fee. Shortly after, my card was declined for a purchase. When I logged into my account, I saw that there were 2 transactions for $ XXXX sent. I contacted Barclay 's in early XXXX. They indicated I should see the second $ XXXX I did not request shortly. After calling my bank a few days later, and Barclay 's again, there was no second $ XXXX sent. Barclay 's then admitted they have a known issue duplicating all cash advances, and they were working to resolve. I explained that it put me over my credit limit with the second $ XXXX they show sending me, but did not send. They had no resolution. They advised that they were not going to report the inaccurate balance to the credit bureau ( their reporting date of XX/XX/XXXX ), but I saw my report today and they did.
They even charged me a second fee of {$550.00} on XXXX, for a transaction they know they did not complete.
After more than a month, they have not taken any steps to rectify, and they reported known inaccurate data which harmed my credit while I am applying for a car loan, which now negatively effects my credit score and thus my interest rate will be higher.
Steps I have recommended : - Send me the $ XXXX they charged me for, so I can pay it back to them - Provide a temporary credit on my account of $ XXXX since they know the transaction is their own error ( treat it like a fraud release ) - Fix the error, and set my account right In 33 days, they have not resolved. It has impacted all of my auto payments, and cost me significant time to deal with resetting credit card information, as well as the multiple calls to them to try to resolve to no avail. I filed a fraud claim with Barclay 's, about Barclay 's transaction, but no action has been taken.
I am completely out of options since Barclay 's is not taking this issue seriously, although everyone at Barclay 's is aware of it.
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| 12/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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In XXXX Barclays advertised that if I signed up for the JetBlue XXXXXXXX XXXX, spent {$1000.00} on the card and paid the {$99.00} annual fee, I would earn XXXX in rewards miles. After completing all the requirements, Barclays only awarded me XXXX in rewards miles. I contacted them but they said they were unable to assist me with my rewards issue. They stated that in XXXX the sign up promotion was only for XXXX rewards miles and not XXXX. I didn't have a screenshot of the online marketing materials for the XXXX promotion but I do have an email marketing promotion for the XXXX before I was approved for the card.
Here is the timeline of events and attaching screenshots of evidence.
XX/XX/XXXX : I saw a promotion for XXXX rewards miles for the JetBlue XXXXXXXX XXXX and applied. Barclays said they would review my application.
XXXX : I called them about my application and they said I need to provide scanned copies of my ID and Social Security Card. I send it to them but no response.
XX/XX/XXXX : I receive an email about the same offer for XXXX rewards miles. I call Barclays again and they said that my Social Security Card was blurry and I needed to resend it. I resend it again.
XX/XX/XXXX : I am finally approved for the card.
XXXX : I noticed that I only received XXXX rewards miles after completing the requirements. I called and explained the issue. They opened a case for investigation.
XX/XX/XXXX : I received a mail that they are unable to assist me with my Rewards Issue.
Barclays does not have their act together. It took over XXXX months for me to get approved for the card only after calling them multiple times. If I hadn't called, I have no clue where my application would stand. I know I have great credit. They also release misleading marketing materials that I would get XXXX in rewards miles and only give XXXX. I just want to get what I was promised. I have already told friends and family the awful experience with this company so they are aware not to do business with them.
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| 12/26/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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I presented my XXXX XXXX XXXX Mastercard from Barclays Bank for payment at the restaurant in the XXXX at the XXXX ( XXXX, XXXX ) on XX/XX/18 and asked them to apply it to the dining bill, charging me for one half and charging one half to another party ( who provided a different credit card ). Upon reviewing my account statement a month later I noticed the merchant had charged me twice - once in the amount of {$38.00} and once in the amount of {$38.00}. I disputed the charge as a " duplicate '' with Barclays Bank, the card issuer.
Barclays Bank contacted the vendor who explained in a written statement ( attached ) that " the bill was split into 2 guest checks and was paid with diff [ sic ] credit cards. '' This statement by the restaurant was false and fraudulent - as the evidence they provided clearly showed : a copy of the slip I signed with half the amount and a copy of a second slip also charged to my account with a scribbled signature that looked nothing like mine.
Instead of doing the right thing and telling the restaurant they made a mistake and resolving the dispute in my favor, Barclays left me a voicemail ( on a phone I couldn't access for two months ) asking me if the other party had been charged or not. I didn't get the voicemail until months later when I returned to the US but even if I had gotten the voicemail I had no way of knowing if the other person in my party had been charged or not. The question was not germane to my dispute : the XXXX can not charge my card for the second half when I clearly stated I was only paying for the first half and in fact had only signed for that half.
Barclays ' excuse in resolving the case in favor of the merchant was that I didn't respond to their voicemail fast enough. I don't think they should have contacted me in the first place - the resolution should have been made after receiving the paperwork from the merchant with the clearly erroneous ( I would say fraudulent ) information. At the least they should have contacted me in writing.
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| 07/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
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I had my Barclays Priceline Travel Rewards XXXX for years ( maybe XXXX? ) and had been in good standing for the last several years with a credit limit of {$6500.00}.
I received a letter in the mail last weekend ( XX/XX/XXXX ) that my account had been closed due to late payments missed.
I was confused, as I knew I had paid my account down to {$0.00} sometime in XX/XX/XXXX. I logged into my account, and I saw a balance of roughly {$55.00} that had accumulated from interest and late fees from said interest over several months. After I paid my balance with Barclays down to {$0.00} in XXXX, a XXXX statement posted with {$1.00} in interest. I had no knowledge that this statement existed, or I would have happily paid it. After paying the balance to {$0.00} in XXXX, I never logged into the account until receiving the letter this XXXX. No attempt to contact me was made, other than statements that were posting to a junk folder in an email I no longer use.
I have settled the outstanding balance with Barclays upon receiving the letter, but in return, my credit score has dropped XXXX points from the account closure and missed payments, and Ive lost a line of credit that Ive had for years. When I contacted Barclays I was told nothing could be done and I filed a complaint to have someone contact me. I have not received any communication from them since filing the complaint. I am beyond frustrated that ZERO attempt was made to contact me via phone ( which is on file ) or post about the outstanding balance, other than the letter that arrived 5 months later stating that the account had already been closed - ruining my credit score and removing my access to this line of credit. Its about more than the estimated {$55.00}, this has deeply impacted my ability to obtain other lines of credit and will take years to repair. I feel cheated that not one customer representative tried to contact me to collect payment, solely relying on an automated service that was hanging in limbo in an abandoned email account.
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| 11/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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|
I placed an order with XXXX that was never delivered. I tried to dispute this online but that option was not available. I tried to dispute this by phone but they have a habit of disconnecting you " accidentally ' after long holds and many transfers. I have tried disputing this in writing as well with no success yet. I provided proof that XXXX acknowledged the item was shipped to the wrong address. The credit card company is purposely making this impossible in the hopes that consumers will give up.
The company has not responded to me. They refuse to speak to me by phone, other than to say a letter is coming. I have yet to receive any letter. I received an email from XXXX promising a response by email. That response has yet to come. In the meantime, they have brazenly flouted the requirements of the Fair Credit Billing Act. They continue to take action to collect the amount in dispute, imposing interest and requiring payment on the disputed amount. Since Barclay 's refuses to abide by its obligations, I ended up paying the amount in dispute to avoid further collections and interest.
The company provided a response to Complaint XXXX by attaching a file ( XXXX, XXXX ), but that file is corrupt and can not be opened. That complaint was closed despite my concerns not being addressed and despite the Company 's noncompliance with the law.
In addition, my complaint is threefold and the Company 's response fails to address any of the issues raised. First, they have failed to assist, at all, in my billing dispute. On information and belief, they have failed to contact the merchant or investigate the claim at all. Second, they have implemented a customer complaint system specifically designed to discourage and thwart consumers in the exercise of their rights. Finally, they have brazenly flouted their duties under the Fair Credit Billing Act by failing to respond to my dispute despite promises to do so, and by continuing to attempt to collect the amount in dispute and charging interest on it.
|
| 06/16/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American |
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XX/XX/XXXX, I charged a purchase to my new credit card, but submitted an electronic payment to my old Banana Republic credit card. My checking account with XXXX XXXX verified that the amount was cashed on XX/XX/XXXX.
The purchase was returned, and I received an email from Banana Republic on XX/XX/XXXX confirming that the purchase was received and I would receive an eGift card. No eGift card was received and my account was charged late fees.
XX/XX/XXXX, I received a letter from Barclays with the date of XX/XX/XXXX stating that a provisional credit was posted to my account was posted. The letter asked for proof of payment. I contacted XXXX XXXX and we held a conference call with Barclays to resolve the situation. The XXXX XXXX verified that the bill was paid electronically and that they would send documentation of the payment via fax and or mail to Barclays.
XX/XX/XXXX, I received a letter posted XX/XX/XXXX, stating that the credit of {$180.00} was rescinded due to lack of proof of my payment. I called XXXX XXXX and we contacted Barclays again. In our discussion the representative of Barclays confirmed that they had received my {$170.00} payment to my old account.
XX/XX/XXXX, I received a letter posted XX/XX/XXXX, that proof of payment was needed. I called XXXX XXXX again, held a conference call, and XXXX XXXX submitted proof of payment for a third time.
XX/XX/XXXX, I received a letter posted XX/XX/XXXX, that they could not complete my request for my {$170.00} request of my payment.
XX/XX/XXXX, I received a check for {$4.00}. XX/XX/XXXX, I mailed a letter of complaint to XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX.
XX/XX/XXXX, I received three letters from Barclays. Two letters, one dated XX/XX/XXXX, and one dated XX/XX/XXXX, state that they are unable to complete my request for my payment of {$170.00}. One letter, dated XX/XX/XXXX, stated that Barclays is reviewing my dispute and I should give them at least 60 days. I have been trying to resolve this dispute for six months.
|
| 06/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
I recently had a very frustrating and extremely damaging experience with Barclays Bank Credit Reporting affiliated with Miles and More Barclays Card. I feel that I am owed the quick removal of the unjustified derogatory credit reporting information to restore my flawless payment history and loss of XXXX FICA points. On XX/XX/2021, I received an email notification from XXXX that my XXXXredit score had dropped XXXX points. Startled, I log in to find out what had happened. After looking through the reports I found Barclays Delaware had reported that my Miles and More card was over 30 days past due. Given that I have this payment setup automatically, I thought this was impossible. You can review my payment record and verify all payments have been delivered on time until XX/XX/2021 when the automatic payment failed. I immediately went online and brought the account current. Communication is a two way process. My issue is that despite being signed up for full automatic email notification as my preferred communication channel, Barclays did not notify me timely about the first missed payment in XXXX. Had Barclays notified me timely that there was a problem with the automatic payment in XXXX, I could have quickly made a payment and restored the automatic payment function and avoided the same issue in XXXX leading to the derogatory report and loss of XXXX FICA points. Moreover, Barclays can see that my payment record is flawless except for your unnecessary report. I called three different dispute numbers listed on the Barclays website and my card. All these numbers connected my to telephone agents in the XXXX who could not assist me except to advise I mail a complaint. I did send a complaint letter on XX/XX/2021 certified return receipt. I attempted to follow-up through several XXXX numbers but no one had any updates nor could they tell me who to call to get an update. Again, the Barclay Help calls were directed to agents in the XXXX who had absolutely no information nor latitude to assist me.
|
| 04/07/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
RE : BARCLAY CREDIT CARD : A tow company charged my card {$60.00}, after the charge was paid by a third party. I contacted the credit card company. They did not issue a provisional credit, nor did they send any type of form, so that I could submit further information. I called the credit card company back and was advised that the group would get to it when they get to it. The credit card company contacted the merchant, and took the word of the merchant that the charge was legitimate, even though I, their customer, advised it was not. I then received correspondence stating the charge was, in fact, legitimate and that I had received a service. I, again, telephoned the credit card company to state that their correspondence was incorrect. I was then asked to send anything showing that the third party had taken responsibility for the charge. I faxed the email proving the third party had taken responsibility for, and paid, the charges. A few days after sending the proof to my credit card company, I received an alert from a credit monitoring service showing the credit card company had reported the dispute as resolved. Again, this was reported AFTER it was requested I submit further information ... RIGHT after. I then emailed the CEO, as well as another executive within the credit card company. I have received NO response from either party, or anyone on their behalf. I also contacted the credit card company via XXXX, twice, and they provided no help, with non-answers. Promising to assist, the company advised, via XXXX, that they found my account had previously been noted. This, of course, was of no help.
In addition, the charge was not even for my vehicle. The correspondence from the third party paying the charge stated it was my vehicle, but it was not. I was merely involved in assisting the party whose vehicle was mistakenly taken by the tow company, which is why the third party paid the charges. I thought the credit card company was supposed to be looking out for me, as their customer.
|
| 01/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In a nutshell, Barclays is incorrectly reporting a 30-day delinquency. Minimum monthly payments had been set up since the card was opened in XXXX, but this fell off without my authorization or knowledge and caused the late payment, which is straight-up fraud.
Below is what I sent Barclays. They responded by saying they were declining to remove the incorrect information, which is just so wrong.
I paid off and closed my XXXX XXXX XXXX XXXX XXXX ending in XXXX in XX/XX/XXXX. I cut up the card and didnt keep any statements, so I do not have the full account number available. I am writing as the incorrect 30-day delinquent payment from XX/XX/XXXX is still appearing on my credit reports even though it was an error caused by Barclays. This issue was settled as soon as I saw it and I was told it would be removed from the reports, but it hasn't been.
Ive always had this card set up for automatic monthly payments and it fell off without notice and I had no idea the payment hadn't been made. When I contacted Barclays about the delayed payment issue, they refunded the amount and I promptly paid the outstanding balance and closed my account. The late fee was refunded and I was told the negative mark would be removed from all credit reports. This was a lie as not only has it not been removed, they are now refusing to remove it even though none of this is my fault.
To add another element of absurdity - as a consequence of this single delayed payment over 13 years - Barclays also reduced my credit line from {$10000.00} down to {$500.00} without any notice whatsoever.
As if this hasnt been traumatic enough, I had a horrible experience with Barclays ' fraud department that went over an excruciating 7 months from XX/XX/XXXX until XX/XX/XXXX. They offered zero protection when they absolutely should have. I am not happy at all that there are now more issues and Im having to chase them down AGAIN to rightfully clear my name. I will never do business with Barclays again. Period. Buyer beware!
|
| 02/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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Barclays Delaware Bank / The Luxury Card Billing inquiries / disputes Card Services XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Dear Sir or Madam : On XX/XX/XXXX, I was contacted by XXXX XXXX XXXX by phone regarding a vacation package. The alleged XXXX representative advised me over the phone they were affiliated with a U.S. based chain hotel where I have stayed on occasions in the recent past. I am a XXXX+ year old male and am currently exercising XXXX XXXX XXXX for various health reasons on the date of this transaction.
I provided my Mastercard number in good faith as I believed XXXX XXXX XXXX aka XXXX XXXX was affiliated with my hotel of choice and therefore was a legitimate company. I disputed a charge of {$790.00} to my Luxury Mastercard on XX/XX/XXXX after not being able to reach the travel company and them not returning my e-mails. I provided Luxury Mastercard with evidence of a sales certificate written agreement via fax which I did not sign or date to activate with the travel company.
I also did not sign the XXXX Credit Card Voucher emailed to me from allegedly XXXX, XXXX. On this date, I pulled up my Luxury Card account and observed that the charge of {$790.00}, which had been temporarily removed from my account pending investigation was re-applied to my account.
I was not informed of this and have not received any written notification of this adverse action to date. I will be exercising my consumer rights by filing a formal complaint with the Consumer Financial Protection Bureau due to billing errors, as well as sending all evidence and related documents to my legal representatives, XXXX XXXX XXXX, XXXX XXXX, TX. This serves as a formal complaint in writing regarding the unfair business practices mentioned herein regarding Barclays Bank Delaware aka Luxury Card. Upon reviewing the XXXX XXXX XXXX complaint reviews of this bank/Luxury Card, I observed numerous other consumer complaints filed regarding what appears to be unfair and bad faith business practices.
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| 05/03/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/2019 I have booked a flight on line from XXXX. The confirmed reservation states that if I cancel within 24h I get full refund. I have verified this information with the company prior to booking. However, XXXX changed my flight reservation within minutes after the confirmation, without my authorization. I called them back within 15 min after receiving the amended reservation ( different flights and dates ) and they told me the flight I have booked on line was no longer available. However, the airline sent me the confirmation. Given the uncertainty, I have asked if there are any charges if I cancel the flight and I was told there is no charge if the cancellation is done within 24h. I went ahead and cancelled the flight within one hour from the changed reservation. However, XXXX went ahead and charged me {$150.00} for the cancellation and another {$33.00} for seat assignment they never assigned with my reservation.
I have called XXXX multiple times, unsuccessfully. However, the company seem to have scammed many customers the same way they did to me. There are many complaints with FTC and XXXX about this company. XXXX XXXX XXXX On another hand, I can't dispute these charges with Barclays mastercard . Since XX/XX/XXXX I have been calling them on daily basis and I can't get through their Dispute Center. Each time I have waited between 35 to 45 minutes and have been placed on hold. I have asked the Customer Service to open the dispute for me and the answer is they can't do it. I have asked for escalation and Customer Service is telling me no managers are available at this time. I have made 11 calls to Barclays mastercard since XX/XX/XXXX and still I can't open the dispute. I was also told the only option I will have to send the evidence in, is by mail to a PO BOX . The company doesn't offer any on-line uploads and I have seen there are many complaints regarding this, the company stating they don't receive the evidence in order to force customers to accept fraudulent charges.
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| 08/12/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
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I called Barclaycard XXXX/XXXX/2017 at approximately XXXX EST from my husband 's phone with a simple request of seeking to confirm no recent card activity. After navigating the cumbersome automated system and entering all requisite information required, including several " for your security '' entries I finally reached a human. I should have known something was afoul when the frontline phone rep transferred me immediately after additional security information to " security. '' XXXX was who I spoke with from " security '' and alternated from interrogation to placing me on hold for the next 20 minutes. Thankfully, I keep excellent records and was able to immediately answer. After calling my home ( and waking those sleeping ), she came off our third hold event. The lines of questioning included which bank account I had made my most recent payment from, what was the payment amount, when was the payment made?
These were all events that took place several months ago. Given I value my time with my family and consider the amount of time spent on hold and answering the less than friendly line of interrogation from the phone representative, I indicated I was " considering whether or not I should continue my relationship with barclaycard. '' The rep thought she had some sort of " gotchya '' moment and said " she should continue?!? '' I was not sure what she was implying until she said this, as apparently she insists I was my husband. Great, sick and accused. So now instead of having my credit balance refunded and account closed, XXXX enumerated all of the " requirements '' for " identity validation '' in order for their " security department '' to clear my straightforward request at the end of the call to close my account and have the annual fee refunded. Really, I am supposed to pay you an annual fee for THIS type of customer service? I have received better treatment in communist nations! I believe XXXX needs to be retrained, as this is not how you retain customers in any form whatsoever.
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| 07/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
Older American |
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This is for an account i have with Barclays for Jet Blue ( I also have Barclays for XXXX XXXX ; XXXX XXXX and the only issue herein is with Jet Blue account ) XX/XX/XXXX Spoke with XXXX about a notice my card was on hold. SHe said she looked at it and it was a " mistake, error '' i i should receive card in XXXX weeks. Would not tell me a reason.
XX/XX/XXXX : Spoke with XXXX ( XXXX? ) explained above and asked where is the card. She said one would be sent by XXXX. BTW my present card at that time expires XX/XX/XXXX. This is relevant next XX/XX/XXXX : Got a replacement card ( which I didn't need as I expected a new card with new exp date ) and this card expired the moment fedex delivered it. I called and spoke to XXXX then XXXX in Security. She told me i would get a new card in XXXX days by US mail XXXX
XX/XX/XXXX No new card so i called and spoke to Cionne ( XXXX? ) Relationship mgr and said a new card was ordered XX/XX/XXXX THEN she said she looked further and said card is on " HOLD '' and I would receive a letter " any day '' explaining why.
XX/XX/XXXX No letter arrived and I went on line and it said my account was closed I called. Spoke to XXXX Relationship mgr. and she couldn't find anything she could tell me. SHe said a XXXX # was assigned ( XXXX ). Once again a letter was supposed to be coming in 7-10 business days.
At this point my account is canceld with no explanation. Let me add these very relevant facts : My scores are high ; never had a late payment perhaps ever ; not utilizing but a small fraction of what the high credit was ; no changes in income or debts ; no court filings, etc. My husband was in XXXX for 39 years and between the two of us, this is totally inexplicable.
I feel I am being damaged by possibly having a lowered store if the creditor closed the account AND I am now limited to adding to my Jet Blue points for travel. I don't know of any reason my card was not renewed and believe it is not deserved Thank you for any assistance you can provide.
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| 07/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I am writing to request an increase on my Barclay 's Aviator credit card. My work requires that I travel more than ever before, and I am fond of the security a credit card offers when traveling. My traveling expenses have grown to the point where my {$9000.00} limit is just not enough. I love my relationship with both Barclay 's and XXXX XXXX. I fly XXXX for all my personal and business flights that is how I found out about the card 2 years ago. In the last 2 years since I've been with Barclay 's I unfortunately have not received a credit limit increase. My payment record with Barclays is perfect, and I do not anticipate any difficulties in dealing with an increase in my credit limit. I am asking for an increase from {$9000.00} to {$15000.00}. I submitted this via CFPB because I did not receive an email back, and I did not want to request an increase over the phone or online because I wanted to explain some things on my credit report and send in documentation. There is a late payment reporting for XXXX XXXX which is inaccurate, and I am in the process of filing a lawsuit against the credit bureaus for incorrect reporting and defamation of character due to many missed opportunities. I have also paid down balances on other cards that may not be reflected so I will attach my credit card statements. My 3-bureau credit report is attached so there is no need for a hard pull. I will also attach the cfpb report filed against the bureaus with the intent to sue. My credit profile is great, but the late payment is recent therefore it is hurting my score. I wanted to share so this would not prevent me from an increase. I am also attaching my last XXXX flights that I've taken in the past 2 years with XXXX using my Barclays card along with my bank statement that will show that I am more than capable of making monthly payments. I am hoping to hear a favorable outcome from Barclay 's. Please contact me if you need any information to expedite this process. I am looking forward to your reply.
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| 07/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
Older American, Servicemember |
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Credit card account Barclays open over 29 years ago. Excellent payment history. Attempted to make a payment in XX/XX/2020 for XX/XX/2020, using online service. Could not access account, it did not show up anywhere under my name, made numerous phone calls but could not speak with anyone in person and still can not. Recorded message says to access account and send message there. Had to go to another account with same company to get in touch at all. Sent message stating that account was not showing up, kept trying to call, to no avail. Mailed letter, no response. Stopped receiving any statements in any form as of XX/XX/2020. Checked with credit reporting agencies and it showed account closed by grantor, no explanation. Continued since XX/XX/2020 to send messages through the secure messaging. Finally on XX/XX/2020 I received a letter from a collection agency stating the account had be3n placed with them, so on, no balance shown or dates etc. Then going back found one response stating that it was included in a bankruptcy. And notations had been made on the account and I could not use or access information on the account. Had no way to get in touch about this. First and foremost I have never filed bankruptcy, and I am sole owner of the account. My wife filed for Chapter XXXX in XXXX of this year but she was absolutely not an owner, just an authorized user. She has verified this was not listed in her bankruptcy and her lawyer agrees. As of now, this is showing past due on my credit report, turned over to collections and I have tried at least 30 times to get access so that I could make my on time payments as I had always done. There will be another complaint against the collection agency, with an additional major complaint concerning discussion of this matter in great length with a third party without my permission. I have left messages for the collection agency and their Customer Support Unit, since XX/XX/2020 and they will not respond. My messages only asked that they call me ASAP.
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| 06/20/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I submitted a previous complaint and I am not happy with the response ( attached ). First and foremost they are stating I was not discriminated against when clearly I was. I would like someone to listen to the call as stated in the previous complaint when I was denied the option to change my payment options so I will not miss my forbearance payment arrangement. However as we fast forward to today I am now out of the forbearance agreement due to missed payments ( interesting ). The original complaint had to deal with me calling to make a payment and in the end they did not believe it was me and refused to take my payment. I was already in a financial hardship and now they have caused me even more pain. I want the credit reporting stopped until this issue is resolved. In the letter I was told I can make a payment. Please note I am locked out of my online banking and my statements are sent electronically. My last payment amount was {$20.00} a month in the forbearance agreement my new payment is unknown. I tried calling in XXXX 2017 again to try to rectify the situation since I have not heard back from the first CFPB complaint. I was transferred to credit department or collections not sure exactly which one. Where I was told that my credit will be fixed and they would take a payment. When I was transferred the call was lost. I then called back was given the number to the department I was being transferred to and again the call was lost. When I called the number to the department I was being transferred to it was a fax line. I had to get back to work so I was unable to attempt a 4th try. I want my credit report fixed and to be compensated for the hours I spent working on this issue. I spent well over 4 hours to rectify this and still nothing. The best result give me a settlement offer of 40 % of the balance and we can call it a day and we will never see speak to each other again I can promise you that. And most important as I stated previously FIX MY CREDIT due to your error.
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| 02/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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Barclays Bank is discriminating against me as a XXXX XXXX American female who has attempted to clear my debt and have my Credit Report updated appropriately, after they have received and cashed a Legal Closing Attorney 's Check which was submitted to them in XXXX and was endorsed and cashed by Barclays Bank on XX/XX/XXXX. They are now falsely claiming that they did not receive the check and causing my credit to be negatively impacting due to the systemic XXXX practices. Also, they Retaliated against me on this week by negatively impacting my score by XXXX points after opening up a dispute with XXXX. Also, when I called on Monday of this week XX/XX/XXXX, I informed the Barclays Customer Service Rep that I had planned to open another CFPB complaint, and in turn, I was retaliated against by Barclays who submitted another False Negative Update to my XXXX Credit Report, after they had already received the check and numerous communications had been made to Customer Service regarding the Settlement Account which had been paid for {$880.00}. Instead, they chose to Retaliate further against me as a XXXX XXXX American Female and U.S. Veteran after I raised concerns to Customer Service and CFPB in a prior complaint when they refused to provide me with the actual Settlement letter so I could close on our Home. This is nothing but blatant systemic racism and an economic suppression tactic exuded by Barclays Bank. My account has been paid and XXXX also verified the Settlement amount with Barclays, prior to it being paid as well, prior to our Refinance Closing scheduled with XXXX on XX/XX/XXXX.
They have done nothing but make excuses and lie with no intention on expediting and resolving my issues and concerns. They received proof that the check was cashed and placed into their account, and it is nothing but a Discriminatory Stall tactic to negatively impact my Credit score and manipulate the Credit Reporting Scoring System with the intent to harm XXXX XXXX Americans with no remorse.
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| 10/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Made a purchase with XXXX for a XXXX XXXX XXXX XXXX for XX/XX/XXXX - XXXX, total of a little over {$1900.00}. The property was advertised as a paradise location, however when we arrived, we found the jacuzzi was dirty, the couch was sinking in the middle, cobwebs were in the light fixtures above the bed, the fridge light was not working and was not cooling the food we brought, the microwave sounded like it was about to explode, the TV in the bedroom was not working, the water pressure was extremely low, the dryer shut off after 4 minutes and there were termite droppings in two locations of the small kitchen. Called the company, who immediately cleaned the jacuzzi, but we waited four days for a response on the other issues from their local office. Per XXXX XXXX regulations, the company management 's phone number should be posted on an outside sign, which it was not. Once the local office called back, they sent someone to fix the TV, fridge and dryer. Nobody came to clean the light fixtures or address the other issues. The day before check out, the air conditioner went out. The company said someone would come within 1 hour, which they did, but shortly after leaving, the AC went out again. The maintenance worker told us that the system was " rigged '' to work, and made adjustments for it to continue to work until we would check out ( by removing an auto-switch off if the water ran out ). As part of the Fair Billing Credit Act, I disputed the charge with Barclays, who ultimately stated we were billed appropriately. XXXX only offered a one night refund ( {$110.00} ), and the entire vacation was ruined due to the unpleasant condo unit. On the first day when we waited 15 minutes to have someone let us in, because the lock code was not working, we requested another condo and were denied. We are requesting a full refund due to the unsafe living conditions we were in ( TERMITES IN KITCHEN ) and will not request a refund for the food we had to throw away due to a faulty fridge.
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| 10/12/2016 |
Yes |
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Web |
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I had disputed a XX/XX/XXXX merchant charge with Barclay 's. It was removed XX/XX/XXXX. They then added back the unauthorized charge to my balance XX/XX/XXXX causing my limit of {$4000.00} to soar to over {$7000.00}. They then closed my card without notification or offering me new terms ( Credit Card Act of XX/XX/XXXX ), and have inflated the amount owed with criminal added fees. To compound this insult, Barclays is misreporting every month as late - 30,60,90,120,150 days late. YET every date they reported late - I PAID. They have been ACH drafting monthly payments from my account. How can I be late on a date they are autopaying from my account? Not only are they misreporting ; the entire file is wrong. They show me as late, AND they show the amount I paid. How can I have no balance XX/XX/XXXX, but pay double the amount due in XX/XX/XXXX ( autopay ) and be late? They even drafted from the wrong account several times that caused me enormous overdraft fees. I have had every excuse imaginable to not rectify the situation. I had pristine payment history before they added it XX/XX/XXXX. As of XX/XX/XXXX I am still being marked late.
I am now in an impossible situation. Their refusal to rectify the situation has caused irreparable damage to my credit and my livelihood. I lost a XXXX real estate deal because I could not qualify for the loan. They are monthly misreporting non payment from XX/XX/XXXX making that XXXX late payments. AND to add insult to injury ; they are reporting the {$7000.00} 'debt ', and have removed it from my total credit limit. The worst case scenario possible. Credit Debt {$14000.00} Total Credit {$7600.00}. They are essentially holding me hostage with a credit usage at XXXX %! I will never be able to have my XXXX score again. It will FOREVER be at XXXX unless I pay them this erroneous amount most of which is interest and fees. They 've updated the credit bureaus as dispute resoled, but as you can see there has been none. Barclays is ruining my life.
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| 08/05/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XXXX a charge was made on my carnival Barclay card from XXXX XXXX for {$1100.00}. This was for XXXX XXXX luggage. I received a box and didnt open the box because from what I was supposed to get was luggage double the size of the box. I emailed the company XXXX asking for an address to return the package. Im the email I got it was missing a zip code. I emailed for months trying to get this information and no one would reply to I just returned the package to shipper then notified the guy. I then got a response but it was too late. I called XXXX to find out if they still had the package so I could change the address since the return to shipper address was different but XXXX said since I refused the package I could no longer receive the package back or make any changes since I was not the shipper. I emailed XXXX letting him know & I forwarded the email I received from XXXX. He still said I needed to retrieve the package even after the email said since I refused the package the shipper would have to notify XXXX. I then disputed the charge with Barclay which was my credit card company. I said I am not paying for something I didnt receive. Barclay said they would investigate. I then got a letter XXXX stating I am responsible to pay the charge since the return happened outside of the return date. Which was not my fault that the shipper didnt get back in touch with me with his zip code. I then stopped paying my credit card. XXXX they tried getting in touch with me through email to make a payment plan. I replied as long as they will removed that charge I will pay & I want in writing that they will remove that charge & remove I was delinquent in my payments. They said they couldnt do that so I said Im not paying since either way it will affect my credit. Now I am trying to get a government job and they ran my financial background and I didnt get the job because of this. I tried working with Barclay but they didnt want to do anything for me. How can I pay them if I cant work.
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| 05/03/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XX/XX/XXXX, I was called by Banana Republic to inquire about a potentially fraudulent charge on my account. Approx {$230.00} in fraudulent charges were committed. I confirmed the charges to be fraudulent and the card was cancelled and a new card was issued approx XX/XX/XXXX. XX/XX/XXXX, I was notified by my credit monitoring service that I had exceeded the limit on my Banana Republic card and that my credit score plunged XXXX points. Upon investigation, I found that over {$1900.00} in fraudulent charges were charged from XXXX XXXX XXXX. The fraud department never contacted me about these fraudulent charges. Barclaycard ( the parent company for Banana Republic ) eventually confirmed the charges to be fraudulent and, at my request, closed the account. In XXXX, I got a bill for over {$900.00} in fraudulent charges on my account ( which was supposed to have been closed ). Again, when I contacted Barclaycard, they eventually found the charges to be fraudulent and closed the account ( again ). In XXXX of XXXX, Barclaycard issued a refund check to me in the amount of {$150.00}. I informed them that I would not cash that check because that was not money that was owed to me. I again reiterated that I just wanted to make sure my account was closed and that I no longer had any account with Barclaycard. XXXX XXXX XXXX, I received a statement from Banana Republic stating that I owed {$150.00} on my card. I called the company to inform them I did not owe them, had never cashed the check, and I just wanted my account closed. Now I have been charged a late fee for the {$150.00}. Barclaycard has been so frustrating to work with. At no point have they taken steps to protect my credit, nor have they treated my account with the respect it deserves. I have been a customer for over 20 years, but will never shop in Banana Republic again nor will I ever have another Barclay Card. Please help me resolve this situation, as they clearly dont care to close my account or resolve this issue.
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| 11/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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On or about XX/XX/XXXX, I became aware of more than {$20000.00} of fraudulent charges connected with my XXXX XXXX issued through Barclays Bank Delaware, XXXX XXXX XXXX, XXXX, DE XXXX. XXXX is a college savings program and I have held this credit card for almost 20 years.
I contacted customer service immediately, and the representative was able to tease out legitimate charges from the clearly fraudulent ones. I was told a fraud investigation was initiated, and instructed to cut up the card. These bogus charges were easily distinguishable in transaction size, the types of vendors reached ( i.e. XXXX XXXX ) and frequency of charge compared to my normal activity and spending patterns. At no time in the run-up to initiating contact with customer service did I receive communication from Barclays about large, unusual charges or increased frequency of card use.
On Monday XX/XX/XXXX my bank was legitimately charged for just over {$1000.00} in purchases, and funds were disbursed accordingly. On Tuesday XX/XX/XXXX Barclays, despite being on notice of fraudulent activity attached to my card, attempted to reach my bank account for more than {$20000.00}, putting my bank account seriously in the red, leading to bank fees etc. My bank, on XX/XX/XXXX declined to pay. Yet again on XX/XX/XXXX Barclays tried to access my bank account once again for over {$20000.00} in fraudulent charges. As of this writing, my bank account shows a negative balance.
On Saturday XX/XX/XXXX despite more than 3 hours in calls with more than 5 customer service, fraud, security staff at Barclays I was informed that a ) Barclays would not provide temporary credit pending completion of the investigation, or B ) intervene to stop efforts to collect from my bank account, despite more than 96 hours of notice about the fraud. c ) I was further informed that the investigation would take between 30-45 days to complete.
Additionally, I will be complaining to XXXX and have filed a XXXX complaint in Delaware.
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| 08/23/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Older American |
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We purchased a prepaid cruise and tour of the XXXX XXXX through XXXX XXXX XXXX, using a Barclays bank Master Card for installment payments. When we arrived at the hotel in XXXX, on XX/XX/XXXX, the XXXX XXXX, we presented the same card for incidentals. Upon checkout, on XX/XX/XXXX, we were charged and have a receipt for XXXX euro in incidentals. We continued to use the card, a chip card, for the rest of the trip.
After returning home, we see on our XXXX statement a charge for {$7300.00} on XX/XX/XXXX, from XXXX XXXX of XXXX XXXX. We have no idea who this is, or what the charge is for. When we reported this to XXXX, they took the charge off of our account, stopped the card, and issued a new card, and we thought all was well.
Subsequently, we were contacted by XXXX and told that since the card remained in our possession, and that it was a chip card, that fraud was not possible, so we are liable for this charge. We have disputed this statement, since we have no idea what the charge is and did not authorize it, it is fraudulent. XXXX XXXX tells us that the merchant is in the hotel business, so there must be some connection to the hotel.
After several go arounds with the XXXX fraud and dispute staff, including sending a letter XX/XX/XXXX recounting our story and disputing their denial of the claim, we received a call saying that they were standing by their position that no fraud occurred and that we were liable. Interest continues to accrue on this charge.
I called them today and were told two things, that the case was closed, and that a new case was opened # XXXX to request proof from the merchant about the validity of the charge. I told them that I was planning to file a complaint with the CFPB, and they were OK with that. I was told that a manager would be getting back to me within 24-48 business hours.
I hope that you are able to help with this matter. Its quite possible that we are not the only tourists who have been victimized in this way. Please advise.
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| 01/07/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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Credit card company is holding me responsible for spousal identity theft committed by my ( now ) ex-spouse. Spouse got a Barclay 's Visa XXXX Rewards card on XX/XX/XXXX, without my knowledge or consent, a month after I filed for divorce and fled our abusive home. I initially noticed the card I didn't recognize when I looked at my credit report in early XX/XX/XXXX. I immediately contacted Barclays and the said they would get back to me. They never did. Purchases to the account were made during this time and after, but I never received bills or statements or were aware of them in any way. The divorce was final XX/XX/XXXX.
In the midst of a difficult divorce, I did not follow up until XX/XX/XXXX when I received a letter in the mail from Barclays stating what they did with my information. I called them immediately, stating this was identity theft ; it was not my card and I have never had an account of any kind with them ; they opened a fraud investigation. Despite sending them police and FTC reports, Barclays ended the fraud investigation once I said I recognized the name of my spouse. However, he had never been an authorized user or in any way listed on the account ; I was the only name on the account. Despite this, all the contact information they had ( email, phone number ) was his. Prior to my contacting them in XX/XX/XXXX, I had never received a statement -- they were paperless, sent to the thief 's email. This violates the Fair Credit Billing Act.
Since we were still married at the time the card was opened, they are holding me responsible for everything. Barclay 's says no signature was required to open the account so I can't claim he forged my signature. What about all the fraudulent purchases made, was my forged signature required then? While I think my ex should be held responsible, I also am in no way responsible for this identity theft. I have closed the account but I know that fees and interest are building and threaten to negatively impact my credit.
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| 04/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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I've always had a credit score of over 800 because I always tried to be very careful with credit cards. a few weeks ago I was in the process of getting a home loan for a house I really wanted to purchase. My loan had gotten denied and I found out it was because my credit had dropped over 200 points. I had discovered my ruined credit was a result of an automatic online annual XXXX dollar charge on an old Barclays card I had. This is a card that I had for over a decade, I used this card in the past for hundreds of transactions and have always paid my balance on time every month. I had stopped using this card during the pandemic because of my financial situation and saving for the home purchase. I do not receive paper statements for this card. Some website apparently signed me up for an ongoing annual subscription and charged XXXX dollars to this card. I never received any communication about this small charge not being paid by me. I had finally received a letter from Barclays saying they closed my account, after the fact that is. I immediately paid for the charge when I found out about it, but my credit was completely ruined by that point. I had done everything within my power to communicate with Barclays to at least get my account reinstated as I've had a long and good credit history with them and I've always paid them on time. They did not reinstate my account and weren't willing to remove any negative reporting to the credit bureaus and I lost the home I was trying to purchase. All of this was over a XXXX dollar charge after being a great customer of Barclays since XX/XX/2004. They haven't communicated with me about what was happening and they chose to lose me as a good client and ruin my credit and not even try to fix anything. Total disregard to a person financial well being ... a long time client who made them a lot of money. I would love for you to publish this so people can be warned of how Barclays will completely disregard someone's life. Thank you XXXX
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| 05/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
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I made an online purchase with XXXX 's XXXX on XX/XX/20 in the amount of {$150.00}, order # XXXX. I used my XXXX credit card to make the purchase through XXXX. I was charged {$150.00} two times. Both charges posted to my Barclays card onXX/XX/2020. I received only XXXX order. I tried to contact XXXX 's customer service and was not able to get a response to address the issue. In my frustration, I returned the merchandise. XXXX 's sent me an email that they received my return and issued me a refund of {$150.00} on XX/XX/20. I was still charged the duplicate charge. I tried disputing this with Barclays card as the merchant was not helpful and Barclays responded with a letter stating they could not help me. I tried calling Barclays and was on hold for over an hour when I reached a representative who told me that Barclays accidentally charged it twice and they would be crediting the charge and then the same rep told me that I had to prove I didn't make the second charge. I tried to explain several ways that this was clearly a duplicate charge for which I only placed one authorized charge and was still seeking credit for the second charge. I was told a supervisor would call me in 7-10 business days to resolve and I have never heard from anyone since then.
It would appear Barclays did not attempt to address the duplicate charge at all. I have no proof of a second charge as there was no second charge. I only placed one authorized charge and have since returned that merchandise for which the merchant credited me but I was still charged that second charge.
I have attached the credit card statement showing 2 charges, the merchants email confirming they received my return, the merchants email confirming they issued the {$150.00} for the return, the statement showing the credit of {$150.00} on XX/XX/XXXX and the letter from Barclays that they were not able to resolve the issue.
I have no documents to show the second charge was credited, because that has yet to happen.
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| 10/10/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
Older American |
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In XXXX of the preceding year, I received communication from Barclays Bank offering me a significant incentive of 80,000 frequent flyer miles contingent upon my application for a Barclays credit card. In my capacity as a conscientious and law-abiding consumer, I decided to submit an application for a second Barclays credit card, motivated by the aforementioned enticing offer. I did not need another credit card ; Im retired and I travel so XXXX miles would be amazing. Keep in mind, I already have another Barclays personal credit card. They were using my existing account to bait and switch with this offer.
Regrettably, I have yet to see the fulfillment of the promised frequent flyer miles in my account. Furthermore, I have not received a refund for the {$95.00} annual fee that was levied, subsequent to my expenditure of {$2000.00} on the card. My primary concern pertains to the non-fulfillment of the promised miles, which I had been anticipating with eagerness.
When I engaged with the customer support division in an attempt to address this issue, the response I received was notably disheartening. I received a brief, two-sentence letter that effectively communicated their unwillingness or inability to rectify the matter in an amicable manner. This response gave the impression of a lack of commitment towards resolving the matter in good faith.
In light of this unsatisfactory experience, I have opted to terminate my credit card account with Barclays. Additionally, I am pursuing a formal complaint through your esteemed office due to concerns that deceptive practices may have been employed in soliciting funds from unsuspecting consumers.
It is indeed disheartening to find myself embroiled in this predicament, and I earnestly implore your organization to take prompt corrective measures. Enclosed herewith, please find an invoice detailing the annual fee that was charged to me, for which I expect full restitution.
I have documentation proving that they baited me.
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| 03/05/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
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Web |
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Since I was all the time getting offers from Barclay`s bank I have applied for Barclay`s AAdvantage Aviator Business card.I have a personal XXXX XXXX credit card with them with a limit of XXXX, but I don`t want to use my personal credit card for the business.
I have a excellent credit history.There is nothing negative in my application.i`m in a field where we are saving someone`s life everyday.We are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.i`m the XXXX of the company.and there lots of daily expenses and licensing expenses we have during our operation where I don`t want to use my personal credit card.And since Barclay`, my credit card company were sending me offers everyday to apply for a business card, I decided to get it.After submitting every document they called me on XX/XX/.After putting several hard inquiries on my credit report which is over 780 fico score, they told me you know what we don`t wan na give you business credit card because you already have XXXX XXXX XXXX XXXX with us.I kindly explained them that advising someone to use his personal credit card for business is not a right thing.And I also explained them that by putting several inquiries on my credit and without reason declining, you are not only damaging my credit score, but ruining my chances to get a business card from different bank.
I also told them that under the fair credit reporting act creditor can not taken an adverse action against consumer based on discrimination what I felt happen to me.I really felt that Barclay`s Bank treated me as their customer very unfairly without giving me the right reasoning.If their employees continue treating their own customers like this they will lose lots of customers, and I`m going to be one of them.If I don`t get this problem solved I`m going to cutt all my relationships with that bank.
Everyone in this country are equal.We are all paying taxes.No one, it doesn`t matter its a bank or individual can treat anybody unfairly in this country.
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| 08/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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Recapping compliant to file with XXXX.
See attached PDF of confirmations XXXX, XXXX, XXXX.
I made online reservations with XXXX XXXX 3 times staring Tuesday XX/XX/2022 using my XXXX XXXXXXXX XXXX # XXXX and it was denied each time.
XX/XX/2022 -Reservation # XXXX was denied and when I called XXXX XXXX Customer Service, no valid reason other than it looked like XXXX. I was told the charge was denied and to rebook the stay, the customer service representation had spoken to their security department. I also called the hotel directly to confirm the reservation could not and would not go thru, the cjharge had been denied.
XX/XX/2022 -Reservation # XXXX was denied again and when I called XXXX XXXX Customer Service and spoke to a XXXX, no valid reason other than it looked like XXXX being charged to my account. I was told the charge was denied and to rebook the stay, the customer service representation had again spoken to their security department. I also called the hotel directly to confirm the reservation could not and would not go thru, the cjharge had been denied.
XX/XX/2022 -Reservation # XXXX was denied again and when I called XXXX XXXX Customer Service, no valid reason other than it looked like XXXX. I was told the charge was denied and to rebook the stay, the customer service representation had again spoken to their security department. I also called the hotel directly to confirm the reservation could not and would not go thru, the cjharge had been denied.
XXXX time I used another credit card and booked the hotel successfully.
I have logged on several times to check my account to make sure the charges did not show up, but today 5 days later the charges showed up on my XXXX XXXX XXXX # XXXX and the hotel will not refund these charges. I am not paying for this, I should have had good customer service the first time I called. I called 4 times and was told all 4 times, once the charges were denied they would not and could not go thru on my account.
|
| 06/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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In XXXX of XXXX I opened up a Barclay 's Credit Card. As soon as i opened the card I had immediate problems. Balance transfers have been made without my consent by a XXXX XXXX. I called the problem into Barclays and to date it is still not resolved and they have reported to the credit agencies and my score has declined.
After months and months of issue and 2 bank balance transfer we made according to Barclay 's. {$3600.00} & {$1200.00} I do not have the card and I do not have access on line. I closed the account XX/XX/XXXX and I have a letter from Barclay 's bank documenting the account was closed with a XXXX Balance.
On XX/XX/XXXX, I received a letter now with a new account number ( that I did not open or authorize ) That a recent payment to my card was made in the amount of {$3600.00} and returned to my bank. I did not make any such payment and reported it to Barclay 's and at this point I have investigations open into this account and a police report from back in XX/XX/XXXX and a supplemental update in XX/XX/XXXX.
I have received letters from Barclays telling me while this is being investigated I would not be held responsible for this activity, and an adjustment will be placed on my account however that have sent me to collections they have reported to the credit agencies being late over 90 days for 3 months and although I received a letter when I closed the account back in XXXX of XXXX. They have opened up new account without my knowledge and when you read the documentation please take not all the account ending numbers. They just reported closing the account XX/XX/XXXX.
I need help every time I call they tell me another 30 days. I have spend countless hours trying to get this corrected, but to send me to collections and report to the credit agencies with my score now dropping over 100 points. This is outrageous.
I have sent them police reports and all the documentation and they will not stop collections they tell me I have to wait another 30 days
|
| 12/02/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
My name is XXXX and I am a victim of Identity Theft. The thief made various fraudulent transactions or opened a fraudulent account with Barclays in my name. In accordance with section XXXX XXXX XXXX XXXX of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( XXXX XXXX, I am requesting Barclay 's provide me copies of all business records relating to the account. This includes application records or screen prints of internet/phone applications, statements, invoices, and the full accounting history showing how the alleged amount was calculated.The federal law directs that they provide these documents at no charge, and without requiring a subpoena, within XXXX XXXX XXXX XXXX days of their receipt of this request. I am submitting this through the XXXX so it is on record as when I sent then, that Barclay 's received it and are aware of what I requested.
Additionally, I am writing to dispute certain information reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Affidavit and police report. Because the information they are reporting is the result of identity theft, and does not reflect my activities, I am requesting that they stop reporting this information to the CRAs pursuant to section XXXX ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ). Please investigate this matter and delete the disputed account as soon as possible. And I request that Barclays send me a letter documenting the actions they have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft.
Should they find the disputed information to be inaccurate or incomplete, or they can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA XXXX XXXX b ) ( XXXX ) ( XXXX ), to promptly notify the credit reporting agencies of deletion of this information from my credit file.
Thank You, XXXX
|
| 10/16/2015 |
Yes |
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- Closing/Cancelling account
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Web |
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I had few accounts with Barclaycard US and called them in to get my accounts closed. They then asked me to stay on with their company, in exchange for a retention offer, which they promised to put bonus points on my account, after some different charges I will put on my account. so I stayed on with them. However, I soon realized this was a gimmick, and they did n't even give me the chance to do so. it was just for them ; to be able to suddenly close it without notice, instead of me doing it, and to get it reported on my report as closed by credit granter, which is decreasing my credit score significantly. When I questioned them as to why they decided to grant my request to close it? their answer was since I drastically want over my credit limit. This is odd even if I would 've not have paid, as with every other bank either they do n't allow you to overcharge, or it 's no issue, especially weird of course after I paid already almost full balance. All this happened only after I warned them I 'll start litigation against them. since they were refusing to send a mid cycle update to the credit reporting bureau about a very large payment I made on the account right after the statement closed with a high balance, which is ruining my score as well. Despite the fact, that they did update right away the closure of my account done by them, even though it was still open on the closing date of the statement. They are not acting in good faith as every other bank would 've done to send an update to the bureau, even after I advised them of the damage it 's causing to my report having a large balance. They are also refusing to rectify the reporting as closed by consumer. I had a very big lost by using their cards above other companies, especially that they are not allowing me to redeem the rewards I legally errand by using the card and paying for it. In the past they also once in error stopped a check sent to me causing me damage. NEVER SEEN A BANK BEING SO STUBBORN NASTY!
|
| 11/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
Hello, I have a XXXX XXXX XXXX that was acquired by Barclay US. My experience has been a nightmare and the company has refused to resolve my issue for over a XXXX
I've contacted Barclay XXXX XXXX department on the following dates and times ( Eastern Standard ) Phone # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My account was transferred from XXXX XXXX to Barclay US and they have refused to grant me access to my online account and I have not received a statement. I attempted to log into the Barclay account using my information from my Gap account that did not work. I attempted to create a profile as I was told the profiles did not sync to the new company. When I try to create a profile I receive an error message that I already have a profile. Then I selected the option to retrieve my username and when I've used my phone number or email address - nothing is sent. I have tried countless times to call and resolve the issue with not being able to access my account online and no one has escalated or taken ownership to resolve my issue. How can I be liable for a bill that I have never seen?
The representatives have been rude and I have spent countless hours trying to call and resolve the issue with zero support from Barclay. Today XXXX, I called and spoke to XXXX # XXXX, who then transferred me to a Customer Care Rep name XXXX, who then transferred me to someone from the Securities team name XXXX who became XXXX XXXX XXXX on the phone and hung up on me. According to the recordings, all calls are monitored - if they allow their representatives to speak and treat customers in this manner they should not be allowed to be in business. These practices are predatory and deceitful and intended negatively impact customers. The amount of XXXX XXXX XXXX I've had to endure this past XXXX is unjust!
|
| 05/01/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
On XX/XX/XXXX , I received interest deferred promotion for 18 months from Barclaycard XXXX XXXX for purchasing an XXXX laptop for {$1300.00}. The practice of the company is to apply any payment over the minimum amount to the highest charged interest balances unti l 2 b illing cycles before the expiration of the deferred promotion, effectively preventing the consumer from paying a reasonable portion each month to pay down the balance. I received a letter from Barclays reminding me that my deferred interest was expiring and the balance that would be subject to interest was {$1300.00}, although my remaining deferred balance was {$1300.00}. After I received that letter, I made two payments equally {$820.00}, one dated XX/XX/XXXX for {$550.00} and one dated XX/XX/XXXX for {$270.00}. My plan was to pay {$270.00} on XX/XX/XXXX and the remaining balance ( approximately {$270.00} ) b efore XX/XX/XXXX . On XX/XX/XXXX I reviewed my most recent statement online and discovered that neither payment had been applied to the expiring deferred balance. I immediately called and spoke first with an agent and then to her manager, XXXX . The agent told me I should have made the payments 2 days later and they would have counted towards my balance, however, now that the payments were made there was no way for them to put them towards by deferred balance. XXXX was apologetic but adamant that because the payments had posted there was no way to apply them to my deferred balance. In no correspondence did Barclaycard state that payments needed to be made after XX/XX/XXXX , the letter simply said that payments needed to be made in order to avoid the application of finance charges dating back to the original purchase date. After much back and forth, she said she could try to push off the huge interest charge for a mo nth ( {$380.00} ) but that I still needed to pay {$1300.00} " as quickly as possible '' which I guess meant before the next billing statement XXXX .
|
| 02/02/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
On XX/XX/XXXX I attended a seminar that I was reach out to in reference to cancelling TIMESHARE that we no longer want. We attended and joined XXXX XXXX XXXX ( XXXX XXXX ) to cancel our memberships with my timeshares. This company stated that they have 365 days to complete this. As the year was passing by I sent them many e-mails because I was not seeing any results and was still getting e-mails and phone calls from the properties. I even contacted the Attorney General and they also were not able to contact this company. I Filed a disbute after the year was up, XX/XX/XXXX with XXXX ending # XXXX CASE # XXXX along with my attorney that was helping me with this case. His name is XXXX XXXX from XXXX XXXX XXXX and was on all the calls with me when we started to dispute.
It took a while for them to get my paperwork and still had to resend all my info again. I filled the original disbute on XX/XX/XXXX and several phone calls later. XX/XX/XXXX they finally opened my case and said they would have it resolved within 45 days.They finally send me a decision on XX/XX/XXXX and state that Due to the length of time from which I filled and the original purchase date I was past there complaint time to file. So we had to fight it again, On XX/XX/XXXX I sent a letter that I don't agree and had to open the case again. XX/XX/XXXX and had to resent all my info again because they had to reopen my case as to they. This has been way over the time frame 45 days they gave me as to when this would be resolved, I get a phone call in XX/XX/XXXX and they tell me they can not refund me the {$4000.00} because I would need an attorney to handle this for me because I signed a CONTRACT with XXXX XXXX. My attorney clearly said that was not necessary and we called them again and we did and they still had no answers for us. ( I have been trying to reach my attorney and now he is not responding to me, Another Issue ) The cc company was suppose to get back to us with a response and never did.
|
| 02/01/2017 |
Yes |
|
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Web |
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On XX/XX/XXXX, I tried to make reservations for a round trip from XXXX to XXXX utilizing my XXXX XXXX XXXX for a buy one full fare and get the second fare for half off. I was unsure of how to make the reservations so I called the XXXX customer service phone line. The custom service agent said to just to onto the XXXX website to make the reservations. After logging on the the XXXX website I made the reservations and paid but did not see any where on the webpage to get the discounted fare. I was charged for two full fares of {$690.00} each for a total of {$1300.00}. Upon realizing I was charged for two full fares instead of one half off, I immediately called back the XXXX customer service phone line again and this time the customer service agent told me that I had to make the reservations on my XXXX account. Due to the first XXXX customer service agent 's misinformation and being overcharged, I was told they would refund me the original two fares of {$1300.00}. I then logged onto my XXXX account and made the same reservations and this time I was charged correctly for one full fare and one half fare of {$690.00} and {$360.00} for a total of {$1000.00}. When I received my XXXX statement for billing period XX/XX/XXXX-XX/XX/XXXX, I was charged for 4 full fares of {$690.00} each and only credited for 2 full fares of {$690.00} each. I should have received credit for 2 full fares of {$690.00} each and half a fare of {$320.00}. I have written many letters to the XXXX and XXXX Customer Service Offices. XXXX did issue me a temporary credit of {$320.00} which would have taken care of the problem but then they reversed the credit stating the merchant already issued me a credit. I did not receive any credit from XXXX nor does any of my statements from XXXX show any extra credits. I am still waiting for a resolution to my problem. Also, I asked on many occasions that my credit card be cancelled and it has not been done yet and I was charged {$89.00} for the yearly fee.
|
| 03/25/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
Servicemember |
|
My XXXX year old daughter has a credit card debt that went to collections. This debt collection agency contacted her. She gave them permission to work with me on this. They called me and I told them to email me a proposal, and almost immediately after they emailed it they began calling me again. I emailed them to stop the phone calls to my daughter, me or any of her friends or relatives and that we could continue to work together in writing. I also asked that they validate the debt. They pressed to have payment of over {$1200.00} by the end of the month, which at the time was 12 days. I told them that was not possible and I needed a more reasonable payment plan. He sent me back something that had payments totaling over {$2500.00} at {$210.00} a month, with XXXX payments in XXXX. I countered that he had XXXX payments in XXXX, and I offered to pay XXXX even payments of {$320.00}. He said that he only got approval for the settlement if I paid it by the end of the month. I told him that may be but it was his issue that he went to his client with a proposal that I never agreed to. I said I suggest you take this to your client.. He said he would. This was yesterday, XXXX XXXX. I have not heard anything back from him. Today, XXXX XXXX, I get a phone call from XXXX XXXX with their company saying she wanted to get a final on this. I said you are not supposed to call me, and I am very busy. She proceeded to talk over me while I was asking her to validate the debt for me, she told me she would not call me again, and since she was talking over me, I could n't understand what all she was saying, but she said something about I 'll tell you what I 'm gon na do, and then I did n't hear anymore because I was asking her to validate the debt. I want them to validate this so that I can make a reasonable offer. I will pay what my daughter charged and a reasonable amount of interest. I need to see the statement so I can offer a fair settlement. They are unwilling to do this.
|
| 04/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX I was robbed in XXXX XXXX and Hotel in XXXX XXXX XXXX. My wallet was stolen with credit and debit cards from XXXX, XXXX, XXXX XXXX and Barclays among others. XXXX, XXXX and XXXX XXXX noticed unusual activities on their cards but alerted me and eventually declined the transactions. I couldn't receive the alerts because my cell phone was stolen as well along with 2 watches, wedding ring, {$1800.00} cash my driver 's license among other valuables. I alerted all credit card companies the following day. The Police were called to the scene and a report was made on the night of the incident.
When I got a new phone, I noticed that Barclays was the only institution that didn't try to alert me and approved transactions of approximately {$1000.00}. XXXX and XXXX did their investigation and established that the charges on their card were fraudulent. Barclays wrote to me on XX/XX/XXXX to tell me that their investigation was complete and that I was not responsible for the charges on their card. I have that letter in my possession.They kept on sending me statements with the amount plus other charges. They actually did auto pay from my bank account which I had reversed by my bank.
I have made 2-3 calls weekly to them in an effort to have the matter resolved but they keep confusing me, directing me to different departments within their organisation until a month ago I noticed where my credit score fell XXXX points because of their actions. I contacted XXXX who said that they would do an investigation. XXXX emailed me this past week to say that they believe that i am responsible for the fraudulent charges even though I was not contacted during their investigation. They said that they only spoke to Barclays. I have since closed the account with Barclays because I really don't even use their card. Last transaction was their annual fee of XXXX XXXX months before.
I have filed another dispute with XXXX but I was advised to report the matter to CFBP as well.
|
| 06/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
|
Barclay Bank Credit Card US - In XXXX I had a conversation with an agent of Barclay Bank regarding entering into a long term payment plan of 5 years to get my account current and get payments made to pay off the amount due. The confirmation # of the agreement we made is XXXX. In that conversation the agent assured me that within 4 or 5 payments of this new amount ( {$82.00} a month ) my account would show " current '' on ALL credit reporting agency reports and that as long as I made the payments, the account would be in good standing. This program was called the Long Term Assistance Program. In XXXX of XXXX, while trying to refinance our home with a VA mortgage, it was discovered this account is still showing as ALWAYS LATE. This is a lie. I have not missed a payment in 2 years. I called Barclays and filed a complaint ( # XXXX ) and spoke with 2 managers - XXXX XXXX and XXXX XXXX, who listened to the call from XXXX and agreed that this was indeed what I was told by their agent. However, the agent lied to me and what she assured me was the case, was in fact, a lie. I have asked the two managers to make this right and abide by the promises and assurance I was given and to make the account show " Current '' as I was told it would, and they both refused. Their answer is to apologize for the lie, and to tell me the account " doesnt qualify '' to be shown as current even though I have never missed a payment under the plan we agreed upon. They have refused to assist me and have even promised return calls that never came ( XXXX - I promise I will call you at XXXX Monday the XXXX of XXXX That call never happened and it took me 3 more calls to even get her to answer the phone ). What they have done is unethical and a true " bait and switch '' scheme whereby the consumer ( me ) believes what the agent promised me and I live up to the agreement - just to find out it was a lie and they are going to continue to fraudulently report the account is late, which it isnt,
|
| 09/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2021, I noticed an XXXX charge that posted to my credit card account on XX/XX/2021, totaling {$340.00}. Since we did not recognize the charge, my wife and I reviewed our shared XXXX account and did not see an order that matched that amount ( see attached file " XXXX Order History '' ).
I immediately contacted XXXX on the phone ( see attached file " XXXX Customer Service '' for evidence of the call ). The XXXX customer service representative found the transaction and stated that someone else ( possibly named XXXX ) logged into their XXXX account, made the purchase using my credit card, and then shipped the item to their address. I informed the XXXX customer service representative that this was not a transaction that I authorized, and she stated they were suspending the offending account where the purchase was made.
I received an email ( see attached file " XXXX Account Specialist '' ) from XXXX later that day stating " Thank you for confirming that the charges to your MASTER CARD ending in xx were unauthorized. We recommend that you review all recent activity on this card and report any unauthorized charges to your financial institution. '' I followed XXXX 's advice to contact my financial institution ( Barclay ) to inform them of the fraudulent transaction. They immediately cancelled the credit card, sent a new one, and reversed the charge.
On XX/XX/2021, I noticed that the charge was back on my account. I contacted Barclay, and they stated that the fraud department determined this was a valid charge simply because I have " previously done business with the merchant ''.
This is not an acceptable response as they could not provide documentation that they made any attempt to communicate with XXXX to get more information about the order. I expect my credit card issuer to provide the appropriate protections and conduct a thorough investigation before closing the case as it would be extremely clear that this was a fraudulent transaction.
|
| 12/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
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|
Web |
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On XX/XX/19 I applied for a new Barclay account to charge an XXXX purchase and was approved - when I got the credit card on XX/XX/19 I activated the account and it said successful - However, when I tried to register online account to view activity it gave me security questions ( supposedly linked to credit profile that I monitor daily ). Those questions were, previous car owned? and previous colleges attended? None of the selections applied to me at all on either question. Therefore they locked my account. I called company on XX/XX/19 to help gain access after I tried to use it and it did not authorize my purchase. I was driving and company wanted me to email a bunch of private information which I am pretty sure is illegal to request this email and since I was not able to do it I told them I would call back when I could depending on information they wanted. I called back and talked to someone today XX/XX/19 and they asked for, Front and Back of drivers license, front and back of social security card, Paystub, and utility bill. I informed them that was way too much sensitive information which would give them full access to my credit profile and I did not feel comfortable about sending it and asked for other options since I feel this may now be fraudulent. They said there was nothing else they could do without that complete information. I then said please close my account immediately because I can not use it and refuse to incurr charges on an account I can not use. They said they also could not close this account without all that information - I feel this is illegal for two reasons : 1. I should be able to close any account I want - 2. they should not be allowed to take copies of all that information. I have asked them to reset questions and I will do online again and they also won't do that. I now believe that this call center may be involved in fraudulent activity. They also refuse to send me an email verifying they are requesting this information
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| 06/17/2015 |
Yes |
|
- Closing/Cancelling account
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Web |
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After a recent evaluation of my credit report/score I noticed that my credit score had gone down from over XXXX ( excellent ) to around XXXX ( poor ) without having any credit or financial issues.
Curious as to what had happened, I learned that the sole cause of this distress was the merger of XXXX XXXX and XXXX XXXX and their credit card programs.
I was issued without request a new credit card, and desiring only XXXX card, my old credit card was erroneously terminated.
I had used the card since XX/XX/XXXX as my main credit card, but as a result of this mix up, my history now no longer goes back to XX/XX/XXXX but only to XX/XX/XXXX. Another involuntary effect of the change of card was that my credit line went from XXXX to XXXX, triggering a high usage ratio.
This loyal US airways/XXXX card customer has contacted the issuing organization, but all they are willing to do is increase the credit limit on the new card, after pulling and lowering my credit score even more, and not restore the longer running card and restore both my credit limit, history and consequently report/scoreIt will be clear that this reply is not acceptable and that further discussion as well possible legal actions are contemplated as:1. I did not request the new card issuance.
2. Implied was that the old card was to be replaced going forward.
3. Not enough care, explanation and implication was provided to an unknowledgeable consumer when approaching the issuing organization to only have XXXX card and terminate the older one.
4.Financial and reputational damage is incurred.
Finally, not a legal argument, but a loyal and credit worthy customer as of XX/XX/XXXX deserves a better treatment.
Therefore I hereby request through the appropriate channels to either reinstate/merge my former US airways/XXXX credit card or increase the credit limit on the new XXXX/Barclay card accompanied with a communication to the XXXX credit rating agencies, restoring my credit report and score.
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| 10/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Back in XX/XX/2022 my husband 's credit card was lost/stolen. I reported the fraudulent charges on the account. They started an investigation and I was credited for all these charges on the account. 3 months later in XX/XX/2022 the transactions re-posted on the account. I contacted them and they stated I needed additional documentation to support the fraud claim. I sent the Police Report, Fraud Affidavit form, Timestamps from my husbands job ( some transaction took place at hours my husband was at work ), Store/Merchant receipts ( went to some of the closer merchants and requested receipts ) and etc. I sent out these documents in XXXX ( via fax and mail ). I was told that the fraud case was denied because there were transactions months apart. I found out that a transaction made in the month of XX/XX/2022 ( which I didn't report as fraud was added to the fraud claim ). I told them to confirm and go back to the recording where I called to report the card as lost or stolen. They were able to verify that I didn't state this charge as fraud and took it off of the fraud claim. In XXXX I sent additional documents and never received a letter stating the status of the claim. I have only received calls from Customer Service stating that my account is past due and I have to make a payment. How I'm I going to pay for charges I didn't do?
There is a total of 20 transactions ( highlighted in red in attachment provided ) for a total of roughly {$7000.00} dollars + interest charges and later fees. After several months and requesting a supervisor/manager call back today I was contacted by a Manager and was told this. It's a disgrace.
They are still denying the fraud on the account and want for me to go to all the merchants and get a letter from them stating that my husband wasn't the one that made the charges. This is something that has been going out for months and still no resolution. I have already contacted a lawyer and want to proceed with legal actions.
|
| 12/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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On XX/XX/XXXX BARCLAYS BANK DELAWARE was removed my credit report however, it was added back XX/XX/2021. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data.
|
| 02/23/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Credit was opened with Barclays on XX/XX/XXXX and closed on XX/XX/XXXX ( by consumer ). I had decided to seek debt restructuring with Barclay 's regarding the {$6700.00} that was owed at the time. Due to immense financial hardships I was unable to to meet my monthly payment of over {$180.00} a month ( 24 % + interest ).
Barclay 's wasn't willing to extend help with this matter and instead of restructuring, demanded that I pay the monthly in 3 installments however the timeline of these installments were so close to the due date that by the time I would pay the third payment it was as if I had experience no relief. I lost my business and main income stream and had XXXX income for that period of time and was forced to rely on my Barclays credit card.
I inquired about renegotiating interest rates because they were so high however Barclay 's did not facilitate this even after explaining my situation. They sent an email for an offer to negotiate but in the end I didn't even qualify for the offer based on the account and was left without any further resolution in which they started to demand increased payments and possibly full repayment of loan. My only resort was to close the account, and even when I did interest still accrued and my amount owed moved from {$6700.00} to over {$7100.00}.
I kept getting calls and being bombarded by Barclays about the amount owed, emails, calls, letters to my home. It went into collections and the note was telling me to contact their debt collectors law office. I called Barclays and told them I am seeking consolidation and help from a potential third party who relayed to me that I should be contacted by Barclays however I still was.
I enjoyed a good relationship with Barclays in the beginning however it seemed in the end that even when I fell into extreme financial hardship, no effort was made to help me as a customer, there was just a demand for repayment and an extension of time just for the interest to accrue.
|
| 12/08/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American, Servicemember |
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On XX/XX/XXXXXXXX while vacation in XXXX, MO we attended an owners ' meeting and a man named XXXX XXXX sold us ownership in XXXX XXXX XXXX for {$3900.00}. This company was supposed to rent out any unused XXXX XXXX points and pay us for them.
After receiving our XXXX XXXX points in XXXX, I contacted or attempted to contact XXXX XXXX to find out how to proceed. I called the numbers provided on XXXX XXXXXXXX XXXX business card but the numbers are no longer in service ( XXXX and XXXX ). I also emailed XXXX and that address does not exist. I contacted the executive offices of XXXX in XXXX where we supposedly purchased ownership with XXXX XXXX and they informed us that XXXX XXXX had been fired.
I had no way to get in touch with this group and I contacted the credit card company to which the {$3900.00} was charged and informed them that this was a fraudulent charge and that we were unable to contact anyone ( even the info provided on the charging line of the credit card statement ( XXXX ) and that we had not received any services from them for which we had paid. The card is a Barclays XXXX XXXX card. Barlays immediately issued a provisional credit for the {$3900.00}.
On XX/XX/XXXX I received a letter from Barlays indicatingthat indicated that they had received a response to validate the transaction and that the merchant had not violated the terms and condidtions of the sales agreement and that the {$3900.00} would be reapplied to our account.
Again this morning XX/XX/XXXX I attempted to contact XXXX XXXX using the email address provided on the contract and received a reply that the address does not exist ( XXXX ) and I called the phone number provided ( XXXX ) and the number has been disconnected.
I am going to provide this additional information to Barclays and continue to protest the charge because evidently either this company does not exist or has gone out of business because WE HAVE NOT RECIEVED ANY SERVICES that this contract provides.
|
| 01/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
This regards an XXXX XXXX XXXX issued by XXXX and their failure to address 263 charges of {$20.00} each made toXX/XX/XXXX, which I did not make, over a 2-day period in XX/XX/XXXX. I first noticed these charges, totaling around {$5000.00}, on or near XX/XX/XXXX and calledXX/XX/XXXX customer service immediately. I have never been toXX/XX/XXXXand never visited XX/XX/XXXX online. I did not make these charges. I was told a " case '' was opened and that this would all be addressed. A new card was issued to me.
A few weeks later, I noticed that these charges were ALL posted to my NEW credit card ( dates of posting were between XX/XX/XXXX and XX/XX/XXXX ). Again I called and was told this was a " mistake '' and that another new card would be issued to me. I was issued a new card and have never activated it, never used it. However, as I kept checking my account online, the XX/XX/XXXX charges were not disappearing and showing up as balance owed ( with interest accruing ). I called again to complain and was told a case had " not been properly filed '' but that it would now be done, and I shouldn't worry. I also began sending messages through the online portal on my XX/XX/XXXX account. After >50 messages sent, not even one has ever been responded to.
Now, as recently as XX/XX/XXXX, about 75 % of the XX/XX/XXXXcharges from XX/XX/XXXX and XX/XX/XXXX were posted to my second new card. This is the card I HAVE NEVER USED NOR ACTIVATED. Today ( XX/XX/XXXX ) I called yet again to complain and was told AGAIN that a case had not been " properly '' opened. It has now been >90 days. My credit card balance remains around {$4000.00} from charges I never incurred. Interest is accruing. A XXXX payment is due. My credit score will undoubtedly be affected. I have a daughter in college and am taking out loans for her. This may not be a serious situation to XXXX, but it is dire to me. The US Federal Trade Commission is my last step before considering private legal action.
|
| 02/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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I have been in correspondence with their general customer service department and they are not investigating the negative information properly. They are very scripted, and this negative reporting is causing me great stress. I have provided more than enough enough documentation to get this negative reporting removed but they are not looking at the correspondence I have sent. So, I am now escalating this to your corporate office. Please read the information below and update this account as soon as possible.
I opened this account on XXXX in good faith that I would be treated fairly by your bank. I always pay this account in full and I am never late on any of my credit card accounts. I contacted Barclays Bank and told a representative I was setting up my payment through bill pay with my bank, XXXX XXXX XXXX. The representative told me that they would place my account on a temporary deferment as I was affected by the pandemic with work but if I wanted to proceed with the payment, I could.
My Barclays accounts was set up through bill pay with my third-party bank, XXXX XXXX XXXXXXXX and it was scheduled to be taken out on XX/XX/XXXX.
Unfortunately, I experienced compromised activity on my bank account with XXXX XXXX XXXX on XX/XX/XXXX.
I was assured that while my accounts were being investigated with XXXX XXXX XXXX, my reoccurring charges would be made with Barclays.
The missed payments were due to my banks error, as they failed to see that I had a payment for my Barclays credit card and flagged the payment " fraud '' and did not make it without my knowledge.
I have attached a letter from XXXX XXXX XXXX showing that this was a bank error.
To make matters worse, your company is reporting me 30 days past due when this was supposed to be on deferment anyways. AND this is over a {$13.00} charge!!!!!!!! {$13.00}!!!!!!!!!
Your institute advised me this would not report back in XX/XX/XXXX but it is still reporting and now it is not being investigated.
|
| 08/19/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Details of the problems I had with the merchant and Barclays are documented in the attached letter but in summary I do not have the painting and continued to contact Barclays and attempted to contact the merchant but he kept hanging up on me or not returning my call when I left a message or texted. XXXX XXXX, XXXX I purchased a painting presented on TV by XXXX XXXX using my Barclay Credit Card, however I received a fraud alert through my XXXX account, not my Barclay Card. I then researched and could not find this company online so I called the merchant back and cancelled the purchase. I could also see the merchant continue to try to charge my card so I called Barclays XXXXraud hotline and reported the situation and told customer service not to approve this merchants charge on my card because I suspected fraud. Barclays customer service rep assured me that they would not let the merchant charge my card. On XXXX XXXX I checked my XXXX account and noticed that {$1900.00} had been charged to my account again. I immediately called Barclays to complain. Barclays reversed the charge and reached out to the merchant. Early XXXX I noticed the charge again hit my account and at that time Barclays informed my that my complaint was not considered fraud as I had provided the merchant my card #. Since XXXX I have continued to complain with no progress and in XXXX XXXX received a letter from Barclays informing me they will do nothing to help me or reverse the charge. Barclays led me to believe they would protect me, however I learned in XXXX that their system does not have the ability to block a charge once the # is provided.I told Barclays from the beginning Barclays should have advised me to cancel my card and have Barclays reissue a new card and doing so would have protected me. At no time did I receive any advise. I do not have the painting and Barclays has charged my card {$1900.00}. The merchant will not communicate with me an Barclays has shut the case..
|
| 07/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
I requested a balance transfer of {$2800.00} on XX/XX/XXXX via the bank website. The credit card bank where I requested the transfer is Old Navy/Barclay bank . The money was to go a XXXXXXXX XXXX account.
On XX/XX/XXXX, I checked on the status of the transfer and saw it was marked as completed, stating the money went a XXXX account ending in XXXX digits that did not match my XXXX account.
I contacted Barclay bank was told to wait until XXXX as it takes time to transfer. I was also told the ending XXXX digits of the receiving bank, as shown on the balance transfer transaction, did not really mean what it stated. I was told it was a code of some sort that even the phone representative could not explain or access.
I contacted them again on XXXX as the money was still not reflected as a credit to my XXXX bank account.
I had multiple messaging communication online as well as the phone calls and each time I was told to 'wait '.
On every phone call I was asked for the receiving bank account number, which I provided. On one of the latter calls, I was told that I obviously mistyped the number so the money went to someone else 's account and a 'case ' was opened for research. I was told it would take XXXX bus days to complete the research.
I called today, XX/XX/XXXX, and this time I was told that when I requested the balance transfer I somehow typed XXXX digits into what should be a XXXX digit field. And ... the number I typed was somehow a valid account number at the receiving bank!
I was again told to wait it out for the research to be completed as it could take up to 90 days!
I asked to speak with someone else and was transferred. XXXX told me the money likely went to a 'holding account ' at the receiving bank. Ok, fine.. so let 's get this reversed. I have been alerting you since XX/XX/XXXX that there was an issue.
I just want the transfer reversed and all fees returned. I was told again to wait it out for the case to be researched.
|
| 01/10/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have an XXXX XXXX XXXX XXXX issued by Barclays Bank Delaware. My XX/XX/XXXX statement balance was {$2300.00}. I mailed in payment and payment stub to the XXXX, GA address listed on the payment stub around XX/XX/XXXX. Based on the endorsement stamp on the back of the check and my bank records, the check was received and deposited by Barclays on XX/XX/XXXX and cleared my bank on XX/XX/XXXX. To date the {$2300.00} payment has not been applied to my account. I checked my statement online on XX/XX/XXXX and noticed the issue. I used the online messaging system to alert XXXX XXXX XXXX XXXX to the issue. I never received a reply to that message and any trace of that initial contact has been removed from my online account records. I called on Monday, XX/XX/XXXX, and spoke to a customer service representative. She requested that I fax confirmation of payment so that the Payment Research Department could investigate the issue. I sent the fax to the number I was given, ( XXXX ) XXXX at XXXX XXXX CST on Monday, XX/XX/XXXX. The fax machine report indicated that the fax was transmitted successfully. I have placed calls to customer service on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have talked to three different customer service reps and one supervisor. None of them have been able to tell me anything about the status of the investigation other than " it will take 2-3 business days to complete. '' I have been repeatedly told that it is impossible for me to speak to someone in the " back-office '' or Payment Research Department about the issue. On XX/XX/XXXX, the supervisor I spoke with seemed to indicate that even the customer service department could not contact the Payment Research Department on my behalf. The supervisor could not even confirm if the fax I sent on Monday, XX/XX/XXXX have been received. The endorsement on the back on my check for {$2300.00}, which cleared the bank on XX/XX/XXXX, is from Barclays Bank, the issuer of the XXXX XXXX XXXX XXXX.
|
| 03/05/2016 |
Yes |
|
|
|
Web |
|
|
I am writing both in general, to suggest a new consumer protection, and specifically to complain about a company called XXXX ; please forward this email to the appropriate office for possible further action against XXXX. Years ago, I agreed to a recurring charge in order to watch their video products. For over a year, I have been trying through every means possible to cancel the recurring charges on my credit card. I have repeatedly used their online forms and followed the steps listed on their website, to no avail. I tried calling the company ( finding the number was a research feat in itself ), and further got no action. I have repeatedly contacted the credit card company to cancel the charges, and I think the current options for this situation are too limited. Because the charge is so small, generally the credit card company credits my account and essentially pays the bill themselves. I need to do this each month. I was told that XXXX might even find me after getting a new credit card through the same bank, and resume charging me on the new card. It 's incredibly frustrating that my only option seems to be to repeatedly contest the charge each month, with the result that my credit card company rather than myself pays these thieves.
I think this situation is very common, and I believe new laws and policies need to be pyut in place to help consumers and to make it impossible for this egregious behavior on the part of companies to continue. It should be possible for consumers to permanently remove recurring charges from their credit cards, without the consent of the company involved. This would shift the burden of re-establishing a financial relationship to where it belongs : back to the company that made it impossible to cancel recurring charges. I write to urge you to make this happen. Companies like XXXX should not be able to succeed in garnering money from recurring charges when they make it impossible for consumers to cancel the charges.
|
| 05/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
. Have a balance transfer option to pay an outside loan or credit card for a promo rate. You go to use that offer instead of transfer out to pay a bill. They want to take funds from from the credit cards and loans vs transferring funds to to take advantage of offer. They trying to steal have a screen shot of that scenerio Second thing i used a check that barclay bank sent me to use as needed XX/XX/XXXXXXXX XXXX XXXX I had confirmed with credit card company i could write in the amount of XXXX they they said yes i could write for that amount on XX/XX/XXXX ( screen shot from bank shows barclay declined and blocked account for no reason ) t When the bank was cashing they put a stop payment on check and caused my other accounts to freeze up i. I called barclay bank and explained there was an error they said there should not be and was instructed to rewrite a new check for XXXX and submit again to XXXX this time i put in a different account at XXXX barclay denied for a second time they said that one was no good to write a new check and submit to outside bank that was XXXX XXXX XXXX They rejected again XXXXXXXX XXXX spoke directly to XXXX at barclay bank and she told XXXX and myself 3 way call for bank to resubmit check that it is all fine they still will not honor without answers seems like customer service does not know. Several phone calls to fix they say its fixed but will not pay out check submitted and no answer as to why im told its fixed but it is not. Meanwhile they have lowered my cash advanced limit after their bait and switch verbally on the XXXXXXXX XXXX and verbally on the XXXX XXXX from customer service at barclay crediit card. This company is doing a bait and switch and mis representing causing their customers huge problems. I am singled out for no good reason. They offer it but do not honor i understand all terms and credit card terms this is not good practice have an XXXX Credit score a XXXX XXXX cred lmt. And a XXXX balance due.
|
| 12/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XXXX XXXX, 2020, a withdrawal of {$100.00} from my checking account occurred per Barclaycard US. I did not authorize this transaction and it is not noted on my online activity statement. I contacted Barclaycard who gave me a Case ID number of XXXX and informed to get proof from my bank showing the withdrawal. This information was faxed on XX/XX/2020 to the number provided. I received a letter dated XX/XX/XXXX from Barclay indicating a provisional credit of {$100.00} was placed on my credit card account. However, the letter also requested additional information such as proof of payment ( cashed check, money order receipt ). Unsure of what additional information I could provide, I contacted Barclay again and was informed that the fax was received and I did not need to send anything else. I received a letter on XX/XX/2020 - dated the XXXX - that the provisional credit was removed as I did not send the required proof requested which required me to make an additional payment, though I paid over the minimum prior to the due date. I contacted Barclay again on the XX/XX/XXXX and was informed that this could not have occurred without my authorization. I was told I would speak with a specialist and was then placed on hold for over 1 hour to speak to someone again.
I am filing this complaint because I am being ignored by the Barclay for a transaction that I did not authorize. I do not know what more I can do on my end as I have submitted the evidence needed.
First, my monthly payment was over {$250.00} at that time. So, I would not make a random {$100.00} payment.
Second, there is no activity on my statement showing an authorized payment of {$100.00} and that this payment was credited to my account.
Third, I have the transaction statement from my bank showing that Barclaycard US removed {$100.00} on XXXX XXXX, 2020, along with the fax confirmation form.
Finally, if I did authorize the payment, why is it not on my account? Why was it removed?
|
| 01/11/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
On XX/XX/2020 I applied for the Barclays XXXX XXXX Red Aviator Mastercard. The initial credit limit applied to the card was {$2000.00} which was determined by their computer system.
After learning of the low limit, I contacted the company and expressed my dissatisfaction. I was told that the amount issued was a preliminary assignment of credit and did not reflect the actual final credit limit that could be applied. I was told to call back when I received the physical card in hand and work with them to raise the limit.
Upon receiving the card, I contacted Barclays on XX/XX/2020 and they indicated that they would need to pull another hard credit report to raise the limit despite having just pulled the full credit report on XX/XX/2020. I asked to speak with someone at a higher level. I was transferred to the credit department and I was forced to have another credit report pulled.
I was told by the representative in the credit department that it was Barclays policy to pull another credit report despite the fact that one had just been pulled within the same or next week. I asked them to point to the policy in the " Important Information About your Credit Card Account '' document which outlines all of their policies and procedures as a card holder with all of the fine print. Barclays was unable to provide any such location or where that was located.
The representative indicated after review of my credit report he was unable to determine why the Barclays system only provided a {$2000.00} limit. Furthermore, he said that my credit report was of high value and quality and had no issues raising it to my requested dollar amount. He further stated that they use XXXX as their reporting agency and the first pull from credit bureau showed a credit score of XXXX and with the second pull to raise the limit, XXXX.
By requiring me to have a second report pulled within such a short amount of time, it can and has left a marked effect on my credit score.
|
| 01/09/2016 |
Yes |
|
- Credit card protection / Debt protection
|
|
Web |
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I bought a used refrigerator from a used appliance store, XXXX in XXXX, Florida. It came with a 30 day warranty. They did not offer delivery so I hired a professional moving company, XXXX XXXX to pick it up for a fee of {$100.00}. 27 days later I woke up to a hot refrigerator and lost all my food. I called the appliance store and he said I would have to bring it back. I called the same moving company, XXXX XXXX, to pick the refrigerator up and take it back to XXXX. The delivery was done.
I called the appliance store to see what was wrong and how long the repair would take. He said he could n't look at it for 2 weeks. I said I ca n't go two weeks without a fridge. He called me a XXXX and I told him to keep the fridge and reversed the charge on my credit card. I bought another refrigerator, replaced all my ruined food and moved on.
Months later, I get a letter from Barclay that the charge for the refrigerator was recharged to my card. What????? The appliance store suddenly claims the movers damaged the refrigerator. They shrink wrapped it and strapped it into the truck. I watched them. There was no damage.
This all occurred in XXXX. The mover went to the appliance store last Friday to speak with the owner and see the refrigerator. The owner told him he did not know what he was talking about. He told him to have XXXX XXXX call. I did. He yelled and called me some more name. I said I need you to credit my card or let me come pick up the refrigerator. He said he got rid of it. I supplied Barclay with his ads where he was advertising the same refrigerator for {$550.00} through XXXX. Now " he got rid of it ''.
I called Barclay and told them all of the above, again, and they still refuse to credit my card.
I am literally at my wits end. What Barclay is doing is causing me a literal nervous breakdown and should be illegal. Where does any kind of consumer protection come into this? What in the world are they doing? Please help me.
XXXX XXXX
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| 10/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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I contacted Barclay around the first of XX/XX/XXXX because I was charged {$99.00} annual fee. The promotional offer was {$0.00} intro annual fee for the first year, then {$99.00}.
Since this time, they have not removed the {$99.00} annual fee. The account was opened in XX/XX/2019. Today, XX/XX/2019, I spoke with XXXX who told me there was no " {$0.00} intro annual fee for the first year ''. I explained to him that I had the brochure in my hand and that it was advertised both on the brochure & on the XXXX XXXX flight that it was {$0.00} intro annual fee for the first year, then {$99.00} ''. He explained that there were several promotions and this was not one of them. I asked to speak with his supervisor to which he told me that they would " tell me the same thing. '' He then proceeded to tell me that the " NO ANNUAL FEE '' was effective for " XX/XX/XXXX '' only. NO WHERE on the brochure does it say that. It says to sign up before XX/XX/2019.
I explained AGAIN that the REASON I signed up & the reason given to me by the flight attendants & brochure were for the following : 1 ) {$0.00} intro annual fee for the first year, then {$99.00}, 2 ) 60,000 XXXX XXXX XXXX Bonus Miles, 3 ) {$99.00} companion flight certificate, 4 ) {$25.00} back on in flight Wi-Fi purchases, 5 ) 25 % inflight savings, 6 ) Preferred boarding & free 1st checked bag, 7 ) Earn 2x XXXX miles for every {$1.00} spent on AA purchases, and 8 ) Earn 1x XXXX miles for every {$1.00} spent on all other purchases, 9 ) I would receive 500 bonus miles since I was a first-time applicant. All of this if I signed up before XX/XX/2019 ; which I DID! ( and all I needed to do to make this happen was simply to make 1 purchase! " Even if was a pack of gum '' as explained by the flight attendants. ) This is nothing but a racket and terribly disappointing by a major Airline who has chosen to partner with such a terrible financial institute. I want a refund for my {$99.00} that they charged me!
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| 01/25/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Personal information incorrect
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Web |
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Barclays XXXX XXXX XXXX Elite Mastercard closed my account stating that I was 90 days past due. The charge that was past due was an annual fee. Prior to this charge the card had a XXXX balance for over 3 years. I had no idea this card had a balance due because I never received any statements by email or mail. The email address used for paperless billing was not mine. The only notice I received by mail was the notice stating that I was 90 days late and my card was closed. I had no knowledge of anything on this card. Fast forward a year later, Im in the process to purchase a house. When my credit report was ran, it showed I had a derogatory mark on my credit report for an account I had no knowledge about, but the account has a XXXX balance. I called Barclays to speak with someone regarding my situation, they told me to file a dispute with XXXX, XXXX and XXXX Credit Bureaus and then with those findings Barclays will change my account to reflect their findings. All disputes came back accurate and verified and they removed everything from my credit report. Barclays on the other hand, is making me jump through hoops even though it has been verified with all the credit bureaus. Barclays told me that they put my account to zero balance out of courtesy to me, again without my knowledge. Yes they took away my balance and made it XXXX, but they also put my credit reports in a negative mark. It was showing that I was 30, 60 and 90 days late. Which is a big red flag for any lender. Trying to call Barclays is horrible, customer service for this company is horrible. Requesting information from Barclays to send a letter is done by mail only. They do not expedite mailings, even when I requested to pay for it. I feel like calling them is like calling another country and they are located in XXXX, Delaware, in the United States. I will never recommend anyone to do business with Barclays. They will actually be the one credit card company I tell people to avoid!
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| 12/27/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
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XX/XX/2023, I received notice from XXXX XXXX XXXXXXXX that my credit score had negatively changed. Upon receiving this notice, I reviewed my credit report and noticed that Barclays had shown me XXXX-days delinquent on XXXX of my credit cards. I then went to Barclays ' website to look at my accounts and printout any statements that could shed light on the problem. It turned out that I had made a charge on the card in the amount of {$7.00} in XXXX on an XXXX XXXX flight. However, Barclays had failed to send me any statements or provide electronic notifications. I immediately printed out the missing statements and made payment of the {$7.00} from the XXXX charge. I then contacted Barclays to address the late fees and interest. After discussing the issues, Barclays agreed to remove the late fees and interest charges. However, they wanted me to pay the {$39.00}, which would be credited back on the next statement. I explained that this seem rather unusual and a waste of everyone 's efforts. But the staffer stated it was policy. I requested to speak with a manager, who called me back the next day. After the manager 's review and based on our discussions, it was agreed that I did not need to send any money and the account would show a XXXX balance on the next statement. It was also agreed to restore my credit limit back from {$500.00} to the original {$20000.00}. I requested, and the manager agreed to work with the consumer credit reporting agencies to correct the faulty reporting, to restore my credit rating. I filed dispute notices with the agencies and got the usual response. I have tried to work with Barclays, but just get form letter. The latest letter states that Barclays will advise the consumer credit reporting agencies that I dispute the information that Barclays provided. However, they have not given any indication that the manager or anyone from Barclays is make an effort to correct the faulty reporting and get my credit rating restored.
|
| 05/02/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX This complaint is with Barclays XXXX credit card.
On XX/XX/XXXX, I was talked into purchasing a vacation club through XXXX XXXX in XXXX XXXX XXXX. What they sold me were several items that I found to be untrue after I received my club login a month later. The contract does state that its non-cancellable but I did not receive what they sold me.
XXXX asked for my permission to run my credit so they could preapprove me for their in-house financing. I later found out that it was not in-house financing. It was an application to a Barclays XXXX credit card ( which has caused my credit score to decrease ).
When I realized that I was not going to receive the items XXXX ( XXXX XXXX ) sold me, I disputed the {$3900.00} charge with Barclays XXXX. This was on XX/XX/XXXX. It took Barclays over FIVE MONTHS to update me with a dispute status. Attached is a copy of their response. Barclays claims that I indicated that I wanted to work with the merchant. This could not be further from the truth. I had told Barclays that I did try to work with the merchant BEFORE I disputed the charge and XXXX would not budge. Barclays was unable to tell me when or to who I supposedly told this to. She said it was an error and that I had to send all documentation back in to re-open the dispute. I confirmed today that they received my documents a week ago but it was still sitting on their desk and has not been reopened yet. The rep said he would escalate. At this point, I have no confidence that they will actually follow through.
Arent there laws in place that only allow a specific time period for the merchant to respond to a dispute and if they dont then the credit card company is supposed to charge back to the merchant??
Evidently, Barclays XXXX has a direct relationship with XXXX to quietly open credit cards.
I just want my {$3900.00} refunded. XXXX and XXXX can work out the details between them.
My Barclays acct number is XXXX XXXX XXXX XXXX. XXXX XXXX
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| 04/05/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
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XX/XX/XXXX {$59.00} charged Per XX/XX/XXXX email : {$25.00} Per XX/XX/XXXX email : {$51.00} due ( no calls, emails, or mail from Barclay of issue ) Per XX/XX/XXXX email : {$93.00} due ( no calls, emails or mail from Barclay of issue ) Per XX/XX/XXXX email : {$160.00} due ( no calls, emails or mail from Barclay of issue ) Per XX/XX/XXXX email : {$180.00} due ( no calls, emails or mail from Barclay of issue ) Letter in mail from Barclay received XX/XX/XXXX. Card closed. 90 days past due. No amount given.
XX/XX/XXXX : called customer service, balance of XXXX. Spoke with representative, said my account was in collections and I owed {$210.00}. Immediately paid online within closed account {$210.00}. Unable to do anything else as weekend and after hours customer service representatives do not have access to accounts in collection even though they are the phone # listed on letter.
XX/XX/XXXX : called same customer service # and representative was able to assist in giving information as well as submitting dispute for me.
XX/XX/XXXX : Received decision from Barclays that since they delivered my statements to me via their online website, they declined to honor my request.
I always pay my bills and may have missed one but immediately rectified it since other businesses made sure I was aware of an issue. Barclays failed to let me know there was an issue and also charged me late fees in the amount of {$150.00}. Almost 3 times the original charge. Barclays only communication with me that there was an issue was when they mailed me the letter closing the account. This does not appear to be an above board way of doing business. I also received news on the paper statements mailed to me on XX/XX/XXXX that effective on or after XX/XX/XXXX, late payment fee was " Up to {$40.00} ''. Since I was charged {$39.00} on 2 separate occasions prior to XX/XX/XXXX, I am wondering how that makes any sense. It appears they charged me more without it being in effect.
|
| 02/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
I received a Bill From Barclay for My XXXX XXXX XXXX ( ending in XXXX ) for an annual fee. I never use the card so I called to close it on XX/XX/XXXX. I told them that I wanted to close the card and asked to have the annual fee and any late fees removed and my account closed. They indicated that would happen.
It apparently did not, because I continue to get emails of past due and now my credit has been ruined from NEAR perfect score!!!!!! I am now getting called by companies to help with my debt issues. BUT I HAVE NO ISSUES WITH DEBT. I HAVE AN ISSUE WITH A CREDIT CARD THAT IS HOLDING ME HOSTAGE AND RUINING MY CREDIT RATING.
I have called them no less than 4 times including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have called all these numbers : XXXX, XXXX, XXXX, and contine to have them say they will deal with it but they don't. When I called on XX/XX/XXXX, I held for a Supervisor for 10 min. They came on the line after 10 or more minutes and said there was not a Supervisor available, but they would call me back that day. They did not.
I called today and they act like they are just now looking into this ( bcz I am calling ) and my call on XX/XX/XXXX asking for the card to be cancelled. " It will be reviewed '' I said " why does it take almost 2 months to cancel my card and in the mean time ruin my Perfect Credt Score?? '' " What do I have to pay you to make this nonsense stop??? '' I told them I was contacting you to report them!
Again they say a Supervisor will reach out to me. I asked her today what is the RANSOM I need to pay to be let out of this Credit Card????? I WANT THEM OUT OF MY LIFE AND I WANT THEM TO RESTORE MY EXCELLENT CREDIT!!!!!! NOW!!!!!!!
I have another Barclay XXXX I constantly use AND PAY OFF EVERY MONTH TO THE TUNE OF SEVERAL THOUSAND DOLLARS! You can tell Barclay that I will be cancelling that one as well because of the way I am being treated after being a customer with them FOR DECADES!!!!!
|
| 05/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Older American, Servicemember |
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Between XX/XX/2023 and XX/XX/2023, I was either in XXXX or traveling between XXXX and the United States. On XX/XX/2023, an email Weekly Account XXXX notification was received that reported no new posted account activity. On XX/XX/2023, multiple account email notifications were received that reported : 1 ) {$900.00} had posted to the account 2 ) Six ( 6 ) transactions had posted to the account These transactions were fraudulent. When I saw these email notifications, I immediately logged into the Barclay XXXX website and locked the credit card on XX/XX/2023 and received an email notification to confirm that the card had been locked. I then began the process of notifying Barclay, the vendors listed in the transactions, and the XXXX XXXX Police Department about the fraudulent activity.
Of the six ( 6 ) total transactions, five ( 5 ) transactions were removed from my statement, but one ( 1 ) transaction for {$290.00} remained, with Barclay claiming that this was a valid transaction even though it was and is fraudulent. I closed my card with Barclay, but they want me to pay this fraudulent charge.
I submitted an appeal with Barclay on XX/XX/2023 over the phone, where they verified that the address used in this transaction is not and has never been associated with me or my account. I also faxed a number of documents and signed statements to attest that the address and charge are not mine and to provide evidence that I was not even in the country at the time.
I was told that a decision would be made in 7-10 days. Well after 10 days had passed, on XX/XX/2023, I called Barclay to verify the state of the appeal and was told it would take another 7-10 days, which would require me to pay the fraudulent charge due to the statement due date.
I think Barclay is intentionally dragging this out to force me to pay the charge or ruin my credit, at which point they'll use the payment to conclude that the charge is not fraudulent even though it is.
|
| 01/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
Last XXXX ( 2019 ) I flew from XXXX to Texas on Frontier. The stewardess made an announcement regarding the Frontier credit card. She promised a certain amount of bonus miles as well as promising that the annual fee of {$79.00} would be credited back to the account if a certain amount were charged to the card within ( I think ) the first 30 days. She passed out the applications, I verified with her the promotional agreement re bonus miles and fee. I received the card and used it immediately, satisfying the terms she stipulated.
When I received my first statement, my charges AND the annual fee were pending. I called Barclays who claimed to know NOTHING about such a deal. The representative I spoke with suggested I wait until the next statement to see if the annual fee were credited back to me then. It wasnt. So I called again only to be told they couldn't do anything for me, that it was Frontier 's responsibility. At one point I was told that if I had only called within 60 days, they could have closed the account and refunded the annual fee. My original call was within 60 days. I paid off my charges and the interest on said charges, contacted Barclay again to close my account and notify them that I was disputing the annual fee only to receive a statement the following month with a late fee. Once a dispute is made to an account, it is standard procedure to freeze the balance there and send a report to the credit-reporting agency of delinquency. So I contacted them again. Their plan is to continue to add a late fee each month.
I also called Frontier customer who referred the situation back to Barclays because they were the bank. They intimated/stated that I had misunderstood the stewardess. I am neither unintelligent nor hard of hearing. Besides, I verified that specific information with the stewardess before disembarking.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX Acct. # XXXX XXXX XXXX XXXX SS # ending in XXXX
|
| 03/29/2016 |
Yes |
|
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|
Web |
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There was a charge to my account on XXXX/XXXX/16 I did not recognize so I called to report fraud. They closed my account and sent me a new card while they investigated. Then on XXXX/XXXX/16 there was another charge from the same merchant but on my new account? I found this out when I called them to follow up on the status of the first fraud charge. The amount was different than the first charge. The amount is reflected in my balance but is no where in my activity or on any of my statements. They can not explain why but assure me the charge is there. Again I told them I have not done business with this merchant and I want it removed. I was angry they even allowed the second charge and did not even notify me. And therefor what is the point of closing the account and giving me a new XXXX if the person committing the fraud can still charge the previous account and then it bounces to your new account. Their explanation was I must have signed up for something with monthly payments. Again I told them I did not. Next they closed my XXXX card and issued me a third XXXX. They gave me the number for the merchant and I called and spoke to a man. He said it was his business but he did not charge my account. He said if I can show him proof with a statement or activity he would gladly send me a money order. I called the credit card company again and they told me they ca n't print it and they have no idea why I ca n't see it or why it is not on my statement. So I ca n't go that route. Next they said they will need to start another fraud case and investigation for this new charge. At this point it has been 2 months and about ten phone calls around in a circle with a different person every time and the amount is still reflected in my balance. The last person I spoke with assured me they would take care of it and it would be XXXX5 business days. It has been XXXX now and I 'm fed up and very angry. I also wrote them a complaint letter and go no response.
|
| 11/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Used XXXX XXXX XXXX XXXX online bill payment service to issue payments to my credit card company. Unfortunately, I selected an old payee from the dropdown list and made two payments to the former card issuing bank, XXXX XXXX XXXX
Payment Date : XX/XX/19 Payment Amount : {$220.00} Payment Date : XX/XX/19 Payment Amount : {$94.00} The XXXX card portfolio was subsequently sold to Barclays and is where I intended the payment to go.
I've been in contact with XXXX XXXX XXXX ( multiple times before XX/XX/19, XXXX XXXX ' online banking provider - XXXX ( XX/XX/19 XXXX XXXX ), XXXX XXXX XXXX XXXX XX/XX/19 @ XXXX Hawaii Time, XXXX XXXX ), and Barclays ( XX/XX/19 XXXX Case # XXXX ; XX/XX/19 XXXX XXXX and his manager, XXXX XXXX XX/XX/19 CSR? And her manager XXXX ; XX/XX/19 CSR XXXX ).
XXXX XXXX XXXX sent payment tracer information to Barclays on XX/XX/19 and XX/XX/19.
Barclays sent a letter dated XX/XX/19 to say that on XX/XX/19 they issued provisional credit in the amount of {$220.00}. That is incorrect. The credit was posted on XX/XX/19, as shown on my XX/XX/19 statement. I have not received word about the status of that case.
I received a credit balance refund check on XX/XX/19, that included the provisional credit.
I received a vague letter from Barclays dated XX/XX/19 saying they received my recent paymnent inquiry and are unable to complete my request at this time. I assumed it was regarding the {$94.00} payment, so I called. The CSR told me they can't find that payment so they can't help me. She said they found the {$220.00} payment and that's why they issued me a check. After I used the term " provisional credit '' and questioned whether they were in violation of Reg E, she recanted and also committed to escalating my compalint to a manager who would call me back within 24 to 48 hours.
I am unable to attach documents at this time but can do so in the future if you provide an email address or a portal where I can upload them.
|
| 01/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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|
Back in XX/XX/XXXX, I received a letter from XXXX XXXX that indicated I had been apart of a data breach through their security system. I went in and registered my information with XXXXXXXX during that time and had not heard anything since.
On XX/XX/XXXX, I was reached out by someone at a local XXXX XXXX indicating that someone came in and tried to request an apartment application with a fake license and SS using my name. She reached out to me letting me know, during that time I put my name, credit, and information on ID Theft Protection website to ping me for any inquiries that were fraudulent. They denied the credit application, this was at apartments of XXXX XXXX XXXX in XXXX. Since then I have not received any credit hits and assumed that this was a one-off occurrence.
On XX/XX/XXXX, I received a hit from XXXX inquiries on my credit application to purchase a vehicle from XXXX XXXX of XXXX with XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX I reached out to XXXX XXXX and all XXXX additional vendors and confirmed that the inquiry did not go through ; however, I notified the address on the inquiry was in XXXX, Texas. I started to XXXX the address and noticed that it was an XXXX XXXX XXXX XXXXXXXX called XXXX on the XXXX. I reached out and spoke to the office XXXX and he indicated that they did have someone living at the facility. I confirmed my name, date of birth, license information and SS with him and he did confirm that someone is there at the facility.
He indicated that there was nothing that the apartment complex could do even through I am indicating that this person has used my identify to get an apartment. The only thing I could do was file a police report, which leads me too today.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Barclay 's Bank Delaware XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
|
| 02/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
On XX/XX/2021, I applied online and was approved for Barclays ' XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I applied for the card because I found their sign-on advertisement attractive, I would get 50,000 Miles & More miles after spending $ 3k the first 90 days and paying the annual fee. Although I fulfilled both these requirements, I did not get the bonus miles. I contacted Barclays ' customer support on XX/XX/XXXX to inquire about the status of the reward. The customer support team was able to confirm I completed all the requirements and it should take a couple of days to see the miles. I wrote to their support on XX/XX/XXXX as well and received an answer they will investigate. I received a reference ID : XXXX. I wrote to them again on XX/XX/XXXX since nothing was changed. I heard back the same answer again, that it will be investigated. I had already wanted to use the miles at this point. I reached out another time on XX/XX/XXXX and heard back the same, automated answer. Today on XX/XX/XXXX, I called again and was told by customer service representative XXXX, again, that I completed my requirements and I should get the miles. She asked me to wait another 7 to 10 days.
Their terms of service state : " Please allow 4-6 weeks for bonus award miles to be deposited into your Miles & More account after the qualifying purchase ( s ) have posted to your Account and your annual fee has been paid in full. '' I've been waiting since fulfilling my commitments in XXXX. How long must I wait for Barclays to fulfill their promise? I've already wanted to use the miles, which I could not do, not because of any fault from my end. At this point, I feel defrauded. This was a false advertisement. I made sure to spend $ 3k in the time so I can earn the miles and benefit from them. I would have made purchases with my other cards otherwise and enjoy their benefits.
Violating their own terms of service should be illegal. I hope you may be able to assist.
|
| 04/08/2016 |
Yes |
|
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Web |
|
|
I applied for a credit card with one of those hand written applications on a plane flight.
I never heard anything from the carrier or the credit card servicer. I figured that for some reason the application was denied. After several months I found that my credit score had dropped. I obtained a report. Apparently the credit card company ( Barclays of DE ) had opened a credit card and account in my name without my knowledge. When I contacted Barclays on XXXX the agent verified that the address and email address on my account were both wrong. Apparently XXXX gives Barclays these hand written applications and the people transcribing them to digital application often transcribe incorrect information. He also mentioned that the company had tried to contact me by mail only and all letters were returned. In spite of this Barclays still opened a credit card account in my name, knowing they would be unable to contact me about this account. Three months earlier the company had charged an annual fee to the card. The account was now closed by the company but a past due balance was still remaining that had since had a negative impact on my credit score. My score dropped XXXX points in a month and now I am having difficulty applying for housing in the new city I moved to. What 's more I feel like opening these kinds of accounts knowing that they are unable to contact the account holder is a major financial security risk. If someone had gotten ahold of this card I would have no way of knowing obviously but additionally Barclays would have no way of contacting me about the fraud.
When I contacted Barclays, all they could offer was a mailing address where I could send a paper letter. Apparently the account and situation would then be reviewed and it could take up to 30 days for the company to make a decision on whether they would contact the credit bureau. These are unfair, unsafe and predatory practices by a XXXX company on and American citizen.
|
| 05/12/2015 |
Yes |
|
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Web |
|
|
While on board a US Airways flight on XXXX/XXXX/XXXX, I received an offer from US Airways representatives on board the flight for a MasterCard. They provided me with the attached flyer that describes the benefits of the card and stated that we would receive these valuable benefits if we applied for the card while on board the flight. My wife and I each applied for separate cards during the flight and tendered the applications to the US Airways representatives. We each received separate cards in XXXX XXXX ( The annual fee of {$89.00} was billed on my account on XXXX/XXXX/XXXX and on my wife 's card on XXXX/XXXX/XXXX. The attached flyer provided by the airline references benefits of the card that include : - {$99.00} companion certificate. The application states '' Every year you will receive a companion certificate that allows up to XXXX guest to travel for {$99.00} each, plus taxes and fees ... '' - Complimentary US Airways Club day pass -First Class Check in and Zone XXXX boarding.
-first checked bag free for me and up to XXXX travel companions I received the companion certificates and other described benefits for my first card year, commencing XXXX/XXXX/XXXX, as did my wife. According to the brochure, we are to receive the companion certificates on the anniversary date for each card. I was charged another annual fee of {$89.00} on XXXX/XXXX/XXXX. I contacted US Airways BarclayCard tody to request my companion certificates and other benefits for XX/XX/XXXX and I was informed that they have changed the program and these benefits are no longer available. I received no notice that the benefits were changing prior to being charged the annual fee. This is a classic bait and switch scam.The value of ( XXXX ) companion tickets in the US can be as much as {$1000.00} per ticket or more, depending on dates of travel. I request that US Airways honor the benefits that we were promised to my wife and I for our respective credit card accounts.
|
| 03/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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To whom this may concern, I am writing this complaint to express my tremendous financial distress that I have been facing due to the car accident I had on XX/XX/2022. As a result of the accident, I have had to deal with various issues that have affected my health, finances, and credit score. Unfortunately, I have also been forced to deal with the consequences of the delinquencies on my auto loan and credit cards from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and Barclays.
I am highly disappointed that XXXX XXXX XXXX failed to inform me of my outstanding auto loan balance, which resulted in delinquencies on my account. My XXXX XXXX XXXX Adjuster/Claims Resolution Representative, XXXX XXXX XXXX informed me that I would have the option to add the remaining balance to my new auto loan once the claim was settled. However, I did not receive any notification to make a payment on the account to prevent any delinquencies from occurring. As a result, my credit score has been negatively affected, which has brought me further financial distress.
Furthermore, Despite my efforts to stay current on my payments, my credit score has dropped from a XXXX to a XXXX, and I have had 5 missed payments on my credit cards. My income has taken a massive hit since the accident, as my business has only generated {$8000.00} between now and XX/XX/2022, compared to the {$10000.00} a month gross income I was making before the accident.
The back and neck soreness that I am experiencing has further added to my physical and financial burden. To make matters worse, I was not informed by my insurance company that I was supposed to show up to the arbitration hearing, which they later settled for XXXX XXXX leaning our way which I believed if I was there it would've been 100 %.
I urge you to take my complaint seriously and to take the necessary steps to rectify this situation. I look forward to hearing back from you with a positive resolution.
Sincerely, XXXX XXXX
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| 10/06/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
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I dispute all charges after XX/XX/XXXX when I paid my balance off in full. Barclay 's has created a situation where I am unable to access, pay or review my account online or access a representative by calling.
On XX/XX/XXXX2021 I paid off my entire balance ( {$2100.00} ) from the XX/XX/XXXX2021 bill that was due XX/XX/XXXX.
In XXXX, Ireceivedan email saying my statement was ready and that my balance was {$23.00}. I expecteda {$0.00} balance, so I went to check the statement online and was locked out of my account. Since then, I have been trying to get through to customer service or into my account at least once a week. I have remained on hold for customer service for periods of time from 20 minutes up to 1.5 hours before needing to hang up so that I could return to work.
Today, I started at XXXX, this time hoping to achieve a resolution by going through mastercard. The representative reached out to Barclays on her end, but said they wanted to speak to me live. She called me back with a live Barclay 's agent @ XXXX. The agent says I have a {$23.00} interest charge on the XXXX bill but is not explainingto me how I have interest on a {$0.00} balance. He continues to explain my current balance is now {$80.00} something dollars because of late fees since XXXX. I say that I dispute these charges and ask him to waive the fees. I am told that he can't waive any fees until security unlocks my account, I'm then put back into thequeue that no one has answered for the last 2 months.
I'm left on hold for an hour, causing me to miss several work calls and finally having to hang up at XXXX without anyone ever getting on the line because I had a work meeting.
The Barclay representative seemed well aware of how customers have not been able to get through and was even making jokes, wondering if anyone was working over there.
I have not been provided with a statement of charges and their poor faith practices are putting my credit in jeopardy.
|
| 09/22/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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I opened my barclay XXXX card in XXXX online, as I did the application online, I wanted to do a balance transfer from my XXXX account for the amount of XXXX on XX/XX/XXXX. That was the only balance transferI processed online. Once my credit was approved, I expect to see information on my balance transfer. I then called to confirm and add another chase account balance transfer for the amount of XXXX. In the midst of confirming and adding another balance transfer, Some how a third balance transfer was added at the mistake of the representative from barclay card for the amount of XXXX. They closed my account, I recieved a letter dated XX/XX/XXXX stating the balance transfer never processed and it was an invalid chase account. Online with my barclay card for the month of XXXX, my account shows the same information, how my account was credited back the invalid balance transfer for XXXX. Some how that balance transfer is now a " valid chase account " and is on my statement. I 've showed them all the proof and even the letter they sent me. I even had chase on the phone with barclay card telling them it 's not a valid chase account. In the event this happens they are supoose to open a claim with chase. They told me I need to contact chase and figure it out. Barclay card said they opened a claim, verified it 's a valid chase account under my name and they 're nothing they can do, I can write a letter to the president of the company. Basically this is n't my balance transfer, it was was their mistake, it 's not a valid chase account. They also, had a payment posted and taken off, I asked them to give me information on the payemt ; they also charge me interest on a brand new card. I 've asked barclay card to pull my phone records and listen to the call and they have done anything to help me as a customer! I have had nothing my problems and they resolution for me is to write the president of the company, they gave me his fax number. THank you
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| 10/20/2015 |
Yes |
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- Customer service / Customer relations
|
|
Web |
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I filed an complaint with Barclays bank of Delaware on XXXX, I advised Barclays that, Title XXXX XXXX. XXXX, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below.
As I am sure Barclays are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Barclays company will be in violation of the FCRA.
Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Barclays are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Barclays fail to respond in writing, signed by hand, in a timely manner, I will assume that Barclays are in error and this matter will be challenged. As Baclays further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Barclays claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status.
If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPB, as well as the Better Business Bureau.
As of today XXXX, Barclays have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRAConsent to publish the description of what happened? Consent providedIssue Customer service / Customer relations
|
| 04/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
Older American, Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/2020 Barclay Bank Credit Card Dispute Customer Service Dept TO WHOM IT MAY CONCERN! ACCT # XXXX I contacted Barclay Bank a few days ago to inquire who closed my account and why my account was closed without sufficient notice. I have just learned that my best credit account was closed a few days ago. Today I tried to contact Barclay Bank again by phone to resolve this issue and the phone contact option was limited.
I was away from my home for over 3 weeks. I was staying with a family member out of state and have not received a phone call, mail, or any notification from Barclay due to my illness. I came to find out that my account was CLOSED ending in XXXX. This account was in good standing with a good credit history that I was trying to build and preserve. THEY CLOSED MY ACCOUNT WITHOUT REACHING ME DIRECTLY. The representative told me that they sent me letters by mail but because I was away, did not receive notice from the bank. IT IS IMPORTANT TO KNOW THAT I WANT TO TAKE THIS MATTER TO WHATEVER LEVEL I NEED TO RESOLVE THIS ISSUE.
Because it is less than 10 days, I am asking the bank to escalate my request to your managers and I am asking that they PLEASE MAKE AN EXCEPTION AND GIVE ME A ONE TIME COURTESY TO REINSTATE my account to protect the integrity of my credit history that I had established with your bank for many years.
I WOULD LIKE THIS CARD REINSTATED DUE TO CONDITIONS OF QUARENTINE CORONA VIRUS. I THINK THE BANK MADE A HUGE MISTAKE BY CLOSING MY ACCOUNT WITHOUT CONTACTING ME DIRECTLY AND THE AUTOMATED SYSTEM ASSUMED THAT I DID NOT RESPOND. Due to quarantine, I was not at home to receive any mail. I want to file a Consumer Complaint towards BARCLAY BANK. The Banks actions are totally unacceptable during this time of Corona and my established account should be reinstated. In return, I will use the account on a regular basis.
I thank you in advance XXXX XXXX
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| 10/11/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
|
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FROM THE DESK OF XXXX XXXX XX/XX/XXXX Credit Card Fraud Dept.
Barclays BankXXXX XXXX XXXX XXXX XXXX, DE XXXX RE : Credit Card ending XXXX XXXX XXXX SS XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX To Whom it May Concern, Respectfully request that you reopen the credit card fraud investigation referenced above due to the following. Also submitting these documents to your CEO office and the Consumer Fraud Protection Bureau and XXXX.
Initially reported card lost and not in my possession on XXXX XXXX after reviewing account.
Disputed all charges from XXXX XXXX forward ( agent did not dispute all ) ( agent error ). ( {$2200.00} ) Card was fraudulently used for purchases from XXXX XXXX XXXX. Please note that there was not a Travel Notice placed on account. Your internal anti fraud monitoring should have flagged this activity as suspicious.
Pattern of spending not inline with previous purchases as massage parlors, liquor stores, etc. Again anti fraud monitoring should have flagged this activity as suspicious at the least.
Balance and frequency of spending as the card was only previously used for XXXX XXXX in the last year. Other than airline tickets I have never run a balance higher than maybe {$150.00}.
Submitting documentation that proves that I was not in location where purchases were made. This includes commuter receipts for travel to and from work in New York as well as a trip to Alabama which includes XXXX, XXXX and restaurant expenses that indicate could not have made the referenced charges.
Have requested a letter from my Corporate HR that will also prove I was in New York at work when these charges were fraudulently made.
Additional proof and verification can be provided for additional spending during these dates for day to day expenses that would once again prove I was in New York and not in XXXX or Florida during these dates.
Sincerely yours, XXXX XXXX XXXX XXXX XXXX # XXXX B BRIARWOOD, NY XXXX ( XXXX ) XXXX XXXX XXXX
|
| 08/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX of 2018 I was in XXXX XXXX went to a time share presentation. Gave my information with the understanding it was to be used to pull a credit report and tell me interest rates I qualify for ... gave them my debit card to sign up and try a couple night stay. Decided against a member ship was told my debit card would be reimbursed because it was within the termination period ... never received the reimbursement on my debit card, and found that they used my credit info to open a credit card weeks later when I received a credit card in the mail I called and explained I didn't want a credit card when I gave that information to XXXX. They tried to tell me I could utilize the card anywhere but I explained I had no need/want for additional credit cards. As I had about 8/9k in my checking a XXXX credit card and a XXXX line of credit at my bank and credit card for my major purchases at XXXX 's that I only use for interest free financing. It's been over a year and I have not been able to do anything about this my credit score was XXXX and this has dropped my score to the 690 's and this account has caused delays and difficulties in financings other projects ... I'm not sure what I can do ... but I don't think it is right that a company can get away with this and just expect you to pay for charges that should never been on the card in the first place, or even opened for that matter. It's only $ 790ish ( {$500.00} originally ) but on the principle of the matter I'm not going to pay them as I'm sure they do this because most of the time it works. I paid off my car that cost XXXX in about a year, as well as just paid off my other car that was XXXX I purchased in 2018, pay my entire balance on my XXXX cc every month if I use it. As well as pay all my other accounts off before the free interest expires ... if I had knowingly opened this account and made changes to it I would have paid it ... but in this case I'm lost as what further to do ...
|
| 08/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Barclays just took over my account which was previously held by XXXX Bank. Upon taking them over I was in a dispute over charges. When I called XXXX at that time they said they no longer had the account and I needed to call Barclays ( that was XX/XX/2022 ). Upon calling Barclays that day, I spoke with an XXXX who told me that I needed to call back in 30 days since the information had not fully transferred over. When I called back on XX/XX/XXXX, I spent XXXX hours on the phone. I first spoke with XXXX who told me to put in the fraud charges on my end on the computer ( there were XXXX separate charges on the same day made at the same place totaling {$530.00} ). When I put in the first claim it closed out my account, and I could no longer get to it to put in the second. She then tried to transfer me to the fraud department to which she was saying they were having problems on their end she gave me a number and I had to wait 30 minutes and call that number. Well it brought me back to square one, and I had to go through everything all over again. I then spoke to XXXX he told me he spoke to the fraud department, and that because these charges happened before they took over the account that I needed to contact XXXX. I told him that they told me to contact them! I asked to speak with a XXXX to which I spoke to XXXX for a total of XXXX minutes and he then transferred me to the fraud department. I then spoke with XXXX, I was talking with her explaining everything and she kept putting me on hold. The last hold she put me on was extremely long. I was on the phone with her for 40 minutes, and then I was disconnected! She obviously had all my information, and she never called or emailed either to say we were disconnected. Basically hung up on as I had the message from the phone company. I want these charges reversed as these were not made by me! I spent 3 hours of my day getting nothing accomplished and I do not have 3 hours to do this again.
|
| 03/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX, I made a purchase using my Barclay XXXX XXXX that ends in XXXX in the amount of {$32.00}.
On XX/XX/XXXX, within seven days of purchase, I returned the purchase to the merchant and the merchant issued a full refund to an entirely different card that ends in XXXX.
I brought this matter to the attention of Barclay billing disputes, and a billing dispute was opened, and was subsequently closed because at that time, the merchant falsely claimed that the merchandise was not returned.
However, in an extensive email exchange with the merchant between XX/XX/XXXX, and XX/XX/XXXX, the merchant acknowledged that the merchandise was in fact returned and that the refund was not applied back to the Barclay credit card ending in XXXX. Instead, the refund was misapplied to a card that ends in XXXX.
I brought these additional facts to the attention of Barclay billing dispute on XX/XX/XXXX, and attempted unsuccessfully to call Barclay executive office on XXXX but no one would ever answer the phone or return phone messages that were repeatedly left. In addition, the entire email exchange with this merchant was copied to Barclay 's executive office email address, XXXX, and again, no one ever responded or acknowledged it.
Barclay is required under the Fair Credit Billing Act ( FCBA ), to resolve this billing dispute, and has since failed to effectively resolve it which may result in legal liability, damages and attorneys ' fees under the FCBA.
In summary, as noted above, the original purchase was made on the Barclay credit card ending in XXXX ; however, when the merchandise was returned, the merchant misapplied the credit/refund to an entirely different card number. Thus, under the FCBA, Barclay has a legal obligation to resolve this billing dispute, including charging this transaction back to the merchant and issuing a credit in the amount in dispute including any fees and accrued interest associated with this transaction.
|
| 04/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
My Barclays credit card was fraudulently charged {$5200.00} on XX/XX/XXXX. When I realized this on XX/XX/XXXX or XXXX, XXXX I went online to the Barclays website and reported it as a fraudulent charge. I received an automatic response that they would look into it.
The next day my credit card didn't work and I realized that they had canceled it. They emailed me that they were removing the charge. They sent me a new card.
On XX/XX/XXXX I received a form letter from Barclays ( XXXX XXXX XXXX XXXX XXXX XXXX ) saying that their investigation had determined that the charge was valid and it had been put back on my account.
I called the telephone number shown on the letter ( XXXX ) and assured them that it was NOT a legitimate charge.
The customer service representative told me that I had to contact the vendor and tell them they had made an error and ask for a credit. They gave me a telephone number ( XXXX ) and told me it was an XXXX XXXX store in XXXX, XXXX XXXX
There was no answer and no voice mail on that phone number.
I called Barclays again and another customer service representative assured me that it was IN FACT a legitimate charge, for me under my name, at my address, using my credit card ( which has a chip in it ). She read me a list of construction supplies including labor, plumbing and trash removal but refused to send it to me. She said several times that I was probably forgetting that I had made this purchase. And if not forgetting, that I was lying.
She told me the only thing I could do was file a police report.
I have filed a police report against Barclays, and also a complaint with the XXXX State Attorney General 's Office. I faxed these materials to Barclay but have heard nothing from them.
They have now added an interest charge of {$150.00} to my Barclays credit card account.
I have had that card for several years and pay my bill in full every month. This is the first time I have had a fraudulent charge.
|
| 05/20/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
Servicemember |
|
I applied for my barclay gold card actt ending in XXXX in XXXX 2016. I was informed that since I was an XXXX XXXX military member all fees associated with my account would be waived and given 0 % interest till the end of my XXXX XXXX commitment. In XXXX 2016 Bar clay changed there policy and announced that these benifits would now only apply to those that had the card open prior to joining the military. This was a change from there original policy open to all those in the military regardless of the card was opened prior or after joining as long as the member was still on active orders. After I saw this change I their policy I called Barclay and asked if i would be effected. I was told no since I had opened my account prior to the new policy that I would be grandfathered and my benifits would continue till the end of my service. I then just recently revived a new notification from Barclay informing me that they would not be honoring the policy and that since I applied to the card after joinig I would now have to pay all fees associated with the card. I contacted barclay and asked what was going on they informed me that this was a change in policy and they could not do anything about it. I asked about being told before that I would be grandfathered as I applied prior to the new policy. They told me that I was being grandfathered but only for the fees of the year I joined and that would be it. I told them that when I first signed up I was given a letter that these benifits would continue till the end of my XXXX XXXX service. At this point they just said sorry you can close your account if you want their is nothing we can do. I find this to be disturbing as the policy only changed after the fact and I did not recieve a notification in XX/XX/XXXX letting me know. I had to inquire to be told I would not be effected. Just to be told later on that I am now on the hook regardless of the original agreement.
|
| 03/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
I booked a Hawaii flight early XX/XX/2022 and while in the reservation, XXXX XXXX XXXX offer came up, if you apply for the card while buying the ticket, {$300.00} would be taken off the price of the ticket. I applied but the application needed underwriter approval so it did not give an immediate approval. Had to book the flight in the meantime and paid with my own card. A few days later I checked the application status and showed I was approved. I called XXXXXXXX XXXX and Barclays and explained what happened at the time of application to see if they can switch the card so I can get the credit. XXXX XXXX said they can't do it but to call Barclays, they should be able to. Barclays said XXXX XXXX should do it so I was transferred a total of XXXX times between departments with nobody being able to help. I finally was transferred to the XXXX department at Barclays and explained the situation yet again and the person stated Barclays could not make the switch to get the credit as advertised by their application. At that time frustrated, I asked the person to cancel the card all together since it was only a few days after I applied.
I flew to HI mid XXXX and on the flight, the flight attendant had a Hawaiian application that offered XXXX miles after any first purchase, different offer than the {$300.00} credit. Filled out the app and mailed it on XX/XX/2022. Today I called XXXX to see status and found out I was declined because I voluntarily cancelled the first card since I was told I could not get the {$300.00} credit. They have also stated I can not apply again for XXXX months.
In today 's conversation, Barclays employee XXXX id XXXX stated that the first {$300.00} credit would have been applied to my first statement. That was never communicated to me when I spoke with XXXX XXXX department person that cancelled my card. Today, XXXX stated he asked for a resolution from his supervisor XXXX id XXXX and he stated there isn't one.
|
| 11/29/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : BARCLAYS BANK DELAWARE Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim.
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly.
|
| 07/05/2015 |
Yes |
|
|
|
Web |
Older American |
|
helloFirst I 'd like to let you know that removed my full name leaving only initials for security purposes.
I am contacting you with regard to XXXX rewards card.
This card classified my payment as late from XX/XX/XXXX ( saved the webpage for your records XXXX. I reviewed the account and I can see that I modified my payment method on XX/XX/XXXX XXXX an email was sent to me ) below is the details : Type : ModifiedReference ID : XXXX Date : Monthly on the day of your payment due datePayment Amount : Minimum payment dueBank Account Name : XXXXAfter payment method modification, the monthly statement ( which is attached for your records ) was issued for the following statement Billing Period : XX/XX/XXXX - XX/XX/XXXXIt clearly statesActivity for XXXX XXXX - card ending in XXXX Date Posting Date Transaction Description AmountXXXX/XXXX XX/XX/XXXX Payment Received BANK OF XXXX - $ XXXXThis clearly states that the credit card company received the payment on XX/XX/XXXX yet informed me that the payment is late.
Moreover, when I login on the credit card personal webpage ( on XX/XX/XXXX ), it states that the payment is overdue last payment received {$25.00} XX/XX/XXXXI had a similar story with this credit card company XX/XX/XXXX which obviously had issues with their website and they reported my payment as late XX/XX/XXXX. During that time I had problems with Auto payment enrollment confirmation and this credit card company reported my late payment to credit bureau which negatively impacted my credit history. I wrote them nicely to ask to correct the issue but they refused to help me. I am attaching my credit report which shows that I never been late on any other credit card yet XXXX rewards card is causing me a lot of trouble. I was unable to receive good credit cards as well as obtain a credit because of these issues.
I am an elderly person and the whole story causing me a huge distress. Please help.
Thank you and XXXX bless you
|
| 02/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
Older American |
|
To whom it may concern, Thank you for taking my letter. This is in response to an offer I received from Barclays/XXXX Visa card XXXX ending in XXXX. I received an offer that would give me a {$100.00} statement credit upon my first purchase. I made that purchase but did not receive the statement credit. I called Barclays and was told it would be on my next statement. This did not happen. Thus far, there have been a total of 6 calls, 3 case numbers established, and at least twice I was told I would receive a response back.
Note : On my credit card statement, knowing that I was to receive a {$100.00} statement credit, I paid the statement in full, but less the {$100.00} owed to me. That what this whole issue is about : the remaining {$100.00} on the statement.
My first call to Barclays was on XX/XX/XXXX My second call was on XX/XX/XXXX My third call was on XX/XX/XXXX My fourth call was on XX/XX/XXXX XXXX My fifth call was on XX/XX/XXXX My sixth call was on XX/XX/XXXX On the fifth call, I was told that Barclays had no record of any promotion sent to me, even after I gave them the promo code AND the personal ID code. They then asked me to send them the promo letter, which I did. In the meantime, I have been receiving emails and phone calls harassing me about making payments.
After I sent them a copy of the promo letter, I continued to receive emails and phone calls. I called them again ( the sixth time ). They informed me that they did in fact receive the promo letter and the case was the still " in process.
It is now XX/XX/XXXX, and I received yet another letter from Barclays that " they determined that I no longer intend or can not afford to make contractural payments to XXXX Rewards Visa. This is absolutely NOT true! My credit score is in the high 700 's, I pay all of my bills on time and NEVER leave a balance.
In addition to the above I am concerned that this letter may be a prelude to changing my credit score.
|
| 12/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I transacted with merchant ( XXXX XXXX ) for {$1000.00} on XX/XX/2021. The merchant was unable to fulfill service and promised a refund of {$94.00}. After calling and e-mailing the merchant and receiving no response I opened a dispute with Barclays for my Jetblue Card which was used for the transaction.
The merchant contacted me and offered to send a check but asked that I close the dispute. I did not want to close the dispute prior to a formal resolution for fear that the merchant would not fulfill the refund. Barclays subsequently closed the dispute although I informed them that I rather the refund be issued to the original payment method which was my card product. After the closure the merchant failed to issue the refund of {$94.00}.
I contacted Barclays and informed them and asked for the dispute to be reopened. It is now XXXX and I had to contact Barclay for an update to the status of my dispute. They once again closed the dispute simply because the merchant told them I declined the refund and that they had attempted to contact me. They did not validate these claims with me; had they contacted me they would know that the merchant has not reached out to me, nor have I formally decline any refund with the merchant.
As of XX/XX/2021 I contacted Barclay 's twice regarding this dispute and both times the agent hung up on me. I have received NO call back. This is obscene. After the first closure, Jetblue reversed the chargeback which required me to make payment on a disputed transaction or risk impact to my credit history. I have provided sufficient documentation that shows I initially acquiesced to the merchants offer to refund me via check ; however, I believe 3-months for the issues of a check is unheard of. Additionally, Jetblue has required no substantiating proof from the merchant that they have issued and/or intend to issue the check. They have informed me it is now my responsibility to contact the merchant.
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| 11/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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In XXXX of 2019 my wife 's car was broken into and her purse was stolen. We immediately alerted all credit card companies of the situation and she was sent new credit cards. A homeless couple was found in possession of some of my wife 's stuff and was prosecuted. I can provide you with information on this case if needed.
Unfortunately - on XX/XX/2019 someone started using my Barclay 's Visa card ( which my wife and I share jointly ) and racked up {$3600.00} in charges from XX/XX/2019 to XX/XX/2019. Charges vary from Bus passes, food purchases, to items purchased at XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, etc ... On XX/XX/2019 they even purchased a {$30.00} calling card from XXXX XXXX so an inmate could make calls from prison. Why would I buy an inmate a calling card? My wife and I rarely use this Barclay 's Visa card as it is only used for emergencies. We did not make these charges and alerted Barclay 's Visa as soon as we learned that these charges had been made. We filed Police reports with both the XXXX Police department and the XXXX County Sheriffs Offices as these fraudulent charges were made in both Oregon and Washington State. Barclay 's Visa originally credited our account when we first reported this fraud to them but later ( XX/XX/2019 ) put them all back on our account saying that because I still had both credit cards in my possession that I was responsible. ( These charges were made under my original Barclay 's Visa Card and also the new Barclay 's Visa card that was issued to me when my wife 's purse was stolen ). We have called Barclay 's Visa numerous times to dispute these charges but they refuse to help with this matter. They know this is fraud and refuse to help. They even refused to give me the times when these purchases were made so that the police can look at video to see who is actually making these purchases. I need help with this as Barclay 's Visa is refusing to assist in anyway. Thank you.
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| 11/21/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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I used my Barclaycard Arrival Plus to book a trip for my family in early XXXX. Unfortunately due to the hurricanes in the XXXX this fall my trip had to be cancelled. The travel company was very gracious and issued a full credit for my trip that they placed on my Barclaycard. I quickly began planning another trip since we had already taken the time off work. When all was said and done I had a credit on my Barclaycard account of {$1000.00}. I called on XX/XX/XXXX and asked that they send me out a check for the credit. I was planning on using that money on our vacation and was told by the representative that I should receive the check in 7-10 business days. On XXXX XXXX I received an offer from Barclaycard to do a balance transfer from another creditor and receive a 0 % interest rate for 18 months. I decided to take advantage and proceeded with the balance transfer. A couple of days later I still had not received my check for {$1000.00}. I called and spoke to a representative who transferred me to a manager. She let me know that she would open a case, get the check stopped and reissued. Between speaking with her I spoke to 3 other managers within a three week period of time that all assured me that my check would be processed and sent after a case was opened and resolved. Today on XX/XX/XXXX I spoke to yet another manager who informed me that this was not the case and that the credit from the lost check was placed onto my account. I requested a formal complaint be filed and will also be filing with the better business bureau. I was also informed that I was told incorrectly that the check would be sent out the day I requested and was misinformed on three separate occasions that I would receive the funds I had requested. Consumers should know that if you have a credit on your account with Barclaycard and ask for it to be refunded to you, they take 7-10 days to process that request and another 7-10 days to mail you a check.
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| 08/23/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
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XXXX17- applied for a Balance transfer for {$1900.00} online. Notice that the actual account the transfer was to credit was wrongly entered by one number at the end.
Same day- contact company thru their website Consumer Service line with written information that the account was wrongly enter. They reply back with a generic statement for transfer details.
XXXX17- Balance transfer was completed for XXXX on my statement. But, it did not post to the right account due to error for wrong number at the end. They say that I would need to wait 7 -10 business days to see if the account would have the posted to the credit card.
XXXX17- I waited the 10 business days for the account to post with the {$1900.00} dollar fund to the other credit card. It did not post. I personally called and talked with a Consumer Relationship Manager- told them again- the account was wrong by one number and was entered wrongly. He verified that the account was different by the one number at the end.
They would open a case on this and credit my account with {$1900.00} within a few days and check my statement for the credit of {$1900.00}. The case number is XXXX.
I additional wrote thru their website for the credit of {$1900.00} to my account. They send another generic response back.
Today XXXX17- I wrote again and asked when will my account be credit for {$1900.00} transfer. They responded with a generic response that I would need to wait up to 30 days to have this credit to my account.
After working with company to first to correct the issue before they would post the transfer they refuse to listen to my concerns. Then the money did not post to the Credit card and they finally noticed that the account was wrongly entered in to the system and say they would credit my account within a few days. Now I need to wait additional 30 more days. If I was late with a payment as they are late with my credit due to me then I would be charge huge fees.
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| 02/12/2017 |
Yes |
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- Credit line increase/decrease
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Web |
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I have been discriminated against and treated unfairly by Barclaycard Delaware. Recently, I was notified that my credit limit was reduced by {$600.00} because I was " nearing my limit ''. I was at least {$900.00} away from my credit limit at the time it was reduced. When my card was declined today while making a purchase, I called customer service to find out what was happening. I was told a letter had been sent in the mail the day prior ( yesterday ) explaining why my credit line was reduced, which as stated, was because I was nearing my limit. Why am I given a limit if I ca n't get near it other than to potentially charge a fee or harm the consumer? The customer service manager also told me that it depends on my " overall credit health. '' However, my credit health, according to their XXXX reporting system is XXXX -- which happens to be over XXXX points higher than my husband 's who was just given a credit limit increase. This is not the first time I have seen my husband 's credit limit increase while mine has stayed the same or, like this time, been reduced. Our credit reports are virtually the same -- he has a higher debt to income ratio because of our mortgage, which is why I believe his score is typically lower than mine, yet he has consistently received credit limit increases ( without request ). This has been a consistent issue with Barclaycard Delaware since opening our accounts, which occurred within a few months of each other. I can find no other reason for this other than discrimination in their portfolio management. I have never been late, I have never gone over my credit limit, and my account has remained active and in good standing through my entire history with the company. Now, because my limit was reduce, a purchase of mine will put me over my newly reduced credit limit, which I believe will harm my credit score and overall portfolio history with the company, should I decide to keep my account open.
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| 05/10/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
Servicemember |
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In XXXX XXXX I applied and was approved for a XXXX XXXX MasterCard Credit Card Account administered by Barclays Bank Delaware ( Barclaycard ). I was charged and paid a {$99.00} annual fee for the card and its benefits which include a 50 % savings on inflight purchases. Those savings are described in the Business Card Agreement as : " Cardmembers in good standing will qualify for a 50 % savings on eligible inflight purchases. Eligible purchases include the in flight purchase of cocktails, beer, wine, meals, and XXXX movies ( not XXXX ) on XXXX -operated flights when purchased on their Account. Savings do not apply to any other inflight purchases, such as wireless internet access, or duty free. This offer is available on eligible flights as long as supplies last. This savings will appear as an Account statement cred it 4-6 wee ks after the transaction is posted to the cardmember 's Account. '' [ sic ] My account is in good standing ( I do not carry a balance but instead pay my bill in full every month ). I made two qualifying onboard purchases with this card. Those purchases appear on the statement that closed on XXXX XXXX , XXXX , with the description " XXXX BUY ON BOARD. '' Those purchases were billed in full and no credit was provided. I paid the bill in full. More th an 6 weeks have passed since those transactions were posted to my account and I still have not received a statement credit. I have attempted to resolve this issue within the XXXX Business Card cu stomer service system on numerous occasions. I have called the number on the back of my card and sent many messages through the cardmember website. I have not received either a resolution or an explanation. The telephone customer service representatives are unable to explain why I have not received the statement credit, and the only response I receive to the online messages is to call the customer service representatives.
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| 12/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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Barclays was contacted today in regards to a due date change. I have been contacting them since XXXX for the due date Change since I am a victim of the pandemic and can not make a payment on the first of the month since XXXX my payments have been late most paid by the 5th but the first is impossible. I have been told by reps that when my payment cleared they would go into the account, change the due date and then contact me. To no avail.
XX/XX/XXXX at XXXX I was told by a rep that even though the account is in good standing that my due date can not be changed. I was informed that due to me contacting an outside agency which is only this one ( consumer protection agency ) he informed me a letter must be sent by this agency before they can make any changes to my account stating they are no longer legally representing me.
I was fully under the impression that this agency ( consumer protection ) was not a legal entity and can or will not give legal representation. Barclays has illegally recently answered a dispute filed by XXXX stating that a payment for XX/XX/XXXX was 30 days plus late when the rep and my XXXX account has confirmed that a payment was made on XXXX XXXX 4 days after the due date no where near 30, I have begged and borrowed to pay this account and have been illegally penalized in so many ways but the main issue is being penalized for contacting this agency is illegal, the phone call was made at XXXX on XX/XX/XXXX and will be subpoenaed if required, this is extremely unfair and illegal from falsely reporting to robbing me every month now since XXXX for a late fee when I been asking for a due date change that has never happened.
This bank has gotten {$180.00} from me in late fees since XXXX. This bank has also illegally penalized me for contacting this agency and informed me that this agency must send a letter before anything can be changed on my account. This is extremely unfair and unconstitutional
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| 01/23/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have been disputing a charge on my credit cardas it is fraudulent ( this process resulted in me filing a complaint about this process but now my complaint is about my credit report and the calls that come in and are disconnected ). At this time, on my credit report, it now shows that Im delinquent on the card even though the status of my card should be indicated as being under investigation and not just failure to pay. I have been in this process for months. I have also asked for a phone call from the fraud department supervisor which was supposed to have been given to me within 1 to 5 business days, so Im still waiting for that phone call. In the meantime, I continue to get phone calls for this unpaid charge. The last 3 calls I answered were disconnected upon my answering. Is this an attempt to log calls being made to meyet not connecting me with anyone? The last 2 calls I made in return to those calls I was transferred to the fraud department and conveniently disconnected after being on hold. Tonight I called and asked it to be documented on my account but I have no confirmation that this happened. I was then transferred to the fraud department and after being on hold my call was disconnected once again. The amount of time I have wasted on the phone for nonsense is absurd. I still have no resolution but now am being harassed by phone calls that also end in being disconnected by the company or their poor phone system. I have to answer every potential telemarketing call because I am waiting for a call from a manager or supervisor from the fraud department but as I continue to answer these calls I become increasingly frustrated by the companys poor communication protocols, employees, and possibly equipment technical difficulties. Is anyone actually monitoring this company and the way they handle business and customers? Ive never dealt with any company that had such communication issues and I hope to never again.
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| 07/18/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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XXXX by XXXX XXXX provides a shopping venue for hundreds of vendors including XXXX , XXXX XXXX , XXXX , XXXX , etc. When you make purchase through the website, the vendor provides a cash-back to XXXX college savings account. In addition, there is a 1 % cash back from the Barclay credit card and a 4 % cash back from XXXX into the college savings account when you pay for your purchase with a Barclay Upromise credit card.
XXXX XXXX XXXX provides a 2 % cash back on rentals purchased through the XXXX website. This past XXXX , I arranged for three separate car rentals from XXXX at three separate times through the XXXX website link for a total coast of {$1300.00}. I completed the three rental purchases and paid with a Barclay XXXX credit card.
The first reservation was made on XXXX XXXX , 2017 for a rental beginning XXXX XXXX , 2017 for {$970.00}. The second reservation was made on the same day for a rental beginning XXXX XXXX for {$290.00}. The third reservation was made on XXXX XXXX , 2017 for that day for a cost of {$73.00}. All of the reservations were made through the XXXX link.
I did not received my 2 % cash back from XXXX and submitted an inquiry through XXXX . XXXX responded that XXXX stated that I " clicked on a banner ad which rerouted and completed the transaction on the merchant website instead of the XXXX site. '' When I asked fro specific details about this banner, I was told " your last click was not through XXXX ''. No explanation was provided about the specifics of this ad banner, the mystery click, and how I was transferred to the XXXX website from the XXXX website. I am attaching the emails related to my inquires and the XXXX responses.
As a result of this claim that I transferred out of the XXXX site, XXXX will not pay the 2 % cash back and XXXX will not pay the 4 % cash back. Barclay has paid the 1 % cash back.
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| 08/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I had a XXXX XXXX XXXX that was changed to a gap barclays card in XXXX. I had one revolving charge to XXXX for a subscription service. I was told to pay off the balance on the gap visa as it would change to XXXX. My account statement was zero except for the reoccurring XXXX prime change. I changed the credit card to pay XXXX via a different card so as not to incur charges on the closing card. Barclays still changed me for the month of XXXX even though I had already paid it. They said XXXX must have taken 2 payments. All of my records do not support this and I called XXXX and there payment history was correct and I had made the XXXX payment with a different card. I have called Barclays 3 times. In XXXX, they told me the charge would be removed on the XXXX statement. In XXXX, I was told the statement would be zeroed as was correct on the XXXX statement. In XXXX, the statement now has added late charges. I had to speak to 3 people, which included being disconnected and sent to a number that someone in the background was not speaking to me and when they did I couldn't understand them. The story changes each time and I feel this company is running a fraudulent service and they are cheating people out of their money. I think most people would let this go, but I was very careful and have always taken care of my charges. What is going on with that company. There is really no assistance and I have had 2 assistants tell me it was resolved and now the third is saying that XXXX was paid and would need to reimburse them. This is not correct and even the statements don't hold up to this last persons information. Wouldn't the company talk to XXXX and resolve this? They told me I would need to talk to XXXX or just pay the difference. Something is rotten at this company. XXXX was paid by me and not by barclays. This is so not the way a credit card company should be run. As soon as this is resolved I will be closing this account.
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| 03/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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On approx. XXXX XX/XX/XXXX I tried to rent a car on the internet from XXXX, using an XXXX Mastercard from Barclays Bank. I received an error message, and couldn't resolve it, so ended up over at XXXX, where I successfully rented a car.
I never heard anything more from XXXX but discovered a charge from them for {$160.00} posted to that Mastercard.
I have sent emails to XXXX, but received no response. I disputed the charge with Barclays, but that dispute was denied, on grounds " the merchant has not violated the terms and conditions of the sale. '' I appealed that denial to Barclays, pointing out that I never received anything from XXXX ( voucher, rental car, response to emails ). Barclays sent two letters denying the appeal ; one just saying there was " insufficient proof that the merchant has violated the invoice/contract 's terms and conditions '' ( and encouraging me to contact the merchant directly ), the other letter giving as a reason " the chip on the card was read and validated during the authorization process or the card was present and CVV confirmed. '' This letter also recommended I contact the merchant directly.
I will try to attach copies of the documents I have mentioned, which describe in more detail what has occurred. But I would like to stress two points : ( 1 ) I never received anything indicating the car rental attempt with Rent.It went thru, or received any response to my queries to Rent.It. ( 2 ) I am upset with Barclays, both because they apparently ignore dispute letters sent to the address designated for that purpose on their statements, and then ( after I faxed them the dispute letter ) for still being assessed late payment fees and interest charges ( on statements ending in XX/XX/XXXX and XX/XX/XXXX ).
If you have any questions, or need any more information, I would be glad to provide it. I can be reached at XXXX, or XXXX XXXX XXXX XXXX. My addresses are on the attached letters.
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| 05/14/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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Thank you for taking my complaint. This complaint is about a Barclaycard that is co-branded as a XXXX XXXX Visa card.
On XX/XX/XXXX, I received an email credit card offer from XXXX that said I could earn up to XXXX bonus points if I opened a XXXX XXXX card. I would need to apply by XX/XX/XXXX. If accepted I would receive XXXX points if I charged {$1000.00} in the first 90 days and XXXX points with an additional {$2000.00} charged within 180 days.
I applied for the card in XX/XX/XXXX and was accepted. I met the first requirement and received the XXXX bonus points. I then met the second requirement but never received the XXXX points as advertised.
I can provide you with the details if required but, in summary, numerous emails and phone calls over several months to both XXXX and Barclay 's did not resolve the missing points issue. This resulted with me receiving a letter from Barclays indicating I needed to call them to provide additional details in an attempt to resolve the issue.
I called Barclays customer service on XX/XX/XXXX. The first line customer service employee, while very pleasant, was unable to help me. I requested to speak to a supervisor. The supervisor ( " XXXX '', again a pleasant person ) was able to confirm that I had met the terms of the offer as required. However, XXXX indicated that in order for me to receive the additional XXXX points I needed to apply for the card on XX/XX/XXXX, and the offer was only valid on this day.
Needless to say I was shocked at this bait and switch. Months of frustration resulted in me immediately cancelling the credit card and I informed XXXX that I would be filing a complaint with the CFPB. She cancelled the card as I requested and I'm filing this complaint.
I never received my points and I may be losing the points I earned. I will never do any business with Barclays and I will be informing XXXX XXXX of the poor customer service from their partners.
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| 08/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I made a purchase from XXXX XXXX on XX/XX/XXXX, in the full amount of {$350.00}. {$71.00} was on a gift card and {$280.00} was charged to my credit card. The order consisted of 13 items and 1 item shipped separately which I did receive but the other 12 items I have not received. The package said it was delivered on XX/XX/XXXX. The package is nowhere to be found I checked with neighbors and my spouse who I live with and no luck. I contact XXXX XXXX on XX/XX/XXXX, and was told they opened an investigation with XXXX and to wait until XX/XX/XXXX, and if the package still doesn't show up to contact them back. I contacted them back on XX/XX/XXXX, letting them know the package was still missing and was told they were still working with XXXX. I contact XXXX on XX/XX/XXXX, and was told the investigation has been completed and that they informed XXXX XXXX that the package was not located. XXXX told me I would have to contact the merchant in regards to a refund or replacement. XXXX XXXX contacts me back on XXXX XXXX denying a refund saying I have a bad order history. In XXXX I purchased an item that never arrived and they refunded me for the items and they consider that " bad order history '' something such as shipping is out of my control. They suggested I change my shipping address which is what I did with this order on XX/XX/XXXX, since I had a problem with them last year. They have since refused to replace or refund my items and they have been ignoring all of my emails and refuse to let me speak with a supervisor or manager. I reached out to my bank Barclay card and opened a dispute however they denied the dispute and can not even provide me with reason. I'm frustrated and at this point may even close my account with this bank once I pay off my balance. I was charged for merchandise I have still yet to receive and my bank which I been with since XXXX and a company I shopped with for years have no care in the world.
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| 08/21/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On Friday XX/XX/2018 I noticed a {$160.00} charge from XXXX that I did not make, authorize, or have anything to do with. On Friday XX/XX/XXXX I called Barclays and reported the fraudulent charge and my credit card was cancelled and I was sent a new credit card. This was a pleasant phone call. On Tuesday XX/XX/2018 at XXXX XXXX I received a phone call on a recorded line from a fraud investigator from Barclays. I believe that I offended him when I asked him some questions to verify who he was because he started asking personal questions. The person was rude and accusatory. Though I repeatedly on the recorded line told him that I had nothing to do with the fraudulent charge he said he could not accept the charge as fraud. The conversation became unpleasant and I ended it. I called back a few minutes later and spoke with another fraud representative and that person reviewed the recorded conversation and came back on the line and apologized and said that she did believe the charge was fraud and stated that my account would be noted. On Monday XX/XX/XXXX I received a letter from Barclays dated XX/XX/2018 stating that the {$160.00} charge by XXXX was valid. I called Barclays again and unfortunately I was connected with another rude and accusatory fraud investigator. He many times did not let me finish my sentence. He eventually read the notes and listed to both conversations from my previous calls and removed the fraudulent charge. In addition to being rude and accusatory he was condescending. The fraud " investigators '' are poorly trained and not very good at their job if they though that this {$160.00} charge from a company based on another continent was a valid charge. I had no prior history of disputing charges. If there is a profile for consumers fraudulently claiming charges are valid I assure you that I do not fit this profile. This was a terrible experience and I am hopeful that others share their stories.
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| 12/23/2016 |
Yes |
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Web |
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My promotional zero percent interest rate expired on my Barclays Bank Mastercard, but the impending expiration of that promotional rate was not noted on the credit card statement immediately preceding commencement of interest charges. Instead, that statement ( XX/XX/2016 ) reflected a 0 % interest rate on the promotionally charged amount with no expiration date for that rate reflected. Yet on my next statement ( XX/XX/2016 ) there were nearly {$160.00} worth of interest charges, and the statement reflected the new 16.24 % current interest rate.
When I called to complain and ask that the interest charges be reversed, the customer service agent initially acknowledged the error. However, after consulting with his supervisor for permission to reverse the interest charges, he stated that the expiring rate was not shown on the XXXX statement because the rate had expired the same day that the statement had issued, meaning the statement could not reflect a future expiration date. The supervisor later told me the same thing. But if the rate had already expired at the time the XXXX statement was issued, then the XXXX statement should have reflected the new 16.24 % rate, not the 0 % rate.
I pointed out to the customer service agent and his supervisor that they were trying to have it both ways by claiming, on the one hand, that the rate had expired on the XXXX statement date and so that statement could not reflect the rate expiration date, but that, on the other hand, the XXXX statement reflected the 0 % rate that they claimed had already expired by that time. The agent acknowledged my point, but insisted that " this is just how we do it '' and refused to reverse the interest charges. After considerable argument, she agreed to reverse half of the interest charges, but refused to reverse the rest.
I would like the remaining interest charges refunded, and for Barclays Bank to stop these misleading billing practices.
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| 11/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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Web |
Servicemember |
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On XX/XX/XXXX. i purchased some auto parts from XXXX XXXX. I purchased some new seats and controls for my truck. The total charge was to be {$700.00}. The owner said i had to pay {$300.00} to hold the parts then he would charge me the remaining amount after they confirmed they had the parts. It made sense to me. I soon noticed they charged me the same amount of {$300.00} four times on that date and went on to charge me 29 times more. I Called Barclay Credit card and informed them i suspected fraud. By then there had be 7 or 8 charges. The rep told me it was obvious what was going on and that the fraud dept would deal with it but i did not need to cancel my card at this time. After about {$8000.00} in charges Barclay agreed that they should cancel the card and issue another. No parts were ever sent to me. They were supposed to show up as freight on XX/XX/XXXX, signature required. Initially Barclay reversed the charges then later re-billed them to me. I ask several times to talk to an investigator to explain the situation. In order to do this you have to wait on hold for about an hour. This alone is stressful, especially since i have very very XXXX XXXX XXXX. I have never talked to an investigator for fraud from barclay. The owner of XXXX openly joked to me that he got me. I have never received any parts and i have been bill nearly {$9000.00} This is wrong and needs to be addressed. It just seems as if no one is really looking into this. I am a retired XXXX XXXX and i called the auto parts store several times. I called so much he began refusing to talk to me. The owner thinks this is all a joke and mocked me by saying we got your $ XXXX and you aint getting it back. Barclay fraud investigators should be equally as upset as i am. I am insured by law against such charges. What surprises me the most is that no one from Barclay as ever called to ask my side of what happened. Very disgusted in their investigation.
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| 01/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
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We ( my wife XXXX and I ) are asking for assistance in resolving XXXX fraudulent charges on our Barclays Bank " Jet Blue Master Card '' credit card account totaling {$9700.00} which we reported as fraudulent, but the bank claims they are all valid and is holding us responsible for them. We deny and have consistently denied that any of these purchases were made by anyone on our account.
On XX/XX/1921 and XX/XX/XXXX we received calls from Barclays Fraud Investigation Unit regarding suspicious activity on our account. I identified several purchases made at XXXX XXXX stores as not made by anyone on the account. At that time the Bank agreed to dismiss those charges.
On XX/XX/XXXX the two cards with fraudulent activity were cancelled, and new cards issued ( with new account numbers ) to both my wife and myself. The new cards were received and activated on XX/XX/XXXX.
On XX/XX/XXXX, we received an email from Barclays alerting us to the fact that our credit line was approaching its limit of {$21000.00}. When we followed up with a call to Barclays, we discovered the appearance of the 38 fraudulent charges described above. We denied these charges but were told by the Bank that they had been investigated they determined that they were all valid. We attempted to resolve the issues on the phone several times, to no avail.
We have reported the issue to our local Police Precinct, and are awaiting a copy of their report. In the meantime we were advised by the Bank to compose a writeup explaining why the charges were fraudulent, which I completed and faxed to the Bank on XX/XX/XXXX.
At this time, the Bank has refused to take the charges off our account, and since they exceed {$9500.00}, I had to switch automatic payments from " Pay In Full Each Month, '' to " Pay Minimum Balance Each Month, '' until this issue gets resolved. To the best of our knowlege, no final decision has been made by the Bank on this problem.
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| 10/05/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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On Sunday, XXXX XXXX, 2016 XXXX, I received a free fraud text alert from BarclayCard concerning a {$300.00} charge at XXXX XXXX XXXX and was a advised to reply XXXX if valid and XXXX if not valid. I replied XXXX and got a responding text to all XXXX and reference a pin number given. I spoke to the rep at BarclayCard and went over several transactions to find that several were done fraudulently starting on XXXX XXXX, 2016 with a charge of {$300.00}. I explained to the rep that I may have lost my card. I checked and found that I did lose the credit card along with data card and insurance card when I emptied my wallet in a stateroom during a cruise I was on. Other transactions the rep mentioned were done at a XXXX at XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX, and XXXX XXXX in XXXX, FL - all of which were done on XXXX XXXX, 2016, which at the time I explained that I just left a friend 's XXXX weekend pool event/gathering in XXXX.
On XXXX XXXX, 2016, I called Barclaycard to get an update since the fraudulent charges were placed back on my account. The representative explain that the fraud claim was denied because the representative that had filed the claim put down that I had my card even that I told him that I did not. I explained this to her and was transferred to the Fraud Investigations Department where the rep a advised that I fax in a police report.
On XXXX XXXX, 2016, I faxed over a XXXX XXXX Sheriff Office Report to Barclay 's fax number XXXX. After no updates a week later, I again faxed over the Report on XXXX XXXX, 2016 and also called to get an update. Representative advised that a Statement of Fraud was sent to my mailing address.
On the same day, I checked my mail, filled out the Statement of Fraud, and sent it back.
Until now, Barclaycard holds me liable for transactions that were done fraudulently. I have yet to hear back on any updates even after faxing and sending the requested police report.
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| 03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/XXXX, Barclays sent me a letter through the CFPB in response to a complaint about denial of credit. Barclays claims that a credit card account I opened in XXXX has an adverse reaction attached to it : " I confirmed with our Collection team that your US Airways/AAdvantage Aviator Red World Mastercard was part of a XXXX XXXX Bankruptcy filed on XX/XX/XXXX. '' The letter invited me to contact " XXXX '' through a phone number provided.
I called " XXXX '' on XXXX XXXX and left a message. I called again on XXXX XXXX and left another message. No one ever answers the phone directly. The voicemail states that they will return the call within " 48 business hours. '' " XXXX '' called me and left a message on XXXX XXXX. I called her back on XXXX XXXX and left another message. I have not heard from " XXXX '' or anyone else at Barclays since then.
My complaint is this : Barclays has erroneous information attached to my account information in their files. I have never had a bankruptcy of any kind. It is curious to me that they claim that I have, when none of my credit reports show ANY adverse reports, let alone a bankruptcy.
Barclays clearly isn't interested in responding to consumer inquiries or providing a mechanism for correcting information in their files. They only accept voice mails, and then many days pass before returning a call, if at all. They have never provided details of the bankruptcy they claim, such as where it was filed and so forth. They do not seem to be interested in the least in working with me to correct their information, or short of that even speaking with me about the situation.
Though this information is incorrect, and obviously so, that it is in their files concerns me that the error may spread to other databases if it is not corrected now. I'm disappointed in Barclays ' lack of customer service and the run-around they give by providing a phone number that no one ever answers.
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| 10/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
Servicemember |
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In XXXX XXXX XXXX, I made a payment on my Barclays credit card. The amount was for {$750.00} which was the total balance as I pay off my credit cards each and every month. After making the payment online and on time. I received a notification from XXXXXXXX XXXX which stated that the account was sold to them and that I owed them {$750.00}. I told them that I had already paid the account and that it was made out to Barclays bank as they were the current owner of the time that payment was made. I was then sent back forth between Barclays Bank and XXXXXXXX XXXX in regards to the payment. XXXX stated that they never received the payment and that if I didn't make a payment they would report me late. Because my credit is impeccable I didn't want to chance it. So I made an additional payment to XXXXXXXX XXXX in the amount of {$750.00}. I then filed a complaint and was told that an investigation would be started to resolve it. I ever provided both Banks with copies of the initial payment that was sent to Barclays back in XXXXXXXX XXXX XXXX. It is now XXXX and I'm still out {$750.00} as a result of there inept ability. I contacted Barclays Bank just last week and spoke to a Supervisor for over an hour trying to resolve it. The supervisor conveyed to me that it would be resolved in under 24 hours after speaking to her. Several days later I received an email stating that the account was sold by Barclays Bank and that will not investigate any further. This is XXXX! I called Barclays Bank back was told too Bad I need to contact XXXX XXXX since they are now handling the account. When I called XXXXXXXX XXXX back they said it's matter with Barclays. In other words, I've been given the complete runaround and I'm at my wits end. I tried taking civil action against Barclays Bank. However, they don't even have an agent for service in regards to small claims matter. I really need your assistance. Thank you in advance XXXX XXXX
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| 05/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Today, I noticed a drop in my XXXX score from XXXX to XXXX. I investigated what caused the drop and discovered that Barclays had reported my account as delinquent at least twice over the last few months. I paid my Barclays card off months ago and have not since used it ; therefore, I do not have an autopay set up, nor do I check the account for charges since I know I am not using the card.
Apparently, on XX/XX/2022, XXXX XXXX charged {$6.00} to an expired Barclays card on my file. The card was EXPIRED and therefore no charge should have been allowed. I was not aware it was still one of my payment methods with XXXX, as I would assume expired cards are dumped ( apparently not ). I do have 4 cards on file with XXXX that are not expired and any of them would have covered this charge.
As I was not aware of the {$6.00} charge, and do not monitor the Barclays account because I do not use the card, I have now been charged over {$48.00} in delinquent fees and have been twice reported to the credit bureau, causing a XXXX point drop on my XXXX XXXX.
It is my belief that Barclay intentionally allows small payments like this to be charged to an EXPIRED card with the purpose of collecting on the late fees charged to people like me, who think their card balance is zero and will cough up a few months of fees to avoid the hassle to resolve it.
My complaint would be with both Barclays for allowing the charge, and with XXXX XXXX for charging an expired card when I had no less than 4 cards in good working order on file as payment methods.
XXXX was kind enough to refund the {$6.00}, but they can do nothing about the sabotage done to my XXXX XXXX, or the {$48.00} Barclays charged me ( snickering all the time, I suspect ).
I guess I'm just a sucker for being unaware of these shady business practices and I was made painfully aware by both companies today that the impact on me/ my XXXX XXXX means nothing to these behemoths.
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| 12/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
Servicemember |
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I received a notice XXXX XXXX from Barclays of account been closed stating delinquency and revolving balances too high. There source of reference was a independent consumer reporting agency. Which credit reporting agency was not disclosed in the notice. This is also a violation of 15 U.S. Code 1681 ( a ) ( 4 ) a right to privacy and 15 U.S. Code 1681 ( a ) ( 2, disclosure of account information without my instructions.
This adverse action of withholding my rights to credit is discrimination, Securities fraud, violation of the Equal Opportunity Credit & Consumer Credit Protection Acts, RICO Act violation, engaging in dishonest and fraudulent business dealing involving my Securities account. Please rescind my original credit application on record and all associated Securities collateral.
I will file the following IRS and Treasury forms 1099-A, 1099-OID, FS 1048 and SF 95 for recoupment and file charges with the Securities Exchange Commission, for violation of 18 U.S. Code 1349. Section 10 ( b ) of the Securities Exchange Act of 1934, Material Misrepresentation or Omission.
In reviewing the Barclays Form 424 ( b ) ( 5 ) prospectus, Indenture Trustee : XXXX XXXX XXXX XXXX XXXX XXXX XXXX that deals with debt securities it is in Barclays to close my account and refuse my tender to maintain the debt ( Receivables ).
Receivables means all amounts shown on the servicers records as amounts payable by an obligor on any account from time to time, including amounts payable for XXXX XXXX XXXX XXXX XXXX XXXX Receivables that become Defaulted Receivables will cease to be included as Receivables as of the day on which they become Defaulted Receivables. For purposes of the FDIC Rule and GAAP, Receivables are financial assets ( XXXX XXXX I am aware you are trading my securities as a XXXX XXXX XXXX XXXX XXXX XXXX, with the indenture trustee as the nominee with XXXX XXXX XXXX with Barclays acting as the beneficial owner.
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| 04/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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Web |
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Here is the issue. Recently I purchased stamps ( XXXX rolls ) for which I should have been charged {$85.00} with shipping ( the screen shot attached ). However the item charged was actually {$89.00}. I reached out to the merchant however I received no response so I contacted Barclays Card at the number listed for disputes XXXX. The XXXX based CSR informed me that actually they do not have a capability/authority to address the charge back issue so I then asked to have someone with the supervisory role in the US to call me since the CSR did not comprehend what was being told ( ie. she asked me for a proof of the transaction after she was told I have had screenshot attached to it ). I was told that the callback will be scheduled on XX/XX/XXXX at XXXX. The call back didn't happen. On XX/XX/XXXX I was told that by the CSR again based in the XXXX that I am unable to get a supervisor in the US and all she can do is to throw me back into the loop to hopefully I can get someone in the US authorized to address a {$4.00} charge back issue. I then called again and allegedly got someone in the US who then informed me after a very long conversation that they have to put me on hold to speak to so-called dispute department to address is as this person is obviously unauthorized to address the issue. I was also informed that Barclays USA has a 15 day rule from the date of purchase to allow a transaction dispute which is completely crazy as it is completely contradictory to any idea of proactive fight against fraud and financial abuse.
It is evident that the Barclays USA is making any kind of dispute transaction extremely hard and impractical so the customers simply get tired and go away. Well I am not going to go away and I expect Barclays USA to provide a service based on professionalism and basic metric of customer service instead of arrogance and completely polite but nonetheless disrespectful way of doing business.
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| 05/05/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I had my handyman replace 6 floor tiles in my kitchen. He ended up taking 5 days, used up 40 tiles and charged me {$720.00} for the work as he charges hourly. I have used him for years and felt bad not paying him for his time. The tiles started popping up and were not even sticking to the ground. I had to pay someone else ( who knew what they were doing ) to fix the job and buy more tile. I was now out {$1300.00} for a job that should have only cost {$400.00}. The original tile layer said he already spent the money I gave him and could not pay me back. I then disputed it with my credit card company. ( Barclays/ XXXX XXXX XXXX card ) They then went after his bank and took the {$720.00} out of his account. They put a credit on my account but a month later said they would not help me and charged me the {$720.00}. They said the " merchant '' would not help me as I did not pay the tile layer the correct way. The " merchant '' they are referring to is XXXX. I connected my XXXX XXXX card to my XXXX account so I can have the credit cards protection when I have to pay workers. XXXX charges a large fee for protection if I choose to pay a company and it charges a smaller fee if I pay a friend. Since I have the credit cards protection I paid him as a friend for a service. The credit card company says they did not take the money out of the tile layers account and claim XXXX did. XXXX says they have nothing to do with this. This transaction is between the credit card company and me. XXXX has told the credit card company that they are just a 3rd party and have nothing to do with this dispute and are not the " merchant '' the " merchant '' is the tile layer. I am now out {$720.00} and so is the tile layer. Credit card company is up {$1400.00}. I can not get anywhere with XXXX especially with Covid they will not answer disputes. I have written the company and called about 9 times since XX/XX/2020. Not getting anywhere.
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| 04/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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My XXXX Score dropped 48 points over night without any changes I initiated to my credit file.
Upon receiving the notification about my score drop from my free credit score apps, I immediately filed a dispute. This was XX/XX/2020. I also contacted XXXX directly via phone immediately after filing my dispute because I was unable to upload supporting documents on their website. A representative informed me I had to fax any information to update my credit file. I then faxed over an official statement from my lender stating the status of the closed account. I promptly faxed them the document with a cover letter that included my dispute number. I also included a letter of intent stating this reporting error caused me financial hardship and that I was filing a written complaint. I received an email on XX/XX/XXXX that my REINVESTIGATION has started from an non-reply email. When did the original investigation take place? What was the result? Was my complaint received? No email to respond to about my issue. On XX/XX/XXXX, I received a notification from my free credit reporting apps that my name had been updated, seemingly for no reason or purpose. Its now XX/XX/2020 and I have not received any notification from XXXX regarding my initial dispute or an acknowledgment that I filed an official complaint with the company. During this time, my XXXX credit score has not changed. Meanwhile, my XXXX and XXXX scores both increased because I have been working for years to repair my credit.
XXXX not only failed to provide me notice of dispute within 30 days, they have not changed their error. Both of these matters are grounds for a lawsuit. I am trying to purchase a home and need my credit scores to be accurate for pre-approval. There has been no acknowledgement of wrongdoing or that I have filed a complaint from XXXX. I am emailing this message to the only email I can find for them hoping to get this issue solved.
|
| 12/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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I ordered a clothing package from XXXX XXXX on XX/XX/2020. The order was shipped in two seperate packages. The first package was marked delivered on XX/XX/2020 by XXXX marking my package delivered. I NEVER received this package. I live in a gated community and have a XXXX camera doorbell that catches ALL motion on my front door. I work from home and my desk is right next to the front door. This package contained 3 items totaling {$450.00}! I immediately called XXXX XXXX within hrs and told them this package was not delivered despite the notification. They told me to wait 2 days. After 2 days, I called back and they told me they could not do anything and to file a claim with the credit card company. I disputed the charge and XXXX XXXX froze my account. I called XXXX XXXX and spoke to a chargeback coordinator that told me to file a police report in addition to the credit card dispute. I told them the package was not stolen it was misdelivered. I opened a dispute with XXXX and a driver complaint. They offer no solutions. The credit card company denied my dispute because XXXX driver claims he delivered this package. This is the second package within one week that was NOT DELIVERED from XXXX. ( XXXX refunded my {$110.00} after I disputed the charge ). Both packages marked delivered on a Thursday. I filed a police report, the police laughed at me and filed the case closed. I am now out {$450.00} for over 2 months!! I refuse to purchase anything from XXXX XXXX ever again. The credit card company offers no solutions. XXXX XXXX told me to file an insurance claim! XXXX XXXX customer service XXXX XXXX was completely rude and stopped replying to me when I provided the completed police report and the credit card closed the dispute. I have ordered THOUSANDS of $ of clothing from XXXX XXXX and NEVER had an issue and they treated me like a piece of XXXX!! I want my money back!! Barclays Uber credit card is a scam.
|
| 06/28/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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Web |
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I opened a Barclays Uber Credit card some time ago. I haven't used it much recently since they changed the terms to make it basically useless for anything except Uber, and given that we're in the middle of a pandemic, I haven't travelled recently be it for work or personal reasons. With no warning they closed my account, because obviously it's perfectly fine to expect your customers to put their health at risk to travel just to use your card -- according to them it was closed in XXXX because of a 'inactivity in the past few months ' which is well with in pandemic range. This was annoying enough since I got exactly zero information that this was about to happen ( no, I received no letter from them ), but they've also declined to reimburse me for the credits I still have with Uber. Under the circumstances this is the very LEAST they could have done. I contacted them multiple times ( email -- as I've noted below I can't even get a person on the phone ), but despite the credit still being listed on the very first page of my account, per their response 'we don't see it on your UBER Visa Platinum Account '. They also closed the message chain making it impossible for me to reply despite requesting that I do just that. The credit is a small amount so there's no good reason why it shouldn't have been immediately refunded even without my request, especially given how poorly the closure was handled. I've attached snapshots of the message where they claim they can't find it ( and then ask me to reply when the notice at the top clearly states that the message chain is closed ) as well as the main page of my account which clearly lists the credit that they somehow can't find. I've also tried contacting them by phone, only to be told that there's no one who can help with my account -- not that there's a long wait time, that their automated system literally can't connect me with a person. So this is my last remedy.
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| 10/25/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American |
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I noticed a charge of {$96.00} from the vendor XXXX XXXX XXXX which posted near the end of XXXX on my Advantage Airline credit card managed by Barclays. I have never interacted with XXXX XXXX XXXX, and in fact didn't know the company existed until the fraudulent charge appeared. I called Mastercard number on the back of my card and the gentleman suggested they issue a new card, which happened.
On the next bill, the charge remained, so I called the company again and followed up with a letter, attached.
The charge remained, so I called again. This time they said they would review the dispute. The woman also said " the chip was present '' and that " since the other charges that day were not disputed '' that I must have made the charge. In fact, there are no other charges that day listed. I never had any dealings with the vendor. So, to me, this charge was just added to my account without justification or evidence that I made the charge.
After this call, my account now showed a second XXXX XXXX XXXX charge for the same amount. I called again and was told the 2nd charge was just an accounting error, and would be removed ( it was ), but the original charge was NOT removed.
I have not heard anything more from Barclay 's Mastercard and the charge remains.
In summary, I called multiple times and sent the attached letter via surface mail. I also called after this letter and they again said they would review my case. In the meanwhile, I paid all but the disputed charge. However, the charge remains and I am now being asked to pay a minimum fee and interest has begun to accumulate. I have never received anything in writing.
I appreciate your help. I have never had a credit card company refuse to remove a fraudulent charge before, so I am somewhat at a loss here. I don't know when the next charge will magically appear, so I have locked my card for the time being and paid all but the disputed charge.
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| 12/05/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
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Web |
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XXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, DE XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you BARCLAYSBK or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : BARCLAYSBK or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
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| 10/27/2016 |
Yes |
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Web |
Older American |
|
On XX/XX/2016, I made a normal purchase on XXXX with my credit card as I have hundreds of times over the years. However, this time there was a problem with the way the charge was processed. With no warning or explanation to me, the purchase was processed as a cash advance, resulting in transaction fees and immediate interest charges, at a rate of 25.49 %. I first suspected the seller but had no immediate way of contacting him. So I called Barclay Bank customer service who told me that yes indeed, the seller was responsible for this. I went back into XXXX to cancel the purchase and again called Barclay to make sure that it was canceled. The rep informed me that everything was OK. The merchant had changed their " code '' and the transaction went through as a normal charge. There was no 'cash advance ' processed, no fees, no interest charges ; and yes, I would receive my miles. Today I noticed the seller had responded in an email saying that they did not process the purchase as a cash advance. XXXX was responsible. Curious, I went into my Barclay account online and saw that there was a indeed a 'cash advance ' processed with all the related fees and charges. I called them again only to be told that the conversation I had with a Barclay rep informing me that the transaction had gone through as a normal charge, had never happened. They claim to have no record of any such conversation. So, I called XXXX, who informed me that they had processed the purchase as a normal credit transaction ; and went on to say that only the card issuing bank had the option to process it as a 'cash advance '. Now because of the delay caused by the " no cash advance '' discussion, Barclay claims that I am forced to accept the purchase ( or return it at my expense if it ever arrives ) and I must pay all related bank fees. As the Barclay rep said before I hung up on her, " There is absolutely nothing we can do about this ... ''
|
| 10/20/2015 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
|
I filed an complaint with Barclays bank of Delaware on XXXX, I advised Barclays that, Title XXXX XXXX. XXXX, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below.
As I am sure Barclays are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Barclays company will be in violation of the FCRA.
Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Barclays are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Barclays fail to respond in writing, signed by hand, in a timely manner, I will assume that Barclays are in error and this matter will be challenged. As Baclays further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Barclays claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status.
If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPB, XXXX.
As of today XXXX, Barclays have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRAConsent to publish the description of what happened? Consent providedIssue Customer service / Customer relations
|
| 09/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/XXXX, I submitted to Barclays Bank Delaware via a certified letter a request that they cease their unauthorized hard inquiries to my credit report and that they contact the credit bureaus to have them removed. I stated that to my knowledge, I had not signed any document authorizing their organization to view my credit history and therefore, their inquiry violated the Fair Credit Reporting Act, Section 1681b ( c ). I also asked that if they were in possession of any document that they believed authorized them to make the inquiry into my credit report to provide me with a copy for my review.
In responding to my letter, instead of providing me with a copy of any material they believed authorized their review of my credit report, the company stated " they completed a through review of your situation '' and that " research '' indicated there were applications submitted on my behalf. They did not provide a copy of the applications as requested in my letter. Instead they stated " we were able to verify the information include on the application including the social security number, date of birth, phone numbers and mailing address using public records. '' In my XX/XX/XXXX letter sent certified mail, I asked that if they were in possession of any document that you believe authorized you or your organization to make inquiries into my credit report, that you provide me with a copy of the document. Instead of providing a copy of the document, the company chose to submit a letter that claims to have verified the validity of the inquiry. This is not sufficient under the law.
As an initial matter, the other company listed in your letter is not listed as the one requesting the inquiry, but your company is. Given this, you are a furnisher as defined by 16 C.F.R. 660.2 ( b ) because you are an entity that furnished information relating to me ( the consumer ) to one or more consumer reporting agencies.
|
| 08/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
Older American |
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XX/XX/XXXX I received a letter from Barclays Bank saying that my XXXXXXXX XXXX XXXX XXXXXXXX XXXX was approved. I never applied for that card. I called their Customer Service and was told that there was no account with them under my name. I never received a credit card from them. XX/XX/XXXX I received a bill that the credit card for which they had no record and I never received was over due. NO initial bill, just a bill that it was over due. I contacted their fraud team twice. I disputed it with all three credit bureaus twice. I filed a police report. They closed the account but continued to send letters saying that I charged the card. I hired an attorney who sent them a letter in my behalf. In the middle of this I received an alert from one of the credit bureaus that they had filed a judgement. I spent 3 hours on the phone calling multiple court houses trying to get the details. I filed a complaint with your organization. On XX/XX/XXXX I received a letter from them saying that they have investigated and I or someone to whom I gave authorization charged that credit card. My family lives XXXX miles away. My friends have their own credit cards and don't use mine. I only live with pets to whom I have never given authorization to use my credit cards besides not being able to use a computer, get a ride to a store and don't have thumbs. On XX/XX/XXXX I received a letter saying that they will stop contacting me but may send " required correspondence or information concerning my XXXXXXXX XXXX XXXX XXXX XXXX ''. I don't have the account according to their own Customer Service Department and even if I did, they closed it several months ago. I have been fighting this for 8 months. I want no more correspondence from them about anything. If I receive any further contact from them, I will immediately forward it to my attorney and file yet another complaint for the Consumer Financial Consumer Protection Bureau
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| 12/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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When selecting the options, it did not provide the actual problem I am having although the option I did select is a concern as well.
My problem is that I have had this credit card since I believe XXXX I have always paid my balance in full XXXX XXXX. Initially, I was able to make the payments online. I pay my balance from multiple accounts, so there multiple payments made every month. A XXXX XXXX ago ( or mayble less ), they limited the number of payments online to XXXX payments. This has been an inconvenience because I now have to call every XXXX and make the individual payments which is time consuming. This isn't even the problem. The problem is I tried making the payments for this XXXX and not only did they only allow XXXX payments online, but when I called to make the additional payments to pay off my balance, they told me that I couldn't do it anymore because i was limited to XXXX payments per day now. The XXXX I spoke with was surprised as well as she said this was the XXXX time she experienced this. I tried calling again later in the day thinking maybe it was a glitch, but in fact it appears it is the new policy. The representative suggested I start paying the bill early. Although I do make early payments regularly, I do not feel I should be obligated to do so. If my statement shows a payment due date, Barclay should honor that date and allow me to make the payments. The fact that they don't allow me to make all the payments online anymore is extremely surprising and I would think inefficient, but to not allow it over the phone makes no sense at all.
That being said, the selection I made regarding the payment taking a long time to be applied to my account is also an issue when I make multiple payments. If I make XXXX payment, it seems to apply quicker. When I make multiple payments, I have to wait XXXXXXXX XXXX at times unless I call and have them speak with the bank to verify funds.
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| 08/18/2017 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Deposits or withdrawals
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Web |
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I received a letter from Barclays on XX/XX/2017 thanking me for choosing Barclays Online Banking. The letter explained that I would enjoy all the great rates and services associated with my new account - Online Savings Account and a Online CD account were opened ; both amounts were {$8000.00} each with a total amount of {$16000.00}. I can provide documents of the letter sent showing my two accounts, account numbers, and the amount funded which included the CD maturity date. These transfers were taken from my private trust account where you can not put money back into the account, you can only disburse or withdraw. As soon as I received the letter I immediately called to verify both accounts as I was placed on hold. The gentleman from the security department was very rude and outrageously sarcastic. The gentleman reiterated to me a false blog information that I have never heard of, nor that I was involved in, or some sort of scam that has been going on, which stayed inter-office where my private trust account is currently located and active. I tried to state the fact that I have documents showing proof that I have been using my account, but everything was one sided. If I knew that this is how Barclay 's conducted business I would have never done business with them. Shortly after I called back and I finally had a chance to talk with a manager who was very rude, and also sarcastic, who even laughed out loud as I explained my account. Barclays in fact not in the customers best interest and not an ounce of due diligence was taken. If my account was not valid, I would have not received a letter congratulating me for doing business with them showing my Online Savings Account and Online CD Account. The authority of the account is mine, and where the funds were drawn from to fund both accounts do exists. Barclays did not notify me of insufficient funds nor did they claim that the account was n't valid.
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| 10/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX we purchased a service for pest control. But the company XXXX failed to contain the pest. We contacted XXXX several times over a three months period To have this issue resolved. But the company failed to show up in our house and complete the job. In addition to that XXXX also placed Unauthorized charge on XX/XX/XXXX. Before the first payment expired. We called XXXX And told them we did not recognize the transactions and we demanded A refund. XXXX was unwilling to refund the money or complete the job. As a result we disputed both transactions with Barclays. Also Barclays refused to credit the account and concluded that the merchant did not violate their agreement. While the fact is they have violated the agreement and also committed a fraud. Then we filed a complaint with the XXXX XXXX XXXX XXXX. After that XXXX refunded both the transaction back to the card. On the other hand Barclays refused to return the Money back to the original payment method or to send us a check. Then we filed a complaint with consumer financial protection bureau CFPB Against Barclays and demanded they return the money back to us. But instead of sending the money back to the original method of payment or sending a check to the address we provided they only responded with a letter That explains they have refunded the money. On the ground we have not received Our Money like they claimed on the letter. In XX/XX/XXXX I made Barclays aware Of the interest rate that They will incur Because of holding my money from most important life situations that I was facing. And by holding my dearly needed Money from use Barclays agreed to pay the interest rate of 9,900,000 %. Now I will like to collect all of my money with the interest rate Accumulated since the date of the closure of the account. Which is XX/XX/XXXX. If I do not receive my money within a reasonable time frame the consequences will be further more costly.
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| 10/12/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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BRCLYSBANKDE ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you BRCLYSBANKDE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : BRCLYSBANKDE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX, XXXX, XXXX XXXX
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| 10/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/2022, a customer representative from JetBlue Credit Card XXXX XXXX Barclays ) called to ask me if I had made seven purchases of a portable stereo CD player from XXXX. I stated no so the rep. said not to worry because the fraudulent transactions would be reversed and I would not be charged. I received a letter from Barclays dated XX/XX/2022 that stated I am not responsible for the fraudulent activity. I later received letters from Barclays dated XX/XX/2022 and XX/XX/2022 stating that I am now responsible for the charges of {$1300.00}. I disputed the outcome and still have not been credited for the fraudulent purchases.
I spoke to a representative that stated the tracking number associated with the seven portable stereos shows delivery to my address. I later went directly to the post office to get details on the usps tracking number XXXX XXXX XXXX XXXX XXXX XXXX. This tracking number does show delivery to my address, however, the weight of the package was only XXXX ounces and postage was {$3.00}. Obviously, the weight and cost does not equate to shipping one portable stereo let alone seven. I do recall receiving an empty envelope with no return address and a delivery confirmation number in early XXXX. I thought the empty letter was odd but did not keep it since there was nothing suspicious going on at that time. This is shown in the submitted documentation along with the police report that I filed.
For some reason, Barclays is still insisting that the tracking number is proof of my receiving the seven portable stereos. I asked a customer service rep. from Barclays to let me speak to a manager and was told none are available and that I would receive a call within a couple of days. It's been several weeks since that call and I still have not heard from a manager at Barclays while I keep getting credit card statements showing interest and penalties accruing on the fraudulent charges.
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| 07/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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End of XXXX I have made a payment to Barclays XXXX for {$390.00} using my bill pay with an outside bank. Since the payment appeared to meet the deadline I have called Barclays and I was informed that the payment was never received. Subsequently I then paid the whole amount of the statement plus some pending activities over the phone at around {$1200.00}. I was also advised to put a stop payment on the missing check which I did. However the company informed me that the payment was actually processed despite being told that the payment was never received resulting in {$39.00} payment denied charge. On XX/XX/29 I have made 3 phone calls with the following results : Call # 1, the CSR couldn't locate the charge stating that it doesn't exist. When I questioned whether she was properly trained to even look up the account I was put on a very long hold to verify the info and then hang up on.
Call # 2, I called the call center and after a long hold transferred to the supervisor, XXXX. After the verification, the call was subsequently disconnected by the supervisor without warning or cause.
Call # 3, I finally called and after undergoing a verification process transferred to the supervisor XXXX. XXXX took many notes on the account and at the end informed that that regardless if there was a " miscommunication or not '' he doesn't have an authority to remove the {$39.00} charge.
It is obvious that Barclays XXXX is doing business this way to accrue unnecessary fees. Not only after many problems I was finally sent a paper bill which I requested for weeks, and now the company is misleading the consumers on whether the payment has been received on not. The transaction log shows that by the time I was told the payment was not received it actually was received but not processed. That's the reason I opted to pay in full while putting a stop payment on the check that should have been processed to begin with.
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| 04/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American, Servicemember |
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Last year, I made an online purchase for a battery powered XXXX nail XXXX. The charge amount was {$76.00} and it was placed on my XXXX XXXX XXXX XXXX XXXX XXXX. The company took quite a long time to send me a package. When they did finally send me a package, it was a pack of disposable face masks - NOT the nail XXXX. So I requested a refund from the company. They wouldn't agree to that, but said they would send me the original item. Because of how long it took disputed the charge with my credit card, and because this company was from out the country and I felt this was probably a scam, I would not agree to that. I just wanted a refund. So I disputed the charge with XXXX. Initially, XXXX 's negotiated a settlement with the company : they would let me keep the face masks and refund some of my money less {$15.00} for shipping. Then a second offer was made to me to refund my money less 10 % of the purchase price. I declined both. Why should I pay for this mistake? I just want my money refunded. All of it, not part of it. After I told this to XXXX, they kept my investigation file open and kept saying to call them back in XXXX weeks. I did this several times. At one point, they even closed my file but didn't tell me about it! So they reopened it in XX/XX/XXXX, and asked me to send them a picture of the wrong item XXXX the face masks XXXX. So I did that by fax. I kept following up with XXXX after that, asking for a status on my dispute, and questioning if they received my fax. and they kept saying, call back in XXXX weeks. So I would call back and get the same instructions. Finally, in XX/XX/XXXX I asked for a supervisor. The supervisor called me back XXXX weeks later and said it had been too long and they closed my file! This is not right. XXXX is responsible for not following up with ME. I received no letters or phone calls from them, just " call back in XXXX weeks '' whenever " I '' called THEM.
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| 05/28/2015 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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During a period of extreme financial hardship, I fell behind on my Barclay Card ( LL Bean Visa ) but called and was told that I could " re-age '' the debt by making 3 monthly payments starting XXXX XXXX, 2015. I was unsure if I would be able to until the day before. Unfortunately XX/XX/XXXX was a Sunday. Though their website says customer service is available XXXX, if you 're in collections once you enter your personal info your call is automatically rerouted to collections and no one is available on weekends. I made the payment in good faith on their website and contacted them by email regarding the situation. I called the next day and explained to the service rep what had happened, explaining that the original rep should have noticed that the due date was a Sunday and given me an alternate date, and he assured me that the payment would be honored towards the " re-age. '' But it was not. Shortly thereafter I received a debt collection notice. I called and was told it was too late to re-age but they would wave the late fees if I could catch up with XXXX payments by XXXX XXXX. It was difficult but I managed to make the payments, with the final XXXX being on XXXX XXXX, 2015, on the phone with a customer rep. She assured me my account was now back in good standing. However, when I checked my account on their website a few days later I found that I was charged a late fee on that payment. I called again and got the fee removed, but 2-1/2 weeks later their website shows that not only do I still owe the late fee, but also the original overdue amount. To top it off, this XXXX ( XXXX XXXX ) we got a collections call. I called my same service rep and told her what was going on. The issues did not appear on her computer, but he swore she would personally contact both collections and IT. However, I just got another collections call. I cleaned up my act and I think it 's only fair they they do likewise.
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| 11/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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I was going to purchase a car rental with XXXX and notices a promotion for a credit card that offered a statement credit and 0 % interest if I applied for it. Come to find out it's managed by Barclay. So, I applied and instead of being approved it stated more information was needed. I would be contacted back within 30 days.
This is the second time this has happened with me and applying for a Barclay credit card. I did this with Old Navy as well to receive an additional % off and the same thing happened. I ended up not being able to use the extra % off for the purchase I was trying to make.
In my opinion this is false advertising and possibly fraud. They're offering a promotion and then not approving consumers to get the promotion for the purchase. I have excellent credit and my debt to income is very low. So, there's no reason I shouldn't have been approved right away. I did this same thing with a XXXX credit card through XXXX last night and was approved right away with a high limit. I was able to utilize the promotion offered because of this.
After this I called their customer service and eventually was transferred to their customer Security Department. I was informed that I was approved but my account number hadn't been processed yet. So, if I was approved 15 minutes after I applied why wasn't it approved so that I could use it for my purchase and the promotion?
I'll tell you why!!! Barclay uses these promotions for a bait and switch. They offer them so people apply and then make it impossible to get the promotion for the purchase you're trying to make.
THIS SHOULD BE ILLEGAL!!! Something needs to be done about this because it is a complete invasion of a customer 's trust. When dealing with a well-known company that is trying to handle our money, we shouldn't have to worry about getting screwed over.
Thank you so much for hearing me out and hopefully handling this great injustice.
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| 11/05/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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on XX/XX/2020 I received a text message and a call from fraud department, Barclaycard ( in attachment ) regarding charge from XX/XX/XXXX for {$210.00} this was not my charge and I decline this transaction, representative form credit card, Barclaycard said I don't have to worry thy will close the old card and replaced with new one. will not be responsible for it. I wait two weeks for a new card ended with # XXXX.
on XX/XX/2020 I call to credit card to pay my bill as I always do. To my surprised I fine out my balance is very large, not what I was expecting. I fined out that 3 charges from old card were transfer to new card, charges from XXXX XXXX Store # XXXX from XX/XX/2020 for {$210.00}, {$210.00}, {$220.00} Those were not my charges as I said to fraud department on XX/XX/2020 when they contact me. I disputed this charges with credit card on XX/XX/2020 first by calling them and sending a letter sting all facts ( see attached ) At this time I was advised to do police report and I did that on XX/XX/2020 ( see attached ) including {$25.00} charge for copy of police report.OnXX/XX/XXXX I received two letters re this situation, one informing me that I am not responsible for charges, the 2nd letter informing me I am responsible for the charges ( both letters dated XX/XX/2020 ) The Barclays open a new investigation case # XXXX and they said I have to wait I call every 2 weeks to follow up on case but there was no new information, I spoke with supervisors but everybody was asking me to wait. I receiving bills for those unauthorized charges and I am paying a minimum on it {$29.00} per month I don't want to destroyed my credit but I don't want to pay for fraud charges.
om XX/XX/2020 I received letter that my case was denied and I am responsible for those charges. Please help me resolved this problem. The credit card Barclays did informed me re fraud in the first place and now thy are denying it.
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| 02/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I lost my physical credit card on XX/XX/XXXX.
Since that time my card was used on several purchases I did not authorize ( see attached ).
Not only were these transactions large, and placed after I lost my card, but they incurred cash advance fees which themselves are problematic because XXXX ) the transaction generally are not cash advances and XXXX ) interest and fees have accurred.
I reported this activity to the bank when I noticed this on my statement first on XX/XX/XXXX. I locked the account.
To my surprise, I never was issued a provisional credit and nothing was done, and my account was unlocked without my consent. So on XX/XX/XXXX I again reported the transactions and locked my account. Again, no credits were issued and I received no correspondence or updated. So on XX/XX/XXXX I again reported the transaction, locked the account, and again no update or credits were issued.
On XX/XX/XXXX I called the company, I again reported the incidents, I was told a provisional credit would be issued in 24-48 hours.
Then on XX/XX/XXXX I got a bill from the company which claimed my account was past due and showed the full balance along with additional accumulated interest and late fees.
On XX/XX/XXXX I called, first I was told no provisional credits were issued because I did not make a minimum payment. However, I did not have to make a minimum payment because the amount of the provisional credit I should have received was larger than the entire balance since the fraud went on over multiple billing cycles, of which the prior one I paid.
Thus, Barclays is not following the law, they are not issuing me provisional credits, they are telling me I do not qualify unless I make a minimum payment ( even though they owe me money as I already paid for one of these fraudulent transactions ).
They continue to assess late fees and interest, and they have provided me with NO correspond or updates.
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| 01/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/2022 I traveled to XXXX, TN. I met up with a group of friends and we went for brunch at XXXX on XXXX XXXX. When the bill came we split the bill and it came out to {$42.00} dollars a person. I initially was going to pay with my Barclays Jet Blue Credit Card but then decided to pay with cash instead. I got up and walked to the waiter and told him that I will instead pay with cash. He said he will be right over to bring me back my credit card, which few minutes later he did. I left the cash and so did most of my friends on the table with the bill and we left. I never signed or authorized any amount on my credit card.
When it was time for me to pay my monthly credit card bill, I noticed an amount of {$270.00} on my credit card from the same restaurant. I immediately called the restaurant to speak to the manager regarding a fraudulent charge billed too my credit card by the restaurant. I was advised that the manager will call me back. I have called four times and left messages for the manager to call, which he never did. I believe the waiter used my card to charge someone else 's bill because even our bill wasn't that much, our bill came out to total between my friends and I was {$180.00} dollars. I called the Barclays Bank to dispute the charge and advise them that as per my disclosure agreement with them, I am protected from any and all unauthorized or fraudulent charges and that the charge billed by the restaurant is fraudulent and was never authorized or signed by me. They refused to accommodate me and protect me as a consumer and advised me that there's nothing they can do to reverse the charge. I then asked them to show me what proof did the restaurant provided to show that I authorized the charge and they simply said they cant share that information with me. I plead for your help in try to resolve this issue and look forward to hearing from you soon.
Sincerely, XXXX XXXX
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| 01/03/2016 |
Yes |
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- Customer service / Customer relations
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Web |
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Being the beginning of the year, I decided to update my passwords and security questions on all my cc accounts. I started with my XXXX card serviced through Barclays. I was surprised that the website did n't ask for my password, instead it asked me questions that I had never submitted as security questions. Not feeling very comfortable I called the phone number and spent several minutes trying to confirm the correct website address - the rep advised that I had to provide my TIN and DOB to be able to provide me with the website address. I refused and finally got the address from her, but when I tried it, again, I had no luck. I tried to answer the questions, however, it did n't work. It asked several questions about people and places I was unfamiliar with - so I answered those and it tells me this failed and the site was blocked. So, I tried sending an e-mail, but that info is not provided unless you can access your account. I tried calling customer service again to ask for an e-mail address ; and again refused to provide personal info as I do n't believe this should be required for non-confidential info. After 10 minutes and getting transferred to a supervisor/manager, I 'm told they do not have e-mail addresses. I 'm also told that I must provide personal & confidential info so they can decide if they will assist me to close the account. I asked for another method besides phone to close the account, as I also could n't access the website. She advised I could only close by phone. I was told I could n't close it from the website, this institution does n't have physical sites, and I ca n't go through XXXX, as Barclays is the servicer of the credit card accounts.
What can be done to cancel an account if the consumer does n't feel confident with the person on the phone or the security of the corporation? This company has a horrible website security profile and the phone is n't any better.
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| 09/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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I enrolled in a Barclay 's XXXX XXXX XXXX promo where all purchases on card have 0 % interest made from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I called Barclays to confirm that I could turn off my auto pay and that each purchase I made I didn't owe anything until the 7th month, the rep agreed. I wanted to make sure there was no fine print I was missing.
On XX/XX/XXXX, I got a voicemail asking me to call Barclays and called into their collections department, I have been a multi year customer with an XXXX credit score. I ended up being on the phone with for almost 2.5 hours, more then 90 minutes holding.
XXXX the rep I spoke to told me I had a late fee for not making a minimum payment on my most recent Barclays statement. I explained I was under the promo and she told me the terms of the promo are that I must make minimum payment on the card each month for the 7 months of the promo. No where in the promo email they sent me does it say that.
I escalated this issue the XXXX, a supervisor, fee was waived but only thing I could do was write a complaint letter for my file and I think he said it went to credit score companies.
I spoke to 3 different people that night and offered to email them the promo but was told their systems don't allow that.
I think its very unfair that Barclays can require a minimum monthly payment and not disclose it. It seems like they're trying to make money off the late fees from people who don't notice or that don't spend 2.5 hours on the phone to get a credit.
I want to make sure the public is safeguarded and not taken advantage of like I was.
Additionally, I made the minimum payment over the phone XX/XX/XXXX and XXXX alerted me XX/XX/XXXX that my {$75.00} charge to Barclays rejected ( I have a 5 figure credit line with them on card ) I'd appreciate any help you can provide.
( attached is snapshot of promo email, I can forward originals if helpful )
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| 04/07/2016 |
Yes |
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Web |
Older American |
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Called on my XXXX credit card for a balance transfer of {$2400.00} to their account. Had always liked this company and was given good service in the past. After going through the typical security questions, I was transferred to another person who only handled security. That person began asking if we had ever owned ( and then gave a list of XXXX-XXXX cars ), that happened 4-5 times. We have been married 52 years and do not remember all the cars we have owned. Finally remembered one she listed. Then asked my husband if he had lived in only one state. Answered no, told her which ones and then she asked from which state his social security number had been issued. It continued with asking about our children. By name, about our daughter who has been out of the house for 26 yrs and is married, where does she live. Then about our son who has been out of the house for 4 yrs. And then about our son who lives with us, age XXXX. During this time of questioning we began asking how does this info apply to this situation and where did they get this info. Was told that all of it is public info but no answer was given on who provided this info to them. At the end, the security person finally gave her approval for us to do what we wanted ( a balance transfer ). At which point we declined, because we had no idea where all of this was coming from, and did not feel safe in proceeding. We let them know throughout the whole issue that we had never gone through anything like this and did n't feel this was right. And for the record, we called one of our other cards and had it done in less than ten minutes. We called the XXXX and they told us to call the Attorney General 's office in OH and they referred us to this agency. All said this did not sound right to any of these agencies and that we should continue to report this especially the questions about our children. They had never heard of anything like this.
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| 12/21/2023 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I have a credit card with Barclays - Wyndham rewards Visa card. I called them on XX/XX/XXXX to let them know I was going through a difficult financial situation. I asked them to lower my minimum monthly payment. On XX/XX/XXXX, they let me know my payment plan was approved under the name " XXXX XXXX XXXX, '' my new payment will be a {$190.00} minimum payment on the XXXX of every month. I made the first payment under this plan on XX/XX/XXXX. Since that date, I have been paying {$190.00} every XXXX of the month. However, they have been acting weird since then. At the beginning of XXXX, they called me and said I had to make the monthly payment, but I explained that I was in an XXXX payment plan. They told me my plan was canceled for lack of payment, although my payment was not due until almost the end of the month. They told me they would re-activate the payment plan again to start over. I didn't know why they did that, and it was a bizarre situation. Since XXXX, they have been reporting my account to the credit bureaus, so I have received emails saying my Barclays account has been impacted negatively. They have been calling since then repeatedly, almost every single day every month, to remind me about my payment. In the last XXXX months, I told them I already had a payment plan, but they said they didn't see it in their system, so after checking for a few minutes, they told me they found the info. Every time they call me, I answer the phone, but the call hangs up. I feel like this company is doing something wrong, and they are harassing me with their phone calls or hanging up every time I answer. I don't feel it is fair to keep paying a company that doesn't respect their terms, ignoring what was agreed, and harassing customers with phone calls for no reason. I ask you to investigate and help me with this situation since I am doing what is right, but they are acting abusively against me.
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| 07/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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In XX/XX/2021 I opened a dispute with my Credit Card Company, Barclays XXXX XXXX Mastercard ( XXXX XXXX ) regarding an Item I had purchased from XXXX XXXX on XX/XX/2021 that had been sent to me in the wrong size and was returned to XXXXXXXX XXXX using the label they provided for this mistake on the same day of receipt ( XX/XX/XXXX ). XXXXXXXX XXXXXXXX did not have any of the item left and told me they would issue me a credit once item was received back.
XXXXXXXX XXXX did not issue a credit and upon calling them several times, I was told they could not find the return package even though tracking clearly showed it was received at their dock many weeks before.
Barclays took my dispute but NEVER issued me a provisional credit. By mid XXXX, the Merchant did issue me a credit for the item.
On XX/XX/2021 I received a letter from Barclays ( dated XX/XX/XXXX ) stating that because the Merchant had credited me and that they HAD ALSO ISSUED ME A PROVISIONAL CREDIT, that they were going to reverse their provisional credit and recharge me {$55.00} for the item.
The problem was Barclays NEVER issued me a provisional credit.
I called upon receipt of this letter and spoke with XXXX in a NON US location. I asked for a US based supervisor and was told NO ONE was US based. There were roosters going off in the background and her English skills were quite poor. However, she confirmed that I was NEVER issued a Provisional Credit and she told me she would put in a " form '' to escalate the reversal of this bogus charge made by Barclays for {$55.00}.
It is now 10 days later and no reversal has been made. I called again today, got someone named XXXX with even worse XXXX also Non US based, was told again NO ONE is in the US. I demanded a supervisor and was told that in 5 business days I MAY get a call.
This is unacceptable! Barclays made an unauthorized charge to my card and will not correct it!
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| 08/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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On XX/XX/XXXX, I paid my full statement balance {$140.00}. At the time of payment I was under the impression that my credit card was paid in full. This conclusion was substantiated by the Barclays statement which says However, you can avoid paying interest, if you pay your purchases subject to interest ( excluding Easy Pay Offers ) plus any monthly Easy Pay Payment amount in full by the Payment Due Date every month.
On XX/XX/XXXX, I received a statement with an interest charge of {$2.00}. Despite paying my balance in full on XX/XX/XXXX and having no purchases during the statement period. In the interest charge calculation portion of my statement, the purchases section indicated that the Balance Subject to Interest Rate for purchases was {$120.00}. Despite having no purchases in the statement period. When I called Barclays they did offer to waive the {$2.00} but I am still unclear on how the {$120.00} was calculated. I am also not confident that paying my full balance will prevent me from interest charges as the terms and conditions state.
Following the conversation, I reviewed my statement for the period XXXX and I noticed a similar discrepancy in the interest charge calculation. Between my payments and previous balance the remaining balance was {$140.00}. However, when referencing the Balance Subject to Interest the Purchase amount that was used to calculate the interest was {$180.00}. Nothing in my statement adds up to that number and if that is interest from older purchases it should be labeled as such.
Although the charge was waived, Barclays representatives were unable to explain to me how paying the full statement balance led to interest charges in the next month. They were also unable to clarify how the purchase number was calculated.
I have statements to substantiate but I am unable to upload to this complaint due to the size. Please let me know how I can submit them.
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| 02/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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My name is XXXX XXXX XXXX My ss # is XXXX XXXX XXXX My DOB is XX/XX/XXXX I have 2 accounts with XXXX, both credit cards with XXXX balances.
In XXXX of XXXX I used the XXXX rewards card to purchase internet access for {$7.00} on An XXXX XXXX Flight to New Mexico. I never used the cards since and am also in very good standing with Barclaycard. My bank to make repeat payments was closed that I was expecting to make on the {$7.00} balance, I did this to simplify my finances.
At the time I was traveling in XXXX XXXX, NM, ( From XXXX to the end of XX/XX/XXXX ) - and was not receiving any mail that would be sent to my XXXX XXXX, and never received any correspondence from Barclaycard, not did I received any email correspondence also.
Earlier last week I saw that the {$7.00} charge was posted to my credit report, yes .... the {$7.00}. Given my good standing and the fact that this was so petty, I called Barclay Card 's customer service - went through the phone tree and was repeatedly told that I made a mistake by not paying the {$7.00}.
I was escalated to a manager and was agreed to be contacted back with a resolution and NO ONE from Barclaycard has contacted me. They mentioned this would be over email and I also confirmed my email.
Today, a week later XXXX, I call Barclaycard 's customer service and am escalated again to a manager, and he told me they under no circumstances would they be willing to remove this from my credit report. I let them know that I was expecting written contact from the Barclaycard customer service team and no body responded back to me I feel completely lost in this circumstance, no one is willing to help me. It's not about the {$7.00} its about the fact that we are in the Pandemic and one of the most turbulent economic environments in history and an institution that large is not willing to help, but rather tell the little guy to XXXX XXXX. Please help me.
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| 10/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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My payments are made by auto pay on my Gap XXXX reward card/Barclays. Barclays had an issue with their system duplicating payments for my payment on XX/XX/XXXX. My bank, XXXX XXXX stopped the duplicate payment, and then Barclays realized they took a duplicate payment out of my account, and then they took back the payment. XXXX XXXX realized that Barclay 's corrected the duplicate payment and sent my payment again on XX/XX/XXXX. Barclay 's claims they did not receive the payment, only received the reversal. I have emailed my bank statement to Barclays Resolution department showing proof of payment, 3 times, to XXXX. I have spoken to 3 different Managers. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The last manager I spoke to on XX/XX/XXXX, her name is XXXX, told me that my bank statement is not enough proof of payment. She requested I get something in writing from XXXX XXXX. She then called XXXX XXXX while we were on the phone together to verify my checking account # and routing #. The XXXX XXXX representative also confirmed verbally the payment was sent to Barclay 's and received. Even XXXX XXXXXXXX told the Barclays representative, that what you are asking for is against banking policies, the bank statement is proof of payment. XXXX XXXX also provided me with the Trace ID of the transaction, and that does not seem to be enough proof for them that I made the payment.
At this point, I have provided proof and they still have not applied my payment. I do not know what else to do to resolve this situation. Furthermore, I never received anything in writing from Barclay 's about the duplicate payment issue, I only found out about it on XX/XX/XXXX when I tried to make a purchase with that card, and it was declined by Gap. I still have not received any notification that they have received my statement and are looking into the issue. All I want is for them to apply the payment that I sent.
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| 06/11/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/202, i noticed a fraudulent transaction on my Frontier Master Card account ending with XXXX for an amount of {$27.00}, I reported that to Frontier Master Card Customer service who made me wait 2 hours and then a XXXX lady answered the call and was reluctant to provide her name and emp ID or any identification ID and refused to take my complaint saying that Fraud dept is closed today and she is the only one available today, I told her this is a multibillion dollar bank how can there be only one employee working on sat, it is usually 24/7, After 45 min of explaining her situation she finally transferred me to a manager at Barclays in USA, I told her about this fraudulent transaction from XXXX XXXX XXXX XXXX and she blocked my card and marked it fraud pending investigation.
Exhibit A - On XXXX XX/XX/2020 I received a mail that I have been credited the {$27.00} Fraud disputed amount from XXXX XXXX XXXX XXXX please check exhibit A and confirmed that account has been closed Exhibit B - On XXXX XX/XX/2020 after a month I received a letter that the Barclays investigation dept has determined that XXXX XXXX XXXX XXXX {$27.00} is a valid transaction and therefore its re posted, XXXX XX/XX/2020 again after waiting 2 hours on hold and requesting the XXXX agent to please let me talk to manager which she would refuse or try to disconnect ( attached Call log ) I was able to talk to XXXX who refused to re open case # XXXX and told me to fax more supporting docs to them again to review but at this time they cant help, I told them to go to XXXX website and see for themselves it been shut down by the XXXX Govt and its an XXXX website and there is no customer service operation when you call them it says it has been disconnected, I provided all the hard evidence to show that this was indeed a fraudulent transaction but they refuse to help me and never responded back saying case is closed
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| 04/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I had made a payment to barclaycard using XXXX XXXX 's billpay feature, received confirmation that it was delivered to / accepted by Barclaycard, but Barclaycard never applied the payment to my account. I've called and faxed both XXXX XXXX and barclay at least a dozen times over the last 4 weeks and no one has been able to remedy the situation.
XXXX XXXX tells me that they've requested the payment be pulled back from barclaycard at least 4 times to issue me a refund, but they still have not received ANY type of response from barclaycard.
I submitted 2 separate formal research requests to Barclaycard to find this payment and apply it correctly, and they still haven't found it / updated me after 3+ weeks. I've called barclaycard 1-2 times per week for status updates and their response has only been that they are still researching, and that they CAN NOT provide an estimated time to completion of the research request.
As of now, I have no recourse or resolution for my {$4900.00} payment made to Barclaycard through XXXX XXXX and no one is able to help me. I just now got off the phone with Barclaycard again ( XX/XX/2020 at XXXX EST ) and they again have told me that there's no estimated time to completion / resolution of this request and that my almost {$5000.00} payment due on my card on XX/XX/XXXX1 is still due ( even though they are already in receipt of those funds since I've already paid ).
I need help with reaching out to Barclaycard to track down this payment and apply it to my account. The general customer care line is unable to fix this, but I'm sure someone with knowledge of the XXXX XXXX bill pay receivables account can fix this within minutes. I have the exact time, date, and transaction number of my payment to Barclaycard from the XXXX XXXX payment receipt, so it's just a matter of searching the receivables account for that info and applying my payment.
Thank you!
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| 03/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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This complaint is about a Barclays Bank Delaware AAdvantage Aviator Red Mastercard.
I was on an XXXX XXXX flight in XXXX and they were offering a deal to open an Advantage Aviator card without the {$99.00} fee for the first year. When I got home I tried to access the deal online to apply for the card. After signing up for the card I realized they were going to charge me the fee to open the account. I called to try to correct it within the hour. I closed the account within an hour of opening it. I was assured that the account was closed.
Following that I began getting calls about a small balance. I think the balance was the yearly charge of {$99.00}. I spoke with multiple persons and told them the account was closed less than an hour after I opened it. I never saw the card in the mail. I did not receive statements. I never put any charges on the account and repeatedly tried to close it. Then in XXXX I was told there was a balance of over {$5000.00} on the card from a balance transfer. I never transferred any balance from any other account and told them that. I again told them I had been trying to close the account since less than an hour after it was opened. I would be repeatedly transferred from person to person when trying to dispute the charges. I was asked personal information such as my social security number and card number, which I didnt know since I never received the card. I was repeatedly assured that the account was closed, including an hour after opening the account. I was never given any information as to what account the balance was transferred from. I believe my information was used by someone else unknown to me to make a fraudulent transfer.
Now they have referred the account to a collection agency and I received a letter stating I owe {$5400.00} to XXXX XXXX XXXX, XXXX. for an account ending in XXXX.
Please help! I believe this is a scam.
Sincerely, XXXX XXXX
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| 06/05/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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Barclays has been ridiculous lately. I have a 720 credit score and recently applied for their XXXX card. I am a longtime Barclay 's cardholder with flawless payment history. They rejected me a few months ago for " too many new accounts and inquiries ''. I waited a few months until my credit strengthened and applied again. With a stronger credit history than when I got my original card with them, THEY DENIED ME SOLELY ON THE BASIS THAT I HAD BEEN DENIED PREVIOUSLY, NOT TAKING INTO ACCOUNT AT ALL THAT I AM A PRISTINE CUSTOMER OR THAT I HAVE NO LATE PAYMENTS OR COLLECTIONS OR ANYTHING BAD ON MY CREDIT AS OF NOW. So I called their reconsideration line and spoke with XXXX, employee ID XXXX and his associate. They had clearly made up their mind that I was an awful credit risk due to my new accounts and inquires. He and his associate half heartedly offered to " reconsider '' my application but essentially gave me the feeling the would deny it anyway because I am this deadbeat who can not be trusted, so I declined. They wouldn't even move part of my existing line to create a new card without a full credit review ( which I feel they would have denied ) because of the dreadful risk that I am ( again, no late payments, or over the limit occurrences ). Further, I should note the only reason I am applying for the XXXX card in the first place is because they won't do a product change of my XXXX XXXX card to the XXXX card. I don't want to close the XXXX XXXX card because it has a long account history. That said, for both their XXXX and XXXX products, they told me I had to apply for new cards ... and then denied me for applying for new cards. I admit that I use credit, am constantly looking for lower interest rates and better rewards, so I open/close credit cards regularly. That said, I pay them. XXXX should have to take into account the fact that I'm a good customer when approving applications.
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| 08/24/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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On XX/XX/22 I received a fraud notification via text message from XXXX bank who provided the XXXX XXXX credit card at the time. I responded within 1 minute to confirm that the purchases being made were fraud. Within a couple of days I followed up with a phone call to reiterate the purchase was fraud. Based on the emails I had received, it was clear that someone gained access to my o line XXXX XXXX account where my card was saved. I was receiving email confirmations for 4 orders where one was mistakenly shipped to me and the 3 others were sent to another name and address. I was told by XXXX that they marked the purchase as fraud and they would not ship. They did in fact ship.
I then opened a fraud claim with XXXX and received a letter confirming my claim on XX/XX/22. XXXX, XXXX XXXX transferred their credit services from XXXX to Barclays and when doing so did not transfer my fraud claim. In late XXXX, Barclays then began billing me for the outstanding balance. I spoke with a number of people in late XXXX at Barclays who kept asking me to prove it was fraud. I then escalated to a manager who told me I was not the only customer who was experiencing this situation ( fraud where the claim was not transferred ), and that I would receive a call back. I never did. I have called multiple times since and most recently successfully opened a fraud case with Barclays as by now, they had reported my account as late to the credit bureaus. I asked for something in writing confirming the fraud case had been opened and they said I would receive something via mail. I have not. They have a credit for the fraud charges on my account but not for the accumulated late fees which they continue to contact me to collect. This entire experience has affected my credit score and been poorly handled by all companies involved- XXXX XXXX, XXXX and Barclays. I have yet to see full resolution 3 months later.
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| 05/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I am in the process of obtaining a mortgage loan and am trying to remove 2 items with Barclay Bank that are reporting as delinquent, despite the fact that they have been paid in full since XX/XX/XXXX. I need to resolve this as quickly as possible as my closing date is set for XX/XX/XXXX and we need to lock my mortgage rate 15 days prior. I have been trying to resolve this issue for the past few months. I had 2 credit cards with Barclay Bank that went into delinquent status in XXXX and were turned over to debt collection agency XXXX XXXX XXXX. On XX/XX/XXXX I paid the full balance due on both accounts to XXXX and have a letter of receipt for both provided by XXXX. ( attached ) XX/XX/XXXX, I called XXXX to find out why it had n't reported to the credit bureaus and was told I would have to resolve this with Barclay bank directly. I was given very explicit instructions to speak with a supervisor to get this information. After several attempts, I was told there was nothing they could do that it was my responsibility to dispute it. My mortgage lender has been assisting in the process of getting this removed, speaking directly to Barclays with no result, working through their credit reporting company and has mailed dispute letters ( attached ) on my behalf to the credit bureaus. In a last ditch effort, today ( XX/XX/XXXX ) he mailed the letters and receipts to the credit bureaus after getting no result to date and suggested that I file a complaint with CFPB. Barclays has been unwilling to accept my authorization to reach out to the credit bureaus to update my information and has been unable to provide any help on this matter. Barclay has been unwilling to help resolve this matter and it is wrong. It has now been nearly three and a half months since I paid this debt. I need to get this removed as soon as possible so that my home loan can move through at a reasonable interest rate.
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| 05/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Older American |
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Concerning Barclay Credit Card XXXXXXXX XXXX XXXX XXXXXXXX DE XXXX. XX/XX/XXXX unknown person gained access via internet to my Barclay credit card account and requested a cash advance of {$6500.00} to be deposited to a checking account at XXXX XXXX. Barclays was informed at that time and a fraud investigation was started. Card was closed. In XXXX the charge was still on my account so another fraud investigation was opened, second card closed. XX/XX/XXXX I was informed the investigation was still open and to wait. XX/XX/XXXX a letter was sent to my home stating the investigation had been closed because I confirmed it was my transaction. I never talked to Barclays nor did I tell them it was my transaction. I was not at my home when the letter came. In XXXX I again called about the charge and another fraud investigation was opened. At that time I notified and filed reports with XXXX, my local police department, the FTC.gov, and IC3.gov. and sent another letter to Barclays. XX/XX/XXXX XXXX sent my fraud packet to Barclays. On XX/XX/XXXX XXXX and I called Barclays fraud investigator XXXX # XXXX and he assured us that the case would be escalated and there would be an update 7-10 business days. XXXX and I called again on XX/XX/XXXX and fraud department said investigation had not been completed. A supervisor said he would call me back within 10 minutes with an update, he did not. This charge has been on my account for nearly 9 months with no resolution. In XXXX I was told 90 days or two billing cycles and the charge would be removed. I have written letters, called repeatedly, have not been able to use this card, high rate interest is accruing, and my credit score has gone from excellent to poor. I refuse to pay this because it was theft from someone I do not know. Please help me. Barclays is doing nothing. I can send any information you may need concerning this matter. Thank you.
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| 09/19/2015 |
Yes |
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Web |
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On XXXX/XXXX/15, we received our credit card statement for an annual fee. We had no other balance on the card. I contacted the company on that date and told them that we 'd been customers for years with solid credit and that I would like the annual fee removed. The Agent agreed immediately and said he would remove the fee permanently and that it would take 5 days to show up as deleted on our online account. On XXXX/XXXX/15, the charge was still listed on our online account and I called and spoke to another person ( I have all the badge numbers for those I spoke to ). This person apologized and said that it really would take 7 to 10 days from the original conversation to be removed but that our account was showing that the fee was removed permanently. 10 business days from XXXX would have been XXXX at the latest. On XXXX, 1 day before the payment of the annual fee was due, it was still showing up on our online account. I called to cancel the card completely. The person I spoke with said that the annual fee was part of my signed agreement. I asked her if she was implying that I was in breach of contract and she responded that she had n't said anything of the sort. She said my account was showing that there was no annual fee but that she would need to contact her technical support people to check our online account. I told her I thought that XXXX was hoping I would pay the annual fee prior to the due date to avoid penalties and the such. I told her I would not cancel the card if she sent me an email saying that my account was changed to a no annual fee account. She refused. She said I needed to fill out the 'Contact Form ' on their website which I 'm certain says they have 48 or 72 hours to reply. Any answer would have been beyond the due date. I cancelled the card at that time and received a cancellation code. It is unfortunate XXXX found it necessary to play games with me.
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| 01/19/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Servicemember |
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On XX/XX/XXXX, multiple charges were attempted on my Barclaycard, several from merchant showing as XXXX. I was notified via text by the credit card company to call to confirm. I called in and advised an agent the charges were fraudulent. My card was closed, I was issued another one with a new number. The transactions never posted to my account. That is until XX/XX/XXXX, when I noticed that a charge from XXXX appeared on my acct for {$580.00}. I clicked on a button that said " dispute charge '' multiple times as there was no indication or confirmation that the claim was filed. The screen just returned to my account. I assumed I would receive notification that the claim was filed in the mail.
Today, XX/XX/XXXX, I received a letter stating that a provisional credit had been placed on my acct previously for the full disputed amount for the transaction. It also stated the transaction was deemed valid based on merchant information provided and the provisional credit was removed.
1. This is not an authorized charge. I have never made a purchase with XXXX. Multiple charges of varying amounts were attempted by XXXX on XXXX, all of which were disputed when called in. According to an agent I just spoke with, the others were " approved '' as valid claims, the one listed above was not.
2. I was never provided a provisional credit, although the letter says I did and that it was reversed. I was never charged on XXXX, or on any subsequent date until XX/XX/XXXX for the {$580.00} purchase. When I asked the agent why I received an inaccurate letter, she stated that it was a general letter that applies to " most claims '' but acknowledged that it did not apply to my claim, as I was never provided a provisional credit nor did the transaction post.
I've asked to receive the merchant documentation and to have the claim reviewed again. I'm currently pending the results of both requests.
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| 08/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Older American |
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I was offered XXXX points to open a Wyndham XXXX XXXX XXXX ( backed by Barclays Bank ) at a timeshare presentation through XXXX XXXX in XXXX XXXX Nevada. I completed all the financial requirements within the timelines given. After waiting the amount of time necessary, for the points to appear and seeing nothing, I contacted customer service. I spoke to them for several hours over 3 or 4 calls and they could not figure out how to link my credit card to an account. Finally, someone gave me a new account number and the card was linked. I waited again and finally called asking when my points would be available for use. I was told they would not give me points as that wasn't the agreement when the card was applied for. Knowing that wasn't true, I asked for a copy of my contract, and a phone number of their legal department. What I received was a call from a relations manager. This person said they would e mail my contract and the phone number ( they haven't and it has been about 3-4 weeks now ), They also said they would look into the agreement through XXXX, where it was applied for, and award XXXX points until the issue was resolved. Today I received a letter saying they are " unable to assist me with the rewards issue '' and to call for further information. I did. The same thing was said, that my contract didn't say spend {$1000.00} in three months for XXXX points. ( this is the same promotion they are still running ) I again asked for a copy of my contract and the phone number of the legal department. I asked that the same customer relations representative call me to explain the steps takes and why I haven't received what I asked for and what I was promised if I changed cards. I specifically applied for this card because of the promotion, and I believe Barclays/Wyndham are in breach of contract. I am waiting for the second phone call as they have 48 hours to respond again.
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| 01/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
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I called Barclays earlier this month to at least, change the credit card from Wyndham to a different card they offer like XXXX XXXX XXXX or the XXXX XXXX XXXX they offered, but was told no my the representative. This contradicts what I was told by XXXX XXXX in early XXXX, when this all started.
I asked, at least, if im stuck with a credit card I was lied about apply for, could I change it to some other credit card barclays offers. I was told yes to some degree.
Then I recieve ANOTHER response today, of Barclays telling me that I'm XXXX because I already added a bill to said credit card, so I clearly didn't want it removed and would not honor my request.
The only reason I gave up on even getting the card removed ( by barclays, on their end, not by me ) because I was told by reps that wasn't possible. THEN i tried to make it better for my whole situation by at least using the line of credit to help my own score by adding a small bill to pay off every month.
Only for this to some how be used as evidence for all the more reason for mt complaint to be ignored.
My complaint is now, that customer service will lie to you. That people from the " Office of the President '' will ignore your emails and also lie to you, and then use your responses to lies against you.
That timeshare reps will lie to you, and tell you, you need to sign these documents to prove that you will not come to Wyndham time shares anymore, and then pull your credit. Then tell people at the Offfice of the President that they actually don't say that, when I know several people who have had the same thing happen to them.
My boyfriend and I saved up a lot of money for a trip to XXXX. We got covid tests, isolated and were excited to go. We didn't expect to come home and a week later for our credit scores to plummet, and ruin ( his more than mine ) our chances at making any big purchases any time soon.
|
| 11/23/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
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Subject : Dispute fraudulent charge on a card closed for over 2 years and fix credit report ASAP Case details : a ) Card Issuer : BARCLAYS BANK DELAWARE b ) Account id : XXXX c ) Last 4 of card number : XXXX d ) Type of Card : XXXX XXXXr MasterCard e ) Card Closed on XXXX XX/XX/XXXX f ) Unauthorized charge details $ Amount : {$100.00} + late fees Merchant : XXXX XXXX date : XX/XX/XXXX ( after 2 years of closing the card ) g ) Reported to Barclays agent : XXXX. Barclays refused to give me a case number I need help urgently. I closed my Barclays card on XXXX XX/XX/XXXX. My account was in good standing and I have paid on time as you can see from my past record. As I was applying for home loan, I was told that there is late charge on my credit history and my credit score is down by XXXX points. Now I am not getting Home loan.
I am surprised that a card that was closed in XX/XX/XXXX can be charged in XX/XX/XXXX two year later by a merchant for a new transaction. This is a clear breach of trust and miss on Barclays fraud system. This was reported to card bureau as overdue by 30 59 days without giving me sufficient notice to dispute this charge. I also got repeated calls ( at inconvenient times ) from XXXX XXXX XXXX claiming to be calling for Barclays.
This has negatively impacted me and my family and created mental and emotional stress. I request you to a ) Please help close my Barclays Account and all cards associated with it I thought I already did this. Please ensure no merchant can charge my CLOSED card.
b ) I request you to please get my record corrected with the Card Bureau ASAP I need my score back and have to cancel my home buying plans c ) I would also request compensation for the stress and challenges it has created for me.
d ) I would also like you to fix the Bank system, which I am sure has impacted other customers and will continue to impact more in future.
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| 05/20/2018 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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I was on vacation through my current time share company, XXXX. I was recruited by XXXX for a sales seminar for another " higher '' timeshare that was for the parent company, XXXX, of what I already have, XXXX. First, we were scolded that we did not " check-in '' at the " help '' desk until 3 days into our trip. Now I know that those 3 days are 3 days that they have to keep us from looking at the paperwork. I was lead to believe that I was just getting a " deluxe '' program of what I have now. I NOW realize that I have a MORTGAGE with ANNUAL maintenance fees close to {$1000.00} and also MONTHLY fees of almost {$100.00}! My boyfriend was present and he was unaware that they just sold us a MORTGAGE!!! So it was not me no hearing them. We were there for about 4 hours. At the very last 20 minutes, we were put into a different room with another person who put all of these pages in front of me at a rapid pace to sign because she had to be somewhere with her daughter. I was NEVER told that I was BUYING a piece of PROPERTY! I was really misled. The next day I called the man who had taken us to the sales seminar, XXXX, to ask him about the paperwork and mortgage and he said he would talk to us in " 30 days ''. I do not understand what is the importance is of " 30 days '' and why he would not talk to us just 24 hours after spending 4 hours with us the day before! XXXX had asked me if we wanted to see this place and we thought it was just another time share and said no. He SHOULD have said " YOU JUST BOUGHT THIS PROPERTY/ MORTGAGE AND SHOULD LOOK AT WHAT YOU BOUGHT! '' But, he did not. If he did, I would have known I was scammed. I tried to call XXXXXXXX XXXX XX/XX/XXXX to discuss cancelling my contract but the office was closed when I called at XXXX XXXX. Looking back, it was a total card trick. I just want my XXXX back. XXXX salesmen are unethical. I just want out of the contract.
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| 12/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I applied for this credit card to receive {$200.00} cash back after spending {$500.00} in the first XXXX XXXX. They did not send me a billing statement at the end of the XXXX. This is a brand new card or I would know when it was due to be paid. ( in addition, I was out of commission a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so I really didn't notice how much time went by since I first used the card ) I only found out when I went to use it and my purchase was declined.
I immediately, after completing my purchase with another card, called the number on the back of the credit card. I believe this was XX/XX/XXXX. It was an automated number and after finally getting it to transfer me to a live person I was disconnected. Not once, but XXXX times I tried to speak to someone. Next, I tried the social media way of getting their attention. They responded and said to message them. I did and they said they forwarded my complaint to the appropriate department. I have XXXX confidence in that promise and it has been a XXXX already with no word. I did find out they sent the bill to my email account. I do not have a working computer, my wi-fi is abysmal, and I rarely even look at my email anyway. Especially if I seemingly have no reason to. So, now the payment is late. I refuse to pay a late fee because they can't be bothered spending XXXX cents on a stamp, also, I want my {$200.00} sign on bonus. I have approximately an XXXX XXXX XXXX and I am extremely concerned this company is going to destroy it. When this is resolved you can be assured this card will be cut up and never be doing business with them again. I have plenty of other credit cards to use that don't give me such problems and no debt. I mean, who doesn't mail you a bill? Especially a card solicited to a senior age group. I can't help but think this is a banking scam. Thank you in advance for your help in resolving this problem.
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| 07/09/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Servicemember |
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Barclaycard contacted us in XX/XX/XXXX about 3 suspicious charges in XXXX, TX on the XX/XX/XXXX & XX/XX/XXXX while my husband & I were both in our town of residence in MD ; which we each have charges at local retailers proving we were in fact in Maryland at the time. They cancelled my husband 's card, reissued a new card, and opened a fraud case.
I followed up multiple times via phone for a year following the incident as well as a written message on XX/XX/XXXX. I checked each new monthly statement for a credit of the charges but still have not been credited as of XX/XX/XXXX. Representatives would simply repeat that we are not responsible for any fraudulent charges and that the charges would NOT be credited back to our account until the case was closed and it could take 60-90 days. I was reassured it was being handled every time I called but now almost 3 years later it is still not resolved. In addition to never being resolved, the fraud department representative can not access the records more than 12 months back and now I'm told I must submit in writing to open another case and provide all the original documentation. Basically, I'm starting all over but via mail/fax rather than over the phone. The account reps I've spoken with over the last 2 days are not able to see the 3 charges in dispute but the balances they show match the ones on my statements that do include those charges still. It seems like maybe they erased the charges but forgot to credit the newly issued card.
At this point, I'm not sure what else to do. I am getting nowhere with the company. I am trying to pay the account in full and close it but certainly do not feel I should pay the fraudulent charges or any interest that has accrued over 3 years. Nobody returns calls or updates us with any progress of what is happening. Are there any resources to help me in getting the company to complete my case?
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| 05/31/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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Hello, I am contacting you about my Barclays XXXX XXXX XXXX. I think it is safe to say that they assume that customers are not capable of calculating what their interest rate is or how it is applied. They have been fudging the numbers on my account for a very long time by adding hundreds of dollars to the opening balance each month so that it is always different from the balance carried over after payment the previous month. For example for a balance of {$500.00} ending the month of XX/XX/XXXX with no other purchases they will make the opening balance {$590.00} plus the new interest charges for the month of XX/XX/XXXX. The interest charge is also doubled to twice the amount it should be. Each time you contact them they send a cut and paste response that does not address the thievery. You can never continue a conversation started because there is no way to reply. Instead the top of each of their replies start with " This incident can not be reopened or updated. If you need further assistance, please submit a new question by clicking the Ask A Question tab. '' The last reply I got onXX/XX/XXXX from them attempted to lie and explain the fraudulent interest calculation with an open sentence that they did not even bother to finish. " At this time we would like to confirm your interest charge is calculated using the average daily balance for the entire billing cycle and includes new purchases, it is not based on the beginning balance. The amount of XXXX showing on your statement under the 'Interest Charge Calculation ' section is the average daily balance for your '' I believe it is easier for them to steal from people with larger balances so they do so with reckless abandon leaving the consumer deeper and deeper in debt for the greed of inept corrupt government. Ending balances, payment made and statement information available if and when needed. Please assist. Thank you.
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| 04/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Delay in processing application
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Web |
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Back in XX/XX/XXXX I applied for a XXXX XXXX mastercard promotion issued by Barclays.
Since XXXX Barclays has been sending me letters requesting personal documentation such as identification, utilities documentation to validate my address and copy of my social security card.
I sent the documentation in XX/XX/XXXX within the time frame requested.
After more than 60 days of not receiving any communication with Barclays I called them and asked about the status of my application.
An employee request me to send evidence of address since for some reason they didnt accepted the one u already sent.
Which was a utility bill.
They didnt explain me why.
XXXX I sent by fax and mail ( both ) my checking account statement showing my physical address.
Two pass and I received a letter notifying me that my application still incomplete and that they need me to call their security department. Which I did.
XXXXAnother employee told me that my application was completed and that it was approved for a XXXX credit line that they will mail me the card.
The card did come. But I did receive another letter requesting me to call Barclays ( for a 4th time ) I called today and the employee name XXXX ( no last name they are not allowed to disclose their information ) asked me for my full name, address, birthdate, complete social security number, phone number, application number and he couldnt find my record. He stated that this was because my application was 90 plus days due.
That I will have to applied again.
So, my question to him was why am I holding a letter dated XX/XX/XXXX requesting me to complete information on my application is that application no longer exist in your system.
I have sent this documentation twice. I have called more than 5 times. I waited months.
And there was no answer from them.
It seems that they do not want to honor their XXXX XXXX offer or its a scam.
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| 05/21/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
Servicemember |
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I am an XXXX XXXX military member, and like numerous others who have recently submitted complaints on CFPB against Barclays, I too signed up for Barclay 's Luxury Gold Card having been promised waived annual fees ( {$990.00 } ) and 0 % APR for as long as I maintain XXXX XXXX status. I became a member in the beginning of XXXX XXXX and had no issues obtaining the military benefits. However, by XXXX , I had heard rumors of policy changes, specifically that these benefits would no longer be offered to new card members. After investigating this further, I was assured that this would only affect new card applicants, and that current cardholders would essentially be grandfathered into the original agreement. A couple of months ago, I received the same letter than many others on here have received, detailing another policy change where the annual fee would no longer be honored. According to the letter, I will owe the annual fee of {$990.00} starting this XXXX , while I will continue to have 0 % APR for the duration of my XXXX XXXX service. I called Barclays to try to resolve this without any success. My issue with Barclays is n't the annual fee itself, it 's their blatant disregard for business ethics, violation of good will, and their unwillingness to make amends. I would not have signed up for this credit card as the annual fee far outweighs any of the benefits I would normally be able to use. I signed up because the offer was honestly a good deal. But with this drastic reversal in policy, this seems very much like a bait and switch. If I cancel the card, which I will most likely end up doing, I will still have a hard pull on my credit report to the detriment of my credit because of Barclay 's irresponsible methods. Barclays should revisit this policy and honor the agreement they promised current card holders when they signed up for this c ard.
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| 11/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On XX/XX/2022 - I sent a communication through the Postal Office, which was received by your company on XX/XX/XXXX indicating the incorrect information being reported by your company.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( XXXX ) such amount of punitive damages as the court may allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
A charge-off is a canceled debt - and according to the IRS Publication XXXX a write-off is Gross income to me, and there's no way for you to allow income on my credit report.
I was denied as result a {$31000.00} Auto extension of credit for my household use, and this has resulted in great harm to my family.
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| 01/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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Hi, I applied for a Jet Blue credit card with Barclay and was declined because my federal student loans currently have no monthly payment on my credit report since the Federal government paused payments during COVID. Since my federal student loans are reporting on my credit report with a $ 0 monthly payment, Barclay is making up a number based on my federal student loan balance which is an incorrect monthly payment. I've asked Barclay if I could send them the paper work from my federal student loan servicer so they can see my actual monthly payment with be {$810.00} a month because I'm on IBR. Barclay will not allow me to send any paper work and will only work off my credit report with the $ 0 monthly payment and they then make up the monthly payment based on a calculation. My only option at this point is to now wait until the federal payment pause is lifted and my federal student loan servicer starts reporting my real monthly payment again of {$810.00}. So in short, Barclay 's policy is discriminatory towards borrowers with federal student loans on a payment pause. Which goes against the purpose of the payment pause. Basically, because of the payment pause I'm being declined. As soon as the payment pause stops, I will be approved because Barclay will then use my real monthly payment based on the credit report. This is extremely unfair treatment. I can't understand why Barclay won't allow someone to prove their real payment and only make up a payment based on loan balance. I've worked in lending for almost 20 years and if the payment on the credit report is reporting as {$0.00}, the lender should allow the applicant a chance to prove the real payment. Even more so now because an applicant shouldn't be penalized because of the federal payment freeze on student loans. Who know how many other applicants with student loans have been harmed by Barclays policy.
Thanks!
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| 06/28/2016 |
Yes |
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Web |
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I have XXXX AAdvantage credit card through Barclaycard. XXXX of these accounts had benefit program which I paid an annual fee for of companion tickets for a cheaper price, the process for taking advantage of the program was you were mailed a voucher, that you then needed to call in to take advantage of being mindful of the blackout dates. I have no record of receiving the voucher in 2015, so was not mindful of the benefit until I was planning a trip this summer and remembered the program. I contacted customer service and asked were the vouchers mailed out to me, I did not receive them and was advised first to double check that I did not, if so, I could contact the service center and next steps would be taken? I called back another representative said nothing could be done, I asked to file a complaint - the complaint # 's are XXXX and XXXX. The representative said that I may or may not get a response - so I am using this process to ensure I will. Several issues, Barclay 's sends marketing material and posts information when I log onto the website on balance transfers, on other products - but no mention of how to execute on this benefit, no reminder e-mails to take advantage of it, no reminder that it was even close to expiring when it was - that is assuming it was even mailed. They marketing this benefit but made it difficult to take advantage of ... ... I request the benefit, allowing me time to take advantage of it for this cycle, my understanding the benefit has expired for my account, or I would need to pay a higher fee or if that does not work I request a refund of the annual fee for the period of time I did not take advantage of it for both accounts. A factor to consider is if other consumers with this product did not take advantage of this benefit % that paid the fee but did not use the benefit, a question as to why should be considered by this agency ... ..
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| 06/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Someone used my credit card without my authorization, They changed all my information on my account without my authorization. This credit card company states that the only person who can change information on my account is me- therefore Barclays of Delaware allowed someone to change all my personal information on my account- causing me to be locked out my own account. This is a breach in their privacy policy act and now this company wants me to pay for their mistake. My card was used without my knowledge or conssent and this company talks so rude when I called to report it. This company made me feel like I DID SOMETHING WRONG FOR STOPPING IT. Now this company has tottally messed up my credit report and put this account as a chargeoff now its on my credit report. I have sent in numerous letters asking for validation, and alot more things but this company just states the debt is mine along with the 3 major credit reporting agencies. I HAVE REACHED OUT TO IDENTITY FRAUD.GOV, AND NOW YOU AGAIN. Just because I am a foreigner to this country- I GET TREATED SECOND HAND AND LIKE A LIAR. This credit card company has every phone conversation and I asked them to play back all phone conversations relating to this Identity fraud phone call and tey tell me that can not do that. Only because they are in the wrong with this and this company breached my rights and my Privacy and it can be determined in that phone conversation. I HAVE ALWAYS PAID MY BILLS ON TIME AND THEY KNOW THIS -- MY PAYMENT HISTORY WITH THIS COMPANY SPEAKS VOLUME AND I CAN NOT BELIEVE I AM GOING THROUGH THIS WHEN IT IS CLEARLY NOT MY FAULT AND ALL CHARGES WAS UNAUTHORIZED -ESPECIALLY ME GETTING LOCKED OUT MY OWN ACCOUNT. COMPANIES SHOULD NOT BE ALLOW TO DO THIS ANF GET AWAY WITH THIS. Also, I have XXXX and they told me that my account and my personal information had been changed not Barclays Bank of Delaware.
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| 05/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I have been locked out of my online about for two months. There is a restriction put on the account for reasons that the company somehow is not able to tell me. I've called nearly every day for well over a month but every time I call and put it in my information I hear an automated message that says " Due to unforeseen circumstances we are unable to assist you '' and then the line hangs up. After calling for well over a month I finally was able to bypass this message by NOT inputting my information ( making me believe there is a note on my account to reject my calls when my information is put in ). After waiting on hold for a few hours, I finally speak to someone and attempt to get my issue resolved. I am promptly told I need to speak to a different department who is " not in '' even though I call well within their business hours. After many difficulties, I am finally able to speak to someone who tells me I MUST fax over essentially my identity to get the restriction lifted. I do so within minutes of hanging up. I never hear back. I call again, bypass the message and speak to someone. After even more difficulties and threatening to file another complaint with the XXXX, I am finally told the issue is resolved and the restriction will be lifted within 48 hours. It has now been four days since I was told this but I am still UNABLE to log in. I have now missed two payments ( nearing on three ) because I am unable to access my account and pay my bill. I attempted to pay over the phone but was told I am not allowed because of the restrictions. I am being charged interest every month and my credit score is taking a hit with every missed payment ( I have NEVER missed a payment on any account before this ). I have tried every avenue of getting this issue resolved and it seems that Barclay 's simply refuses to lift the restrictions on my account. I need this resolved ASAP.
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| 01/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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An account was opened and closed the same day with Barclays Bank XXXX. But an order for an XXXX computer went through the next day. The company sent the bill to the wrong address, the unlisted/unregistered house address instead of the XXXX. XXXX given. They started calling my work so much that the secretary said stop calling. She later notified me and I checked my credit report. It was on there as a negative late. I called and they argued asking if I purchased the computer. When I demanded they remove the late for or I would not pay, they said no problem. I asked for a letter payment date because of my job, the XXXX and they said okay. The next month the late fee was still there. I called. They said they changed it but I had to file a complaint with the credit reporting agencys and they would remove it. It was just a ploy to get me to admit to having purchased the product. I filed but then my mortgage broker said remove the dispute. So I did to find another late on the credit report. I called them and again they said they had removed it and the fees. They did remove the fees to my account but Only one late mark on my credit report! One late mark remains even though they credited my account and said they would fix it all. I have spoke with several representatives, the last was XXXX, who all but one stated they had been and would remove the late marks, it just takes time for the credit bearues to update the information. Yet, they still have not been removed. I recently resubmitted as XXXX stayed to do so that it would be sure to come off and be updated.
Yet, the results were verified and updated, which is not removed. They also lowered my XXXX account with them due to the credit score changed by them. It is the only late mark on my 25+ years in the system! Honestly, the worst company I have ever dealt with in my life. They are crooks that will weasel every dollar!
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| 04/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
Older American, Servicemember |
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In XXXX I sign up for a credit card from Barclays Bank. I thought there was no annual fee but apparently there was no annual fee in the first year but there was in each year thereafter. I made a few purchases on the card in XXXX and paid them when they became due.
In early XX/XX/XXXX I received a statement dated XX/XX/XXXX advising me that I was to be billed next month for an annual fee of {$99.00}. The statement went on to state : " You may choose to call us at XXXX within 45 days of receipt of this notification to discuss alternative products that may be available or to close your account so that the fee will not be billed. '' My wife and I each thought the other had called to cancel the card but when I received a download into my accounting software of an annual fee charge I realized that the account had not been cancelled. I immediately called the number on the statement and asked to cancel the account. The call was made on XX/XX/XXXX at XXXX XXXX XXXX and I spoke to XXXX. After checking with his supervisor, XXXX advised me that I would have to pay the annual fee and that the bank would mail me a check to refund the fee within 60 days. I pointed out that the bank 's own notice said that if I called within 45 days ( I called within 32 days ) that " the fee would not be billed ''. In response I was told that since the fee was already on the XXXX statement, I would have to pay it and that the bank could not reverse the charge. In addition the bank advised that if I didn't pay the charge by the due date I would be assessed a late fee and interest. Since the bank will not honor its own written notice, I have no confidence that if I pay the annual fee that I will receive a refund based on an oral promise made over the phone. Also, loaning the bank {$99.00} for two months is not fair since they promised to not assess the fee if I called within 45 days which I did.
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| 11/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Older American |
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My Barclay XXXX XXXX credit card account ( XXXX ) was opened in XX/XX/2021. Since the opening the account, I did not receive any paper monthly statements or any paperless monthly statements ( i.e. email notification ) from Barclays Bank since XX/XX/2021. The only notification from the bank was a text message on or around XX/XX/2021 regarding the account. I immediately contacted the bank and was informed of the past due balance in the amount of {$49.00}, including late fee of {$39.00}. I immediately sent in the full payment in the amount of {$49.00}. The payment was posted on XX/XX/2021.
Since Barclay did not provide any paper or paperless statements ( e-notification ) for the period from XX/XX/2021 to XX/XX/2021, I did not received proper notice of the amount due and the payment due dates. When Barclays reported that my account status was " delinquent and past due for 30 days '', such reporting was inaccurate. Had I received proper paper or paperless statements, I would have paid the outstanding balance before the due date. Based on the fact that no paperless statement was sent to notify me of the balance due date, the negative information reported to the credit reporting bureaus is incomplete and unverifiable information.
I believe that it is unethical for Barclays Bank to report such negative information when the bank mistakenly did not send me any paper or paperless statements, to properly notify me of the outstanding balance and the due date.
I have excellent payment record for the last 40 years. I always paid my balances on time, as long as paper statements or e-notifications are properly sent to me. Such negative information from Barclay is detrimental to my credit rating, with a substantial credit score drop of XXXX points, from XXXX to XXXX currently.
Your prompt attention to resolve this matter is greatly appreciated.
Best regards, XXXX XXXX
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| 03/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/2022 I attended an event said to be a XXXX XXXX XXXX meeting in XXXX XXXX. If my memory serves me correctly, it was a property resort owned by Wyndham. I along with my girlfriend attended this meeting that was promised not to be a timeshare, but XXXX XXXX. During the process, I placed a {$50.00} deposit using my regions bankcard that somehow was never charged. I was firm about the amount of {$50.00} and never gave permission for a fraudulent charge of {$4600.00} to a Barclays Wyndham Reward credit card. I was told that my credit score automatically got me approved for a card. i was never told or explained to that the company was not accepting my original {$50.00} payment, I was not informed or aware nor did i agree with any other amount or balance being transferred to a credit card that i did not apply for but was told that i was awarded a card. The representatives acted in an unethical manner and scammed my information. On XX/XX/2022, my girlfriend and I completed a rescission on the contact. On XX/XX/2022, I received notification from employee XXXX XXXX that the rescission was approved. Her company 's email address is XXXX. However, we have been contacted by another representative who had us to forward all of the information to him to assist us with another complaint stating that the rescission never happened. We are not responsible for the incompetent or malicious acts of unethical employees. We have been getting the runaround. The salespeople acted unethically and committed fraud. They used dishonest tactics and manipulation trying to force a scam. A call was also made to the credit card company to report credit card fraud. The company is withdrawing the monthly payment from the regions bankcard which on a {$50.00} down payment was authorized, but put the unauthorized balance on their credit card which is being done fraudulently and part of a scam.
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| 09/21/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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Our XXXX business account was accessed by someone unknown to us on XX/XX/23. At this point our permissions were removed from editing the credit card information or removing it from the account. The unknown, unauthorized user then used our stored credit card information to run advertisements directed to their businesses and websites.
We reached out to XXXX as soon as we discovered the issue - that same day that the unknown, unauthorized user gained access.
When we reached out we were told that the charges would be flagged as fraud but that was the only way to dispute it through our credit card.
We have previously done business with the merchant, XXXX, but in these cases the services were purchased by the unknown, unauthorized users, not us. We did previous business with the merchant but these charges that were accrued by the unknown users were in no way authorized by us.
Our disputes with Barclay were not accepted because we previously did business with XXXX.
We have had extensive conversations with the XXXX support team where they have acknowledged that our accounts were in fact accessed by someone unknown and they were using our credit card that was tied to the account. It took XXXX almost a month to remove the unknown, unauthorized users from the account and return our access.They confirmed that someone else was in our account using our credit card information to purchase services.
We have been extremely proactive in trying to prevent further charges from day 1. We contacted the vendor first, then your team. We literally were stripped of any access to stop the charges from being made.
We provided extensive documentation and acknowledgement from XXXX to Barclays showing that these were in fact unauthorized charges by unknown, unauthroized users.
The dates these charges were incurred on our Barclays account were XXXX in the total amount of {$18000.00}
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| 03/18/2017 |
Yes |
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Web |
Older American |
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cc of complain to XXXX XXXX : Ref XXXX Acct XXXX XX/XX/XXXX rebilling of XX/XX/XXXX of {$730.00} Dear Sirs : I hereby request immediate removal of this charge. I found it on-line shortly after the original posting and repeatedly asked for documentation from XXXX XXXX, XXXX XXXX, XXXX, and XXXX and received positively no documentation or justification for the charges. The rental was prepaid and charged to my account long in advance of the trip. Additional charges were added to my account when I arrived to pick it up. No further charges were mentioned when I returned the car, despite the fact that I was within sight of their office for over an hour while cleaning the car and they inspected the car long before I left and did not mention any damage. During my repeated requests for documentation for the XX/XX/XXXX charges, I made it plain that the documents were needed if any damage was claimed, since my card includes a collision damage waiver to cover any damage. That documentation must be submitted within 90 days of the charge and XXXX has neglected to make any submission possible by their negligence and complete failure to provide documentation. I agree to no further charges and had already paid MUCH more for the rental than the advertised amount, including a number of hidden charges. The car was returned clean and in good order.
I have repeatedly telephoned XXXX customer service and have twice been told that illegible documentation appears on their screen and that I would receive it within 10 working days of the rebill. I have not and according to them, it is illegible anyway.
I think you will agree that this situation is completely unsatisfactory. Please immediately and permanently reverse the charge. I have made every good faith effort to resolve this situation. XXXX XXXX has not. My understanding is that federal law requires you to remove these charges.
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| 01/09/2016 |
Yes |
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Web |
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My credit card charged me interest but according to the statement I should not have paid interest. See below : Per my statement below is how the interest should be charged : Avoiding Interest on Purchases ( Grace Period ) : If you have both Purchase balances with an APR greater than 0 % and you also have other promotional balances on your Account, you can avoid paying interest on your Purchases by paying {$4700.00} ( this amount includes any Minimum Payment Due required to avoid a late fee ). Please refer to the " Accrual of Interest and How to Avoid Paying Interest on Purchases '' paragraph on the back of this Statement for further detail.
Per the back of my statement as reference above : B. If you have Purchase balances with an APR that is greater than 0 %, and you also have other types of promotional balances on your account, you still may be able to avoid paying interest on those balances without paying your Statement Balance in full. If this applies to your Account, you will see a Paragraph titled " Avoiding Interest on Purchases ( Grace Period ) '' appearing directly below the Interest Charge Calculation section on the front of this Statement. This will show the amount you can pay by the Payment Due Date and still avoid interest charges on your Purchase balances.
I followed these terms and paid the amount in full by the due date of XXXX/XXXX/15 but they still charged me {$65.00} interest. Their response to my inquiry was that since the balance was for a promotional offer that ended on XXXX/XXXX/15, there is no grace period and interest started accruing on XXXX/XXXX/15. If that is the case it should be clearly identified as due XXXX/XXXX/15 to avoid interest on the statement. The statement is misleading at best and they should not print this on the statement if it is incorrect. Had I known there was no grace period I would have paid by XXXX/XXXX/15.
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| 05/18/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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I 've been a customer of the Barclays XXXX XXXX Mastercard for 4 years ( opened XXXX / XXXX / XXXX ) and requested a lower interest rate on XXXX / XXXX / XXXX and XXXX / XXXX / XXXX , and have been denied both times with no explanation as to why my interest rate has continually been the highest. My first statement with them shows an interest rate of 24.99 %, however the advertised rates online are " 16.74 %, 20.74 % or 25.74 %, based on your creditworthiness. '' I requested a copy of my original agreement, but was told they can not send it to me. My current interest rate is 25.74 %. Currently, my balance is {$7500.00}. Every time I make a payment, interest is charged shortly after in almost the same amount as the payment ( i.e. Payment in XXXX of {$170.00} on XXXX , Interest Charged on XXXX of {$150.00} ; Payment in XXXX of {$200.00} on XXXX , Interest Charged on XXXX of {$170.00} ). I was laid off twice in XXXX , was unemployed from XXXX to XXXX , but still making payments, but the interest just killed whatever progress I was making on paying down the card. After calling to complain and threatening to close my account, I was told they periodically monitor my account for lower rates. The representative said there was a lower rate available to me of 24.74 %, so 1 % lower was all they could offer me after being a customer since XXXX . In addition, the benefits that were available when I signed up were discontinued, but I was still paying more in fees that when I star ted ( i.e. no more companion passes ).
There is no way I can get out of this debt!! This just seems like predatory lending. I get less benefits than when I started, my interest rate always goes up, never down, and I although my credit score a t the time of application was considered good ( XXXX range ), I was offered the highest interest rate they offer.
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| 02/20/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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I had a credit card with BARCLAYS BANK DELAWARE that charged off XX/XX/XXXX for an amount of {$2000.00}. I had some health issues which caused me to fall behind. I wanted to make a " settlement offer '' and try to get my credit card balance cleared up. Recently I contacted Barclays trying to find out if they would settle for half of the charge off balance, and they told that I would have to speak to an attorney it had been assigned to in order to settle for that amount. I called XXXX and XXXX and they gave me an amount of {$2900.00} which means I was charged an 69 % in interest and fees after they charged off the debt. I had moved to a different temporary location, and did not receive any additional statements after the account charged off. I requested the statements on XX/XX/XXXX and they had them sent to me, and it does show on the statements that they continued to charge interest on the balance that was charged off. I was advising XXXX XXXX that I was trying to pay the " debt the I owe '', but he said that they had set a court date for XX/XX/XXXX. First off, I am wondering how there is a court day and I have not received any info or been served for that matter, secondly if I contacted them trying to pay why are they trying to sue me, and third he said he sent something to me, but XXXX advised he had to update my address because he had the wrong address for me. So, if you sent me something and to the wrong address there would not be a way that I would contact if I have no knowledge of it. I think that the entire situation is deceptive and unfair on both parties BARCLAYS BANK DELAWARE and XXXX XXXX. I am more than willing to try and resolve this issue, but when I found out there were some questionable legal actions being taken and they did not contact me properly I wanted to report this and make sure that I am given a fair chance to settle this properly.
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| 05/24/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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My name is XXXX XXXX XXXX XXXX XXXX. I am writing because I was just made aware that my account was sent to the various credit agencies as a delinquent account. I would like to dispute this ERROR. I would like to first state that I was not even aware my account was sold to Barclays and thought my XXXX card was still with XXXX and kept trying to login to pay MY {$6.00} BALANCE but could not because of the switch. I even tried to reset my password thinking maybe I had the wrong password and did not get a reset password email. I am a working mother of XXXX children and the easiest way for me to pay my bills is online. I had my XXXX card set up for automatic payments back when I created my online account. When I saw that the {$6.00} was not being deducted from my bank account I decided to call customer support to make a payment over the phone. When I called I was made aware that my account was past due and that it was sent to the various credit agencies as a delinquent account. I have never been late or delinquent on my XXXX account and have impeccable credit. I have worked very hard to get my credit where it is only to be ruined by a {$6.00} charge. I was never contacted that I was delinquent nor did I receive any courtesy calls about this. I ask that this be corrected immediately and that it is taken off my credit as soon as possible as it is unfair! I was told by the customer service representative that I should write a letter to some po box and just wait for a review whenever they get to it.Unfortunately that does not work for me. I will not be held hostage until they get to it and drag their feet in correcting this or for them not to correct it. After some research I have found many other customers have had the same issues and so I decided to contact the CFPB so that others do not become victims of these unfair criminal practices.
Thank you, XXXX
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| 03/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Sent card you never applied for
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Web |
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The week of XXXX, XX/XX/XXXX I was in XXXX XXXX staying with friends at a Wyndham Resort. The staff talked us into attending a 90 minute timeshare during which our representative asked my husband and I for some financial information so that he could determine how many points we might be eligible to buy as well as what our down payment amount would be for the purchase of those points. The following week I received a Wyndham Rewards Visa credit card in the mail with a total credit line of {$19000.00} ( as well as a XXXX XXXXXXXX Line of Credit Account with a credit limit of {$10000.00} ). I was able to get both of these accounts closed immediately upon becoming aware that they had been opened in my name. I called to file a complaint with Wyndham and was transferred to 8 different phone numbers over the course of several days. When I was finally able to file a complaint ( case # XXXX ) I was told that it would be handled internally and I would not be made aware of the resolution. I never gave authorization to open either of these accounts. I have impeccable credit and now have a hard inquiry on my credit report ( when we were assured it would be a soft inquiry and only for purposes of determining our eligibility for purchasing timeshare points. I monitor my credit closely and have declined credit limit increases for cards/accounts I already own. I would never agree to opening up almost $ XXXX of available credit! When I searched consumer reviews of Wyndham there were hundreds of complaints all basically telling the same story I have and it seems nothing is being done. I have worked in XXXX XXXX for many years and this is fraud/misrepresentation and a UDAAP if I've ever seen one. Please help me and so many others get justice from Wyndham who seems to think being out of regulatory compliance is an acceptable way to conduct business.
Thank You for your time!
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| 12/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Older American |
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On XX/XX/2022 my wallet was pickpocketed at XXXX in XXXX, XXXX Thieves immediately used my Barclay Credit Card to make a {$500.00} purchase at said XXXX XXXX I notified Barclay of the theft that day by phone to XXXX in customer service. I received a Barclay letter dated XX/XX/2022, attached. Subsequently I received a new card that was activated on XX/XX/2022.
My XX/XX/2022 billing statement charged me for the {$500.00}. I called at XX/XX/2022 at XXXX, when customer service picked up they hung-up at XXXX. I called again and spoke with Relationship Manager XXXX XXXX her the XXXX Police case # XXXX. She transferred me to the Fraud Department at XXXX where I was again cut-off at XXXX. XXXX I called back speaking with XXXX in the Fraud Department , who informed me that the investigation was still on-going so the charge would not be removed until after they confirmed it was fraud. She insisted that I must pay the {$500.00} amount plus any interest or late charges due to that balance, even though it was still under investigation.
I know better : payment would mean that I accept the theft amount as a XXXX XXXX purchase.
XX/XX/2022 XXXX Police Department released their final report ( attached ).
My XX/XX/2022 certified letter to Barclay ( attached ) explaining the theft with a copy of the police report and other attachments was received XX/XX/2022.
My XX/XX/2022 billing statement still reflects the {$500.00} plus interest of {$11.00}.
Now Barclay is telephoning and emailing at least every other day claiming I am past due, that I owe these charges, etc.
XX/XX/2022 XXXX I spoke with XXXX, an Account Manager in the Debt Collection Department XXXX I explained the situation and asked for a contact number, name of a person, and address for Barclay Legal Department. He claimed there is no number ; no legal department.
Hence, I am writing to CFPB for assistance.
|
| 08/07/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
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|
Web |
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I attempted to dispute a charge with my credit card company ( Barclays ), where services were not rendered as expected. I was denied dispute rights.
Summary : On XX/XX/2019, I made a purchase using my Barclays Arrival credit card.
It was for {$320.00}, with a merchant called XXXX. XXXX is a global hotel booking service, owned by the publicly traded XXXX ( XXXX ).
Documents A, B, and C are the receipts for this transaction. My {$320.00} were to pay for a private suite in a XXXX hotel called XXXX XXXX. This suite was the hotel 's most expensive property.
Upon arrival at the hotel on XX/XX/2019, I learned the hotel received only 60 % of my payment. The merchant, XXXX, which contracted to book a private XXXX for {$320.00}, booked the hotel 's cheapest property instead, a bunk-bed in an 8-person dorm room.
Documents D and E were given to me by the XXXX XXXX hotel. They show the hotel received only 60 % of my {$320.00} ( XXXX Euros ) and attempted to get the remainder from merchant XXXX, to no avail.
I contacted the customer service department of merchant XXXX, attempting a good faith resolution. I requested a full refund of the transaction amount. The merchant refused, making smaller and unsatisfactory offers.
Documents F and G are emails from the merchant XXXX admitting clear culpability, claiming a " booking error '' on their end. They never explained why they refused to give the hotel the balance of my money. That remaining balance is still missing to this day.
Document H is my official charge dispute letter to BARCLAYS. I included all the above documentation in this initial complaint, and a follow-up one.
Document I is Barclays official refusal to decline this charge, or pursue action against XXXX. This, despite my providing them with evidence of services not rendered as expected, and two culpability admissions by the merchant XXXX.
|
| 08/21/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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|
Web |
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On XXXX XXXX XXXX, XXXX card closed the credit card I had. The card # is XXXX XXXX XXXX XXXX. The reason they said was because I tried to make a payment from an unauthorized account. The payment was returned and I have made payments from the correct account before and after this incident. The returned payment was made on XXXX XXXX, XXXX in the amount of {$XXXX}. The account unauthorized was an account in my name at the Federal Reserve in XXXX, account XXXX. I was told I could use these funds as they were in my name, but I was misguided and and made a mistake. What account I tied to use should not be relevant to the credit card company. That is between me and the account holder where I tried to make the payment from. I have pleaded with them to not close this account. I apologized for the mistake. I feel I am being treated unfairly because of this mistake I made. This is a case of disparate treatment. They do not close the accounts of other card holders for making the same mistake. I have been singled out and treated less favorably as a result of the mistaken unauthorized payment. My civil rights, Title VII of the US Civil Rights Act protects me and they need to treat me the same way they treat any consumer that makes a mistaken payment. Barclay 's has said they are closing all accounts who tried to make payments from the Fed. But they have admitted that they do not close accounts for other card holders who make mistaken payments from unauthorized accounts other than the Fed. Not fair treatment. A mistake is a mistake. There was no harm done as I paid a {$XXXX} returned payment fee. What is so special about my behavior and error in payment that gives them the right to close the account, while I was on vacation, when other consumers have made a similar error and not had their account closed? Barclays card customer service # is XXXX. Thank you, XXXX XXXX
|
| 10/21/2023 |
Yes |
- Credit card
- Store credit card
|
- Getting a credit card
- Card opened without my consent or knowledge
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|
Web |
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My saga with Barclays has been ongoing since XXXX of this year ( XXXX ). It is now XX/XX/. In XXXX, someone used my personal information to fraudulently apply for and open an Old Navyist Rewards Credit Card, and then proceeded to make 3 in-store purchases between XX/XX/XXXX and XX/XX/XXXX for an amount close to {$1000.00}. I called Barclays, who I guess services the Old Navcyist credit cards, to report the fraud. They gave me no information at that time about what information they needed from me in order to prove that this was fraud ; they simply told me they would investigate. They investigated, and determined it was indeed me who opened the account and made the charges. So I filed a police report, reported the fraud to the credit bureaus, and provided this information through the mail to Barclays. Barclays claimed never to have received the information I mailed to them. So, I faxed it to them. I also sent them copies of time- and location-stamped digital photos showing that I was not in the locations where the purchases were made on XX/XX/XXXX and XXXX. I did not have location services turned on on my phone at that time, so I'm not sure how else I can prove that it was not me. They have once again denied my fraud claim and are preparing to send my account to collections.
This is ridiculous and an insulting waste of my time. My credit history prior to this fraud shows a near-perfect record. I have never opened a rewards credit card of any sort, and though I have made purchases from Old Navy in the past, I have never made a retail clothing purchase for anywhere near the {$700.00} of one of the fraudulent charges that were made to the account. My credit was excellent for my entire adult life until this fraud, and I am outraged. I'm not sure what else I can do to prove that I am not responsible for this account. Hopefully this complaint will help.
|
| 05/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Older American |
|
I have sent Barclay Bank three certified letters ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all in XXXX ) that I disputed this account on my credit report. I have requested an investigation of this account and of any proof that this account is mine but they have ignored my letters and phone calls. More importantly they have refuse to include a posting of a Notice of Dispute to my XXXX credit report which is a requirement that needs to be placed no later than 30 days after being notified of the dispute. As of XX/XX/XXXX that has still not been done.
Per the FCRA : FCRA Section 623 ( b ) ( 1 ) provides than when a furnisher receives a notice of dispute regarding the completeness or accuracy of reported information from a CRA, the furnisher must conduct a reasonable investigation and review all relevant information provided by the CRA.
Duty to Provide Notice of Dispute. If a consumer disputes the completeness or accuracy of furnished information, the furnisher must provide a notice of the dispute to the CRAs when furnishing the disputed information. The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default.
Timing of Notice. The financial institution must provide the notice to the customer no later than 30 days after furnishing the negative information to a CRA.
Substantial Penalties for FCRA Violations Not complying with the FCRA can subject the furnisher to statutory damages of $ XXXX {$1000.00} per violation. The FCRA states that plaintiffs can also win punitive damages and recover attorney fees, these types of violations make appealing class-action targets.
Attached of my current ( XX/XX/XXXX ) XXXX credit report of the Barclay account. As you can see there is no Notice of Dispute even after seven months of disputing this account to the furnisher, Barclay Bank.
|
| 06/12/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
I initiated a balance transfer from a Barclays credit card onXX/XX/19 to payoff my XXXX credit card for {$2600.00}. I did a total of 3 balance transfers that day and the other two transfers to other credit cards went fine but after several weeks of waiting I called Barclays on XX/XX/19because the transfer did not show up in my XXXX account. After they reviewed my transfer request it was determined that I had a typo in the XXXX account number ( they only wanted the last four digits ) so Barclays started case # XXXX onXX/XX/19and said it would take a few weeks to resolve. I called back around XX/XX/2019and they said the case had not been resolved and it could take up to 30 days so I called back Barclays around XX/XX/2019 and they said they would escalate the case to the Settlement Department and to call back in 7 - 10 days. I called back onXX/XX/and spoke to a supervisor who said the case was still pending but they would escalate the case again and for me to call back in another 7 - 10 days and the case should be resolved. I called Barclays again onXX/XX/2019 and spoke with a supervisor XXXX - Operator XXXX who asked me to send copies of my XXXX statements to prove the balance transfer of {$2600.00} did not credit to my XXXX account as their settlement department said they received proof of payment but didn't provide any explanation or additional information. OnXX/XX/ I sent XXXX at Barclay 's my XXXX, XXXX, XXXX Statements from XXXX as well as a page of account activity throughXX/XX/19proving my account was not credited. I called again today XX/XX/19and the case is still pending and they still can not provide me any kind of an update at Barclays and said it would be another 7 - 10 days. Meanwhile I am making payments to both Barclays and XXXX. I notified Barclay 's that I have filed a complaint with the OCC, Colorado Attorney General and CFPB.
|
| 10/31/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I joined an XXXX business on XX/XX/2017, I have put on this card many charges from " XXXX '' from the initial sign up to many coaching programs. and other fees involved. On XX/XX/2017 I used my BARCLAYS card to purchase a XXXX program. The purchase was split between BARCLAYS card and another CC. The total was for {$25000.00}. I put down on this card $ {$10000.00} and {$3700.00} on XX/XX/2017. When I signed up for this program I was informed that I should be in contact with someone within 2 weeks to start my XXXX. I sent numerous support tickets and 3 phone calls and a few e-mails before I was finally contacted in XX/XX/XXXX and was suppose to start as soon as I got a XXXX. I only got in touch with my XXXX finally in XX/XX/XXXX. We had ONE XXXX call to finally connect and the call was DISCONNECTED and the XXXX never called me back. I tried several times to contact him, and others that that were involved in this process. I have attached all the information I sent to Barclays when I filed my dispute with them. I sent several e-mails to people in the company to find out what was going on and if I could not get this service I would like to cancel and get my money back. I never received and return call or e-mail from anyone all the way till XX/XX/2017. Other charges were for upgrading the level of the business, and monthly fees for other trainings that were offered with monthly subscriptions that were mailed home with cd trainings on how to improve your business. Well on XX/XX/2017 this company was shut down by the FTC. So now there is no way for me to ever get these services since the company was shut down for FRAUD. All the training sites were shut down we have no access to them any longer. I contacted Barclays and filed a disbute and they told me the charges would not be able to refund and the ones the they did were only a certain percentage.
|
| 03/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
Older American, Servicemember |
|
I signed up for the Jet Blue Credit Card on XX/XX/XXXX. At the time I signed up Jet Blue offered XXXX points with the stipulation I paid the annual fee, and charged the required amount within 90 days. At that time I purchased two round trip airline tickets to Florida. I paid the annual fee on XX/XX/XXXX and charged {$2300.00} to the card ( this is twice the required amount ) .on XX/XX/XXXX. This offer was made on line when I was about to charge the tickets to my visa account. It also was posted in the airline terminal and onboard JetBlue flights. I also received three emails advertising the points. The first was dated XX/XX/XXXX, the second was dated XX/XX/XXXX and the third was dated XX/XX/XXXX. The XXXX point offer was in effect before and after I signed up..Recently I received another email dated XX/XX/XXXX indicating the clock is ticking - be sure to earn your bonus points. I spoke with customer service at JetBlue and the representative stated that the information I provided was correct but they needed Barclays to authorize the points. I spoke wit Barclays customer service and they stated they would look into it. On XX/XX/XXXX I received a letter from Barclays stating " We're currently unable to assist you with your rewards issue ''. I contacted customer service and asked for a reason and they indicated that since I purchased tickets at the time I signed for the card they had the option to give the discount or the points. Nowhere was this offered and they advised it was their choice to do this. In checking my account I see that a XXXX XXXX bonus was applied instead of the XXXX advertised at the time of enrollment. I believe this is very unfair to be treated this way and hope you can help with this issue. At first I believed this was an administrative error but after speaking with both JetBlue and Barclays it appears to be more than that.
|
| 05/21/2015 |
Yes |
|
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Web |
|
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I purchased XXXX airline tickets on XX/XX/XXXX at XXXX, i was paying for those tickets XXXX XXXX, the conversion rate on that day for XXXX US dollar was XXXX according to XXXX XXXX, the following day XX/XX/XXXX the rate for XXXX US Dollar was XXXX XXXX, when i got my statement in the mail I got a whole different picture, the credit card company postponed the transaction for almost a week making the transaction date for XX/XX/XXXX and the posting date for XX/XX/XXXX, the conversion rate on XX/XX/XXXX was XXXX XXXX for each US Dollar, this made the total charge to go up from {$2000.00} US Dollars to {$2500.00} US Dollars, I contacted the merchant addressing my concern about the date difference and they sent me in an email with all transaction information which clearly shows that the transaction was made on XXXX XXXX which supposed to making it post on XXXX XXXX, I contacted Barclay 's Bank and they instead of fixing the issue files a dispute against the merchant which I never asked, the merchant replied with evidence showing that I authorized this transaction which is true, in their evidence they show the authorization details and there it also says that the transaction was made on XXXX XXXX, Barclay 's Bank accepted the merchants rebuttal and returned the charge to my credit card, I wrote back to Barclays Bank explaining my problem that I am not disputing the merchant but requested the I should be refunded the difference of the XXXX rates which comes out to about {$450.00} US Dollars, they denied my request saying that they ca n't further assist me with this issue, I called up Barclays Bank and they said there is nothing I can do to fix this issue and they refused to refund me the difference between the XXXX amounts.
I paid for the transaction because I did n't want to hurt my credit history, I never agreed to the full amount of the payment.
|
| 02/22/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
I have been experiencing the effects of identity theft since 2015 when my wallet was stolen, along with my social security card, and license, and credit cards. All my personal information essentially.
I noticed on my credit report recently an account " XXXX Delaware '' It shows that XXXX is due. This is not my credit card, i have not ever applied for a Barclay Credit card, nor did i even notice this account was on my reports. To top that off, it has now shown as derogatory " Charge Off ''. I tried to call XXXX Several times, i even advised them the last 3 times i have called that there is a mistake. This is not my credit card, i have not ever applied for a credit card with their company and that this was opened fraudulently. I advised them i want this removed immediately, as i have already reported this in my FTC Report as identity theft.
The rep on the phone at Barclay customer service said she would transfer me to the fraud department, that there is nothing she can do. So she transferred me and i was on hold for another 10 minutes. The fraud rep comes on the phone verifies my name, social security number. Then says please hold i need to transfer you i can not assist you with this account. I advised the rep that this is what i am calling about THIS IS NOT MY ACCOUNT. I told her i have been experiencing identity theft and have proof that this is not mine, and then proceeded to even tell her i will send them the report from the FTC. She just told me she doesn't care and that they can't assist me. She then immediately transfers me to some collection agency, which told me to call XXXX back and that they would mark the account fraudulent but there is nothing they can do.
So i need further assistance getting this removed from all three credit bureaus and also remove my liability from this card since i never opened a card with barclay ever.
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| 01/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
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On XX/XX/2022 I made an electronic payment from XXXX XXXX XXXX XXXX to Barclay 's Bank in the amount of {$4500.00}. The reason for the error was Barclay 's had been my credit card company for over a decade but had recently sold my account to XXXX Bank. Two days later when the payment wasn't posted to I realized the mistake. I immediately contacted XXXX 's who assured me the errant payment would be forwarded to the trialing institution ; XXXX. It never was. Despite being provided a proof of payment from XXXX XXXX XXXX and being contacted by XXXX that the payment wasn't received, Barclay 's refuses to do anything. Barclay 's has stalled every chance they could. Not receiving faxes of proof of payment, emails that must be in spam folders, refusing to provide a receipt that they sent it forward to XXXX. They have closed numerous cases related to this issue without any resolution, causing me to have to start new investigations many times. I have spent hours on the phone each week, even had XXXX do an investigation from their end. They reported never receiving any money from Barclays, and tried to reach Barclay 's to speak with them but never having their call returned from XXXX XXXX, 2022. I have had XXXX XXXX XXXX start an investigation as well with XXXX XXXX. This involved weekly calls to Barclays, where often the representative had little knowledge of the case or could not do anything to find a resolution. This case ended when XXXX called for the weekly meeting ( which usually lasted 2-3 hours ) but I was at work teaching and could not take the call. I called a few hours later and was told the case was closed because I had not answered the call. Barclays has had my money since XX/XX/XXXX. I have spent hundreds of hours trying to get them to return my money or provide any proof that they sent it to XXXX or to myself. They have done neither.
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| 03/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
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Web |
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During a Timeshare presentation on XX/XX/2023 at XXXX XXXX. The sales consultant I sat with for 9 hours used predatory lending practices on me. I arrived at my XXXX XXXX appointment to ONLY listen to the presentation with the intentions to not purchase anything. As soon as I sat down with XXXX, I told her I was unemployed, my dad had just passed away and I wasn't buying anything. She went on and on asking me about my upbringing, my personal relationships with my sisters and my children. She told me that she she's herself in me. I'm afraid to live, she stated how us XXXX people live in fear and don't want to take chances and invest in real estate. She stated that purchasing a timeshare would allow me to own real estate, I will receive a deed and I can pass it down to my children. Out of nowhere the man who gave the presentation rushed over, gave me tissue and started talking about how I can use the timeshare as an XXXX and generate income. I believe he the one ran my name for the credit card because he commended me on my credit score. I've never heard of Barclays Bank. There is no reason for me to need a Barclay 's credit card. This account is not mine. I explained to XXXX that I could not afford a timeshare and that was not a smart investment. After sitting with her for 9 hours, she called a friend of hers & told him, " I found your wife! '' She also invited me on a trip to XXXX. We mostly talked about my personal life. I still don't quite understand timeshare and I most certainly didn't sign up for a credit card. XXXX used predatory lending practices. She dug deep into my pain, and used that to prey on me and my emotions. I felt as though I was in a therapy session revealing my skeletons and talking about my childhood and broken relationships. I've emailed. I've called, I've also disputed this credit card with all three credit bureaus.
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| 02/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American, Servicemember |
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On or about XX/XX/XXXX I purchased online a XXXX supplement. I used my Barclays credit card ending in account XXXX. The company ( XXXX XXXX ) charged {$19.00} for the product. Once I entered the card data, the total amount of same became {$240.00}. I immediately called XXXX XXXX and alleged fraud and told them to cancel order. The female that answered barely spoke XXXX and said she would not cancel the fraudulent order. I immediately called Barclays ( My Card Account holder ) and informed them of the fraudulent charge. Barclays canceled the card and mailed me a new one. On XXXX XX/XX/XXXX I received a letter from Barclays that they had completed their investigation and the charge was valid. I called Barclays on XXXX XX/XX/XXXX at XXXX and talked with " XXXX XXXX whom said while the charge may be a fraud, I provided the card data to vendor so I had to pay. I told her I never received a product, the charge was fraudulent, the company name changed each time a XXXX XXXX add was shown, and XXXX admitted that her record showed that the product had been returned to vendor. XXXX stated I had to call XXXX XXXX so I did at XXXX and talked with " XXXX '' who barely spoke XXXX and he admitted the product had been returned and disputed by Barclays and to take it up with them. I called Barclays back on same day at XXXX and told " XXXX '' whom barely spoke XXXX and told him the entire story and he said I had to pay the amount despite not receiving a product, there were claims of fraud on XXXX XXXX each time the advertisement showed, the company name changed each time the product showed. XXXX then engaged in semantics over " Fraud '' and " Scam '' with me. I do not owe the {$240.00}. I was forced, at the threat of putting on my credit report, to pay a fraudulent charge to a fraudulent company that never sent me a product despite doing everything right.
|
| 01/31/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
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I had three credit cards with Barclays. An UBER card, an XXXX XXXX card, and an XXXX card. The UBER card is the only one I had been using and it was the main credit card I used on a daily basis. In late XX/XX/XXXX, I got a letter from Barclays saying they had closed my XXXX XXXX card due to inactivity. So I went online to see what was going on and found out they had already also closed my XXXX card. Now this was a big deal to me because the XXXX card had rewards on it worth over {$1000.00}. So I called Barclays customer support the next day and ended up having to talk to a manager. The only thing the manager told me was Barclays could close my credit card without notice for any reason. And as much as I tried to get her to comment on the rewards I had, she would not comment on them. Then I notice in Barclays terms and conditions for the XXXX card that they had a mailing address set up for customers who wanted to make a formal complaint. So I wrote a letter and mailed it via USPS certified mail. Ive been waiting for over a month and have not received a response.
The letter I sent Barclays is attached. It includes more detail such as the fact that I was checking the Barclays web site every month using Barclays mobile app for the XXXX. And even after Barclays closes your credit card, there is no notice in the app that the card has been closed. The card account just shows up completely like a normal account. So there was no way for me to realize the card had been closed. Ive got screen shots of Barclays XXXX app included in the letter that shows this. And there is an XXXX card account statement included with the letter showing the amount of rewards I had in that account.
The USPS tracking number for the letter I sent Barclays is XXXX. If you check the USPS web site you can see I mailed it XX/XX/2019 and Barclays received it XX/XX/2019.
|
| 04/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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|
Web |
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We have always paid our CC early with the company Barclay Have been with this company for over 5 years XX/XX/2018 Always in Great Standing Never ever late EVER..
Always pay more then is due..
Credit limit was {$10000.00} recently, due to health conditions, I was laid off a job and taking care of health concerns! Due to lower income have used if your credit cards about 40 % But never late on any of them We currently listed our house for sale to downsize and its in escrow Barclay chose to lower our limit to XXXX and financially harm us in the buying of a new home, based on how usage of other cards not even their own Other cards that weve never been late on And have no collections are negative reporting whatsoever We have only Utilized 10 % or less most of the time With barclay!
Yet they lowered our limit to {$1600.00} financially harming us while buying a new home They said it was due to high credit usage on other cards .. from credit report While selling our home and getting ready to move to smaller one to adjust our lives We noticed our credit score dropping 40+ points due to Barclay lower our limit Afraid we would do the same to them Although we never have in 5 years..
My husband still makes over XXXX year with his good job.
Pays All the bills ON TIME When calling they Were made aware of the harm Their unethical actions caused us I spoke first with agent at portfolio unit name XXXX he said he could fix this but would have a manager reach out to me Then A mgr named XXXX called me To say sorry I could reverse this but wont Even knowing the harm they were causing us .. she was still unwilling to fix this!
Said sorry And thats it! When I told her we would be contacting the CFPB To file a report and claim, she said she didnt care .. like CFPB doesnt help people, when I know they always have been a great support to us over the years
|
| 07/17/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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On XX/XX/XXXX, I requested an online US {$3000.00} Balance Transfer from my XXXX XXXX Mastercard, operated by Barclaycard, to be done on my Visa XXXX XXXX credit card. After a few days, I realized that the amount requested wasnt accredited to my XXXX credit card, but totally charged to my XXXX XXXX master card, and fees. Then, on XX/XX/XXXX, I called Barclaycard Customer Care Dept., and requested to cancel the transaction, because still wasnt effective to my external credit card on that date, so it was created the case number XXXX. They said I would have response within 15 days later. On XX/XX/XXXX. I have sent an e-mail to Barclaycard Customer Care dept., requesting a solution, but they confirmed case was still created, but will take between 30-60 days. Because I didnt get any information, another e-mail was sent from me on XX/XX/XXXX, and their response was, that the worker assigned to my case was unable to reverse the balance transfer, as the payment had already been sent, and, supposedly, a proof of payment letter was sent to my mailing address, to provide it to my external bank ( XXXX ). They also said, that when that event happen, the bank will locate the funds. But, really, that supposed letter never was sent or received to my mailing address, and the funds requested was never transfered to my XXXX XXXX credit card account. Besides, what I requested was an electronic balance transfer, not a letter to be provided by myself to the external bank. On XX/XX/XXXX, XXXX answered another e-mail to me, that the case can not be opened or updated, and that a manager will contact me, but that also never happened. The amount of US {$3000.00} and related fees, US {$90.00} per transaction, and {$75.00} interest montly, are still charged in may XXXX XXXX Mastercard, which certainly is affecting my finances and credit report. Please help me.
|
| 05/31/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
My little boy accessed my Barclay credit card which is tied to my XXXX account without my permission. He proceeded to go on an unauthorized shopping spree not knowing that it was costing real money, It wasnt until I checked my credit card statement that I noticed he had made a bunch of charges that are listed below. I contacted the credit card company and they imediately reversed some of the charges. They are refusing to credit the rest of the charges. My son is under age and used my card without my permisson. I don't see how they can hold me responsible for unauthorized charges made by a minor. I have contacted XXXX XXXX XXXX and they are refusing to refund the charges. I told them I would delete the downloads or send them the XXXX console. They still refused and now I am blocked from contacting them.
XXXX XX/XX/2020 {$99.00} XXXX XXXX XX/XX/2020 {$49.00} XXXX XX/XX/2020 {$1.00} XXXX XX/XX/2020 {$49.00} XXXX XXXX XXXX XX/XX/2020 {$39.00} XXXX XXXX XX/XX/2020 {$49.00} XXXX XXXX XX/XX/2020 {$99.00} XXXX XXXX XX/XX/2020 {$49.00} XXXX XX/XX/2020 {$9.00} XXXX XX/XX/2020 {$49.00} XXXX XXXX XX/XX/2020 {$49.00} XXXX XXXX XX/XX/2020 {$1.00} XXXX XXXX XX/XX/2020 {$49.00} XXXX XXXX XX/XX/2020 {$49.00} XXXX XXXX XX/XX/2020 {$1.00} XXXX XXXX XX/XX/2020 {$1.00} XXXX XXXX XX/XX/2020 {$49.00} XXXX XXXX XX/XX/2020 {$49.00} XXXX XXXX XX/XX/2020 {$99.00} XXXX XXXX XX/XX/2020 {$99.00} XXXX XXXX XX/XX/2020 {$1.00} XXXX XXXX XX/XX/2020 {$49.00} XXXX XXXX XX/XX/2020 {$49.00} XXXX XXXX XX/XX/2020 {$49.00} XXXX XXXX XX/XX/2020 {$10.00} XXXX XXXX XX/XX/2020 {$14.00} XXXX XXXX XX/XX/2020 {$5.00} XXXX XX/XX/2020 {$5.00} XXXX XXXX XX/XX/2020 {$10.00} XXXX XXXX XX/XX/2020 {$10.00} XXXX XXXX XX/XX/2020 {$10.00} XXXX XXXX XX/XX/2020 {$36.00} XXXX XXXX XX/XX/2020 {$5.00} XXXX XXXX XX/XX/2020 {$10.00} XXXX XXXX XX/XX/2020 {$10.00}
|
| 11/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
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|
On XX/XX/2022, I used my Barclays Mastercard to pay the XXXX XXXX {$4000.00}. On XX/XX/2022, we authorized XXXX XXXX and XXXX to pay Barclays Bank Delaware {$4000.00}, not knowing that our account had been traded to XXXX XXXX Bank. I contacted both banks in XXXX when I got a statement from XXXX showing a balance due. Barclays told me any money rec 'd would be transferred to XXXX. In XXXX, I contacted XXXX after getting another statement. They told me that my problem is with Barclays. I contacted Barclays and was told to fax or mail copies of proof of payment wire transmissions. I did both. In XXXX I emailed the same documents to Barclays after receiving another statement. After receiving my XXXX statement I contacted XXXX. They told me I should pay, " for my own good '', rather than " fight the good fight ''. Also in XXXX I was finally able to open a dispute case with Barclays. This had to be done by a supervisor since I technically no longer had an account with them. Later in XXXX, I contacted XXXX and gave them the Barclays dispute number. I also sent both banks a trace number for the wire transfer that I got from my local bank. I was told that this number carried more weight than the proof of payment I sent them in XXXX. It is my understanding that Barclays has my money. I have asked them to either pay me or pay XXXX. I got another statement from XXXX, which is now charging me interest. I filed a complaint against Barclays with the XXXX XXXX XXXX which got me a phone call from " The Office of the President '' of Barclays. I re-sent them all of my documents but after their review they stated that they can't help me since the account had been traded and that I needed to contact XXXX. I asked for proof that they paid XXXX on my behalf, since I proved that I paid them but they can't help me since the account has been traded.
|
| 03/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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|
Web |
Servicemember |
|
For 7 years, I have had credit card accounts with Barclays that earns frequent flyer miles from XXXX XXXX. I have business and personal accounts listed in the name of XXXX XXXX registered to the address in this complaint.
On XX/XX/2020, XXXX XXXX shut down my frequent flyer account and sent me a generic form email with no information as to why I was shut down. XXXX XXXX has confiscated over XXXX frequent flyer miles in my account earned from using my Barclays credit cards. I applied for these credit cards in my own name and was vetted through identity checks and credit reports by Barclays, as well as submitting proof of my business through requested documents. I used the credit cards daily for purchases and earned frequent flyer miles. Now, Barclays says that it is 100 % not involved in the decision by XXXX XXXX to close the accounts of many frequent flyers. Barclays has engaged in deceptive practices towards its customers by routinely luring customers into new credit card products and offers to earn miles by spending money on their credit cards, then XXXX XXXX confiscates those miles, robbing the consumers. Barclays claims it is uninvolved in this process, yet they are the ones offering clear terms ( do this, earn x miles ) and then allowing consumers to be robbed by XXXX XXXX. Barclays claims ignorance about their own credit card products and allows XXXX XXXX to steal from its customers. I have filed a complaint with DOT against XXXX XXXX for stealing from me. I am now filing a complaint against Barclays for deceptive practices ( promising rewards and allowing them to be stolen ), for bait & switch, and for misleading marketing campaigns to dupe customers into entering into contracts Barclays fails to honor or to enforce in any way. Barclays claims ignorance regarding its own products and refuses to protect its own customers.
|
| 10/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On my XX/XX/2018 bank statement i observed two unauthorized charges from XXXX Store ( {$920.00} and {$170.00} ) which as soon I noticed them I reported to the bank so they can investigate this matter.. The first time I contacted the bank they asked me a few questions and one of questions was if I had the card in my possession since I only use credit cards for emergencies I though the card was in my possession and my answer to their questions was YES, however ; after going through my Cards I realized that the card was not in my possession.
A couple weeks later, I received a denial letter from the bank making me responsible for the charges although I explained to them that those charges were not made nor authorized by me. I contacted the bank and I explained to them that the card was not in my possession at the time the fraud took place however the bank insisted that I was responsible for those charges.
As a consumer, it is my legal right to request evidence for the disputed purchases and a voucher with my signature is the only evidence that will make me liable for these charges if in fact I made these purchases. I have requested in many occasions to the bank to provide me with the vouches as I as I want to verify my signature but the bank has refused to provide me with such important piece of evidence.
The bank is being bias and because I said by mistake that the card was in my possession when I filed my claim the fist time they are using that against me but they dont really have any evidence at all to prove that those charges were made by me.
Technically speaking I should not pay for these charges however, currently I am paying for these fraudulent charges just to keep my credit in good standing.
I need for the cfpb investigate this matter and to resolve it in a fair manner otherwise I will exercise my legal right.
.
|
| 06/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Servicemember |
|
On XXXX XXXX, 2020 my husband and I flew on XXXX XXXX Flight XXXX from XXXX XXXX XXXX NY to XXXX Florida. In flight, we were offered an application for the XXXX XXXX. We were handed the application and a pen to complete it. We were told that it was a card with no annual fee and there is a special inflight only offer of XXXX bonus points to sign up. I believe this may have also been printed on the application also. The flight attendant strongly advised people to sign up as this was the best offer XXXX XXXX has even had. The next highest offer she said was XXXX points for a version that had a fee attached. In addition, the attendant said since there is no fee and and since XXXX pools points she recommended that husband and wives each fill out their own application so that they each would get the XXXX points. To obtain the bonus points all you needed to do was to meet a minimum spend about in the first few months. My husband and I to date have received only XXXX bonus points in our XXXX accounts. On XX/XX/XXXX I reached out to XXXX and they claim they have no such offer of XXXX points. I asked for a copy of our applications and they said they could not provide them. On XX/XX/XXXX I reached out to Barclay 's who manages the card and spoke with a supervisor, who also said they had no such offer and was 'sorry for the miscommunication ' and said the highest offer they had was the XXXX points for the card with a fee attached. I also asked for a copy of our applications and she said that the application department and has them and she could not get them for me. This was fraudulent and heavily pushed advertising on the plane while in flight and I am requesting that the XXXX points be deposited to my husband 's account and my account. I am submitting two separate complaints, one under my credit card number and one under his. Thank you.
|
| 11/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
On XX/XX/XXXX I Opened a credit card request for Jet Blue due to a promotion they had to take ( - {$300.00} ) to a current trip. I bought a flight to new jersey through jet Blue Website also filling out the credit card application thinking it was going to be applied to the total.
The notification I received upon finishing the application was that it was in processing and that they will notify me if I was approved on it. I never got the ( - {$300.00} ) to my total so I thought I wasnt approved. In XXXX I was checking my credit score because I want to buy a home for my family since we had a newborn on XX/XX/XXXX of this year. I noticed that there was a XXXX point drop on my credit score due to a credit card not paid in XX/XX/XXXX telling me that there was an account 30 days past due I then immediately looked to see what card it is and it was a Jet Blue card I received in XXXX. I knew I didnt make any purchases with this card so I called and asked why the charge and the company representative told me that it was because their annual fee is charged on the XXXX of XXXX!
I was already being charged of an annual fee without even having the card yet. I was not notified of this charge anywhere. No letter was sent home nor email. As you can tell in my credit report. I am very careful about my credit and what I buy. I take care very much of my credit and for this to happen its just wrong from them.
I tried calling the company and they told me that I must write a letter to you reporting this issue as there is nothing they can do from their part. I paid the full amount owed as soon as I found out about the charge, and I also closed my Credit Card with them.
Please help me investigate this issue further and please delete this wrongful reporting from my credit report as it is more of a scam than fair.
Thank you very much for your time.
|
| 01/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Our card was stolen from our nanny, but since the card was on autopay and really only used for recurring payments and nanny household charges, we didn't realize the fraud was occurring for several months. I reported fraudulent charges on XX/XX/22 ( give or take 1-2 days ; as noted on the statement XXXX XX/XX/22 pages XXXX ). The charges were originally investigated by the fraud team and decided that it didn't qualify as fraud and then reversed all of the credits. I sent a dispute in showing proof of the fraud and that the card was stolen, and we received letters back from barclay saying that they had re-reviewed the case and that the charges were determined to be fraudulent and that all charges would be would be credited within 30 days. After 30 days they only reversed about {$1000.00} of the charges. I called several times over the next months trying to get them to reverse the remaining charges ( {$15000.00} ) but I could never get a call back or talk to any supervisors/ managers. I was always promised a call back with in 7-14 business days but only received a call back once on XX/XX/22. He assured me he had reviewed the entire case and that the would take care of everything. He reversed another ~ {$2000.00} but not even close to all of the charges. I faxed another formal request to review the case on XX/XX/22 as well as calling in on XX/XX/22, XX/XX/22 ( spoke with XXXX # XXXX ), XX/XX/22 ( spoke with XXXX # XXXX ) all of which promised call backs from a supervisor which have never happened. My credit score is dropping and I am unable to receive a call back to even find out the status of the case or any explaination. The account is accruing interest and my credit score is dropping and I can't get anyone to call me back at all. I have attached all of the specific details that I submitted in my 3 written formal complaints.
|
| 08/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
Monday, XX/XX/22 I called Black Card - Barclays- and reported suspected fraud involving my card. I was not sure but suspected it strongly enough to put a hold on my credit card and to check what charges had been made. Representative confirmed my last charge was the one I had made previous to the suspected fraud charge. I asked for Barclays to put a hold on my card and to suspect my card number to be used in potential fraud beginning immediately. Representative went through the protocol to get that accomplished ( asked to speak to the primary card holder -spouse- verified last four digits of SSN # and asked what site was suspected of the fraud -XXXX XXXX XXXX ). This representative instructed that my card was on hold immediately and no charges matching my credit card would go through. The very next day, On XX/XX/22, a {$79.00} charge to an XXXX was approved and went through as a charge to my account number on hold. Last XXXX on XX/XX/22, ( approx. XXXX XXXX XXXXXXXX ) I immediately called Barclays 24 hour member representative number on the back of my card ( Not Concierge number as I had done on XX/XX/22 - because it was currently XXXX hours PST ) and XXXX, the representative could not help me in any way because his system was down.
I asked for a Supervisor to call me back when the system came back up but I have not received a call as of this XXXX on XX/XX/22. No charges should have gone through on a card I reported potential fraud on a day prior AND went through the Concierge phone number on the back of my card to report it as such! I asked to put a hold on my card ( also checked to make sure the last charge which was made on my charge card was at XXXX XXXX XXXX XXXX earlier before suspected fraudulent site of XXXX XXXX XXXX ). I am not responsible for the {$79.00} charge from an XXXX on XX/XX/22 ( which was fraud ).
|
| 07/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Older American, Servicemember |
|
I have been a customer of XXXX XXXX with Barclay Bank for over 5 years with no problems. Last XXXX they changed the conditions of my card from rewards of 2 % on all purchases to 1 % except on food and gas purchases. In addition they fraudulently claimed that I requested a new card on XXXX XXXX which created problems for me. I know I could not have made this request because I fly from XXXX to XXXX on XXXX XXXX and on XXXX XXXX I spent most of the day sleeping. I suspect they did this so that the new credit card would be in sync with the new rewards program they surreptitiously put me into.
On XX/XX/XXXX I made a purchase of {$71.00} and received XXXX points which is equivalent to a 2 % reward. On XXXX XXXX they charged my card for a rental at XXXX for {$1200.00} and gave me XXXX reward points. which is the equivalent of 1 %. Now there were a few problems with this deed. First off, I rented the car on XXXX XXXX and my card was charged that amount. Three days later the transaction disappeared. The second problem has to do with my booking this rental. I booked it with the XXXX website which promised 5 times the reward. Mysteriously, all records of this transaction disappeared in my emails. I suspect the reason for the company 's dubious behavior has to do with the bogus insurance they offer when I made the initial rental reservation. I declined this bogus insurance from XXXX because on a prior rental I was forced to buy insurance from the rental company after I secured this fraudulent insurance. The next time I rented a car I naturally declined their sham insurance. At that time I noticed I did not receive my proper reward for the rental.
To sum up, I think this disreputable company is engaging in deceptive practices. Law panders to these predatory companies and they think they can engage in shady practices with impunity.
|
| 06/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Servicemember |
|
On XX/XX/2020 my husband and I flew on XXXX XXXX XXXX XXXX from XXXX XXXX XXXX NY to XXXX Florida.
In flight, we were offered an application for the XXXX XXXX. We were handed the application and a pen to complete it. We were told that it was a card with no annual fee and there is a special inflight only offer of XXXX bonus points to sign up. I believe this may have also been printed on the application also. The flight attendant strongly advised people to sign up as this was the best offer XXXX XXXX has even had. The next highest offer she said was XXXX points for a version that had a fee attached. In addition, the attendant said since there is no fee and and since XXXX pools points she recommended that husband and wives each fill out their own application so that they each would get the XXXX points. To obtain the bonus points all you needed to do was to meet a minimum spend about in the first few months.
My husband and I to date have received only XXXX bonus points in our XXXX accounts. On XX/XX/XXXX I reached out to XXXX and they claim they have no such offer of XXXX points. I asked for a copy of our applications and they said they could not provide them. On XX/XX/XXXX I reached out to XXXX 's who manages the card and spoke with a supervisor, who also said they had no such offer and was 'sorry for the miscommunication ' and said the highest offer they had was the XXXX points for the card with a fee attached. I also asked for a copy of our applications and she said that the application department and has them and she could not get them for me.
This was fraudulent and heavily pushed advertising on the plane while in flight and I am requesting that the XXXX points be deposited to my husband 's account and my account. I am submitting two separate complaints, one under my credit card number and one under his. Thank you.
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| 03/07/2017 |
Yes |
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|
|
Web |
Older American |
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XX/XX/XXXX I ordered XXXX face creams on the internet one called XXXX and XXXX. The first cost {$5.00} and the second {$3.00} and for some reason another {$.00} each from a company XXXX CA XXXX.I did n't like the product so I followed the instructions on the paper enclosed with the products. I recieved XXXX dispute numbers XXXX and XXXX. I was told to return the samples which I did and that would be the end of it. These products were put on my XXXX rewards mastercard. On my next statement I was charged {$97.00} and {$100.00} these charges were not authorized by me. I followed the instructions, had to pay for the shipping to return the products. To my knowledge I had done my share of what was required to have these charges taken off my bill. .On XX/XX/XXXX my credit card statement ending in XXXX was a negative - $ XXXX.I have not used this card, I cancelled it and have n't used it since. On XX/XX/XXXX I recieved a bill with not only the charges previously charged back in XX/XX/XXXX, but also the charge of {$40.00} annual fee for a card that I had thought I cancelled. When I call the Barclaycard XXXX mastercard, they tell me that they are still looking into it, and the charges remain until they make up there minds. In my last conversation with them I was on a three way conversation where the person on the other end asked me to send a copy of my social security number and a copy of my drivers license. I have never heard of such a thing I thought this was a reputable company Barclay Card services. I have had a XXXXcard for 15 years when it was XXXX XXXX There was never a problem. In conclution I have done everything possible on my part to have these charges removed, I no longer have the product, ,and to think that the credit card that I have had for years while it was XXXX XXXX has changed to this level upsets me terribly..
|
| 11/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
Briefly, my complaint is about both errors in my credit card bill, and the impossibility of contacting anyone about it.
Over the past XXXX weeks, I have spoken with XXXX supervisors, each of whom assured me that they someone XXXX or XXXX levels up in management would get back to me. Each of them confirmed that the bills of my last XXXX months do not look right - the totals themselves were/ are incorrect! I have never been provided with any way to contact anyone there, and when I have phoned in, my only option is to speak to yet another supervisor. Neither have any of the supervisors left notes that subsequent supervisors can review. Apart from a woman named XXXX see below NO XXXX has ever contacted me about this issue from Barclays.
There was XXXX supervisor, and woman named XXXX, who did leave a message for me on my phone even to the effect that Barclays was giving me {$100.00} to compensate for the difficulty I have experienced in dealing with this issue, with the impression ( but not certainty ) that she was continuing to research my issues. My impression is that XXXX was trying to resolve this issue, but she was under constraints by Barclays. She was not able to leave any way for me to contact her, leaving me none the wiser as to the status of my account, and still with no recourse. I was never given a case number or any indication that my complaint was being taken seriously until this recent not very clear message, and although I filed, weeks ago, what I was told was a formal complaint over the phone, there was never any indication that that ... went anywhere.
I find it remarkable and ridiculous that there is no way for an agent of Barclays to be contactable, that there is no continuity built into their system, let alone that numerical discrepancies could arise in their credit card assessments/ calculations.
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| 02/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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|
Web |
|
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During the month of XX/XX/XXXX I have tried using the co-branded XXXX XXXX XXXX XXXX credit card issued by Barclays Bank Delaware ( Barclays ) to make a by phone ticket purchase with XXXX XXXX and at various point of sale locations in Delaware. The card is proving to be useless.
It took almost 45 minutes for the ticket purchase to be finalized because I was told there was an address discrepancy issue. There should not have been a discrepancy as my address has not changed in over 5 years - and the address on file with both XXXX XXXX and Barclays has been kept up to date.
Notwithstanding that issue, I have had to spend nearly two hours on the phone with call center staff who simply can not grasp the significance of the issue I have encountered at at least 4 point of sale locations where my card - equipped with an EMV chip - has been declined. The card has also been declined when I tried to swipe it instead of dipping it.
I have been told by the ill-informed call center representatives that I must use the Chip and PIN combination with this card at point-of-sale terminals. Well, that is impossible to do when the terminals don't prompt the consumer to enter the PIN. Is this a credit card or isn't it?
Then, when I try to swipe the card. it's declined. This is embarrassing and a waste of time. I also think I am paying an annual fee for a card that appears to be useless other than allowing me better boarding position on XXXX flights and 1 free bag. However, since I don't use my American reward miles to purchase tickets, but only as partial payment for first class upgrades, the card offers no benefit for boarding or luggage allowances.
Barclays needs to better inform its call center representatives and its cardholders about the limitations of using this card in the U.S. where finding chip and PIN enabled terminals is rare.
|
| 01/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2019, I received a charge of {$1000.00} ( statement ending XX/XX/XXXX) on my Uber Visa card that is managed by Barclaycard. This was a merchant charge completed by XXXX XXXX XXXX. In early XXXX, I contacted Uber regarding this charge and requested to dispute it.
On XX/XX/2019, Uber provisionally credited by account {$1000.00} ( statement ending XXXX ) while the matter was disputed. I managed to resolve the issue with the merchant and on XX/XX/2019, Uber rebilled the {$1000.00} to my card ( statement ending XXXX ). XXXX XXXX XXXX also credited me {$500.00} as the original charge on XXXX XXXX should have always only been {$500.00}.
On XX/XX/2019 I received another charge of {$1000.00} to XXXX XXXX XXXX ( statement ending XX/XX/XXXX ). I first contacted the merchant XXXX XXXX XXXX and confirmed that they did not authorize the charge nor did they receive payment from it. I have been in contact with Uber Visa since XXXX regarding this matter and in good faith have been told several times that this charge is verified as erroneous, that it would be " escalated '' to receive credit and to wait 7-10 days. I have done this for several weeks in good faith as I've been told in good faith they would fix this. I have been given a number of case # 's for this issue including CIS XXXX. Each time that I call back, I am told that I am wrong about this and that both charges somehow cover one provisional credit. I then re-explain the entire matter and am again confirmed that the charge is an error and that it will be fixed. Each call after the first 2, I have requested and been denied the ability to speak to a supervisor. I am at a complete loss as what to do next. This is not a fraudulent charge but error on Uber 's part but at this point ( about 6-7 weeks of phone calls and escalations ) they are not doing anything about it.
|
| 04/02/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
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Between XX/XX/XXXX and XX/XX/2018, I received multiple ( 7 ) cash advance fees ( {$10.00} per fee, so {$70.00} total ). These were charged after purchases at XXXX. XXXX is a website where cryptocurrencies like Bitcoin can be purchased. Before XX/XX/2018, I have purchased from XXXX at least 10 times without ever receiving a fee.
After contacting BarclayCard, it was explained to me that that on XX/XX/2018, the Merchant Category Code ( MCC ) for purchases at XXXX was changed to something similar to when chips are purchased at a Casino.
I then asked Barclay if they had ever planned to let their customers know this change had taken place and they should perhaps change the way they do these transactions to avoid these fees and they said something to the effect of " No, it is the customers responsibility to understand how these things work ''.
I felt that this was unfair for a few reasons : -None of my previous transactions from XXXX XXXX had fees before XX/XX/XXXX.
-Therefore, If I were given a fee when i first tried ordering from XXXX XXXX I would have never made so many more orders that accumulated these fees.
-These fees were given over the course of a week without any notice from Barclay Card . They did not happen immediately so even if i checked the same day or a day later I would have still suffered these penalties.
-A transaction I made between XX/XX/XXXX and XX/XX/XXXX was not given a fee, so the date they decided to start charging me the fee was seemingly arbitrary.
-On a personal note, when i spoke to a manager, she said something to the effect of " You should be happy that I ( she ) don't go back and charge a fee for each time you used coinbase ''. There were 11 earlier times. I feel like this was a threat, or at least i felt threatened, not knowing whether or not this was an actual thing she could do.
|
| 10/20/2015 |
Yes |
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- Customer service / Customer relations
|
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Web |
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I filed an complaint with Barclays bank of XXXX on XX/XX/2015, I advised Barclays that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below.
As I am sure Barclays are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Barclays company will be in violation of the FCRA.
Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Barclays are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Barclays fail to respond in writing, signed by hand, in a timely manner, I will assume that Barclays are in error and this matter will be challenged. As Baclays further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Barclays claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status.
If you fail to comply within 15 days from the dispute dated XX/XX/2015, I will file a complaint with the CFPB, as well as the XXXX.
As of today XX/XX/2015, Barclays have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA
|
| 01/13/2016 |
Yes |
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- Closing/Cancelling account
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Web |
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I applied for a Barclays world master card and shortly after I received a email stating that it was approved and the card was on the way. I also applied for XXXX more Barclays credit cards within a two day period.shortly after applying for the latter XXXX cards. I later received a email stating that I need to call in and verify information associated with my credit card application. When I called in to speak with the rep he stated that " the system could n't pull up any public database question and that I needed to send in a copy of my drivers license, ssn card, and a current utility bill.
The strange thing is when I logged in to the online account I created for the Barclay world master card database question popped right up with no issues. I answered all the and passed the identity verification. When I received my Barclays world master card in the mail and attempted to activate it. the card it was blocked and It prompted me to call in and speak to a representative. when I spoke to the representative he asked me " verify my identity again. '' I again answered all of the question and rep stated he said congratulation your card is approved, a few mins later I attempted to make a purchase online only to find out that my purchase was declined so I had to call back in a 3rd time and they stated that i needed to send in '' ID ''. Are you serious??? according to the system I passed identity verification twice. what is the need of sending in my sensitive personal information that will pass threw god know who 's hands. I got approved for XXXX XXXX credit cards the same weekend with a different bank and have already received the cards with no issues. so at this point I would like to just close the account and have the trade line removed from my report. barclay is a total joke and I do n't want any of there cards ever in life.
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| 05/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
|
|
XXXX XXXX XXXX last reported on XX/XX/XXXX {$2000.00} XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. Barclays bank - opened XX/XX/XXXX $ XXXX reported it to the credit burrows as fraud XXXX XXXX - last reported on XXXX XXXX {$450.00} opened XX/XX/XXXX i opened the card but the card was stolen didnt notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud. XXXX XXXX XXXX XXXX, XXXX {$7100.00} XX/XX/XXXX opened this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX {$7100.00} XX/XX/XXXX opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX " XXXX XXXX '' last reported XX/XX/XXXX {$550.00} opened XX/XX/XXXX this account i never opened and i called up the credit burrow, and XXXX and asked them to take it off and told and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX " XXXX XXXX XXXX last reported XX/XX/XXXX {$410.00} opened XX/XX/XXXX i opened the card but the card was stolen didn't notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud.
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| 12/15/2016 |
Yes |
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|
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Web |
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Thank you for being there. I called this afternoon o XXXX/XXXX/2016 about a problem I 'm having with a credit card. I called them on XXXX XXXX to make sure I had the correct amount I owed since I had a fraud issue on my accounts so bad that they wiped out both of my windows with all my info. My one computer is still being worked on. I called the credit card company twice to be sure the amount was correct so I could pay them in full have them send me a new card and start over fresh. I was told twice the same amount and paid it and got a conf. # that I was paid in full. Then I received a e-mail stating The amount was different and was told 3 different totals. I had transferred a card over to this on even the fraud case was still open Then the other credit card found in my favor and the info was sent to this card I 'm writing to you about. They told me I owed them for the XXXX article that I was found innocent of. I called the company that had the fraud in the beginning and they confirmed that that had paid it and I owed them nothing nor the card I 'm in dispute with. They are going to send me the info. to prove my case once again and she said it would take 10 to 12 days. I 'm sending that info to you so you can please stop all this. They have had me in tears. XXXX. Although most of the time I 'm at the XXXX. To me this is pure harassment and I can not deal with it any more and I truly believe they should have to pay me for what they have put me through. It is wrong I have done everything. Had info and proof faxed to them and this was never brought up until I was paying off the bill. Where I even called twice to make sure the amount was correct due to all the fraud. Being honest and this happens I 'm done and would like to see them get fined for the lack of experience they have and the treatment I was given.
Thank you
|
| 07/12/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
The billing information for my promotional balance of my credit card was not provided via the account webpage that purported to contain all of my account information resulting in me being charged {$400.00} in interest that could have been avoided had I been provided with the same information provided in billing statements. I signed up for paperless billing and I am directed to the homepage of my profile each month to make my monthly payment. I do not see the " paper statement '' that is sent nor am I prompted to review said statement prior to making my payment. Instead, I visit my account home page that contains my transaction history, payment information, due date, etc. I also look for messages regarding my account in the electronic messaging system. To my surprise, having received no notice via the messaging system or my account homepage, I have been charged over {$400.00} in interest because of promotional balances that have allegedly not been paid off. I did not receive anything electronically notifying me that the expiration period was upcoming or that I risked being charged these amounts. Had I known of these issues, including the fact that there was remaining balance on the promotional amounts, I would have made sufficient payments to avoid these interest payments. It is disingenuous that the homepage purports to represent pertinent account information, but this issue is hidden in a statement that requires to be downloaded. This information should be readily available on the account homepage as is all other important account information. It should be far harder to find what my XXXX Rewards balance is than to find information that exposes me to {$400.00} plus in interest. The failure of the resolution of this matter has led my account be over the limit and the cardholder closing my account without notice.
|
| 04/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
At the end of XXXX and the beginning of XX/XX/XXXX I submitted a payment for my Banana Republic credit card for XXXX XXXX It was a time when Banana Republic was converting from XXXX Bank to Barclays. The personal check was issued to XXXX Bank. The money was withdraw from the account on XX/XX/XXXX by XXXX Bank XXXX never acknowledged receiving the amount of XXXX XXXX Every month I am receiving a Banana Republic credit card statements from Barclays for that amount including late fees every month. I am not using this card since the issue started back in XXXX XXXX. I made numerous calls and spoke to so many customer service representatives, relationship managers and supervisors, but they were not able to resolve an issue. The were keep reopening the cases XXXX after another over the XXXX past months with no resolution of the problem. As per Barclays, they never received the money and as per XXXX Bank, the check for XXXX $ was returned to Barclays. The check was never returned ( see attached documents from my bank and the letter from bank XXXX ). XXXX Bank keeps telling me that the money was returned to my bank, but they are not able to provide me or my bank with the proof. They acknowledged they experienced so many issues during the conversion period, yet they do not want to take responsibility for the missing money. As of right now, XXXX months later, both XXXX bank and Barclays say they are unable to resolve the problem and they expect me to pay XXXX $ again.
As of today, XX/XX/XXXX, I just received the statement from XXXX bank saying " .. your payment was included in XXXX trailing payment request # XXXX, sent to Barclays Bank of Delaware on XX/XX/XXXX, XXXX at this time, we encourage you to contact Barclays Bank in order to provide the transmittal information and discuss the payment '' ( see attached document )
|
| 07/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I have an outstanding dispute with Barclay 's Card for a total of {$1100.00} through the merchant XXXX XXXX. We had booked a multi-stay vacation with a XXXX night hotel booking with XXXX XXXX. We attempted to cancel the stay with the vendor in XX/XX/2022 due to covid restrictions to travel to the country and the stay was scheduled for XX/XX/2022. We attempted to contact the hotel on multiple occasions and received no email correspondence from the hotel in return to either refund or reschedule the visit.
On XX/XX/2022 we disputed the transaction with the merchant after waiting for more than a month for a response.
We eventually did receive a message back from the hotel on XXXX XXXX XXXX XXXX since our request to cancel due to the inability to get a travel visa. We explained to Barclay 's that despite the non-refundable rate, the services were poor enough to violate the terms of services for the merchant as it wasn't logistically viable to book a trip to XXXX, XXXX a week before our expected stay. The vendor 's failure to respond to two emails requesting a response wasn't acceptable.
Once disputed, Barclay 's card investigated the transaction and called us back to get a response from us prior to settling the case. We called back multiple times within the window they provided to us ( see the times and dates on the dispute letter and the stated hours of operation ), left a statement with one of their customer service representatives and they closed our case for not responding to their original message despite contacting them multiple times within the timeframe they provided to us and left a statement with one of their associates.
After many calls, Barclay 's agreed to repoen the dispute and have since provided no response despite being out of the 90 day timeframe included in their card 's terms and conditions.
|
| 06/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/2022, I manually paid my credit card balance on-line. The payment was also auto -paid on the same date, resulting in a double payment of the same amount ( {$7900.00} ). Subsequently, when I realized what had happened I assumed that the over-payment would be used to cover my next purchases made with my credit card. This was not done, as I realized in the next billing cycle when my balance was unaffected by the residual money. I called the company and informed them, and was told by their customer service representative that the amount of {$7900.00} would be refunded back to my bank account in 2-3 business days. I was given the case # of XXXX. I waited two weeks of no refund being given and then called the credit card company again. They told me that the case was " in process '' and could not tell me how long it would take to be resolved. They told me to call back in a week if there was no resolution. After 2 weeks of still no refund, I called again on XX/XX/XXXX, was told that I needed to speak to someone in the dispute department which was closed, and was told to call the next day during business hours. The next day, I spoke to XXXX XXXX XXXX, XXXX # XXXX, who assured me repeatedly that she would e-mail me a response to the dispute in 24-48 hours from then. That never happened. On XXXX XXXX, I again called the credit card company and requested to speak to a supervisor. The supervisor, who told me only her first name, XXXX, said that disputes are not addressed until up to two billing cycles from the time that the case was opened. This seemed ridiculous to me for something that was obvious ; the double payment appears on my billing statement as well as a withdrawal from the company from my checking account. I asked XXXX to escalate the issue and let me speak to someone higher ranking, and she hung up on me.
|
| 07/16/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In XX/XX/XXXX , I had my Identity stolen and the person opened XXXX accounts, XXXX with XXXX XXXX XXXX and the other with Barclays. I discovered the theft in XX/XX/XXXX when the thief tried to secure a copy of my current credit card ( XXXX ). I immediately contacted XXXX XXXX XXXX and Barclay and opened investigations with each.
XXXX
The thief had gotten a credit card from XXXX XXXX XXXX and used it to make several purchases in their city. The thief did not use the Barclays credit card nor activated the credit card. Once they hit the credit card limit with XXXX XXXX XXXX , they called Barclays to transfer funds into the XXXX XXXX XXXX account so they could continue using the XXXX card. The thief transfer funds from Barclays twice. When I spoke to Barclays, they said they had the voice recording of the second transfer and the person did not sound like me. I complete a police report and an Identify Theft report with the FTC and submitted them to both banks.
XXXX
I have also completed an extended ( 7 year ) fraud alert on my social security number to block anyone from opening any future accounts.
XXXX
XXXX XXXX XXXX com pleted their investigation and found the account was a case of Identity theft and released me of the debt. However, Barclay declined my case and continued to harass me and my family. I submitted another letter to Barclay along with a copy of the release letter from XXXX XXXX XXXX . Barclay did not response to my letter, but s ubmitted my case/debt to XXXX XXXX XXXX XXXX ( a debt collector ). Now I am getting harassed by XXXX . I have dis cussed the issues with Bayclays multiple times over the phone, submitted multiple reports, and bank documents. Barclays continues to seek funds for an account I did not open.
|
| 09/19/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I opened up a savings account with Barclay on XX/XX/2023 ending in XXXX. I linked my accounts as requested and deposited two funds totaling in {$5500.00}. They did not state any problems with the first transaction but during the second on XX/XX/XXXX they suspended my account without any notice. I attempted for days to enter my account to access my funds without assistance. I called Barclay where they stated that I needed to send over my ssn, bank statement, drivers license. I provided all the information and then had to call back days later to find out they had closed my account without any prior notice. This was on XX/XX/2023. I was told that in 5-7 business day my funds would be returned to my original account. I waited till XX/XX/2023 to call again because I had not received anything. I called my original bank and they stated not getting any notice of a deposit from Barclay. I called back on XX/XX/XXXX where they stated " it was already cleared, it has been sent, it will be there by XX/XX/XXXX ''.
On XX/XX/XXXX nothing had been cleared. I call back Barclay and I am first told it is being sent to my other account. Then I am asked to verify my information. Then finally I am told I need to contact my original back and request that they retrieve my money back. When I ask " why is it a different answer every single time, I just want my money back ''? They had no answer. It is now XX/XX/XXXX, its been 7 business days. I can not seem to retrieve my funds, get a clear answer of their transfer or placement, and the banking support at Barclay refuses to assist me. They have closed my account so I can not even request personally to have them transferred back.
This is dishonest service. These are my savings. I have worked so hard for this money and they are treating it like it is nothing.
This needs to be addressed.
|
| 09/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
To : Barclays Bank Delaware AND XXXX XXXX XXXX XXXX XXXX. I write to advise you that I plan to file a lawsuit against you in the United States XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
|
| 03/13/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Making/receiving payments, sending money
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Web |
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BARCLAYSBK ACCOUNT NUMBER : XXXX XXXX/XXXX/XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify BARCLAYSBK or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : BARCLAYSBK or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
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| 01/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I have tried numerous times to dispute monthly charges appearing on my Barclaycard Mastercard that I did not authorize. Barclaycard has refused to assist, and I am therefore filing this complaint. The monthly charges are from XXXX XXXX XXXX and currently total {$1400.00} ( as of the date of this letter ).
On or about XX/XX/2020 I submitted a dispute for a monthly recurring charge in the amount of $ XXXX {$76.00} per month that I did not authorize. Attached is a summary of those charges, along with the several letters I sent to Barclaycard. In addition, I have spoken to Barclaycard numerous times by phone to discuss the matter and answer any questions they had. My request was/is to stop the recurring charges and reverse the charges that I did not authorize. To this day, the recurring charges continue each month. A few of the charges were reversed, but most have not. I pay my balance in full each month in order to maintain my good credit rating. However, I am still owed {$1400.00} as of this date.
The most recent letter from Barclays states they will not assist me because We are outside of the permitted timeframes to continue this claim through the dispute process. This reason simply makes no sense as I have been pursuing this matter since XX/XX/2020.
Barclays has been very difficult to communicate with. Each phone call results in speaking to someone new and re-explaining the issue, only to receive a generic letter in return. I have spent countless hours on what I think would have been a simple issue, and Im kindly asking CFPB to assist in resolving this matter with Barclay. Specifically stop the on-going charges that are now {$79.00} per month and issue a credit in the amount of the disputed charges in the amount of {$1400.00}.
Thank you for reading and hopefully assisting with this frustrating issue.
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| 03/23/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I have Barclays Credit Card that I regularly make payment to through my bank 's bill payer service. I have made regular payments for the last 2 years without a hitch. However, in XX/XX/XXXXof this year, I started receiving telephone calls from the customer service department of Barclays demanding payment. I explained to the individual that my payment was sent via my bank as I have done for the past 2 years. Every 2 weeks since I have received calls asking me to pay the minimum due. I explain to the rep that I have made the payment as I have previously done, so please check you records. I have submitted information from my bank showing that payments were sent and cashed. My bank also sent Barclays a copy showing the checks sent were cash. On XX/XX/XXXX I received a letter in the mail stating that my account is delinquent and my account was canceled. I called Barclays immediately and after explaining my issue was left on hold until there was no dial tone on the line. I called back and in an effort to minimize the conversation, I asked the new rep to review the notes. She was able to locate the prior notes but notice no movements on the case. I have made 4 payments since the beginning of the year totaling {$3000.00}. There 4 payments in total but they have only credited one to my account. They have cashed all 4 checks and both I and my paying bank have provided proof the payments were sent and cashed. I called again today, XX/XX/XXXX, and went over the entire experience with the CSR yet again. After the phone call, I called my bank to confirm once again that the latest payment was sent and cashed. When I called Barclays back, they couldn't even locate any notes from my prior call. I am concerned that they have misappropriated {$2600.00} of my money and are reporting negative information to the credit bureaus.
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| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Account number XXXX, account number XXXX
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| 09/15/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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Regarding my now closed barclays arrival credit card.
This is now the 4th time I've tried to get this resolved before I contacted a regulator.
XX/XX/XXXX : fraudulent charge at XXXX on my Barclay arrivals card in amount of {$160.00}.
XX/XX/XXXX : I logged into my account and noticed this fraudulent transaction notified barclays via customer service, spoke to two people including fraud department, was told there was nothing more I needed to do and transaction would be removed since fraud.
Fast forward to XX/XX/XXXX, the fraud transaction posted XX/XX/XXXX. Received letter from barclays it was fraud and I wouldn't be responsible, but still have {$160.00} on my statement.
I cal barclays again XX/XX/XXXX speak to two people including fraud department and let them know still not removed and now {$160.00} is due XX/XX/XXXX. I tell them it needs removed asap because it's fraud again and I won't pay for something that fraudulent and not sure why they let it post and still haven't removed it when I told them right away. They tell me to continue making minimum payments, no I won't. This is fraud you guys need to do your job. She says it will be removed within 24-48 hours. It's now XX/XX/XXXX which is 72 hours later and still not removed. I also write customer service via secure message and am told a manager would call me, nobody called. Cfpb needs to keep barclays accountable. I'd hate for my XXXX or someone who is not tech savvy to have to deal with this. How mant times do I have to request they remove the fraudulent transaction? {$0.00} fraud liability means exactly that, I don't pay for fraud on the credit card. Especially given I let you know immediately, you should not have even allowed it to post. Refund the {$160.00} and do not charge me any late fees or interest. I won't pay for your incompetence.
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| 07/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American, Servicemember |
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XX/XX/XXXX, & XXXX I was charged {$100.00} from XXXX ( XXXX ) for eye serum I did not order ( See doc 1 ) called Barclay see ( doc3 ) Then see ( Doc 2 ) with a pirated tracking number not associated with me or my address according to usps. Alleged delivered 2 days before ordering. Barclays just said they had a tracking number & would not remove the charge! In the meantime on the XXXX statement ( Doc1 ) I was charged {$44.00} & {$1.00} from XXXX Called spoke with XXXX & he said he would remove the charge. It was removed. Also all on XX/XX/1922 was charged {$69.00} from XXXX ( XXXX ) called spoke with XXXX according to her this was a XXXX tape! Also on XXXX, XXXX was charged {$590.00} from XXXX ( XXXX ) Called & guess who answered the phone XXXX from XXXX media. She said these were also a bunch or XXXX things like XXXX etc.. Called & Barclays ( spoke with XXXX ) told they would remove the XXXX & {$590.00} charge. ( Doc 4 ) XXXX statement ( Doc 5 ) On ( Doc 6 ) they send 2 more cards I never detached from paper nor did I activate them. ( Doc 7 ) claims these were Valid & put the charges back on see ( Doc 8 ) XXXX statement. Called spoke with XXXX XXXX XXXX assured me it would be off the statement in XXXX. XXXX statement arrived ( Doc 9 ) Charges still on acct. Spoke with XXXX & was told they gave the money back to the supplier. I called said supplier. I was told NO they had pulled the money from the XX/XX/22. Which was correct. They have never been given the money back. Yet Barclays is charging me & late charges. I ask where is the money then?? The supplier told me they didn't have it and the account was closed. Yet you are still charging me. They told me to make a police report. The police said they couldn't do anything this was a civil matter. So I've been going around & around for 7 months. Please help me!
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| 03/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Numerous correspondence back and from Barclays Bank of Delaware ( my credit card company ), indicates they could have reversed the charges for : Airline tickets CANCELLED by the airline Timeline : XXXX- Barclays spoke to airline, XXXX, whom agreed " over phone '' to reimburse me per submitting my checking acct. information through a responding email. Although I was told this was not legally necessary because they could have reimbursed me through original method of payment- my Barclays credit card- I STILL COMPLIED TO SUBMIT MY CHECKING ACCOUNT INFORMATION.
From XXXX to XXXX ; continuously advised Barclays that XXXX was not responding to my request for refund. Due to XXXX XXXX change in Personnel, every time I called for follow up, they could not locate the reimbursement request with my checking account information that " I had already submitted '' to the prior employee. I was told to resubmit again to the new employee. This was done 3 plus times ; emailed to : XXXX, XXXX, XXXX, and their legal department as well at : XXXX, ALL OF WHOM HAVE NEVER RESPONDED.
In XXXX, I wrote to Barclays indicating the issue I was having with this company.
I was told by Barclays to " wait '' and follow their instructions of waiting 60 days.
Between XXXX & XXXX ( 2020 ) and my numerous attempts to collect on my refund, I contacted Barclays again in XX/XX/2020, and requested they re-open my claim. I was told they would do so but no response. I contacted Barclays again in XX/XX/2020 and finally they really did reopen my claim and later in XXXX, they sent me a denial indicating my time frame had lapsed and they could no longer collect or reverse the charges.
Only reason I have attached a consumer complaint database info is to show Barclays does not assist in disputes -- over 1200 recent complaints regarding same issue.
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| 06/02/2015 |
Yes |
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Web |
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BARCLAY CARD has been a nightmare for me. Problem started when there was a repeated security breach and my card number kept ( like XXXX times ) getting compromised. This resulted in me having to change my card number, numerous times, contact all autopay bills. One occasion after that happened, in XXXX 2014 i began having this problem with my statements where every charge I made it would appear XXXX-XXXX extra times on my credit statement and then automatically appear as a credit back ( sometimes not until a later credit statement ). My statements wound up being many many pages long and you could make sense of them. There was almost no way to track whether i was actually getting credited back for all the over charges. I contacted Barclay numerous occasions, spent close to XXXX hours on the telephone ( over a XXXX month period ), spent XXXX+ hours trying to track my statements and make sense of what was happening. It was so complicated I gave up. I would call and speak to supervisors and be assured they would look in to it and call me within XXXX hours and never once did they return my calls. I spoke to no less than XXXX different individuals ( many of whom were supervisors ) and the problem never got resolved -- i continued to receive false charges and a confusing statement and XXXX help from the company. This problem continued month after month. I finally cancelled the card and then to add insult to injury they went back and are now charging me for the fraudulent charges in XX/XX/XXXX. They also seem to never have any record of my calls or complaints or who i spoke to. I am an attorney who is self employed and bills by the hour. This nightmare has cost me $ XXXX in lost income ... and the nightmare continues. I have never had any experience like this in my life. WORST customer service and response ever.
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| 11/11/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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In mid-XXXX of XX/XX/XXXX, we contacted a roofing contractor to give us an estimate on replacing our old roof with a new metal roof. He quoted us a price {$8900.00} for a complete roof tear off, replacement of compromised roof decking, removal of old chimney, and installation of a new 5 rib metal roof with new gutters. He drew up the proposal on a contractor 's invoice as he was out of blank proposal documents.
We agreed to this estimate on XX/XX/2021 and signed the estimate. We provided the roofing contractor a {$4600.00} down payment through XXXX using a Barclays credit card so he could lock in the price for the metal roof. The charge for that money was billed to our account on XX/XX/2021.
To date, we have been unable to contact the roofing contractor to inquire about the work he agreed to perform as well as ask about a refund of the {$4600.00} that was charged to our account. We have been in contact with Barclays to resolve this issue and to try to get a credit on our account.
The first dispute we filed with Barclays we were informed via letter dated XX/XX/2021 that the merchant has not violated the terms and conditions of sale. Another document stated that we somehow violated XXXX XXXX terms of service and that XXXX would not refund to Barclays for our account.
The second time we filed a dispute with Barclays I faxed copies of the proposal that we had signed and again we were informed by letter dated XX/XX/2021 that Merchant has not violated the terms and conditions of the contract. They also stated in the letter that they would not be able to assist us further with this issue.
We take issue with the second investigation because the contractor has absolutely violated the contract as we have not received any material and no work has been performed in the removing and replacing of our roof.
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| 06/01/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
Servicemember |
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Hello, I currently own a Barclaycard Mastercard Gold Card that is part of the Luxury Card platform. I am also a XXXX XXXX XXXX service member. I applied and received the credit card under the Servicemember 's Civil Relief Act. I w as assured both on the phone and via mail that I would be honored with no annual fee ( or iginal {$990.00} would be waived ), and 0 % interest among other benefits that the card rewards all while remaining on XXXX XXXX in the military. I was assured of this on multiple occasions all through Barclaycard employees. This past fall, I received a letter saying they were adjusting the SCRA benefits but I was still honored to my original benefits because with no annual fee or interest due to the fact that I have already been a member and have been grandfathered in previous to the adjustment in their policy. Then, this past spring, I received another letter in the mail stating I now owe the {$990.00} annual fee. This goes completely against the conditions in which I applied for the card and was assured by the company on multiple occasions would not happen, as long as I remain XXXX XXXX ( XXXX XXXX XXXX ). This has put me in an extreme economic burden as a service member forward XXXX now receiving mail stating that I owe a very large fee of {$990.00} is unprecedented and against all outlines in the conditions in which I was guaranteed by the company. This has placed myself and family in a very tough financial position tha t Barclaycard refused to be sensitive too. I am willing to provide any more information to help fix this issue and hopefully help any others that were affected by this. I am requesting to go back to my original conditions when i had the card before Barclaycard changed and did not grandfather me in as they said. Thank you for your time.
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| 06/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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There were multiple fraudulent charges on my Barclays credit card on XX/XX/XXXX & XXXX. Barclays flagged these charges and contacted me. I went through the charges with a Barclays representative and two of the fraudulent charges I noted were from a merchant called XXXX XXXX XXXX. There were two charges from this merchant - one on XX/XX/XXXX for {$30.00} and one on XX/XX/XXXX for {$30.00}. Barclays closed my account and issued a new card. Initially only one of the fraudulent XXXX XXXX XXXX charges was removed. So I called back and asked for the other charge to also be removed. The representative I spoke with assured me that it would be removed. However, instead of removing the remaining fraudulent charge, Barclays added back the second fraudulent charge. Barclays also sent me a letter stating that I had personally confirmed the validity of both charges. I called back multiple times attempting to get the two charges removed. Eventually, I was given two {$30.00} credits to compensate for the fraud charges, but Barclays never actually removed them or deemed them fraudulent. The following week another {$30.00} XXXX XXXX XXXX charge was posted to my account and back-dated to XX/XX/XXXX. So at this point, I had three fraudulent charges posted on my account. After calling Barclays, they issued another {$30.00} credit, but again wouldn't remove the fraudulent charge. Now this week, Barclays posted a fourth fraudulent {$30.00} XXXX XXXX XXXX charge, also back-dated to XX/XX/XXXX. At this point, I have no choice but to close the card. However, it is clear to me that Barclays has a relationship with the fraudulent XXXX XXXX XXXX merchant. They repeatedly refuse to remove these fraudulent charges and keep adding a new one every week. I don't understand how they can be so brazen about defrauding their customers.
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| 09/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On or about XX/XX/XXXX, I notified Barclays that there was fraud activity on my credit card. The complaint was taken in, the items disputed were itemized, and I received a new credit card account number. Despite Barclays taking in this fraud complaint the only action Barclays completed was sending me a new card. The items in dispute remained on my statements and the account that was stolen remained open.
On or about XX/XX/XXXX, I notified Barclays that the fraud activity complaint was not resolved. I was told by XXXX # XXXX that no fraud complaint was ever received and that I would need to put a new fraud claim in. I proceeded to spend the next XXXX hours working with Barclays to again put in the items disputed. I was told this would take XXXX to 2 months to resolve. After the call I received a letter from Barclays stating that they closed the account impacted by fraud ( the action that was supposed to take place after the XX/XX/XXXX call ).
On or about XX/XX/XXXX, I notified Barclays that they removed 4 of the 5 fraud items but the 5th item was not removed from the account. I was told by XXXX XXXX XXXX XXXX said the agents don't have ID # s ) that the fraud review was still open and no action has been taken. I pointed out that 4 of the 5 items had been removed. The Agent could not explain why the 5th item remained on the account. The Agent said she would put me back into the fraud system for review. I asked to speak with a manager and was told I would be put in the Manager callback queue for a call that may occur in 1 to 5 business days.
It appears to me that Barclays is deceptive in its dispute process. I am being negatively impacted as Barclays continues to report me as not making payments, when the only items outstanding relate to the fraud that was reported to Barclays over 5 months ago.
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| 10/03/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
Older American |
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Below is our concise summary of the events that led up to the credit card debt : After purchasing a vacation package in XX/XX/2017, attending another sales pitch and upgrading our ownership we were moderately happy with the results at the time.
The real turn of events happened this year in XX/XX/XXXX. We were informed by XXXX XXXX that owning a " Land Trust '' was the " future of the company. '' After much deliberation AND with the agreement that there would be no cash outlay/no payment out the door on our part, we agreed. She went on to say that we could simply use the equity from the 2 timeshares that we already owned to purchase the Land Trust.
We were encouraged to apply for a credit card for RCI as part of the enrollment process. We were fine with doing so with the understanding that this would be an open line of credit directly tied to the ownership ( for points, perks, etc. ) and that since we were trading in the previous timeshares we would not be responsible for any associated balance. XXXX XXXX assisted us in the closing process and reiterated the very same information so we left feeling very " tucked in. '' NEVER was it explained that a down payment would be on the credit card.
Turned out that not only had we traded in the previous timeshares in but a {$16000.00} down payment was put on the RCI credit card. The interest rates were awful and therefore, we were left with little to no choice in taking out a personal XXXX loan ( with lower interest rates ) to pay off the unexpected debt.
We are intelligent, educated individuals of sound mind that can say with great certainty that they purposefully presented this as something that it was not.
We are both retired military veterans and for this to go unregulated is unacceptable. We would appreciate all the assistance you can provide.
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| 02/07/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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On XX/XX/2019, I went online to my credit card issuer 's website to verify that I had received a refund to my card from an outside vendor and upon examining my account details, I discovered that my credit limit had been REDUCED by {$2600.00} without any notice to me. As such, I called the credit issuer 's customer service department and spoke with a Representative who indicated that my limit was decreased due to their review of my credit report that indicated I had too many open credit cards and when I asked the Representative why they had pulled my credit WITHOUT my permission, he indicated that it was something they did from time to time and that a letter explaining their decision was mailed to be on or about XX/XX/2019. In addition, I asked the Representative why the decision was made to reduce my balance so significantly when I have NEVER missed a payment with their bank in the 2 - 3 years I have had their card nor have I ever missed a payment with any of the open credit cards that they felt I had too many of and he advised that due to the information on my credit report that this was the decision they felt was best and he offered no resolution dispute assistance. I advised the Representative that I completely disagreed with their decision for numerous reasons specifically, the fact that by reducing my credit to the amount of {$1800.00} this puts my credit utilization for this creditor at 90 % when prior to the credit limit decrease it was 38 %. As a result, this has had a negative effect on my credit score despite the fact that I have NEVER been in default with any of my creditors whom are all current and have been for several years so I'm not understanding their decision.
Signed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Creditor : XXXX website : XXXX ph : ( XXXX ) XXXX
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| 03/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
Older American |
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Re : XXXX XXXX XXXX ( Primary Card Holder ) XXXX XXXX XXXX XXXX Barclays Bank Credit Card Division Card # XXXX We are Barclays Bank XXXX Credit Card holders. We have had the card for several years. On XX/XX/2023 we made a payment of {$150.00} on the Card. On XX/XX/XXXX we became aware through our bank- XXXX XXXX, that Barclays removed the funds from our bank. However- Barclays did not apply the payment of of {$150.00} to our account and withheld the available credit that the payment should have produced and indicated that the available credit that the payment should have produced - would not be forthcoming until XX/XX/XXXX. Upon knowledge and belief- Barclays has placed our {$150.00} into an interest bearing account along with thousands of other credit card holders while at the same time depriving us of access to our funds in the form of available credit. Besides denying us excess to our funds. In addition, this conduct also adversely impacts on both of our Credit Reports by artificially showing a lack of available credit- which is a key component of determining both the Vantage and overall Credit Score. In addition- Barclays conduct may also constitute Fraud under FTC regulations. Efforts to resolve this matter directly through Barclays. On two occasions on XX/XX/2023 - we spoke on the telephone with Barclays call line and related our concerns to both call center representatives- including two account supervisors ( XXXX was one ) their response- in the case of XXXX XXXX he hung up the phone on us. We fully intend to pursue the matter through the courts and will be filing a Federal Lawsuit in the XXXX North Carolina XXXX XXXX under provisions of the Fair Credit Reporting Act. In addition- we also intend to file a complaint with the North Carolina Attorney Generals Office of Consumer Affairs XXXX
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| 08/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American, Servicemember |
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A reservation was placed with ( XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2021. The reservation was for XX/XX/2021. This reservation was placed by my daughter. The payment was affected through my Barclay, s Master Credit card. Later in XXXX, when I received my Barclay Credit card statement, Prior to XX/XX/XXXX. I did not recognize the amount So I called Barclay and asked them to put the charge in Dispute. They did so. Again, prior to the date of the reservation XX/XX/XXXX. My daughter came to me and reminded me of the reservation she placed with my consent with the Barclay credit card. So I turned around and prior to the Reservation date. I called XXXX and asked them if I could pay with another credit card. Since they did not want the Barclay Credit card. The said yes. So I paid with the XXXX XXXX card, on XX/XX/XXXX. They, XXXX accepted the transaction and my family was able to attend the reservation. I called Barclay and asked them to cancel the transaction with ( XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ).
They indicated, with a letter that they would close the transaction but they actually did not. They first sent me a letter, on XX/XX/XXXX, indicating that the transaction was closed. I thought that was the end of it but it was not to be, On XX/XX/XXXX I received another letter saying that XXXX submitted documents to Barclay indicating that the monies was owed to ( XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ). So Barclay, after making their investigation concluded that, ( XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ), should be paid. This is without contacting me before the payment was made out of my account.
I previously had paid, ( XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX though XXXX XXXX. I called Barclay and asked them to retrieve the payment a credit my account. Barclay refused!
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| 05/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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In XXXX I found out that I was embezzled and identity stolen to commandeer several accounts in my name. Two personal credit cards originally opened legitimately, were supposed to be closed or inactive, one for Barclay Bank, and the other for XXXX XXXX ( see attached ). Unbeknownst to me, they were taken over by a former employee, XXXX XXXX, who charged over {$100000.00} on two credit cards by forging signatures. There were balances left on the cards, and eventually the companies charged off balances as bad debts, listing them as delinquencies, even though that was 100 % fraud. I found out through a telephone call from Barclay Bank about the first card which had a ~90 day past due balance. The XXXX XXXX account was discovered still open with a balance after checking my credit. I notified both banks and let them know this was fraud, however they would not believe me. However they said they would listen to law enforcement if the perpetrator was charged. Due to the complexity of the case, the perpetrator, XXXX XXXX, XXXX XXXX XXXX XXXX, was not charged until this year by the XXXX XXXX District Attorney 's office for these crimes. She was charged for two class XXXX XXXX, was XXXX and is now awaiting a XXXX or XXXX. I have disputed both accounts since I was aware of the fraud, however the two cards are still listed as delinquencies on my credit reports. These claims were investigated by XXXX Police detective XXXX ( XXXX ) XXXX or ( XXXX ) XXXX, as well as by XXXX XXXX, XXXX XXXX a former FBI XXXX XXXX crime investigator, ( XXXX ) XXXX, email : XXXX. The accounts were actually illegally paid by the same person who embezzled from them by intercepting the mail, and paying them through a corporate account illegally, so I was unaware the accounts were being embezzled for about four years starting XXXX.
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| 04/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX RE : Barclays Bank annual fee Account number ending in XXXX FCRA Credit Bureau Disputes XXXX XXXX XXXX XXXX DE XXXX Dear Sir/Madam I opened a travel miles card with Barclays bank for travel miles in the fall of XXXX. I used the card a couple of times, paid it, and stopped using the card. I never collected the travel miles.
I did not realize there was an annual fee. I elected for electronic statements and was not checking them as I did not use the card. I did not pay the annual fee. Barclays said this went on for 4 billing cycles. Barclays says my account now has a XXXX balance and they have reported this issue to the credit bureaus, harming my credit.
I have called Barclays XXXX times to resolve this issue. Most recently on XXXX and again on XXXX, looking for a resolution. I offered to pay the {$99.00} if they would take this off my credit report even though I did not realize there was a fee. Barclays states there is no balance to pay and to only way to resolve this issue is to send this dispute. I also filed a complaint with Barclays on XXXX case XXXX.
The following information is from my XXXX card that monitors my credit score. In XX/XX/XXXX, my credit score was XXXX, XX/XX/XXXX it was XXXX, XXXX XXXX it went down to XXXX, and XXXX. down to XXXX.
Not only is this situation mean-spirited, Barclays has chosen to ruin my credit and not give me a way to resolve it. I asked this question multiple times with XXXXarclays should they be able to resolve the issue as they are the creditor. I would rather not file a complaint, but Barclays has left me no other option. Therefore, I am filing this dispute, and notifying the CFPB.
Please respond to my letter in writing within 30 days.
Sincerely, XXXX XXXX Email : XXXX XXXX
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| 01/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/XXXX I mailed certified documents to update my credit report with XXXX and I recived Notification on XX/XX/XXXX those documents were recieved & signed for by XXXX XXXX at XXXX in XXXX , Texas . The documents reflect there are 2 accounts ive settled XX/XX/XXXX. I have recorded & saved each call to XXXX, Barclays, & XXXX XXXX. Ive also attacthed the multiple calls made as well as the date the documents were signed for. On XX/XX/XXXX XXXX i called and spoke with a representative to check status of the documents being recieved I was advised not yet & to check back. On XX/XX/XXXX XXXX I called again and spoke with a representative and was advised no documents were recieved yet & to check back I then requested a supervisor or another representative and I eas transferred to a survey & hung up on. I called back on The same day at XXXX and was advised to allow time for documents to be recieved. I called on XX/XX/XXXX XXXX I was again advised no documents have been recieved. I called again on XX/XX/XXXX XXXX and I was advised once again there are no documents recieved yet. I called on XX/XX/XXXX & I was advised no documents have been recieved so I requested another representative I was again transferred to a survey & hung up on so I called back on XX/XX/XXXX XXXX to get the same information. I called once again today XX/XX/XXXX XXXX i was told there are no documents I requested a supervisor the representative hung up on me. And here we are at this point almost 30 days later no documents recieved and XXXX representatives hanging up on my while XXXX continues to report innaccurate information. In 12 more days XXXX will be in Violation of the FCRA guidlines of putting my account in dispute status & getting my credit profile updated correctly which I will then be forced to file suit rightfully so.
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| 06/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Delay in processing application
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Web |
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I saw advertising for a " XXXX XXXX '' very frequently on XXXX. the bank is Barclays in Delaware. My appliction number is XXXX I believe this bank or its card services department/affiliate ( Luxury Card ) is involved in unfair and deceptive advertising.
I finally decided to apply. i believe i am well qualified. my XXXX stands at 790 plus and i am a multiple mortgage holder with loans close to {$2.00} XXXX at rates under 3 percent and terms of 30 year fixed.
so far, i have not recievd the card. i have received letters and phone calls asking for additional information. the bank/its affiliate is asking me for a completed 4506T IRS form in order to continue processing my application.
I informed them that i had filed for an extension for 2021 taxes and sent them my W2 form. they keep asking for the same document.
i feel that this request is unusual and unfair. this requirement was never brought up when i was doing the phone application and was not mentioned anywhere.
i am concerned about the following scenarios : 1. this is a fraudulent advertising for getting consumers ' information for illegal or shady purposes.
2. this is discrimination.
3.if none of the above, then this process of obtaining their credit card is extremey restrictive and probably more than 90 to 95 percent of applicants would not qualify.
if this is the case, then why advertise so much? and not communicating to potential applicants the fact that form 4506T IRS form will be required in addition to other requirements for obtainig their card.
it is not fair for consumers to share their private and sensitive information with this institution and lose points on thier XXXX score if they are not going to get approved.
Please help me figure what i have gotten myself involved in and how to resolve it.
thank you, XXXX XXXX
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| 04/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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When the fraud first occurred I called I notified the bank about all the transactions they said dont worry will take care of this yeah you wont be liable for anything fast forward to today theyre reporting the account as two months past due theyve added numerous late fees and interest and it says I owe XXXX dollars Ive called them since then and I spoke with the fraud department very nice guy he said oh were sorry we must not have gotten those transactions in with the original fraud claim OK so they missed a couple I wasnt mad as long as they would fix it but the trouble is is theyre not fixing it called the third time I was told the same thing that they were going to fix it not to worry but my account is still past due I should have a XXXX balance in addition to that I have contacted them through their website the message Center when they respond they never give me any answers never I have a long history of this it seems like no matter what I asked they never have an answer I mean I could ask what color grasses and they would say were not sure you should call this person or that person theres no help at all I dont know what these people are getting paid to do because they dont help your customers and then at one point you said that someone is calling me while I travel a lot and I travel internationally a lot so Im not always able to receive voicemails or phone calls but even when I get back to the XXXX I check my voicemails there is nothing from you and Im explain to you that I dont need you to call me I dont need you to say sorry I just need you to fix it in the final straw was he sent me a letter that is extremely vague I have absolutely no idea what it means in the letter I just want these last transactions to be fixed you made a mistake not me youre fine department admitted that already
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| 08/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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This complaint is due to nonresolution of the prior complaint, ID XXXX.
I appreciate XXXX XXXX 's response to my complaints filed through the Consumer Financial Protection Bureau and the Attorney General of Pennsylvania. I also appreciate receiving a credit of {$690.00} to my statement dated XX/XX/XXXX.
In my original complaint ID XXXX from XX/XX/XXXX, I requested 1 ) that the error be corrected, 2 ) that any finance charges related to the disputed amount be credited to my account, and 3 ) that I receive an accurate statement. In Barclays Bank 's response authored by XXXX XXXX and dated XX/XX/XXXX, Barclays is unable to substantiate the claim that I continued to accrue finance charges related to the fraudulent charge. I am submitting a schedule that details substantiation for the claim that I have continued to accrue finance charges related to the fraudulent activity on my account ( encl B ). Additionally, I am submitting copies of the monthly statements showing the interest charges, monthly account balances, and my regular payment of those balances ( Encl B1-B7 ).
You will see that my XX/XX/XXXX statement includes the fraudulent charge as well as a finance charge of {$22.00}. With each statement, I paid the statement balance less the {$690.00} fraudulent charge less the interest charged for the current billing cycle less the total prior interest charges. As you can see on my schedule, each month I paid the statement balance in full less the total amount that was disputed.
As in my original complaint, I will not consider this matter closed until I am refunded {$180.00} in total finance charges related to the fraudulent charge. I attempted to call XXXX XXXX twice regarding this matter but received no response to the voicemails I left, so I am sending her the correspondence in writing.
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| 12/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Letter sent to credit card company below To whom it may concern, I would like to reopen this case where the merchant XXXX XXXX has charged me {$190.00} without authorization on Thur, XX/XX/2022. The merchant XXXX XXXX is a hotel that I stayed in from Mon, XX/XX/2022 to Fri, XX/XX/2022. I made my first transaction with the merchant on Tue, XX/XX/2022 for {$280.00} to confirm my reservation. I received an email confirmation with the total cost of the reservation {$570.00} and remaining balance of {$280.00} to pay at the hotel. On Sun, XX/XX/2022 an additional guest was added to the room and the remaining balance increased to a total of {$670.00} to pay at the hotel. On arrival at the hotel I was charged the remaining balance and signed papers confirming the amount I was being charged for. My guest and I did not participate in any activities during our stay that incurred additional cost. However, during my stay I noticed a charge of {$190.00} posted to my transaction activity but I did not authorize the charge. I do not know where the charge is coming from and have not been provided with any detail regarding the charge by the merchant. Upon checking out I asked the front desk worker about the charge and they did not see the charge on their end. I assumed this was fraud and someone illegally gained access to my card. After my dispute was rejected by Barclays I called the hotel again, a XXXX number which may incur charges. I was placed on hold for over an hour trying to get in contact with someone. I recorded the conversation with the front desk worker who stated they did not see the charge on their end again and I would need to speak with the invoice department. I then waited on hold again to reach someone in the invoice department who has yet to provide me with an invoice regarding the charge.
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| 01/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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Without my knowledge or consent, someone charged {$8800.00} to my XXXX XXXX XXXX XXXX Barclays credit card. When I called Barclays to file a dispute, XX/XX/XXXX immediately after discovering this, Barclays refused to open a dispute. They said they do not do this, first I have to wait 2 weeks and try to resolve my self. XX/XX/XXXX, I attempted to resolve with the business ( I do not know which employee committed the act. ). One manager initially acknowledged a mistake had been made and was going to refund my card. When I went in for credit, a different person was there and threatened me ( I have a witness ). XX/XX/XXXX I submitted a written dispute letter with a case number, to Barclays. Barclays never sent a letter acknowledging the total inn spite of repeated requests for one. XX/XX/XXXX I received a letter, but it had a different case number. In XXXX I did receive a partial credit ( {$3200.00} ) Barclays said there had been no response from the merchant. In XXXX I continued to call asking why a different case number but no one knew. A 3rd number was assigned in XXXX where the representative said she would attach the new file number to the original XX/XX/XXXX letter. I sent several written letters and have attached all evidence in section 3 with specifics and my original dispute letters, proof of on time notice ( Fax company ) and Barclays response.
Barclays assigned two more case numbers following the original assigned case number and dispute letter. In XXXX I received notice from Barclays that said I had not filed in time. During all the months I was told the " back office '' was investigating this, I called and checked in and believed Barclays was doing something. Please read my attached detailed chronological list of events. Worse now, is I have to pay interest on a fraudulent charge.
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| 08/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I closed my JetBlue credit card with Barclays Bank Delaware XXXX XXXX ( account ending XXXX ). I received an email from Barclays on XX/XX/XXXX, for my payment ( account ending XXXX ). I called Barclays and told them it wasn't my charge and that the card I had with them previously ( XXXX ) had been closed the year prior. I wasn't sure where account XXXX came from or why it was tied to me.
They filed a fraud charge and said I'd be notified.
I received another email on XX/XX/XXXX, saying I can explore payment options. I called and spoke XXXX ( ID no. XXXX ) with the fraud department directly and he stated there was proof from the store the charge that was made was mine. I asked him to mail me, email, or text me the proof.
He stated that once I receive the proof I can dispute the charge with them directly by writing a letter. I told him the entire situation made no sense because he was giving me XXXX account number over the phone that didn't match the ending account number in the emails requesting payment - AND, the account I had with them previously had been closed for close to a year. He said whomever I had spoken with to close my account never closed it and it remained open.
I've now called the fraud department twice asking for the proof they say they have against me and I have yet to receive it. I'm unable to file a dispute with them because they won't send me the proof ; however, they are reporting late payments on my credit report, which was stellar before this whole situation. Now my credit score has gone down significantly and there's little I can do about it.
I can't find a resolution with the credit card company and they're holding me hostage because I refuse to pay for a charge that's not mine, on a card that I had closed the year prior and they're ruining my credit score.
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| 01/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
Servicemember |
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On XX/XX/2021 I made an error when I tried to pay my credit card bill using online bill pay and filled in the wrong line. The check was sent to Barclays instead of XXXX, the holder of my current account. On XX/XX/2021 Barclays received a check from my bank XXXX XXXX XXXX for {$6400.00} paid to an XXXX credit card that had been previously serviced by Barclays.
I called Barclays on XX/XX/XXXX when I discovered the error. A representative from the online bill pay company was with me on that call. She sent a copy of the check to Barclays. I later called Barclays again and spoke to XXXX who asked me to send him a copy of the cleared check at XXXX. While we were on the phone he told me he had received the copy. A week or so later I got a call from XXXX DE telling me that a check would be processed and mailed to me in 2 to 4 weeks. I have received nothing.
On XX/XX/XXXX I spoke to a person in the complaints department who told me there was no record of receiving a copy of the check and no refund has been sent. I also wrote a letter to Barclays on XX/XX/XXXX detailing my issues and never heard back from them. I called again later that week. After being transferred to a manager, they gave me a case # XXXX and told me they would work to have a check mailed out within ten business days. I called again after 2 weeks and they said the check was mailed out on XX/XX/XXXX. It is now XX/XX/XXXX and I have received nothing.
I called again today to find out what the holdup is. They insist the check is out but I could walk it from Delaware in this amount of time. I have requested that they cut me a new check and send it via XXXX but they will not do that. This is not an insignificant amount of money and they have been holding it for four months. Please tell me what do I have to do to get my money back?
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| 08/23/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Older American, Servicemember |
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my mother in law ( shes XXXX, & XXXX recently diagnosed ) opened an account around XX/XX/XXXX.it had a {$9600.00} limit, she had excellent credit her entire life ( she is a retired accountant ) anyways, they mailed the card, she activated it, used it a couple times and the company contacted her for proof of her identity via documents fax/mail.this was in may.all together we have faxed the documents at least 4 times, they have been mailed just as many, and she has continioisly been told the account was frozen.havent been able to do anything with it, they still ak for her documentation.well they sent a statement and there are charges made on the account ,1 in XX/XX/XXXX and 1 in XX/XX/XXXX.maybe a {$90.00} total, but how is it even a charge if the account is frozen.
she depends on her credit cards to survive and this happening in XX/XX/XXXX has caused a snowball of downward domino effect thing.cell phone is disconnected.her lights and water will be turned off today or tomorrow.we have had to get help from family and friends just to get her pull ups, and I ont mention she has no groceries in her house.
her credit score is now XXXX.we cant even get her a consolidation loan because of the recent negative marks on her report.
yeah all her accounts are behind, but look at her entire history, this woman has never once been late on anything.its very obvious in the last 9 months to a year just thru her finances, that something was wrong.please help me ... .PLEASE??? I live in the home with her, my husband ( her son ), and my XXXX teenage kids.i do n't know what else to do.
as for contact with the card company they told me I would have to wait and talk to a manager and that would be when they could return my call.why cant they just unfreeze the account and fix what was done and that will be that?
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| 02/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I disputed a transaction for {$99.00} in or around XX/XX/2021. The amount was credited per the normal dispute process. While on the phone with Barclay 's support, the representative credited a late fee, we determined the total balance due, and I then made a final payment to bring my account balance to zero. Subsequently, I received notice via post, that the XXXX dispute was found to be in my favor and the matter was considered closed. However, the credit that was returned to my account was only approximately {$94.00}, not the full {$99.00}. A balance for approximately {$6.00} was carried over and I was charged late fees and interest. I contacted Barclay 's multiple times each with promises that the issue would be resolved. It has yet to be resolved.
Finally, I became aware the issue was still not resolved, and I had been reported to the credit reporting agencies. I contacted Barclay 's again. This time they agreed there was still an outstanding issue, but there was a new charge of {$29.00} that had contributed to the late fee, so there was nothing they could do except send in a ticket about the dispute. They did, and I subsequently received another letter stating I would not be liable for fraud on my account after their investigation, and the credit report could take 30 days to update. A few days later, I received the latest invoice with additional late fees and interest.
These are clearly billing errors, and nobody at the organization is taking ownership to resolve the issue. Due to Barclay 's poor business practices, they are " passing the buck '' from department to department to my detriment. They have violated multiple federal laws in the dispute and credit reporting processes, and I am beginning to accrue significant damages as I am currently in the process of purchasing a home.
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| 09/28/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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We booked a XXXX XXXX on XX/XX/XXXX. The first payment charged on that same date, was {$3100.00}.
Additional monthly charges were : XX/XX/XXXX {$1300.00}.
XX/XX/XXXX {$1300.00}.
XX/XX/XXXX {$1300.00}. totaling {$7200.00}.
We cancelled due to coronavirus on XX/XX/XXXX. XXXX issued a refund minus a {$200.00} administration fee.that date.They told us it may take up to 90 days for the refund to post. totalling {$7000.00}. We waited patiently for 90 days. No refund. After the 90 day mark XXXX I contacted my Credit card company, Barclays Bank XXXX I mailed all supporting documents, [ required after a 90 day window. ] I then waited.
On XX/XX/XXXX I received 2 letters from them. One stated a dispute was being investigated for {$3100.00}, Case # XXXX .the other for $ XXXXCase # XXXX. I then tried to get in touch with them about my other 2 charges. The dispute office is closed on the weekends.
After a few more attempts, I was able to get thru. A customer service agent told me the other 2 charges weren't being disputed, because I didn't break down the charges by month on my cover letter. I argued, that in my cover letter, I gave the total amount due, explaining the breakdown was in my supporting documents. Only then, did they open up disputes for the other 2 payments.Case # XXXX and # XXXX. These letters were dated XX/XX/XXXX. I have called numerous times about this issue. on : XX/XX/XXXX [ XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX On Each of these phone calls, I asked to speak to a manager. I was told a mgr will call me back. To date, I received no calls from a mgr. Usually, In dispute cases, They credit the amount immediately. they have not done this. We are at the 40 day mark, and I feel I am getting the runaround!
p.s. I have received one credit on XX/XX/XXXX for {$1300.00}.
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| 07/13/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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Synopsis : Barclays has negatively impacted my credit score by reporting I have missed payments twice in a row. However, these missed payments were due to their auto-pay system and customer service agent error.
Timeline of events : > XX/XX/2018 * Setup Auto-Pay & received email verification. Nowhere did it state that auto-pay takes one full billing cycle to take effect.
> XX/XX/2018 * 1st missed payment due to crooked Barclays misleading auto-pay system > XX/XX/2018 * When I realized the auto-pay didn't work, I called crooked Barclays to dispute 1st missed payment which brought my credit score down almost 100 points.
* Barclay customer support agent credited late fee back, cancelled auto payment and posted payment of {$60.00}.
* She assured that my auto payment for XX/XX/XXXX would come out automatically.
> XX/XX/2018 * Payment of {$60.00} posted.
> XX/XX/2018 * Auto-pay for XX/XX/XXXX should have come out but did not due to being cancelled by Barclays customer support agent on XX/XX/XXXX.
> XX/XX/2018 * Called crooked Barclays to dispute 2nd missed payment * Spoke with a supervisor from crooked Barclays. She told me that the late fee would be credited on my next statement and that she would file a formal complaint so that my credit score would not be affected adversely again and also so this would not happen again since it was an agent error.
* She said the auto payment of {$50.00} was setup now to come out on XX/XX/2018.
Conclusion : I do not trust Barclays nor do I feel anyone should after what I've been through. I appreciate the supervisors assistance, however, I do not want to sit by and this happen again. I'd rather have this documented and also allow others to be aware of this crooked credit card company. I intend to pay this iPad off very soon and be done with them.
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| 08/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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on XXXX XX/XX/2023, Barclays called me, on a recorded line, to ask about 3 charges to XXXXXXXX XXXX XXXXXXXX for {$610.00} each. I told them they were not mine and it is fraud. They told me they would remove the charges and cancel the card and issue a new one. My XX/XX/XXXX statement showed these charges as mine. I spoke with them and was told it takes 3 months to remove the charges. XXXX, XXXX, XXXX, XXXX and XXXX statements continued to show the charges along with interest and fees.
I did receive a letter from Barclays dated XXXX XXXX stating I am not responsible for the charges. I called after receiving the letter asking when the charges were being credited off. ( they recorded the call ) I was told another 2 months.
I contacted Barclays again on XXXX XXXX, on their recorded line, to ask why the 3 fraud charges and interest and fees have not been removed. They said they would remove al the fraudulent charges and fees. They credited back the 3 fraud charges but not the interest and fees on XXXX XXXX. The interest and fees as of XXXX statement are {$250.00} I called 3 times today to get the interest and fees removed. No idea if they actually did it. I was not allowed to speak to a manager.
The collections department has called me 4 times and hung up without speaking with me.
Saturday XXXX XXXX XXXX XXXX Saturday XXXX XXXX XXXX XXXX Monday XXXX XXXX XXXX XXXX Monday XXXX XXXX XXXX XXXX Not only is the manner that Barclays handled unprofessional, I believe they are creating fraudulent numbers to make Mangers bonus ' better and the numbers look better for the stock holders. Keeping fraudulent transactions, charging fraudulent fees and interest on customers accounts is illegal. ( padding the books or cooking the books ) Over 5 months to take care of simple issues is not acceptable.
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| 12/10/2017 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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On XXXX I went in to work and was told that a man named XXXX had been repeatedly calling and asking for me. My co workers stated they would tell him that I was off, and he would call back an hour later. He called several times a day over the course of 2 days that I was off. He called around XXXX pm, and I answered the phone. He told me was with XXXX XXXX and he was trying to collect a debt. I asked him to not call me at work, and he stated he was unable to get a hold of me on my personal phone, and he was left with no option. I told him I would call him after I got off work, asked for his phone number. I then hung up. He immediatley called back to my work, and said if I take care of this today the calls would stop. I am steady asking him not to call my work. He continued to say he would call as often as necessary to get this debt taken care of. I literally begged him to leave me alone, I said I can not do this at my job. I agreed to the terms he requested for repayment and said I will call after I get off to set this up. I told him I do not have my bank account information with me. He said that he would not get off the phone until he had set up payment arrangements. He then started to read my credit report to me, and asked what my employer would think about it. At this point I am XXXX, and said you are going to make me XXXX XXXX XXXX. He responded, that 's not necessary, just take care of this and the calls will stop. I did not have my banking information to set this up, and I could not hang up or he would call right back. All of my co workers and boss were looking at me, I just stopped talking. He eventually hung up on me, and did not call back that day. He had me on the phone at my work for over 30 minutes. I can not lose my job, and I am terrified the calls will start again Monday.
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| 11/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I had a Barclays View Mastercard which incurred a fraudulent charge on XX/XX/2021, for {$530.00}.
I was unaware of this, and the card had actually not been activated at the time of the charge. I became aware of the charge on XX/XX/XXXX, when I received an email that I had a payment due on XX/XX/XXXX.
I immediately called Barclays to report the fraudulent charge, and also to close the account. I was told by a Relationship Manager that an investigation would be opened, that the charge would be tagged as fraud, and that I would receive a confirmation of this.
This did not occur. After checking the account again on XX/XX/XXXX and seeing that the {$530.00} balance was still posted, I called Barclays again. Again I was told that the charge would be marked as fraud, and that it would be resolved within 24-48 hours. The Relationship Manager said that, in fact, it had not been tagged as fraud ( as the employee from the initial call assured me it would be ).
I was also told that identical charge attempts had been made previously on the card, but were rejected. Prior to my calling Barclays, I was never notified of any of this.
I checked the balance once again on the due date, XX/XX/XXXX, to find the balance still active. I called again, and once again, the Relationship Manager said that the charge had not been tagged as fraud, despite the assurances from both previous calls. Once again I was told that the charge would be tagged and resolved within 24-48 hours.
I requested written/email confirmation of this, but Barclays refused to provide it.
I am left with the conclusion that Barclays is simply lying about fraud investigations to customers. Due to their deception and inaction, my credit score appears likely to be hurt, because it will appear that I simply did not pay this balance.
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| 03/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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My wife and I applied for a Barclaycard credit card that offered a 0 % balance transfer. After we received it, we called and asked if we could use the card for a major life expense coming up ( {$15000.00} ) instead of a transfer and still get the 0 % deal. We were told yes, we could. We also had to ask for the credit line to be increased to {$15000.00} to accommodate this new expense. It was increased. We asked again to make sure we would have this expense at 0 %. We were told again, yes. But we had to pay the expense within a few days time in order to take advantage of the 0 % offer. ( We were both on the call and were both XXXX, we always confirm everything multiple times. ) We paid the expense the next day.
Then our first bill lands with a hefty 17 % interest rate. We called to complain and were told, basically tough luck.
We asked to speak to a manager, and went through the whole story and asked if they could change the terms to a 0 % card as we were promised. We were told no. We asked if they could review the tape of the first call. We were told no, that's not possible. The manager agreed that there was no reasonable way wed sign up for a card at 17 %, but they could not change it. However, she would forward it to a higher ranking manager to review the situation and get back to us within 30 days. ( This became XXXX XXXX # XXXX ).
After 30 days, we called them back and were told, again, tough luck. They admitted we were given wrong information ( i.e. we were lied to by their employees ) but still insisted it was our fault. ( Oh, and that department does not call back customers we were told this time. ) Its outrageous that they're so unethical and unaccountable that they freely admit that they give out wrong information ( i.e. lie ), and then refuse to rectify the situation.
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| 09/11/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XXXX XXXX : XXXX/XXXX/XXXX.
Credit Card : XXXX XXXX XXXX XXXX issued by XXXX XXXX Barclays Bank Delaware ).
XXXX XXXX : {$130.00}.
Merchant Name : XXXX XXXX.
Website : http : //XXXX/.
Description : The item arrived damaged in very poor condition. It has huge, open knot holes. The tips of the whales tail are missing paint. Apparently, it wasnt completely dry when shipped, as the tips were stuck to the cardboard packaging. There is a gouge in the wood, along with multiple splits and cracks. There is blue paint splattered on the XXXX XXXX teeth. Lastly, I paid extra for XXXX XXXX for outdoor display, but there is nothing that signifies it is an upgraded item. It simply looks like a rejected piece of plywood.
Website Description : This large XXXX XXXX XXXX, XXXX XXXX XXXX is swimming along with his mouth slightly open revealing his many XXXX XXXX teeth. His tail is turned so you can see the full width of its wings. A true symbol if the enchantment of the sea! Keyhole in the back for quick and easy hanging. He 's cut from XXXX XXXX plywood.
Sellers description says nothing about item having knots, splits, cracks, and/or gouges.
XXXX XXXX : Contacted merchant numerous times requesting a replacement or partial refund. Merchant refused.
Contacted XXXX Customer Service on XXXX/XXXX/XXXX : The back of my credit card statement states, " If you are dissatisfied with the goods or services that you have purchased with your credit card, and have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. '' Even though I tried in good faith to correct the problem with the merchant, and have not yet paid for the purchase, the XXXX Representative refused to open a dispute, nor honor the terms of the XXXX XXXX.
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| 01/29/2017 |
Yes |
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Web |
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Hello, XX/XX/XXXX applied for and received a Barclaycard Mastercard as part of an effort to rebuild my credit. As is the case with folks with less than perfect credit, the card had an exceptionally high interest rate and onerous fees for everything. Right off the bat there were issues with access my account, viewing statements, but I paid as I spent, and my limit was only {$2000.00}.
At one point XX/XX/XXXX, I was nearly at my limit. I paid a minimum payment, and then set up my bank to pay automatically, and I put the card away. Somehow the minimum payments just seemed increase despite the fact that I was not spending on the card. I did n't notice this for some time because I did n't think they would increase if I had n't spent.
Then the calls came, multiple times a day, disrupting me at work. Half the time no one was on the line. They called when payment was due, the same day I made a payment, the day after, and I got emails telling me I was near my limit, thanking me for my payment, telling me my statement was ready. Each month the minimum payment was climbing by $ XXXX+. I could n't pay that, and I continued with the automatic payments at less.
XX/XX/XXXX my last statement said my minimum payment was {$700.00} - on {$2000.00} limit card? Then I received a letter that my account had been handed over to a collection agency. No warning. No letter or email or voicemail. Just XX/XX/XXXX statement, and XX/XX/XXXX collection agency. Efforts to talk with them just get me diverted to the collection agency.
All the work I had done to repair my credit destroyed, and not so much as a warning. I was told making timely payments was most important, even it they were not full amount.
This has been devastating. It was a terrible decision, and Barclay is a terrible and predatory organization.
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| 08/16/2015 |
Yes |
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- Advertising and marketing
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Web |
Older American |
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In an effort to establish an individual line of credit for my wife, we decided to obtain a credit card in her name. After exploring the many options available, and based on our needs, we elected the Barclay 's XXXX XXXX Dividend Master Card at an annual fee of {$89.00}. Specifically, we are retired and we travel often to visit our children in other states. This card offered a {$99.00} companion ticket each year and a one day pass to the XXXX XXXX club. This would greatly assist us in our expenses during retirement and was the right choice for us. Application was made and she was approved on XX/XX/XXXX. At no time, in the literature or in any correspondence were we informed that this card was going to be replaced by Barclays Bank of Delaware with XXXX Master Card with less benefits. Shortly after we had paid our fees and made our first charges on the card we were notified that the card was going to be converted. After reviewing the literature and benefits available on the new card, we found that we would no longer receive the {$99.00} companion ticket or the one day pass to the XXXX XXXX XXXX as well as other benefits offered with the XXXX XXXX card. It appears to me that this was a " bait and switch '' offer and one that needs to be addressed by Barclays Bank of Delaware, XXXX XXXX, and XXXX XXXX. When I contacted the company, I was informed that I would receive one companion ticket that would have to be used by XX/XX/XXXX and one club pass that would have to be used by my anniversary date, XX/XX/XXXX. After that everything was no longer available. We would cancel this card, but to take out a credit card and then cancel it in a short period of time affects one 's credit. Since one of the reasons my wife selected this card was to establish her own credit, this is not a viable option.
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| 04/22/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
Older American |
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On XXXX a fraudulent transaction occurred for the amount of {$880.00} on my credit card at XXXX # XXXX, XXXX, FL. I was notified by XXXX XXXX Statement ( XXXX ) in my XXXX XXXX, XXXX statement advised them. On XXXX I was advised by XXXX the charge had been denied and had spoken with a XXXX. On XXXX. XXXX my XXXX statement arrived with the aforementioned charge still on the account plus fees and interest charges, totaling {$930.00}. XXXX XXXX, XXXX XXXX email advised a minimum payment of {$56.00} was due on card XXXX. XXXX XXXX. XXXX I contacted XXXX XXXX, XXXX, and she advised Case # XXXX was assigned by the Fraud Dept.
My XXXX XXXX, statement arrived with a balance of XXXX, credit of {$890.00}, a fee charge of {$2.00} and {$40.00} balance remaining. Called XXXX and the advised not to pay. XXXX XXXX, XXXX statement is {$40.00} balance, fees charged {$29.00}, balance {$69.00}. XXXX XXXX, statement same data. XXXX XXXX statement balance {$69.00}, {$29.00} credit, Fees charged {$54.00}, balance {$94.00}. Called XXXX XXXX XXXX, XXXX, to XXXX, concerning balance now at {$13.00} and would be removed by Monday. Other contacts XXXX XXXX, XXXX, XXXX ( phonetic ), ID, XXXX, and advised account would be cleared as well as the XXXX credit bureau. XXXX XXXX, XXXX sponke to XXXX, ID XXXX and she advised account would be cleared and the credit bureaus. Apr XXXX, XXXX XXXX ID # XXXX, XXXX balance will be indicated on account. XXXX XXXX, XXXX statement recieved balance of {$94.00} and on thier web site. XXXX XXXX, FICO score of XXXX, XXXX, XXXX reduced to XXXX in XXXX XXXX. So far XXXX has not corrected this problem and I have detailed documents of all statement. XXXX has charged meet {$15.00} to XXXX replacements card that I did not order express shipping which adds insult to injury with company.
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| 07/26/2015 |
Yes |
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Web |
Older American |
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I was offered a Barclay credit card XXXX XXXX to make purchases at XXXX. This was a deferred interest credit card. I made timely payments however little if any of my payments was ever applied to the original balance. In XXXX XXXX and an interest charge of {$520.00} was applied to my account. When I inquired I found a tricky and deceptive practice and seek relief. In XXXX of XXXX I asked if the same credit card could be used for other purchases. Barclay responded yes however I was not told or informed at that time how the other charges would accrue or payments would be applied. Upon the charge of {$520.00}. in interest I attempted to find this information in my statement and could not. I did find on their website that in the last two months payments are applied to the minimum due and the rest to the original purchase deferred program. Those months ( 60 days ) are the only time that payments are applied to the original purchase. Candidly this seems tricky and I dispute the interest charges made. In addition, this issue has affected my credit rating which I have been working on very diligently for some years. I feel tricked and angry about this matter. I request remedy from your Agency. On searching the web I found other similar complaints about the Barclays XXXX deal and found that many people share my concerns and my frustrations. My goal is to have the {$520.00}. XXXX time interest payment removed so that I may pay off this credit card. Coincidentally in the last 60 days I did in fact make {$1000.00} in payments even though I was unaware of this rather deceptive matter. That would mean that in over 2 years and nearly {$5000.00} in payments little or none was applied to the original purchase. Clearly that is intentional to gain revenue for Barclays and for XXXX.
Thank youXXXX XXXX
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| 08/03/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I HAVE A JET BLUE CREDIT CARD ISSUED BY BARCLAYS BANK. AROUND XXXX OF XXXX, MY CARD WAS USED FRAUDULENTLY FOR NEARLY XXXX XXXX DOLLARS. I CONTACTED THE BANK/CARD ISSUER, FILED A CLAIM FOR FRAUDULENT TRANSACTION. I WAS TOLD THAT THEY WILL CONTACT ME BY MAIL OR PHONE CALL IF FURTHER INFORMATION IS NEEDED. ABOUT A MONTH PASSED, AND WHEN I CONTACTED THE BANK, THEY TOLD ME THAT THEY HAD SENT ME PAPERS TO SIGN AND SEND BACK, AND I HAVE NOT, SO THE CLAIM IS CANCELLED AND I AM RESPONSIBLE FOR THE PURCHASE AMOUNT. I HAVE BEEN PAYING THE BANK FOR THE PURCHASES I HAVE NOT MADE, AND I KEEP ON ASKING FOR A PROOF THAT THEY HAVE SENT ME THE LETTER THAT I NEEDED TO RESPOND, HOWEVER, THEY ARE NOT PROVIDING THE PROOF THAT THEY SENT, AND THEY ARE NOT PROCEEDING WITH THE CLAIM, AS THEY HAVE CANCELLED THE CLAIM ALREADY. FIRST, CLAIMING THEY HAVE SENT THE LETTER THAT NEEDED TO BE SIGNED BY ME, THEN SAYING THE CLAIM IS CANCELLED AND I AM FULLY RESPONSIBLE FOR THE PURCHASES WHICH I DID NOT MADE, IS ABSURD. INSTEAD OF INVESTIGATING WHERE THE PURCHASES WERE MADE, REQUESTING SIGNATURES OR VIDEO RECORDINGS FROM THE MERCHANTS THAT THE CARD WAS USED, I AM TOLD THAT SIMPLY BECAUSE THEY SENT ME A LETTER ( WHICH THEY DID NOT ) AND I DID NOT RESPOND TO THAT LETTER. I ASKED THEM TO RESEND THE DOCUMENT OR EMAIL IT SO I CAN SIGN AND SEND BACK, THEY REFUSE TO COOPERATE.
BARCLAYS BANK IS THE BANK JET BLUE IS THE CREDIT CARD.
STAY AWAY FROM THEM. I AM ALSO SEEKING GOVERNMENT 'S ASSISTANCE FOR HELPING ME RESOLVE THIS ISSUE AS IT IS NOT ACCEPTABLE IN ANY WAY TO BE HELD RESPONSIBLE FOR NEARLY {$23000.00} FRAUDULENT PURCHASE WITH MY CARD. I WOULD NOT BE PAYING THEM ANY XXXX HAD IT NOT EFFECTED MY CREDIT HISTORY. THAT IS THE LEVERAGE THEY HAVE THAT THEY KNOW I WOULD HAVE TO PAY BECAUSE IT WOULD MESS UP MY CREDIT HISTORY.
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| 07/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XX/XX/2020 email was sent to Barclay bank asking for forgiveness due to Covid19 Pandemic. Account was not past 30 days late at the time of enrollment into Program XX/XX/2020 Barclay bank confirmed and acknowledged enrollment.
The following month Barclay began reporting the account as 30 days late.
All phone lines to Barclay were shut off as result to Pandemic. I sent at least 5-6 emails disputing the mistake that went unresolved. In addition, 1 fax was sent in early XXXX. 2 certified mail letters sent to Barclay all UNASWERED and over 2 months ago. In total 3 months of erroneous and incorrect reporting has decimated my credit during the Covid19 Pandemic despite the accounts enrollment into assistance program. Late Fees continued to be assessed as well. Letters and emails specifically cited the violation of CARES act, and provided evidence of enrollment- no correction has been made to date.
Last week the final email was sent again citing the law and demanding this time a supervisor 's attention. Two days ago Barclay response " Supervisor reaching out to contact within 24-48 hours ''.
As of todayXXXX the account is still reporting 30-60 late.
It is worth mentioning : Consequently because of this 30 late reporting +3 months now another creditor XXXX XXXX, After pulling a soft inquiry into my credit last month has apparently seen and learned from Barclays that this okay to do. Since Barclays has gone uncorrected for so long XXXX XXXX has Now has decided to go back in time 3 months previous and to change what had been reporting as ON TIME to now 30 days late -replicating what Barclays started. This error has now caused a domino effect to spiral out of control with now 2 creditors and my credit has been torn apart as a direct result, all while trying to get through a pandemic.
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| 04/29/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
Older American |
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To whom it may concern, I am very distressed having to write this letter but I see no other way to resolve this issue. On XX/XX/XXXX I decided to get a loan to pay off my credit cards. My Barclay card was to be paid off at XXXX dollars. The bank distributed the checks to the various creditors ; I provide the statement payment stubs with the corresponding envelopes. Somehow the Barclay payment never made it were it was going. All payments were made with official bank checks. When I received my XX/XX/XXXX bill from Barclay I noticed the {$3100.00} payment was not there. I just figured it had not posted yet. When I got my XX/XX/XXXX bill and it still hadn't posted I contacted my bank they retrieved the canceled check and called Barclay. The bank has faxed and emailed the canceled check to Barclay several times. Barclay finally came up with the answer that the check had gone to the wrong bank, were some of their accounts had been sold too. The bank and I have been calling Barclay Almost every week to no avail. I was told in XX/XX/XXXX when the investigation started I would not be charged late fees or interest until the matter was solved. I on XX/XX/XXXX and XX/XX/XXXXBarclay called 5 to 6 times I returned their called assuming they were going to tell me the problem was solved, they informed me I owed them a XXXX past due payment .I informed them as far as I was concerned they were paid off I have a canceled check made out to Barclay . We have been dealing with this since XX/XX/XXXX every time you call them you get someone different to speak too, the last supervisor I spoke to tried to get a specialist to speak to me, he was told none were available. I really need help resolving this matter ; it is putting a strain on my mental health and my marriage Thank you for your time, XXXX XXXX
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| 06/16/2017 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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This is a debt/judgment that I owe and I am trying to pay ( that was not an option for me to choose on the previous page ). On X/X/17 I tried to pay a collection agency XXXX XXXX XXXX of what I owe from credit card from Barclays bank. I used their website to enter my checking account information. I received a receipt that I made the payment. A week passed and the collections agency did not take the money from my checking account. I called the XXXX XXXX XXXX to tell them that the money was still in my account and a representative told me that it was ok it took time for the funds to be removed. Another week passed and the funds are still in my checking account. I called again and another rep. told me they received word they could not find my account that is why they could not retrieve the funds. So I asked this Representative that I can pay the debt now and they told me no because my account is closed. The told me I had to cont act Barclays. I called Barclays to see if could pay them and they told me no too because my account was closed. XXXX XXXX XXXX told me they would have to ask Barclays for permission to open the account so I can pay my debt. As of today, X/XX/17 I still can not pay them and I feel like they are playing a game with me. I have never heard of a credit card or collections company that would not take a payment. I am trying to rectify this because I am in in the process of trying to purchase my first home and the judgment has to be off of my credit report. Also, my credit report says money due is {$2300.00} but XXXX XXXX XXXX says I owe {$2600.00} that I have been trying to pay. Is that legal they are charging me more? All I want is to rectify this, pay what I owe so it can be taking off of my credit report. Can you help me?
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| 10/02/2015 |
Yes |
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- Customer service / Customer relations
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Web |
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On XXXX XXXX, 2015 I notified Barclay Card customer service that I was going to order some products for my daughter in XXXX. I notified them so they would know the charges were not fraudulent. However when I placed the order Barclay Card denied the charges due to possible fraud. I called them back and was told I needed to place the orders over again. I questioned the representative because I was concerned about getting duplicate orders. He assured me that I would n't get duplicates and I needed to re-order. I followed his instructions but indeed, the orders were duplicated. When I discovered this, I contacted the vendors and was able to stop XXXX deliveries while XXXX vendor told me to donate the duplicate to charity. I called Barclay Card and complained. This was Barclay Card 's mistake, I 'd been inconvenienced enough and I was n't going to burden my daughter by asking her to return any mailed merchandise. She is a student in a foreign country and has enough to do. I wanted Barclay Card to refund me ( {$39.00} ). I was told they would investigate the charges and refund me if needed. The representative later left me a voicemail stating she was " following up '' and I could call back " if I wanted ''. I called back and spoke to a different representative who assured me the charges were " being disputed ''. Several days later, XXXX XXXX, 2015 I called to find out the status of my complaint. I was told there was no case number, no dispute, I would receive no refund. Barclay Card : 1. Denied charges after I called to tell them to say the charges were n't fraudulent ; 2. Told me to re-order merchandise, assuring me it was necessary and I would not receive duplicate orders ; 3. Misled me that they were investigating and would issue a refund if needed ; 4. Refused to issue me a refund.
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| 11/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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|
Web |
Older American |
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I have lost over {$15000.00} to Barclays Bank, and I am complaining to get it returned.
I had a large credit balance -- more than {$15000.00} -- on my Barclays XXXX due to a cancelled trip where my money was refunded to the card. I called into Barclays to request the money be sent to me. I was told they would have to send me a check, and that there is no way to send it by express mail or to deposit it electronically. ( I pay my bill electronically, so ironically they can withdraw from my account, but not deposit ). How convenient that it only works one way in their favor.
The check is lost, and so is my money, and they have lied to me about it. The credit balance has disappeared. The money is gone.
I called into Barclays approximately XXXX XXXX XXXX on Monday, XXXX XXXX, and requested another check be sent. I was told it would go out regular mail again, and I complained to a supervisor who finally relented and said they would send it out Fedex, but it would still take 3 to 5 business days.
I have not received the check, and I called in this morning, XX/XX/XXXX, and was told by another supervisor something completely different. No check has been sent out and they will not use express mail, and what I was told on XX/XX/XXXX by a supervisor is not true! I think I was lied to just to get me off the phone. Even worse, I can get NO INFORMATION whatsoever as to the status of my money, and this latest supervisor even stated that it could be one to two billing cycles (! ) for them to re-process my {$15000.00} refund. I am not OK with this at all. They are stealing my money or at least the use of it. It's outrageous that they can receive payments electronically, but not send them back electronically. This is abusive, and it is intentional, and I have been lied to in the process.
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| 03/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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It's about Barclaycard visa card.
I applied and received this visa card since it offers promotional interest for large purchases. I used it to buy a laptop and an XXXX at the XXXX XXXX. At the time of the purchase, they offered 2 year deferred interest as long as I paid it off before the promotional period. I have been making extra payment to pay off the promotional balance. However, I noticed that there's still a residual balance even after I paid more than the statement balance. I called their customer service on XX/XX/19 and spoke with their representative and their manager. I was told there's nothing they can do because that's the way their system is setup. What has happened is their system has been applying my extra payment to transactions after the statement cut off date first. Therefore, even thought I've been making extra payments, it does not and never will be applying to the deferred interest balance. The only way is for me to clear the deferred interest balance is to make a payment for all transactions as of the date the payment is received by XXXX, regardless of what the statement balance shows.
What does not make any sense is this is a Visa card. All payments should always apply to the balance on the monthly statement first, not transactions happened after the statement cut off date first. This is not a debit card. I think they do this on purpose so that they can charge consumers extra interest without formally telling them how they setup their system. Once again, another corporate fraud trying to trick honest, hard working American consumers.
I think XXXX not only needs to revise the way their system is setup, but also need to pay a fine and penalty to all consumers impacted by this fraudulent setup. This is another fraudulent act triggered by corporate greed.
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| 02/03/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On or about XX/XX/2020 we made a reservation for a XXXX in XXXX, XXXX and paid a deposit of XXXX to reserve the place which was going to be used to celebrate my XXXX birthday on XXXX XXXX.
Then XXXX happened and we could not travel. We disputed the charge with my credit card company ( Barclays Credit Card Account # XXXX ) and the bank said that they could not dispute this amount because the merchant had no refund or cancellation policy that dealt with XXXX.
While I understand that the merchant had a no refund cancellation policy that dealt with XXXX, I would like to appeal the rejection of this dispute on the grounds of extreme unforeseen circumstances, since no one really could predict this pandemic and no company was having a clause for this item back in XXXX when I booked the place.
Given the current pandemic, there is no way we will be able to travel to XXXX for the foreseeable future. We have contacted the merchant on several occasions and were informed we would have a year to claim our credit. This seems extremely unfair and a breach of the original contract, considering that there is no telling when we will be able to travel in the near future, let alone to an international destination, that is currently devastated by an ongoing and uncontrolled pandemic. As you may know, Mexico has seen an increasing rise of COVID cases totaling around 408,499 confirmed, with some experts estimating the real figures closer to 7 million, given testing limitations. It is unreasonable to expect anyone to travel to this destination safely within a years time and therefore we will not be able to claim our credit and forfeit the full amount of our deposit.
We sent a letter appealing the credit card company decision on XX/XX/2020 and Barclays Bank has not responded or resolved this issue.
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| 10/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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received letter from Barclays XXXX XXXX XXXX XXXX DE XXXX on XX/XX/2018 letter dated XX/XX/2018 letter states that they have pulled a credit report from XXXX consumer reporting agency and that the reporting agency with report they have lowered my credit limit and the reasons they give have nothing to do with being late nor information that they listed on the report. nothing has changed since i applied for credit card and also have had the credit card for years all ways paid on time no lates paid card off several times to XXXX 1.balance and they even showed the following : which i find isn't correct 2.deragatory public record or collection filed= which i have none 3.proportion of loan balances to loan amounts to high - which this card balance is higher now due to getting a cash advance to purchase home in florida 4.proportion of balances to credit limits too high on revolving accounts- this is very untrue 5.length of time accounts have been established- same amount of time on accounts with some new accounts and paid off items.
in addition they lowered and pulled credit report which made score go down and they state its because of that as well.
I am very concerned as to why this was done especially when i have never been late nor misused this credit card, ( my husband had barclay card as well and they sold off his account to XXXX ) so this is just really difficult to understand why after all these years and charging the card up and paying off and no lates they are lowering my credit line? and adversely affected my credit score by their decision when i haven't done anything to deserve the way they have handled this for " What Cause '' I find this is fraudulent and unfair as to their practices and card holders are ones that suffer the consequences of having a card with them.
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| 12/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
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Web |
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I have a Mastercard XXXX XXXX XXXX credit card for several years and always have paid the monthly balance in full. Recently, I agreed to transfer {$6500.00} to their 0 % promotional line of credit at a {$260.00} fee and I continued to use this card for other purchases. In XXXX, my credit card statement showed an interest charge on new purchases. I called to tell Mastercard that I paid in full all new purchases as I have done for several months. They initially say there's interest charge because of new purchases are accuring interest at time of posting the charge which never happened in the past ( but they ignore that fact ). When I speak with the supervisor, they say the interest charge is due to not paying 2 consecutive months payments in full up to that date of payment. So now I'm told in order to avoid a monthly interest charge on new purchases, I have to pay my monthly new purchases balance listed on my credit card statement as I always do PLUS I have to call them to get my current balance of new purchases as of today and include that amount on my payment. If I pay that total balance two months consecutively, then they will not continue to charge a monthly interest charge on my non-promo balance. I've called 3 months in a row to get this resolved. I even spoke with a supervisor and said if I pay x this month, then next month you will not charge interest, she said yes but I was still charged interest the next billing cycle. I'm frustrated with this operation and have only experienced this issue after signing onto the 0 % promotional interest rate. Although, I look closely at my monthly expenses, I'm concerned if other people who have the promotional rate are being charged this new purchases monthly interest and not noticing plus I'd like to avoid making this monthly call.
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| 12/05/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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on XXXX/XXXX/XXXX, I received a text message from my Barclay bank asking me if I authorized a cash advance on my credit card for a cash advance from XXXX XXXX XXXX for {$600.00}. I immediately called Barclay Bank and told them that I did not authorize any cash advance. They also asked me if I made a purchase at XXXX for {$9.00} also on XXXX/XXXX/XXXX. I told Barclay bank representative that I did not make this charge as well. My card was also charged for a cash advance fee of {$30.00} twice for a total of {$60.00}. I was charged a total of {$680.00} that included an interest fee of {$12.00}. I called Barclay bank Fraud department and the investigator told me that they would start an investigation. On XXXX/XXXX/XXXX I received a letter from Barclay Bank stating that I was not responsible for the charges and interest while they were investigating the disputed charges. On XXXX/XXXX/XXXX I received another letter from Barclay bank stating that the investigators concluded I was responsible for the charges.
on approximately XXXX/XXXX/XXXX I called Barclay Bank fraud department and told them that I did not make these charges and disputed them. Barclay Bank investigators told me that they would reopen the case and perform another investigation. XXXX XXXX, I received a statement from Barclay Bank stating that I owed {$690.00} that included a XXXX service fee and a {$15.00} interest charge. Again I called Barclay Bank and the Investigator told me that the investigation was still in process. The investigator told me that the chip was activated on the card and since the card was not reported stolen I was most likely responsible for the charges. I told the investigator that someone must have had a card sent to their house since my card was in my office and I did not make the charges.
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| 10/03/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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I applied for a JetBlue Plus card on XXXX XXXX due to an advertised bonus. On JetBlue website while purchasing flight tickets they advertised XXXX bonus points with a new jetblue card. There was a {$99.00} annual fee and I have never had an annual fee card so myself and my husband called the customer service number to confirm prior to applying. The rep confirmed the terms of the promo were that as long as you paid the {$99.00} fee and charged over {$1000.00} in the first 60 days you would get XXXX bonus points. I clicked the linked and applied for the card and received instant approval. I also took a screen shot of the advertisment and copied the " fine print '' to save for my records.
I then fulfilled both requirements and contacted Barclays ( the lender of the JetBlue card ) to see if I needed to do anything else. They stated it would automatically be credited after 60 days.
I noticed I only received XXXX points and immediately contacted them and they then claim that was bonus offer I applied for. I have repeatedly provided all of the documents proving that is incorrect. In fact the promo was widely advertised, even on the flight I took in may, and was still advertised during the period I was disputing and contacting Barclays. I also have several family members that have the same experience ( we were on a family trip so all applied ). Barclays has been unwilling to resolve this issue however I am confident that I took all the steps required. There was NO bonus offer for XXXX points advertised when I applied-I would not have applied. I have great credit and did not need the card the only reason I was willing to pay {$99.00} for the card was because it would be beneficial with the XXXX points which is why I ensured I was understanding the requirements. Please help resolve.
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| 04/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I have a credit card with JetBlue Airlines. Barclays is the issuer of the JetBlue credit card. My entire credit card balance constitutes of 2 different types of zero ARP promotions. I do not have any balance that is currently under APR. One part of the promotional balance expires in XXXX and the other promotional balance expires in XXXX. Knowing that I had a balance coming due to expire soon, I sent a payment to pay off that portion of the balance. After looking at my recent statement, I noticed that Barclays allocated part of my last payment towards the promotional balance that was due in XXXX and left an unpaid portion of the promotional balance that was due in XXXX. I have called Barclays to ask them to please use my entire payment to pay off the promotional balance that is due in XXXX, but my request was denied. I called Barclays 2 times and the second time I also spoke to a supervisor. The 2 times I called Barclays I was told that the way the allocate payments is it first goes to purchases, then to balance transfers and then checks. I told them that I was not aware of this, and this was never explained to me. If I would have known this prior to using their promotional balances, I would have had planned better how to pay the entire balance off. I asked where this information is disclosed on their website and both representatives including the supervisor told me that their website does not disclose this information. As a consumer, I feel that this practice is unfair. Barclays emails me lots of promotions encouraging me to use my JetBlue card, but they do not inform me of how my payments are allocate when there is no APR being charged. Barclays should make this information very clear to their consumers so that they can make better decisions before using their credit card.
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| 02/14/2016 |
Yes |
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Web |
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This is regarding the RCI Mastercard from Barclaycard.
I set automated payments through my online banking for a transfer I did over a year ago and payments were happening without any problem. The on XXXX XXXX, XXXX I learned that I owed over {$200.00} dollars in late fees, which was unexpected given the automated payments. I called and was told there had been an interest rate change that I did n't know about. Anyway, not only I proceeded to pay that fee but I also asked what the balance amount was so that I could pay it in full and have XXXX balance. The proceeded to pay the full amount but then on XXXX XXXX, XXXX I get a statement indicating a balance of close to {$1000.00}. Note that I made no use whatsoever of the credit card. I called again and the representative said it was balance left from the last payment. I insisted that I paid the full amount I was told to be at XXXX balance because I did n't want to have to pay interests. So then I asked again for the full amount to have XXXX balance and I paid immediately. Then last night, XXXX XXXX, XXXX I get yet another statement indicating that I still owe {$2.00}. This is unacceptable! I called and was told it was interest. Why is RCI Mastercard Barclay doing this? The only explanation is that by ripping of a few dollars out of hundreds of thousands of customers they are ripping XXXX dollars from us. I the end the representative waved that payment but ( a ) I may still get another statement next month and ( b ) the issue is not the amount but the act.
There should be a Class Action Suit against RCI Mastercard Barclay because this is deliberate abuse. I demanded all my conversations with RCI Mastercard Barclay to be recorded so that they can be subpoena.
It is the responsibility of the authorities to take action on this.
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| 01/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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Barclays is asserting a XXXX XXXX XXXXXXXX ( the " Card '' ) was opened by me, and I am required to pay the outstanding charges. The Card was opened fraudulently ( i.e., not by me ) and the items purchased using the Card were not sent to my home. This point was verified with the business where the purchases were made via the internet ( i.e., Banana RepublicXXXX XXXX via their Research Department ) and was conveyed by me and Banana Republic to a Barclays representative via a conference call. The Card was opened XXXX and Barclays emailed me on XXXX re what it believed was fraudulent activity on the account. I called Barclays that same day to confirm the Card was fraudulent, and the purchases were fraudulent as well. I have been discussing this matter with Barclays for approximately eight ( 8 ) weeks. Barclays conducted their investigation and concluded that the account is mine and I am responsible for the charges. This is despite the facts as stated above. I would note that more than one Barclays representative asserted that the purchases made were indeed delivered to my home, whereas it has been confirmed with XXXX XXXX that the purchases were not delivered to my home but were instead sent to multiple unrelated addresses. I strongly believe that Barclays did not conduct adequate due diligence and I believe this is a bad-actor pattern by Barclays to strongarm/stonewall/impede consumers who have suffered this type of fraudulent activity from resolving these matters efficiently and accurately. I strongly and firmly believe Barclays lack of truthfulness, unwillingness to work with me, and throwing up roadblocks throughout this process is simply Barclays trying to wear-down consumers and recoup losses from consumers who have been victimized in order to mitigate Barclays losses .
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| 05/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am a victim of identity theft. Someone opened a credit card in my name at the company Barclays in XXXX. I have never applied for this account. In addition, someone called Barclays on XXXX to dispute the account ( again not me, someone impersonating my phone number ), this caused Barclays to start and investigation which caused them to generate a letter to me at that time. I received that letter on XXXX and immediately called Barclays to dispute the account. I was told that the card was already being disputed. I then filed a police report, had affidavits of forgery and theft filled out. I have sent this information to Barclays who closed the original dispute from XXXX ( not me ) and said it was considered a valid account because they had phone records from XXXX to XXXX saying I called their company. Again, once I obtained my phone records confirmed they had no log of their number prior to XXXX and I have also sent this information to Barclays. Apparently, the person who stole my identity also spoofed my phone number. Also, I never received any statements from Barclays as they allowed the account to be opened with an old address and I never received them. This should have also been a red flag in Barclays application process as this was no longer a valid address. Also, Barclays allowed the person who called on XXXX to close the account with my new address which is how the letter they generated on XXXX was finally received by me on XXXX when I first learned of the theft. The forms I have sent to Barclays are as follows : Affidavit of Forgery ( Notarized ), Identity Theft Report ( FTC ) , County Police Report, Affidavit Identity Theft Victims Complaint and Declaration ( Notarized ), Copy of Driver License, and a Notice of Furnishers of Information and a Copy of my phone logs.
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| 09/24/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
Older American |
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Credit Card applied for during an Old Navy in store promotion, card received Navyist Rewards Mastercard through Barclays Bank. Purchased made in the amount of {$150.00}. Bill received for the purchases bill received for that and was paid electronically via our Bank on XX/XX/2023. Next we get another bill indicating payment not received and charging us a {$30.00} late fee and {$4.00} in interest. I contacted them and explained payment had been made they indicated they would check it. In subsequent conversations with the bank they said they received it and everything was fine. We get another bill showing everything due including payment we had proof had been sent to them. We faxed them proof of payment.
In XXXX we get another bill looking for {$170.00} and showing past due amount. Then they start calling me. I explained again what happened, they asked that I fax again I went to my bank cot a copy of their records showing electronic transfer to them on XX/XX/2023 with payment XX/XX/XXXX. I faxed those documents to them. I got another collection call from them on XX/XX/2023 at XXXX, on a call that said the line was being recorded, telling me I was late with my payment. I spoke to XXXX XXXX XXXX, I asked her to see if they gotten my fax, she could not tell me. I explained to her the details of what occurred and asked her to check their records, she kept telling me that they never got my payment. I continued to ask to speak to a supervisor or manager and told her I hoped the call was being recorded and told her I would be filing a complaint and suggested she refer the call to a supervisor, after much discussion she said she would transfer me, she then proceeded to disconnect me. I never got a call back and I am tired of being harassed. I closed the account and shreded the card
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| 10/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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In XX/XX/2022, I got notified by my XXXX XXXX card that my XXXX XXXX had dropped significantly due to a late payment.
After further investigation, I found that my GAP card was the issue. I called the number on the back of my card and it routed me to Barclay ( with whom I had never had any interaction ). Barclay had trouble finding my account because my GAP card number had changed - without my knowledge.
A representative from Barclay told me that they had mailed me several notices that they were now the administrator of GAP credit cards.
I explained to them that I had elected to have all of my GAP correspondence be electronic as I travel 90 % of the time for work ( GAP also strongly encourages their customers to sign up for electronic correspondence ). I had also recently moved. Barclay stated that they only notified card holders via regular mail.
When I explained that without receiving any electronic correspondence and having my payments set up to automatically come from my bank account, I had NO clue that the administration of my GAP account had changed and I needed to make payments to them. The representative stated that there was nothing they could do to fix the error of reporting a late payment to Barclay, even though I had no knowledge of the change.
If GAP wants all of their customers to sign up to receive all of the correspondence electronically and then fail to electronically notify me that I need to make payments to another company, I should not be penalized.
I asked that the issue be escalated, and spoke with a supervisor who told me they can't correct the credit reporting error.
I paid the account in full, and closed the account.
I am formally requesting that the late payment report from GAP/BARCLAY to alXXXX XXXX credit agencies be removed immediately.
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| 06/11/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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The company issued me a credit card in XX/XX/XXXX/XX/XX/XXXX and regardless of the fact that I never made any late payments or missed a payment, never went over my credit limit, and continually carried a balance, they decided in XX/XX/XXXX to close my account. They never advised me of this fact and the only way I realized my account had been closed by them was to try to use my card and have it declined at which point I contact them and they advised they just decided to close my account. Couldn't provide a reason and refused to re-open the account. Interestingly enough, I have a cash reward balance on my account of {$39.00}. Redemption of cash rewards is done in {$50.00} increments, so basically they closed my account just shy of me earning a cash reward of {$50.00}, which I could redeem to my account balance. When I originally called to inquire why my card was declined, and inquired about the cash reward balance that was just shy of a redeemable amount, I was advised I could be transferred to someone who could help get whatever my current balance was credited to my account, but I was already late for work and said I would have to call back to handle that. I called back today and two different associates ( one supposedly a manager ) pretty much laughed and me and told me too bad, I would never be able to redeem the cash rewards until they equaled {$50.00} and since they closed my account it would never happen and too bad I can write a letter if I don't like it. Yet, they still expect me to make my monthly payment after they didn't have the decency to send me a letter that they would close my account or anything. These are reprehensible business practices -- - preying on consumers and closing their accounts just in time to stop them from earning or using additional rewards.
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| 03/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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|
Web |
Older American |
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First the credit card company has been wonderful about trying to resolve this complaint. The problem is XXXX XXXX refusal to admit to incorrectly force me to purchase another ticket in order to fly. XXXX XXXX shares with XXXX where I purchased XXXX tickets from XXXX, FL to XXXX, XXXX on XX/XX/2022 for travel on XXXX XXXXXXXX XXXX Everything seemed fine, including a valid PNR in my XXXX account to this day. Seat assignments email reminders were sent and acted upon with no problem. Upon arrival at the airport we were told that my wife 's ticket had been voided. We stood at the ticket counter for 3 hours XXXX told us that we would have to purchase another ticket. Since it was 45 minutes before the flight, we had no choice but to do so for {$850.00}. There was nothing in the computer in my XXXX PNR nor as of XXXX XXXX on the XXXX PNR. How would a ticket voided on XX/XX/XXXX remain valid in both airline systems to this very day. Additionally, XXXX did not issue the ticket until XX/XX/XXXX. Both PNR 's are attached.
XXXX does not maintain a customer service line and the only available communication is by chat. You can see that the agent in the chat, admits holding the ticket in question not as void but as 'not flown '. XXXX insisted i resolve the issue with XXXX.
XXXX, though, issued the new ticket as a XXXX ticket not as a XXXX ticket and therefore the new ticket was the property of XXXX. My credit card company has tried twice to get XXXX to refund the {$850.00}, to no avail.
I have never heard from XXXX or XXXX outside of the initial chat session. They document to my credit card company that the ticket was " VOIDED DUE TO REASONS UNKNOWN ''. How does that hold up anywhere. They don't know why the ticket was voided after 8 months time. Credit card company has all documents
|
| 06/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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reviewing the following accounts that appear on my credit report, which were reported without any authorization, is hurting me : XXXX Account Number : XXXX This is not mine.
5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
7. Identity Theft XXXX Account Number : XXXX This is not mine.
8. Identity Theft XXXX Account Number : XXXX This is not mine.
9. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine.
10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
11. Identity Theft XXXX XXXX XXXX.
Account Number : XXXX This is not mine.
12. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine.
13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
14. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
15. Identity Theft XXXX Account Number : XXXX This is not mine.
16. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine.
17. Identity Theft XXXX/XXXX XXXX XXXX Account Number : XXXX This is not mine.
18. Identity Theft XXXX Account Number : XXXX This is not mine.
19. Identity Theft XXXX Account Number : XXXX This is not mine.
20. Identity Theft XXXX Account Number : XXXX This is not mine.
21. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
22. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
23. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
24. Identity Theft XXXX Account Number : XXXX This is not mine.
25. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine.
26. Identity Theft XXXX Account Number : XXXX This is not mine.
27. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
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| 06/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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|
Web |
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I am complaining because my current credit company is holding my received payment for 7 business days claiming that they need this time to validate that my payments will not be rejected by my bank eventhough the money has already been withdrawn from bank the next day. I never had a situation like that before and put me at a disadvantage. I was never late and I been a member for more than 5 years.
Here is the explanation that I have received from the customer sevices.
Thank you for contacting us about your XXXXX Airlines XXXX XXXX Mastercard.
Wed like to inform you that an available credit hold is placed on an account as an authorization for the payment amount. The available credit may not be released immediately since the delay allows us to confirm the payment funds have cleared. Please know that we may delay increasing the available credit due to the fact that payments are not guaranteed, as they can be recalled by your bank.
When this occurs, the available credit is held for 7 business days and released as of XXXX XXXX ET on the next business day, as long as the next business day is not a holiday. Our records indicate the payment information is as follows : Payment Amount : $ XXXXX Payment Received : XX/XX/2020 Release Date : XX/XX/2020 Funds Available : XX/XX/2020 We apologize for any inconvenience this may cause ; however, were unable to release the available credit hold at this time. Since payments can be returned or recalled by your bank for up to 7 days, we generally place this type of hold until the payment is completely processed and the funds are guaranteed. Please know that your credit will be made available to you, after the hold has been removed.
If you have any other questions or concerns, please reply to this message.
Sincerely, Customer Care
|
| 08/16/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am a XXXX XXXX at XXXX University, XXXX, MA. On XXXX XXXX, XXXX, I became a victim of a scam and identity theft and I ended up losing {$3000.00} in gift card purchase ( {$2500.00} on Barclays credit card and {$500.00} cash ) after being threatened with arrest and deportation. I am a US XXXX XXXX and in hindsight, should n't have bothered to listen to the scammer who posed as the police sergeant from XXXX with all my personal info and convinced me on the phone that I had committed some unlawful act by not completing form XXXX. I filed a police report and referred to the following FTC link XXXX : XXXX which clearly states that in the case of stolen or fraudulent transactions, the user is not liable. As the police report clearly states, this is a case of " Larceny under false pretenses '' since the purchases were done against my will and under the influence of the scammer 's wrong claims. As a XXXX XXXX, I can not afford to spend more than a few hundred dollars each month and so a bulk charge of {$2500.00} should have been blocked by Barclays right away going by my spend history. Despite opening a dispute with Barclays and sending them the police report, they have declined to regard that and hold me accountable for the {$2500.00}. I would kindly and humbly request you to intervene and help me in this case by letting Barclays know of consumer rights and help recover my {$2500.00} back and try and nab the real culprits. The scam artist made me purchase XXXX gift cards from the XXXX XXXX store in XXXX, MA using my Barclays card. Please note the gift card numbers below : XXXX XXXX XXXX XXXX XXXX The XXXX XXXX store manager was n't able to fully verify if those cards had been redeemed but said there was no way to recover the money or trace the redeemers. Please help! Regards
|
| 06/18/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
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A debt collector called my in-laws looking for me and my wife. I don't know what debt they might be talking about as we are currently making payments on several accounts that went past due.
The debt collector told my in-laws to have me or my wife call a number. They gave my in-laws the number. When you call the number a recorded voice clearly identifies the number as a debt collection agency location service. The number they gave my in-laws is XXXX. My in-laws called the number and now know we are battling a financial problem and trying to get our debt straightened out.
We called the company and fixed the problem with our account. We also asked them why they called. They claimed they just called numbers listed on the account. We told them that regardless of the number on the account they shouldn't have provided my in-laws with phone number to a debt collection agency. For example, my kids could answer my cell phone. That doesn't give them freedom to tell my child a debt collector is looking for me. They completely disregarded our concern and demanded payment on the account.
They removed all 3rd party contact information from our account but before they did we confirmed that they had a hole slew of numbers that our not mine or my wife 's. For example, they had my wife 's ex-husbands number and his mother 's number as contact numbers for us. My wife divorced him over 10 years ago and neither he or his mother are people we associate with positively. In fact, we are in a custody battle with him because I am trying to adopt my step children for which he is the biological father. The last thing we need is them knowing we are also having financial issues. The company would not confirm whether or not they had called any of the numbers we had them remove from the account.
|
| 04/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
On XX/XX/2023 I paid my BarclayCard account statement balance in full using the Barclay website to pay from my non-Barclay checking account. The payment cleared my checking account on XX/XX/2023. Today, XX/XX/2023, I noticed that Barclay had placed a " pymtmonyhold '' on my account, reducing my available credit by the amount of my already-cleared payment. Barclay habitually does this just as I habitually pay my statement balance in full every month. I called Barclay today and spent an hour on the call with the representative, who informed me that Barclays still did not receive my payment from my bank. I called the branch manager at my bank and she informed the representative that the money left my bank and bank account on XX/XX/XXXX. Barclay acknowledges the payment ( see attached monthly statement ) but won't update my credit line accordingly, in violation of their own payment processing policies ( see attached payment processing chart on Barclay 's website ). The Barclay representative informed me and my bank manager that we needed to wait until this Friday or next Monday to take further action on this matter, to " see if the money arrives to Barclays. '' This was an ACH debit initiated by Barclays and my bank paid it on XX/XX/XXXX. Someone needs to investigate the payment crediting practices of this bank because they are nonsense. Foreign representative who barely speaks English much less understands US banking law and practice. It doesn't take 7-10 days for an ACH payment to be received by the initiating, debiting party. Barclays has the money, they are just being punitive. I've had this account for nine years and never had a payment returned by my bank, never missed a payment, and usually pay in full each month. Why is Barclay 's doing this to its best customers?
|
| 09/21/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
my XXXX credit card formerly issued with XXXX a visa card has been switched without my permission to the worst credit card company with the most unprofessional customer service. BARCLAY BANK never sent me a new card as per the agreement and the notification i received by mail!!! ..8 hours..5 phone calls had to leave my XXXX XXXX mother with a neighbour! ..my mother has received her card..an extra was given in my name..i am supposed to be receiving my own replacement card!!!!! i tried to register the card my mother got in my name..it is not working!!!! ..BARCLAY NEEDS TO BE MORE RESPECTFUL OF PROSPECTIVE CUSTOMERS! I WANT MY OWN CARD AS I HAD WITH MY XXXX XXXX CARD!! EITHER WAY..NO DEALING..NO RESPONSE..UNABLE TO REGISTER THE CARD MY MOTHER RECEIVED AS AN AUTHORIZED USER!!!. issue me replace my visa/XXXX with a credit card in my own name!!! ..i do not want to be an authorized user! i want a new cards in my name..only! you have no idea how frustrating and aggravating this is! i never miss ANY CREDIT CARD PAYMENTS! HAVE AN EXCELLENT CREDIT SCORE! 1 ) I WANT A NEW REPLACEMENT CARD FOR THE ONE DID NOT RECEIVE! i want to register it online so i can pay any charges that are incurred... i curse the day chase switched it's XXXX card to these numbskulls! ..i am considering legal action against BARCLAYS! ..please intercede on my behalf! i would have a better chance of talking to XXXX with a XXXX XXXX than these uncaring selfish idiots! they knew this was happening -- get more customer agents! ..please get in touch with BARCLAYS let them know that i did not get my own card!!!!!!!!!!!!!! thank you j. senning.see how you or anyone else would like to be on hold for 9 hours!!! i have enough to do... i do not need this unprofessional behaviour from a bank issuing this credit card..
|
| 06/11/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
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BARCLAYS-XXXX CREDIT CARD AMOUNT : {XXXX} Charge Off In XX/XX/XXXX I got approved for this credit card. Everything was fine until I notice some fraudulent charges. I started disputing the charges around XX/XX/XXXX and they didn't remove the fraud charges. I decided to close the account and to continue making payments. I tried several times to fix this issue and no one helped me. I have been calling them since then and no one is able to help me. I would like to take care of this account because is affecting my credit and damaged my financial history. On XX/XX/XXXX I made several attempts to fix this issue and pay even the final amount. XXXX ; XXXX I spoke with operator XXXX " XXXX '' and he said they settled my account to XXXX and that's all I need to pay. I asked him when that happened. He said back in XX/XX/XXXX. I told him my credit report still showing a negative charge off the balance of XXXX} and he said that is impossible. I requested to speak with a manager. He transferred me to XXXX at XXXX XXXX. XXXX told me the same I asked her that I want to speak with an account manager. She transferred me to XXXX at XXXXXXXX XXXX XXXX told me he was an account manager and he said to contact XXXX XXXX XXXX at XXXX. I contacted XXXX XXXX XXXX and XXXX answer the phone. I told him I want to take care of my account and he was rude and hung up the phone. I call the XXXX XXXX XXXX main number and a nice guy requested my social security number and he can not find any record under my name.
I need help from your institution to resolve this matter. Their poor customer service and collections department is affecting my financial life a lot. I have intentions to resolve this matter but they don't want to work with me. I feel someone needs to put a stop inmediately. Please help me.
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| 06/26/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX at XXXX PDT, I called Barclays customer service and spoke to XXXX ( ID # XXXX ) to understand my trip cancellation insurance benefit and to make sure that my upcoming trip that I was thinking about canceling due to the coronavirus outbreak would be covered. She confirmed that it would and I should call the same number and they will start a claim process and I should have the refund within 7-10 days. So that night I cancelled my trip and called your customer service the next day, XX/XX/XXXX at XXXX PDT and spoke to XXXX ( ID # XXXX ). He directed me to the department ( XXXX ) that handles the claims and I gave them all the information they requested. I was told I would get an e-mail within 3-4 business days ( Ref # XXXX ) I never got an e-mail and after waiting for a week when I called in I got a response that XXXX doesn't handle this claim and I should call Barclays. When I call Barclays, they say I should speak to XXXX and this loop has continued with no one actually listening to what I'm saying or helping, they just keep repeating the same thing as if reading from a script. I then contacted the Barclays Executive Office and received a call from XXXX ( Ext XXXX ) and she said she will look into the matter and call me back within a week. I never got a call from her, so I called her on XX/XX/XXXX and left her a voicemail - again no call back or response of any kind. I was told by XXXX that if nothing works I should open up a dispute and that would take care of it so on XX/XX/XXXX, I opened up a dispute and the charges were reversed. Now on XX/XX/XXXX, more than two months after this ordeal, i get a letter saying that they have rebilled my account. Again, when I called the dispute line they are clueless and just repeat the same canned lines over and over.
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| 03/09/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX I tried to make a balance transfer of {$20000.00} into my checking card per a promotion that XXXX was having. I kept checking to see if the money had successfully transferred, but after a week, I noticed it still was not reflecting in my checking account, although on my XXXX account, it was showing as done. After calling XXXX, I was told the money was transferred into a XXXX credit card account that does not belong to me. Apparently, the XXXX account has the same account # as my XXXX checking account, and come to find out, the balance transfer promotion was for credit cards only. I explained the situation to whoever I talked to and they promised to resolve it and get the money back into my XXXX within a week. A week goes by and the money is still not in. I check back about 5 times and Im told something different each time. XX/XX/XXXX, a month after this issue started, I call back and Im told NOTHING was done to try to resolve the issue so the complaint would be transferred to the escalations team and be resolved in a week. Another week goes by and nothing is resolved. Meanwhile, my monthly payment is due, Im trying to purchase a house, and things arent going though due to this issue. I called today to follow up, and again Im told nothing was done, and that I need to contact XXXX and get the issue resolved with XXXX. How exactly do they expect me to contact XXXX and ask them to give me an amount of XXXX dollars back when the credit card company is the one who worongfully transferred the money to them? I am beyond frustrated that it has been almost 2 months, and this issue hasnt been resolved. Im still having to make monthly payments on money that went to someone else, and on top of that, I am unable to close on a house as a result of this. Please help.
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| 10/04/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
Older American |
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I'm looking to purchase a new home. I checked my CBR and there was a Barclays XXXX XXXX Credit Card on file. I called Barclay 's and told them this was fraudulent. They told me that I had to, in writing, send them a letter requesting validation of the debt. I sent the letter and it was received by them on XX/XX/2019. In that letter, I stated the account was fraudulent - I never opened it. I provided my SSN, address where they could send VOD documentation, etc. I never heard back from them again until I called them almost two months later.
On XX/XX/2019 I called again and spoke to XXXX at XXXX XXXX. She validated that my request for VOD was received but no work was done on it. She told me they'd respond back with the VOD.
I received a letter dated XX/XX/2019 stating that they completed a fraud investigation and found that, " ... the charges were made by you or someone who had authority to use your account. '' They did not provide any validation of debt information - to this date, I've received nothing.
As such, I want this removed from my credit bureau and I still want the validation of debt information to get a better understanding of who might have done this.
By the way, I've never received such a nasty and unprofessional letter from a business in my entire life. They didn't even bother to ask me for a fraud affidavit to help with their investigation, so I question the validity of their " investigation. '' They have failed to provide me with the documentation that I've asked for. Per the FDCPA, they're required to do so in a timely manner and have not done so.
Please help. This is not my account. I was hoping to get the VOD before filing a fraud affidavit, but Barclays didn't even bother to respond back. They only responded back when I initiated the call.
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| 08/30/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Add-on products and services
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Web |
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I have a XXXX XXXX XXXX XXXX Credit Card by Barclays Bank. One of the advertised benefits on the card is a Price Protection benefit according to which if the price on an item I purchased using my credit card drops after the purchase they will reimburse me the difference. https : //www.barclaycardus.comXXXX details all the benefits including the Price Protection benefit ( I got this link after logging into my credit card account so this is for my credit card and not generic information ). I called the number listed on the website to file a claim for Price Protection where they mentioned that my card does not have the Price Protection benefit. I called Barclays customer service with this information and they verified that the card does have the benefit and transferred me over to the claims department again to file the claim where they again denied the benefit. This ping pong back and forth between these 2 departments happened several times starting on XX/XX/XXXX and continued into XX/XX/XXXX where me and my wife collectively spent greater than 4-5 hours on this. On XX/XX/XXXX after much effort I was able to get XXXX customer service and the claims department on a conference line so they can work out the confusion between themselves ( you 'd imagine they should be doing this without me facilitating this ). They took a paper claim and mentioned that they will review the confusion with the management of the claims department to figure out what 's going on here and get back to me by end of day XX/XX/XXXX. That did not happen and I called the claims department for a follow up to that on XX/XX/XXXX and they went through the same ping pong game again asking for all information, refusing to connect me to their management and flat off denying that my card has any such benefit.
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| 05/31/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/2023 my son XXXX used his JetBlue by Barclay 's Bank credit card ( I am the primary ) to buy food from a vendor in XXXX XXXX. The charge should have been XXXX Colombian pesos. This is an independent vendor that used a credit card point of sale square swipe system called Bold XXXX. That night I received a Fraud Alert from Barclays saying Bold XXXX was putting through a charge of {$600.00} and asked if it was Fraud -- - I answered immediately yes and the text told me the charge was denied. I then called Barclays from XXXX because I was concerned. I was told there was a charge of {$540.00} before the XXXX charge of {$600.00}. After speaking with the Barclay 's rep I decided to put in a dispute on the over charge and was grateful the XXXX charge was not honored as that was clearly Fraud. I returned home and tried to work through the dispute on the XXXX known overcharge. Barclays put that overcharge back on my statement and sent me a bogus illegal receipt attached for over XXXX, ooo, ooo Pesos for the first charge. As if that wasn't bad enough the Barclays system in XXXX added also the fraudulent {$600.00} charge to my statement so now I have over {$1100.00} in charges for a bill thart should have been {$200.00}. What is so frustrating about Barclays is every time I call I get bounced back between the Fraud dept and the Disputes dept, Everytime I ask for a manager they say one needs to call me back, Everytime they call back it is during working hours and I can't answer. There is no way to call a manager and I am told over and over again to explain myself again and again, I truly do think Barclays is purposefully overcharging consumers, is siding with criminals and has rigged the system so you can never get a person of authority to help. I can not believe this.
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| 06/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
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Letter submitted to Barclays : To : Barclays Card RE : Case ID : XXXX Unauthorized charge of {$110.00} from XXXX XXXX charged on XXXX to my card ending in XXXX.
Dear Sir or Madam : I promptly submitted a dispute on Barclays website to this unauthorized charge. I received a letter dated XXXX XX/XX/2021 from Barclays telling me they could not pursue the dispute because they had not received from me documentsallowing us to pursue credit from the merchant.
I called Barclays customer service number given in the same letter to inquire as to what documents they needed. I did not receive answer that made any sense whatsoever. To be frank, it seems that this request for documents is simply a way for Barclays to shirk its responsibilities under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act, which protect consumers from unauthorized transactions. Whats more, the documents requested are seeking a paper trail of something that does not exist, since there was no authorization for this charge. I have spent an unimaginable amount of time on the phone trying to get this resolved, with no success, and the complete unavailability of billing specialist or supervisor at Barclays.
Although I have tried to contact the Merchant, they are unresponsive and require that I set up a new account with them in order to have any contact with them. There is no phone number for the merchant at allno mailing addressand no way to contact customer service. Spend some time on the XXXX website and you will see what I mean.
Please help me help Barclays to meet their obligations under Federal Consumer protection laws by covering this unauthorized charge without further action.
Respectfully, XXXXX Cc : Consumer Financial Protection Bureau. XXXX XXXX XXXX XXXX, Washington, DC XXXX
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| 01/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Barclays inaccurate reporting is damaging my credit report such that it has caused a denial in financing for my home refinance. I am losing thousands of dollars because of their inconsistent and therefore inaccurate reporting.
My report dated XX/XX/XXXX showed 7 90 day lates. Also the history shows that in XXXX it was 4 times late but then in the report dated XX/XX/XXXX shows it 5 times late. As a consumer that checks their credit they trust the information reported to be accurate ; clearly this is not the case. Then on my report dated XX/XX/XXXX the information changed to 33 90 day lates.
This change in reporting caused my scores to drop so low that it disqualified me from the pending loan that I had been pre-approved for. In fact, the difference in reporting is causing a XXXX point difference between XXXX and XXXX. At a minimum I am requesting that this company report to XXXX the way they are reporting to XXXX or XXXX but as I understand it, if what they 're reporting is n't accurate the entire listing of this item should be removed from XXXX allowing my credit score to rise to enable me to obtain my financing without further delay. Attached are print-screen of my XXXX and XXXX credit reports showing the difference in reporting which is causing the XXXX credit score to be XXXX by XXXX points thus disqualifying me from my home refinance.
When ordering my FICO scores the only difference between the XXXX score and the XXXX score ( Fico reason codes ) is that XXXX is reporting RECENT delinquency. This item is not a RECENTLY delinquent item ; it has been charged off for many months according to previous credit reports. It appears as if Barclays is deliberately misreporting this item ( with recent delinquent activity ) on XXXX in order to damage my credit score.
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| 01/06/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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Hi, I am complaining about a dispute case I filed with Barclays and the bank 's inability to resolve my disputes after a year despite my repeated calls and report. The amount total is {$1600.00}, which is a huge amount of money!
I traveled with my Barclays credit card to XXXX in XX/XX/XXXX and my credit card was lost at the airport right before my flight back to XXXX. During my flight back, the following fraudulent transactions appeared on my account.
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX CASES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXXXXXX ( This was the only transaction that was solved ) I called Barclays immediately on XX/XX/XXXX after I completed my flight reporting the fraud activities and asked them to dispute these transactions. They have to be fraudulent because I was on a plane when these transactions happened. There was no resolution until now after a year of repeated calls.
After I called on XX/XX/XXXX, I waited for some time and still didn't see the transactions disputed. To protect my credit score, I paid for my statement balance and hoping they will be returned to me one day. But only 1 transaction was disputed (XX/XX/XXXX XXXX ) afterwards. I don't remember when exactly it was disputed. But the remaining balance is still outstanding. I called in XX/XX/XXXX again and was told to wait for up to 90 days. And on XX/XX/XXXX, when it hits the 90-day mark, I called again and was given a case number XXXX, and then nothing happened. I recently called once again on XX/XX/XXXX, and was given a new case number XXXX. Nothing happened until now.
I need to get my in total of {$1600.00} back ... please help.
|
| 09/15/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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Barclaycard has " conducted an investigation '' internally into my issue and did absolutely nothing. The company is perpetuating fraud openly now with full knowledge that this account is not mine and have sent me a letter acknowledging the fraud. The company was made aware of a fraudulent account underneath my name and social security number earlier this year and the account is STILL OPEN. I filed a complaint on here and their representative called me, told me there is nothing they will do without further proof of my case and are still actively reporting a fraudulent account as one that is valid underneath my social security number. I have now placed extended fraud alerts on every credit bureau and will be pursuing legal action against this company. For any potential consumers out there here is what happened to me : Barclaycard began reporting a fraudulent account underneath my name and after I called in no less than 10 times to report this the account was kept open and reported on my credit reports with my social security number. After filing a complaint on here, a company representative called me and told me that they would conduct an investigation. They took 1 DAY to go through months of calls and openly accused me of committing fraud using this fraudulent card I never opened or wanted with their company. For any potential consumers stay as far away from this company as possible. There were multiple cases of fraud committed by someone using my social security number and each and every other company I have dealt with was helpful and wonderful with assisting me. Barclaycard is a perfect representation for what is wrong with the credit card industry.
They are the worst company I have ever dealt with and will now be pursuing legal action against them for fraud.
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| 01/17/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I, XXXX XXXX entered two timeshare agreements on XX/XX/2020, entitled XXXX XXXX XXXX XXXX with the provider XXXX XXXX XXXX XXXX XXXX. Per the terms of the agreement, I requested to cancel the timeshare on XX/XX/2020, within the allotted five ( 5 ) business days. The request was made per instructions of clause seventeen in the timeshare agreement entitled " XXXX XXXX '' via a certified letter, signed and notarized. It was faxed and sent via email to my appointed point of contact for XXXX XXXX XXXX de XXXX XXXX XXXX and XXXX XXXX from XXXX XXXX.
XXXX XXXX assured me that I was in the right of my contract and that the timeshare would be canceled. Soon after our conversation, I received numerous calls from XXXX XXXX XXXX XXXX XXXX sales representatives pleading with me to downgrade my package instead of canceling. After much debate, I was assured my request would be granted and would cancel the timeshare. Leading up to the cancelation of services, contact between myself and the quality assurance representatives seemingly ceased. Despite numerous calls, voicemails and emails, I was no longer able to contact XXXX XXXX nor XXXX XXXX.
I filed a claim twice with Barclay Cards ( whom I opened a credit line with XXXX XXXX XXXX XXXX XXXX to purchase these timeshares ). Barclay cards denied my request twice, despite all my documentation from the company agreeing to cancel the timeshare agreement and reimburse all monies paid. I am now receiving notifications daily. My account with Barclays card is delinquent, and y credit has significantly dropped ( 77 points ) despite a perfect payment and credit history aside from this matter.
I am writing with a request to cancel these two timeshare agreements and relinquish myself and others from this unfair, fraudulent practice.
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| 03/20/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Older American, Servicemember |
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XXXX XXXX XX/XX/2019 XXXX Case No. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Member Number XXXX Contract Number XXXX Contract Date XXXX Mr. XXXX XXXX, During our interview to purchase a vacation package that included a yearly allotment of XXXX points to use each year XXXX XXXX, our sales representative advised us that we could offset the cost of our vacation package by exchanging XXXX points yearly to offset the monthly cost of the package reducing the payments to {$160.00} +/- monthly. He said he would advise us as to how to do this exchange of the points once we had been approved.
We realized that we could not afford this package if this exchange of points to offset the cost did not occur or directions from XXXX XXXX did not happen.
We called to see if we could cancel the package on XX/XX/2019 which was the 14th day after the signing of the contract. We thought we had 15 days after signing the contract to cancel the purchase as we had no on-site inspection of the property as stated in the Tennessee Law.
We originally had contract XXXX and we have paid {$6000.00} toward the down payment and we still want to keep this contract. Please cancel Contract Number XXXX and let us keep our previous package We faxed a Rescission ( intent to cancel ) to the fax no XXXX on XX/XX/2019 and received a confirmation that the fax was received. Please help us cancel this contract as we can not afford it.
Sincerely, XXXX XXXX XXXX and XXXX XXXX XXXX THIS CASE HAS BEEN SETTLED BUT THE DAMAGE TO MY CREDIT HAS TAKEN A BIG HIT IN THE DIFFERENCE OF MY CREDIT SCORE. I AM SUBMITTING THIS DOCUMENT AS JUSTIFICATION FOR NOT PAYING THE FINANCE COMPANIES. PLEASE ADVISE THE CREDIT BUREAU OR LET ME KNOW HOW TO DOCUMENT THIS ADVERSE RESULTS OF THE NEGATIVE CREDIT REPORTING BY THIS COMPANY.
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| 06/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I paid Barclays to settle an account. They are stating they won't send me the settlement documentation for over a month. I was smugly advised via phone by XXXX XXXX ID # XXXX that despite settling the account, they will not send me my settlement letter for over a month. He explicitly said there would be no exceptions to this. OVER A MONTH.
Initially, they kept transferring the debt from one creditor to another making it impossible for me to actually settle the account. Example : It got sent to one creditor, and when I called that creditor to pay it they told me I would need to wait 1 to 2 weeks for the account to be assigned to an agent. After waiting that long and calling back, they told me they had sent it back to Barclays. it then took over a week for Barclays to get the account in their system to they could discuss it with me. This was the 3rd time this happened. They played pinball with my debt sending it from creditor to another all over the country. This prevented me from paying on this collection for 3 months adversely impacting my credit and ability to find gainful employment. Now the delay of my settlement letter is another month of delays. I need my letter to start at a new job so I can get health insurance for my children who have desperate medical needs that I can not pay out of pocket and therefore need insurance. Barclays has drawn out this process at every opportunity despite my consistent and constant good faith efforts to settle this going back to XXXX of this year. There is absolutely no reason why a consumer should need to wait over a month to get documentation showing I have paid and settled this account.
I am requesting my settlement letter be escalated and generated ASAP and fax 'd to me at XXXX so this issue can finally be resolved.
|
| 04/20/2016 |
Yes |
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Web |
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I applied for a 0 % interest for 12 months credit card called XXXX. I was sent a card that said XXXX all across the front. In the XXXX billing month, I was charged interest. I called Barclaycard XXXX, the issuer. They said they could n't resolve the issue over the phone but that if I waited two weeks they would send me a letter. I waited. No letter, no call. I called again. This time they acted like the first agent did n't even open the case correctly. They said they would. Told me to wait a week. I 'd get a letter. I waited-no letter. I called again. This time agent told me they were not going to charge me interest for the upcoming month and that they would eventually credit the account for the interest already charged. On XXXX, I logged in to the online account to find I had been charged interest yet again. I called again today ( XXXX ) and was told my card does not have 0 % interest for purchases and they would n't refund the charges. I applied for a 0 % for 12 months card for purchases AND balance transfers. I read the terms carefully before applying. They are still offering this XXXX card on their website with 0 % for purchases and balance transfers for 12 months. I told them that. Manager said that promotion could change at any time and would n't verify that the promotion had been valid when I applied for the card. I definitely applied for that card and those were the terms. I was also supposed to get {$100.00} cash back if I spent {$500.00} in the first 90 days. I have n't received that either. They wo n't honor the terms of the card. Also, by telling me to wait in two week spans, I 've been pushed into subsequent billing months, interest charges piling up by the day. This is classic bait and switch. I 've never received XXXX letter or call in response.
|
| 03/12/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I had a Banana Republic Rewards Mastercard for many years. Around XX/XX/XXXX, I saw that a fraudulent charge for around {$82.00} was posted to my account. I realized I hadn't used the card anyway in months, so I called to have the fraudulent charge investigated and removed, and my account closed. The account was closed, but Barclay 's sent me a statement with the fraudulent charge still on it, along with late penalties and interest. I assumed it was a mistake or would resolve in another billing cycle or two. But, in XX/XX/XXXX, I received another statement with the same fraudulent charge and even more penalties/interest. I called and reported the fraud again, and was assured my account was still closed. I received a message confirming that the investigation concluded the original single charge was fraud, and that everything would clear in 1-2 business cycles. But in XXXX, I got another statement with the same charge and additional penalties/interest, and now debt collectors have been leaving me voicemails. I called again, and spent hours getting bounced around Barclays ' customer service departments, until finally someone said they could see notations in my closed account indicating that the charge was fraud, but they would have to open a new case to have the penalties/interest removed. Well, I just received another statement for the same " past due '' amounts. Barclays ' behavior is unlawful, fraudulent, predatory, and causing extreme inconvenience. I am worried about my credit score and debt record, which to date has been excellent.
I don't have my credit card or full account number anymore, and I never had an online account. But Barclays will be able to identify me through the last four digits of the account, my contact information, and XXXX : XX/XX/XXXX
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| 01/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
The card in question is an XXXX XXXX XXXX XXXX that I use for my one man company for business related expenses.
The XXXX statement showed 2 charges in XXXX that I reported in XX/XX/2021 to Barclays. They cancelled the card and issued a new card.
When I received the card I could not activate it. When I called Barclays I was forwarded to the security department. They could not resolve the issue.
What I later found out was that Barclays was in the midst of combining my personal XXXX account with my business card account under XXXX login name and password for security. During this period it seems that no one at Barclays could access my file. I could not access my statements and, as you will see in the attached documents, I resorted to writing a letter in XX/XX/2021 to highlight the disputed charges and that I wish to close the account.
The wrote back saying this was not possible.
I was able to access the system in XXXX and found the dispute section ( that is buried in their website ) and filed a dispute ( see copies of dispute acknowledgment ).
Barclays last letters indicate they contend too much time passed for them to do anything and basically saying it was my problem when, if fact, they knew of the issue in XX/XX/2021.
First, why did they not contact me when the charges were made? It appears that the charges took place in XXXX XXXX. Isn't that suspicious on its own when my pattern of spending was known in their system?
Second, I did not make or authorize any charges to the company in question.
Third, I could not find anything about this company in XXXX.
Fourth, Barclays had to have a link to the card reader and bank account for the company in question to process these charges. Why can't they simply reverse the charges and credit my account.
|
| 05/15/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Called before 8am or after 9pm
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Web |
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I have rcvd several phone calls from this company from several different phone numbers all times of the day they have called after XXXX and before XXXX. I told the company that I have moved to another state on a previous call before XXXX and gave my new address. and apparently they failed to update their system which is clearly mishandling this account. so this morning I received a phone call at XXXX XXXX from this company I told the representative on the phone that It was before XXXX and what address they have for me and she gave me the correct address and I advised her that it was a violation of the fdcpa to call before XXXX and I wanted to speak to a supervisor and her response was well are going to take care of this. I asked if she heard what I said and I was put on hold. A operations manager came to the line and again confirmed my address and I advised this is the 3rd time that I have gotten a call before XXXX or after XXXX XXXX and I would be filing a complaint with the cfpb and she said they have their own complaint procedure and they will file the complaint. she again confirmed my address and immediately after continued to try and collect on this debt before XXXX after me saying several times that it is a violation of the fdcpa. FDCPA sub chapter 805 section ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, ( which this comapany had contrary knowledge because I gave them a new address and they failed to update records but still had it noted ) a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumer 's location
|
| 03/20/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
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Web |
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On XXXX XXXX, 2022 my bank account infrmation was hacked from outside the XXXX and XXXX Fl . I had several debits from my checking account and my 2 bank cards hacked and maxed out, I had to report this the the police, IRS, and all credit agencies immediately. I did and it was a long process to have the accounts closed and then my bank account reissue me a new ID and replace my funds ( close to {$30000.00} ). The XXXX fixed the problem after months of investigation and time. I immediately called Barclay 's Old Navy card to cancel, inform them that I would be able to send a check ( no online accounts or IDs available ) as soon as I get a checking account set up ) and I DID IMMEDIATELY!!!
I explained the issue, told them to give me the balance ( {$410.00} without penalty ) and I sent the check out XX/XX/2022. I spoke to them and they did not record the call??? Don't belive them.
I then still got billed and added fees sent. I called several times. I sent a letter stating all this again. I sent copies from the IRS and police reports of the fraud from the bank and investigation. I was told that a manager had to call me and that they could credit all but {$40.00}. This was NOT done. I called and spoke to a very rude woman last call and she read the back of the credit card statement and said she cant help. I can not log into the card on line as I cut the card and dont have the 16 digit card #. The Barclay 's staff members are just rude and nasty.
I do not feel I should pay for having my identity stolen and having my accounts frozen because of ir. I dont feel I shoud be punished. The items I purchased were paid for and no $ $ remains due to purchases only late fees and interest on late fees ( no items ).
I cant rightfully pay them and feel I was the victim here.
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| 01/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Fraudulent charges on my account. Barclaycard refuses to remove them even though I sent a ton of evidence proving that their investigation into the matter was a joke and wholly insufficient.
My account has been stolen 4x while barclaycard has had the XXXX account and 4x when XXXX held the account. It is clearly their employees either taking the numbers themselves or selling them to someone because this has never happened with any of my other credit cards.
You can see all the points made ; they claim it was delivered to my residence and signed for. This is incorrect. I have proof one of the packages was picked up at a XXXX location and the other was returned to XXXX per my regular XXXX driver XXXX XXXX. He was told to do this since someone approached him asking if they could take the package for her when he was at a totally different location than my residence. His supervisor told him to bring the package back.
Additionally, the account created was obviously illegitimate as the phone # provided was XXXX and they had a 2nd fake address on the account!
The documentation they sent says it was delivered to a single unit. My residence is not a single unit. Then the documentation they sent shows there is yet another secondary address for the account holder in Georgia. I never lived in Georgia.
Last but not least the signatures are not my signatures. According to the Fair Credit Billing Act if a consumers credit card number is stolen but not the physical card itself then they are not liable for unauthorized use.
I am filing this complaint because never in my 30+ years of using credit cards have I, as a consumer, been so mistreated and blatantly disregarded. My record agin, speaks for itself. They on the other hand should not be allowed to be a creditor.
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| 12/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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My wife and I have been XXXX XXXX members for over 30 years and in XX/XX/XXXX we were on our annual vacation at a XXXX XXXX timeshare XXXX XXXX location. During our visit we attended a NO obligation tour to get for additional points. XXXX XXXX provided false information about the additional points and pressured us to buy XXXX additional points. At this time I was XXXX years old. Mr. XXXX told us, we have 7 days to change our mind with no penalty. The very next day we went to the office to cancel the additional XXXX points. We were told XXXX was not available and he was the only person who could help us. We left the resort, returned home and immediately called, sent an email and a certified letter including the two Barclays cards stating we did not want the additional points ( please see attached ). The cards had NEVER been used and we never received a bill, nor phone call from Barclays. On XX/XX/XXXX we received a letter form a collection agency. After several attempts to resolve this matter we were forced to hire an attorney. On XX/XX/XXXX we agreed to surrender and XXXX XXXX agreed to take back our XXXX points. In addition to the XXXX they took back all of the points and weekly rentals we had accumulated over 30 years!! XXXX XXXX is reporting this account with a XXXX balance, however Barclay 's is reporting we have a balance of over XXXX and it is in a charge off status. I am now XXXX years old, I have lost all of my vacation time, and have lost thousands of dollars in attorney 's fee 's and now an in jeopardy of loosing my home to foreclosure effective XX/XX/XXXX. For three weeks I have been trying to resolve this with Barclays. I have sent documentation to both Barclays and XXXX XXXX and have had no success. I don't not want loose my home. Please help.
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| 09/03/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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Though there was a $ XXXX/yr membership fee for the Barclays XXXX XXXX credit card, Barclays promised a one-time XXXX bonus miles if you spend {$2000.00} on the card within 90 days of having the card.
I spent {$2000.00} within 90 days of account approval ( " XX/XX/2019 to XX/XX/2019 '' ), but I didn't get the bonus miles. When I enquired, Barclays said their account opening date was when you submitted the application form, " XX/XX/XXXX '', not the date when you were approved to use the credit card account, " XX/XX/XXXX. If the date to be considered is less than XX/XX/XXXX, I would be a few dollars short for qualifying for the XXXX bonus miles.
For consideration, I reported to Barclays that I was unable to use the credit card for about 30 days of the 90 days period because the chip on the Barclay 's credit card stopped working in XXXX. As I was traveling, I did not received the replacement card till a month later ( end of XXXX ). The faulty credit card was refused by the various merchants because it was a " chip card '' ; the merchants refused to manually enter the credit card details. I ended up using a XXXX credit card during this time period. Barclays rejected the request to extend the date count for usage handicap period.
I then tried to cancel the card and get a partial refund of the membership fee ; especially since Barclays was quibbling on the dates in order not to grant the bonus miles. Barclays refused to refund the membership fee.
Would you be able to help me investigate their account policy in relation to these bonus miles? Barclays should not count dates when you're unable to use their credit card. If Barclays does not honor their advertised bonus miles, clients should be able to cancel the Barclays card and get back the membership fee.
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| 05/04/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Good Day, I disputed two transactions with Barclay Mastercard ( both for the same merchant : XXXX XXXX ). One was the amount of {$2500.00} and the other for {$2200.00}. The total amount of {$4700.00} was for 7 nights lodging in a gated community known as XXXX XXXX in the country of XXXX & XXXX. Upon arriving to XXXX on XX/XX/19, we discovered that the place promised by the merchant was not the same place they were trying to give us. The new place was in a different area that we deem unsafe and also did not have the amenities like a pool that we really wanted. We decided not to stay there and got lodging elsewhere. Transaction was disputed with the card company. Card company provided me with the credit for both transactions, however returned the balance of {$2500.00}. Upon speaking to a representative they told me to send a letter to the company explaining that although the terms and condition stated non refundable, it did not state if the place we paid for wasnt available another place would be provided. I did that. After doing so another representative told me to send in proof showing another place was provided. I did that. After doing that they told me that credit could not be returned because of the non refundable notation. I advise that that also stated on the invoice which would be considered a contract was the neighborhood XXXX XXXX and also that we would be provided a 3 bdr, 2.5 bath, with a pool and that was not given so the contract should be void. The remaining {$2200.00} has not been returned to my account at the moment as a balance. I was told it takes 45 days for the dispute to be finaled ( even got sent a letter stating so ) but now they're telling me I have to wait 90 days and im stressed and uneasy about something that happened months ago.
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| 05/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
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Web |
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On XX/XX/2022 I sent Barclays two {$1000.00} money orders to pay off my card. These transactions are both posted in my account. On XX/XX/2022 Barclays posted a {$1000.00} charge on my card. I noticed this charge 2 weeks later and called customer service. After an hour and a half I hung up as they insisted this was a convenience check I had cashed ( I have never used these checks in my life ). 2 months later after a 2 hour call they finally acknowledged that it was an automatic charge because the system thought my two money orders were a duplicate payment. The told me I would receive a check in the mail for the {$1000.00}. In XXXX I called them again - another 2 hours - to tell them I have never received a check and I requested the charge be removed. They told me they would cancel that check and send me a new one. I was very unhappy about this solution. I waited 4 months until the end of XXXX and just phoned them again on XX/XX/XXXX. During this call I was initially told that I had cashed the check they sent me and I definitely had not gotten a check. After a half hour they acknowledged I never received a check and that they would cancel they one they already sent and issue a new check. I asked customer service to outline this case to me so I could write everything down. They told me our second interaction in XXXX involved fraud ( it did not ) and I asked them to detail to me what this meant. Then customer service person hung up on me. I pay my card off every month ( and have for 30 years ), and this XXXX has been sitting on my card for 7 months accruing about XXXX $ + interest. The company refuses to remove the charge OR the interest. I hope you can help, I am at my wits end. Im a XXXX XXXX XXXX with a great credit score that Ive spent 30 years building.
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| 06/22/2015 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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There was over {$4500.00} in fradulent changes made on my credit card without my knowledge. The credit card company, BacklayCard, changed my address to XXXX XXXX XXXX, XXXX, MA without my authorization so I was n't aware of these changes. I never lived at this address so they should n't have changed my address.
I was contacted by a collections agency several months later trying to recover the funds. At the time I let them now these are fraudulent changes and asked them to to put me in touch with the credit card company ( when I call directly I get automatically transferred to the collection agency. ) They refused but said they would let the credit card company know and they would contact me directly within the next XXXX days. A month later I was contacted by a different credit collections company. I told them the same thing and they refused to put me in contact the credit card company unless I had a police report. I filed police report and faxed them a copy. However I just checked my credit report and these charges are still showing as past due. This is now preventing me from getting a car loan because it 's significantly impacting my credit score. I could use some help getting this resolved asap.
In summary, I did not make these and the bill was sent to the wrong address without my authorization so I was n't aware of the charges. Now the credit card company wo n't speak with me and they keep sending me directly to a collection agency. I filed a police reporting regarding the incident and faxed it to the collections agency but the charges are still showing past due and it 's significantly impacting my credit score. I do n't know who to send this to at BarclaysCard to get these charges removed and my credit score repaired asap.
Thanks for your help!
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| 10/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
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|
Web |
Older American |
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I applied for a credit card with Barclay as a result of seeing it on the XXXX website, thinking it indicated XXXX endorsement. After a considerable amount of time ( several weeks ) when I never heard back from Barclay and reached out via phone I spoke with someone who gave identification as " XXXX '' - and ID " XXXX '' who referred me to a website that merely stated I had been turned down. I asked for the rationale and was told it would come via letter, and when I asked to speak to a supervisor, my request was turned down ( rudely ), and I was told those who are turned down can not speak with any other representative in the company. Having worked for more than 50 years, I found that unimaginable but my request was denied several times.
In the intervening week since that encounter I still have not received " a letter '' indicating the reasoning, nor an email. I checked my credit status with XXXX and have exceptional credit rating, so I am extremely frustrated, confused and resentful that I shared extensive personal financial information during the application process and now have received an abrupt rebuff with no rationale nor individual with whom to speak.
I reported all this to XXXX, received a case number ( XXXX ) from them and explained that I still have no information from either source of the problem. The representative from XXXX just repeated they have no information. I tried to reach out to the CEO of XXXX ( XXXX XXXX XXXX ) and have prepared a letter to be mailed because there is no phone number nor email listed for her on their website. and will mail a receipt- requested letter as soon as I can get to the post office pending covid considerations.
Thank you for your assistance in this matter. I appreciate any help or guidance you can provide.
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| 06/21/2016 |
Yes |
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Web |
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This account was closed in XXXX XXXX. Recently, in XXXX XXXX, I received a bill, which stated that I owe {$120.00}. I have enclosed copies of the billing statements from XXXX XXXX, through XXXX XXXX.
As you can see, prior to the closing of my account, the bill was always paid in full. It was in XXXX, and according to the information I received from Barclay 's, my account was closed effective XXXX XXXX, XXXX, after payment in full of the {$130.00}, which resulted in a zero balance on the account.
Thereafter, in XXXX XXXX, after the account had been closed for a month, I received a statement, which had an automatic charge XXXX.
First, I had cancelled my membership with XXXX, effective, XXXX XXXX, XXXX.
Second, and more importantly, the credit card account had been closed on XXXX XXXX, XXXX, so the card should not have gone through for a XXXX XXXX charge.
Therefore, the charge from XXXX for XXXX XXXX was disputed. When I contacted Barclay 's in XXXX XXXX, after receipt of the XXXX XXXX statement, regarding the disputed charge, I was told it would be looked into. For the next six XXXX months I checked the statements, which were received from Barclays. For each of the statement from XXXX XXXX, to XXXX XXXX, the " Minimum Payment Due '' was stated as " None ''.
Thereafter from XXXX XXXX, through XXXX XXXX, a full three ( 3 ) years after the credit card had been canceled and the account closed, effective XXXX XXXX, XXXX, the " Minimum Payment Due '' was stated as " None ''.
Now, over three years after the disputed charge was first brought to the attention of Barclays and over three years of receiving statements, which had " Minimum Payment Due '' was stated as " None '', there is a request for payment of {$120.00}, which includes service charges.
|
| 09/14/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/XXXX my credit card was supposedly used for 2 cash withdrawals for {$350.00} and {$390.00} in an unknown ATM with the only information being provided by the bank as the financial institution being XXXX with zip code XXXX somewhere in XXXX. I contacted XXXX customer service as soon as I saw the charge on XX/XX/XXXX at XXXX ( XXXX time ) regarding the fact that I had not made those withdrawals. They stated that they would investigate, cancel the credit card, and remove the charges. I asked if they could send me a new credit card to my hotel, since on their website they state " If you need to make purchases or a cash advance, you can receive a temporary card within one business day ( if in U.S. ) and two business days elsewhere. '' but they told me that this was not possible. I was left stranded in XXXX for the remainder of my trip without any type of credit card or money. On XX/XX/XXXX I access my account only to see that the charges where placed back on my account, when I was explicitly told that they would not and that I would not be held liable or accountable for such charges. When I called customer service they state that they consider them as fraud because the chip technology the pin number was used. I have never used such pin number and I have no idea what the pin number is, and even so they still say that they can not do anything regarding these charges. They want me to pay the {$740.00} of charges plus a fee of {$20.00} per cash withdrawal transaction for a total of {$780.00}, when in no moment where these withdrawals made. They have evidence that I have never made a cash withdrawal and yet they expect me to pay for a new cash withdrawal that I supposedly made without any information regarding the bank, ATM, time, or location of the ATM.
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| 08/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
Older American |
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This pertains to 3 credit cards that I had with Barclays. On XX/XX/22, I was unable to access any of these accounts via my online access. I contacted Barclays ( via phone on XXXX, XXXX ( 3 different calls ), to finally receive confirmation that the accounts had been compromised, a bad actor had succeeded in generating new user ID, password, and physical address to receive new cards.
These four calls centered around multiple handoffs between Customer Care Specialists, Security / Rapid Detection Team, and Information Technology. At this time, all 3 cards were cancelled, and I only asked to receive a replacement for one of those cards.
During this period, I continue to be unable to access my remaining account online, and the solution from Barclays was that I use the user ID and password that was generated as part of the fraud ( true story ). On XXXX, looking for a status on the replacement card, which appeared never got issued. I also wrote to the Barclay 's Consumer dispute center, outlying these details, and have not heard from them in the ensuing period ( 2 months+ ) On XXXX, I received correspondence from Barclays XXXX that their fraud investigation was completed and that I was not responsible for the fraudulent activity.
On XXXX, I began receiving credit reporting alerts from XXXX XXXX, XXXX, and XXXX Identity Theft groups. Barclays had posted a negative report ( late payment ) for a balance on one of the closed cards. XXXX made initial attempts to rectify, and Barclays rejected the claim as invalid. I provided XXXX with the written confirmation from Barclays that this was fraud that I was not responsible for, yet it appears that Barclays tacked on new charges and is assessing late fees, affecting my credit, with those charges having no merit.
|
| 08/14/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
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Web |
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XX/XX/19 - I noticed that there was a double charge on my account from a merchant ( when I only made 1 ), logged into my account on Barclays ' website and there were some strange messages of account past due when I had paid my latest statement in full. I called Barclays and spoke to an agent about both things and was told that I did not make any transactions between the dates XXXX-XXXX when I obviously have and was calling about them and was told that the website is working accurately. Agent refused to recognize the evidence of contrary. Agent told me his name was " XXXX '' and employee ID was XXXX. Recognizing that I wasn't getting the help I needed, I specifically asked the Agent to note my account of what he told me and ended the call.
XX/XX/19 - I called again, I mentioned the experience that I had on the call on previous day and was met with apathy and told me there were no notes on my account. Website info is now correct, so I asked about the double charge. Agent told me that it would be credited back to me. I asked agent to note the account.
XX/XX/19 - I noticed that I had received a credit of {$0.00} ( yes XXXX XXXX ) instead of the amount promised to me by the agent I spoke to. The agent I got this time said again there is no note on the account and when I lament my trouble, did not acknowledge them and wanted to transfer me. The transferred agent ( 2nd one on this call ) was also of no help and had to transfer me again. The 3rd agent ( id : XXXX ) I spoke to again said no note was taken but she would address the issue, so I have not seen any resolution nor do I now have any confidence that it will be fixed.
All in all I spent hours on these calls ( including holds and IVR routing ), spoke to 5 agents, and was agitated with my experience.
|
| 06/27/2016 |
Yes |
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Web |
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I opened XXXX Barclay credit card on XXXX/XXXX/16 with the offer that promised to give me XXXX XXXX miles after spending {$1000.00} on this credit card.
I met this spending requirement on XXXX/XXXX/16 and I expected to receive this bonus on my first statement on XXXX/XXXX/16.
However it did not post on XXXX/XXXX/16. I contacted the customer service and they responded : " Dear XXXX XXXX : Thank you for contacting us regarding your XXXX Plus Card. We can certainly address your inquiry regarding the reward points on your account.
Welcome to our family of credit cards! We are pleased to confirm that you are eligible to receive XXXX welcome bonus points for spending {$1000.00} in new purchases within 90 days of opening your account and you met this requirement as of XXXX XXXX, 2016!
All points that you earn within a billing cycle are automatically transferred to XXXX after your cycle closing date on the XXXX day of each month under this XXXX number : XXXX. Once the points have been transferred to XXXX, they will deposit them into your linked XXXX account. This process is typically completed within 10 business days after your cycle closing date ; however, it can take up to a maximum of 30 days. '' So then I expected to receive them on my next statement on XXXX/XXXX/16.
But on XXXX/XXXX/16 Barclay closed my credit card without any reasonable explanation.
I contacted customer service and they also could n't explain me why my card was closed.
I inquired about XXXX bonus miles, but they said I wo n't get them because my card was closed by bank.
I have not violated any rules and I met the spending requirement for this bonus on time when my card was active.
It looks like bank is using these practices to refuse giving bonus miles to customers as promised.
|
| 08/30/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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Received a charge on my XXXX XXXX XXXX Mastercard sponsored by Barclays Bank, Delaware, credit card statement Period XX/XX/2019-XX/XX/2019. There was a charge with Transaction date of XX/XX/2019 and posting date of XX/XX/2019 for a transaction in XXXX Florida, XXXX XXXX. We were in New Jersey working on that date. We called the credit card company to dispute the charge on XX/XX/2019 and spoke with XXXX at XXXX, they cancelled the Credit card and put it in as a dispute. We paid the balance of the monthly bill due. We also requested a copy of the transaction showing our signature.
We received a letter dated XX/XX/2019 stating " After conducting our investigation, we have determined that you are not responsible for the reported fraudulent activity ''. In the same mail we received another letter dated XX/XX/2019. The letter stated " Our research has indicated that the transaction is valid. The transaction has therefore been placed back on your account. If applicable, interest and other charges related to the disputed amount will accrue on any unpaid portion of this amount, '' You can see our confusion so we called back and spoke with XXXX, who would not give us an employee number, and were told it was from a charge on XX/XX/2019 and that they can change the Transaction date whenever they desire. We still do not have a valid copy of the charge slip and feel that this company is not going to send one. When we called the number XXXX, and spoke with XXXX they said that the Merchant can change the transaction date when they want. How can a consumer check their transactions on a credit card if the Merchant can change the dates at will. We can understand the posting date being different but not the Transaction dates. Especially making it almost 30 days later.
|
| 01/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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|
Web |
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Credit card name : The XXXX XXXX XXXX XXXX : Barclays Card type : Mastercard Advertised benefit 1 : 6X points per {$1.00} spent on XXXX purchases Advertised benefit 2 : Receive a 50 % savings on eligible inflight purchases Card advertisement link : XXXX XXXX XXXX Unreceived benefits : On multiple occasions, inflight food/beverage purchases on XXXX flights ( i.e. " eligible inflight purchases '' ) have been coded as " XXXX XXXX XXXX XXXX '' instead of " XXXX XXXX XXXX XXXX '' ). These " XXXX XXXX XXXX XXXX '' purchases receive only 1x points, which contradicts advertised benefit 1, and *do not* receive 50 % savings, which contradicts advertised benefit 2.
1st complaint to Barclay customer service XX/XX/XXXX ( picture attached ) summary : I complained about above issue. Barclay response : the 50 % discount can take 4-6 weeks to post.
2nd complaint to Barclay customer service XX/XX/XXXX ( picture attached ) summary : I say it has been >4-6 weeks now, and still no 50 % discount or 6x points. Barclay response : they will add the 50 % discount, but can not give me the 6x points.
3rd complaint to Barclay customer service XX/XX/XXXX ( picture attached ) summary : I complain about the above response from Barclays, saying they owe me the points as well, and I'm unhappy about the difficulty of this process. Barclay response : they will add the points.
4th complaint to Barclay customer service XX/XX/XXXX ( picture attached ) summary : the above issue has happened again, and I submit another complaint. Barclay response : TBD In summary, I am very unhappy with how Barclays has 1 ) failed to remedy this issue after I initially brought it up, and 2 ) initially did not offer to even provide the advertised benefits when I brought the issue to their attention.
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| 09/26/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
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Web |
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Barclays credit card on XX/XX/2023 that I opened a XXXX credit card which goes through them. I had purchased two airline tickets. These airlines were XXXX and XXXX. I have never flown with either of theses airlines. And after contacting theses airlines. I was informed by both airlines that several ( More than two ) tickets and or reservations had taken place under my name and also another person, XXXX XXXX. No tickets were used and a few of them had been cancelled. Both these airlines, XXXX and XXXX have credit card that has their airline logo on them but, the card is a Barclays credit card. XXXX was the company that issued the card that was used to pay the XXXX airlines. XXXX has it's own credit card that also has their logo but, the card is actually a Barclays credit card. I had contacted XXXX that redirected me to the airlines which they had redirected me to Barclays. Barclays has sent me a letter on XX/XX/2023 stating that I am responsible for the {$350.00} debt. I contacted them and they said they will investigate for the third time. I faxed over my conversations that the airlines had sent about cancellations. I explained how I never flew with either airlines. I also brought up the other person that the airlines had listed, XXXX XXXX. And since I never made these purchases and don't know a XXXX XXXX also that I never received the credit card that was in questioned. Also never cancelled the card the day that it was opened. The only information I have heard from Barclays over the phone is that they have recordings. So I asked if they could send me a transaction of these recordings. I know I did no such thing but at least I would want to see what I was told I said. Sincerely XXXX XXXX. Thank You. the number for Barclays I have is XXXX XXXX XXXX
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| 07/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Older American |
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XXXX. XXXX XXXX XXXX ( XXXX ) has reported a late payment as I was late making a payment during the Pandemic which I explained I was not able to pay as, I was in XXXX and was not able to pay the card as I did not have internet access. I paid the card a couple of days late, calculated the interest for the additional days and paid the outstanding balance plus the interest. The balance was about {$170.00} and I explained that the {XXXX} later fee was onerous for the balance mentioned above so I would not be able to pay the interest. The young lady evidently was not able to have the late fees waived and I was not notified by XXXX of the late charge. The account was closed but XXXX continue to report the {$30.00} late fee on my statement. I am a Senior living on very limited resources and on a principle, I do not have the funds to pay for a few days late on the small balance mentioned above. This seems to be extremely vindictive by XXXX because I closed the account 2. I have the similar issue with Barclays Bank ( BB ) JetBlue credit card. I called into the Credit Card Center to get the payoff balance. Based on the balance given, I drew a check made payable to BB Credit Card to cover the outstanding balance. The person who calculated the outstanding balance, did not take into the calculation, interest to date since the last statement date. Subsequently, after making the final pay-off figure given by BB JBlue CC , the interest accrued prior to the pay-off date was not included in the pay-off figure. Even though the card was closed XX/XX/2016, BB Credit Card continued to maintain the outstanding amount plus interest, until the account balance was {$100.00} approximately when it was written off. This company has not removed this from my credit record.
|
| 08/06/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
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Web |
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Greetings. I am a Wyndham Hotel Rewards/Barclay card holder. Last holiday season ( XXXX XXXX season ), I continuously received emails from my card company saying I will receive XXXX points for every dollar spent up to XXXX points and if I spent at least {$3000.00} between XX/XX/XXXX and XX/XX/XXXX, I will receive XXXX extra points for XXXX points total if I spent {$3000.00} by XX/XX/XXXX of XXXX.
I have met my side of the bargain, I spent the money, shopped and now have those {$3000.00} being paid back with interest. However, the credit card company will not meet their part of the commitment.
They have only credited me XXXX points and not the XXXX total points I was promised. Every time I call Wyndham rewards card, they tell me to contact Barclay. When I contact Barclay, they tell me to talk to Wyndham. Finally now they are sending me a letter saying I should contact them by mail.
I am so tired going back and forth between these two giants. I don't know why this has to become complicated given that their instructions were clear. Nothing to sign up for etc. just spend this amount in this period and get your points. I don't see why this should drag out till now.
Soon the XXXX holidays will be upon us again and they will tell me " too late now. '' I am here paying back the {$3000.00} I spent plus interest and taking all this time which I do not have back and forth on the phone with them and I am not also now going to start writing letters back and forth now as well. They have been giving me the run around back and forth now for months!
I need those points for my summer travels, which is why I accepted the offer in the first place. Now I am booking summer travels with new money with no points to help and that is not fair and unacceptable!!!
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| 11/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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To Whom It May Concern : I logged onto my credit card company 's website ( Barclay Arrival Card ) to make my regular payment on XX/XX/2020. It read that I did not have a payment due. I thought it was odd so I took a screenshot ( see attached ). I received an email just now ( XX/XX/2020 ) saying the payment was late. I logged on just now and the company assessed a {$37.00} late fee on XX/XX/2020, the same day I went on to pay it but did not even have the option to pay because it read that " A Payment was not due '' ( also see attached screenshot for today with a late fee added ). I actually was planning to make a payment anyway since I was on there and am working to pay it down. I did not even have the option to make a payment. And then seven days later they assessed a late fee. This is unacceptable and shady business practice ; one for which I can not be the only victim, I'm guessing.
I have also attached the emails that I sent myself immediately with the two screenshots attached, one from XX/XX/2020 when it said a payment wasn't due and one from today, 7 days later, after notification came into my inbox saying payment was late and I learned the fee had been added. Please refer to the two attachments with the email date and time signature - that is, the PDF versions in landscape as the portrait PDFs did not capture the date and time I sent myself the emails with the screenshot attachments as evidence. Your remove attachment buttons are not working so I could not remove the other email attachments that do not capture the date and time signature for when I sent myself the emails.
I'll be paying the full balance and terminating the credit card but I am sure I am not the only one to whom this has happed. Please address.
Respectfully, XXXX XXXX
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| 11/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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In XX/XX/XXXX, I used my XXXX XXXX XXXX card to make a {$19.00} purchase. The {$19.00} balance was paid on time, in full and I received confirmation on XX/XX/XXXX from XXXXXXXX XXXX the cards issuer.
In XX/XX/XXXX, the card issuer switched from XXXX to Barclays. Barclays automatically issued me a new XXXX XXXX XXXX, which I did NOT activate.
On XX/XX/XXXX, I received a past due notice from Barclays bank indicating a {$25.00} balance event though I had never used the card.
Notification of a negative event on my credit report prompted me to follow up with Barclay 's bank on XX/XX/XXXX. By this time, the credit card balance was {$52.00}. I called Barclay 's bank to inquire about the charge, have the charge and all fees removed and request that the bank remove the negative events from my credit report. The Barclays representative confirmed that I did not make a {$25.00} purchase, but " it appears '' that when the card issuer switched from XXXX to Barclays my {$19.00} payment was returned and I was then charged {$25.00}. ( I checked my accounts and do not have record of {$19.00} being returned ). The customer service representative was unable to waive the late fee that brought the balance up to {$52.00} and submitted it to her supervisor for approval. She said that Barclays would not be able to help to correct the negative events on my credit reports.
Even though the {$52.00} balance was not due until XX/XX/XXXX, I paid it on the phone with the representative, in order to avoid additional fees and negative events on my credit report. However, on XX/XX/XXXX, I received notification that my credit reports were showing another negative event. Barclay 's bank had reported the {$52.00} payment " late '' and my score went down another XXXX points.
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| 06/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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With a zero balance ( paid off my account XX/XX/XXXX to the amount of {$3500.00} and a second payment of {$50.00} on XX/XX/XXXX to cover rest ) after paying off an initial promotion, I received a new balance transfer promotion of 0 % interest if paid in 9 months from Barclay bank ( XXXX visa ) in the amount of XXXX plus a fee of XXXX on XX/XX/XXXX. Due to the size of the payment " no payment due '' until XXXX of XXXX. This offer receipt shows up for the first time on my XXXX XXXX XXXX statement.
I called to verify that my last payment would be due in XXXX to satisfy the debt ( that would be the XXXX month and billing cycle from the date of deposit ). They told me the promotional period ends XX/XX/XXXX. This is 8 months of a promotional period, not 9.
I called 2 times to get the information I needed. The first person told me the terms ended XX/XX/XXXX ( also not correct ) so I'm glad I called back. The 2nd call, two agents later, kept going around in circles about how " I can see your point that it's only 8 months but that's the terms of the agreement for 9 months. '' This is not mathematically correct or appropriate. So now am I not only going to miss the XXXX month, forcing me to pay the interest in bulk, but the payments I would have made should they have been transparent, or rather non fraudulent up front, could have been bigger to account for the deficit due to their misleading advertising. I do see on my XXXX statement they allocate the expiration to XXXX, and that again is not a 9 month term. Look at a calendar. XX/XX/XXXX to XX/XX/XXXX is 8 months. Simple math.
I have audio from the call of more than one agent acknowledging that it's clearly only 8 months from distribution and yet " those are the terms. '' Those were NOT the terms.
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| 04/12/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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Since I have had my BarclaycardXXXX Rewards, Ive missed only one payment. I tried to use my card and it declined on XX/XX/XXXX. I knew what me available balance was because I had just paid on it. I was trying to use my XXXX rewards on an XXXX product. I called and was informed it was a system generated closure due to policy and it just generated onXX/XX/XXXX. The same day I used the card! The customer service rep, along with the manager could not tell me what policy of theirs this was pertaining too. But insisted I wait on the letter to tell me. I called again onXX/XX/XXXX, the gentleman was very honest in saying he has no idea what policy this is but would get me over to their another Department. The new Rep from the Credit Profilo Department told me that they checked my credit and notice delinquency with another merchant that triggered them to close my acct. I told him to check how often I have been delinquent with them and he said it didnt matter, its in our disclosure. I asked him to tell me where, give me a page number and I could look it up. He said he only had a printed copy on his computer not the actual disclosure. Then he proceeded to tell me another department would mail me one, but its available online. Since I was on my phone I had already looked online and it was to request one by mail also. When I said that he said oh well they informed me itll take 30 days to receive. I researched on other forums with this particular credit card company and this seems they do this often with their fairly new consumers that have their card for 6-8 months then they close they acct. This is a major blow since I needed to keep this card open to rebuild my credit after Irma. Which was why only one card closed. Totally unfair and very shady practice!
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| 07/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I, XXXX XXXX and natural person, was denied credit by BARCLAYS LUXURY CARD when I applied, who is in possession/control of a legal person ( XXXX XXXX ) of whom I am the Executor of the Estate/Trust of ( XXXX XXXX ) through a SS-4 form from the Treasury with a EIN with credits/funds exceeding $ XXXX in which credits are taken from every time my social is used. I am co-signing/the co-signer for the legal person ( XXXX XXXX ) when Im entering into any consumer credit transaction/consumer transaction..
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act ( Regulation B ) which is codified in 15 U.S.C 1691 ( a ) ( c ) and is pursuant to civil liability under 15 U.S.C 1692k. Also they willingly and knowingly provided false and misleading information to me to make that decision 15 U.S.C 1611 denying me extension of my own credit. They also told me that I had to make a down payment when its a consumer credit transaction and thats breaking the law 15 U.S.C 1605, 15 U.S.C 1611. A creditor shall not refuse to grant a individual account to a credit worthy applicant for ANY prohibited basis 12 CFR 1002.7 ( a ).
You are subject to criminal liability for violating 15 U.S.C 1691 and 15 U.S.C 1611 as I have proof that I was discriminated against by BARCLAYS LUXURY CARD due to the response I received.
BARCLAYS LUXURY CARD is in violation of 15 U.S.C1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer, made a application in good faith, but credit was not issued.
Furthermore, because my social security number ( credit card ) 15 U.S.C 1602 ( l ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of BARCLAYS LUXURY CARD15 U.S.C 1602 ( p ).
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| 08/12/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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On XX/XX/19 I entered into a repayment agreement with Barclays to pay $ XXXX/mn on my account. I paid them {$160.00} on XX/XX/19 & set it up on an auto pay for the XXXX of the month, when the bill is originally due. I made sure to specify they were to take out $ XXXX/mn only. On XX/XX/19, Barclays not only withdrew {$1000.00} from my checking acct, but they set up their own auto pay in the amount of " other ''. On XX/XX/19, I received a notice from my bank that I had used the overdraft on my account. After investigating, I saw that Barclays had removed the {$1000.00} without my consent & had set up an auto pay of their own to be withdrawn on the XXXX of each month in an undeterminable amount. I immediately contacted Barclays. The customer service agent told me that I had set that auto pay up & authorized the withdraw of {$1000.00}. I talked to XXXX, a supervisor, who advised me that it was a computer glitch. She said it would take 25 days for them to investigate. I contacted my bank, talking to XXXX. She started the process of disputing this withdraw, saying it would take 10 days. On XX/XX/19, I received the {$1000.00} back into my account. Barclays shows the transaction on their end as " an unauthorized cash advance. '' While I have received the funds back, I have been charged with overdraft fees in the amount of {$180.00}, late fees from the gas company, mortgage company & a couple of credit card companies as well as return check fees from the same companies. This would not have happened had Barclays not removed the funds from my account on XX/XX/19. I removed my bank account from my Barclays account. I received the email confirmation for the {$160.00} auto pay AND for another auto pay with the amount " OTHER '' where the payment would be.
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| 10/05/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Getting a credit card
- Delay in processing application
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Web |
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Applied for jet blue plus card. Called because checked status online and said denied. Was told that I wasn't actually denied yet, that needed to provide more information on XX/XX/XXXX. I indicated that I did not feel comfortable sending front and back of my social security card. Was given option of sending my 1040. I asked about blacking out social security number and was told it was fine. Sent it in, waited was still denied because 1040 was blacked out. I called several times and was given the option to send it in again with my husband and daughters socials blacked out and mine visible as they were not on the card. Called next day to confirm fax number and again confirmed blacking out their socials. Faxed the document with my full social visible. Requested several phone calls back, no one called me back. Spoke to one manager who said that they didn't receive fax but confirmed again that it would be ok with blackouts. Found out I'm denied AGAIN based on blackouts. Credit was approved almost instantaneous can't get through security and continuously lied too. Employees including managers give different stories and each says the last person was wrong. Filed with the XXXX XXXX XXXX, the office of the president finally calls me back. They promise to look into it. Take a few days, get back to me that they are sending me a letter regarding the XXXX case ( still have not received it ) and were going to make it right by me. Promised to have the letter within XXXX hours as of Wednesday XX/XX/XXXX around XXXX. It is not Thursday XX/XX/XXXX, have not received said letter, have sent multiple messages, phone calls. No responses from anyone. Feel very goated into giving information that from the XXXX phone call I informed them I was not comfortable with.
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| 04/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am a Banana Republic credit card holder. I am disputing the total amount of {$190.00}. I made a hotel reservation for XXXX XXXX XXXX in XXXX, WI, through XXXX on XX/XX/XXXX, for two nights for {$190.00} using my Banana Republic credit card. When I arrived at the hotel, I was informed of an issue with XXXX credit card ; therefore, the hotel could not check me in. I called XXXX to tell them of the issues. I was instructed by XXXX customer representative on the phone to cancel the booking for a full refund from XXXX and to book directly through the hotel since she did not have the authorization to clear their credit card issue that evening. I was told it would take 24 hours before the issue could be cleared. As a result, I canceled the booking with XXXX and booked one night directly with the hotel ( XXXX XXXX XXXX charged me on XXXX XXXX for {$120.00} ). However, after the event, XXXX only refunded me half of the price I paid for the booking ( {$99.00} ). When I called them requesting a full refund, I was informed that they could not refund me the total amount because the hotel did not cancel my reservation. I submitted the hotel 's documentation showing that my reservation was canceled, yet they still would not refund me my total amount. As a result, I disputed the charges with my credit card. When I called my credit card on XX/XX/XXXX, to dispute the charges, I was informed that I should only dispute {$95.00} since I was already refunded the {$99.00}, for a total of {$190.00}. After going through the credit card dispute process, they failed to refund me the disputed amount ( {$95.00} ). When I called again, they informed me to write an appeal letter to reopen the case. I sent the letter on XXXX XXXX, XXXX, and have not received a response.
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| 04/26/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XXXX XXXX , 2017 I received an email from my personal XXXX account that a trip ( Itinerary # XXXX ) had been booked on XXXX trip was booked from XXXX to XXXX XXXX for XXXX , 2017 through XXXX XXXX , 2017 . I immediately went into my XXXX Account and noted how the trip was paid for. Upon arrival at home I looked for my credit card ending in XXXX from Barclays Bank and noticed it was missing. I immediately called Barclays and reported the card-lost-stolen. I was given credit and sent a new card. Days later I noticed the charges appeared back on my online account. Upon further review the names on the itinerary were listed as my XXXX old daughter XXXX XXXX and her XXXX old boyfriend XXXX XXXX . After speaking with my daughter about this unauthorized charge I calle d Barclays a nd advised them of the situation. I explained that these charges were not authorized and the fact that my daughter is XXXX old and unable to travel alone. I was advised b y the Supervisor XXXX ( XXXX ) that this was not going to be covered and that I would be responsible for the charges as the unauthorized charges were made by my daughter. I explained the circumstances and how she was not given permission nor is she authorized on my account to make these charges. XXXX said there was nothing he can do that I would be responsible even though the trip and the hotel would not be taken. I do not understand how Barclays states I am covered against unauthorized charges but yet I am being held liable for the charges. The total amount charged to my card is {$1000.00}. I called XXXX on XXXX / XXXX / 2017 and was advised that I would need to call my credit card company as they agreed this is an unauthorized charge.
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| 02/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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My Barclay 's JetBlue credit card was either lost or stolen on XXXX XXXX, XXXX. Between XXXX XXXX to XXXX XXXX, the credit card was used for {$2600.00} of fraudulent purchases and cash advances in the XXXX XXXX area. On XXXX XXXX I received a text message from Barclays alerting me that there was suspicious activity on my account, and I immediately called Barclays to inform them that all recent activity on my account was fraudulent and to cancel the credit card. I also submitted a form online identifying and disputing the fraudulent activity.
After several weeks, some of the fraudulent activity was still posted to my account, and after several more phone calls to Barclays customer service, I was finally able to get all fraudulent activity tagged removed from my account.
However, on XXXX XXXX, XXXX, I received another letter in the mail from Barclays stating that they had completed their fraud investigation and determined that some of the transactions we valid ( which they were not ). These fraudulent charges had been added back to my account. They provided me with no evidence to prove these charges were valid either in writing or on the phone. After multiple phone calls with Barclays on XXXX XXXX, XXXX, they stated they would only reopen the investigation into this fraud if I was able to file a police report, which I did that same day.
All purchases and cash advances ( totaling {$2600.00} ) on my Barclays JetBlue credit card between XXXX XXXX and XXXX, XXXX are fraudulent and not made or approved by me. The card was either lost or stolen -- and not in my possession when these charges were made. After XXXX calls and multiple hours on the phone with Barclays customer service, some of these fraudulent charges are still on my credit card.
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| 01/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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My statement cycle ends on the XXXX of each month ; I had paid a payment to them on XX/XX/XXXX for {$XXXX} to cover minimum due for the XX/XX/XXXX due date. When my statement generated on XX/XX/XXXX it did reflect the payment that I had made and left a balance of {$XXXX} due on my account. I checked this again later in the month and that is the amount that was reflected on my online account {$XXXX} and I decided to pay this card off entirely as I have been doing with other cards, including XXXX separate cards from XXXX. I paid the {$XXXX} amount that was shown as my " current balance '' on XX/XX/XXXX when I logged into the website. The payment was deducted and I anticipated that this balance was satisfied entirely. Today, I log into the account to check and there is a balance shown that generated on my XX/XX/XXXX statement for interest totaling {$XXXX} and there are XXXX transactions showing XXXX separate interest charges ; XXXX for {$XXXX} and another showing {$XXXX}. I am not understanding how if I paid the entirety of the balance shown on the website on XX/XX/XXXX how there is any interest charged to my account. When the statement generated on XX/XX/XXXX my account balance should have been XXXX. As I mentioned, I have been paying off other cards ( including with this same company ) and none of them have done this. I reached out to the company and was only told that XXXX charge was interest due from when Barclay 's acquired my account from XXXX. That happened months ago and any/all balances should have been reflected on the website on XX/XX/XXXX when I paid the entirety of the balance of {$XXXX}. I do not feel I should owe the amount of the XX/XX/XXXX statement balance of {$XXXX} and I would like for the company to remove these charges.
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| 02/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I have previously filed a complaint against this company Complaint Number XXXX. On dated XX/XX/XXXX statement because I contacted your agency, XXXX posted my accounted with $ XXXX misposted payment and {$100.00} Encode Error.
On dated XX/XX/XXXX statement, there are two transactions dated XX/XX/XXXX Encode Error Reversal - {$100.00} and {$1000.00}.
This transaction took away the " misposted payment '' that was given to me on XX/XX/XXXX statement. It also caused a my account NOT to be paid in full as I always do and have done for all the years I have own the card so interest charge was applied of {$51.00} I immediately called XXXX and spoke with a Manager named XXXX and he insisted at first that it was because I did not pay {$1000.00} back in XXXX. According to the notes posted on the account, the items submitted from myself were not clearly visible. XXXX opened a case number XXXX. He then read more into the notes and said that the settlement team made the decision to place the Encode Error Reversal on the account and take away the money that was rightfully mine that I deposited to XXXX in XX/XX/XXXX ( 3 months ago ).
Again I am not sure how this could be as I provide the XXXX receipt that clearly shows the numeric numbers as well as the XXXX phone number and the XXXX XXXX numbers that one can call and listen to the automated answer as to the value of each money order. The person on the phone said he had to open another case and needed 30+ days to review the material. I told him to pick up the phone and call XXXX and put in the XXXX XXXX numbers and you will hear the values and that will take less than 10 minutes. I am tired of calling people and being on the phone for hours at a time trying to get creditted MY OWN MONEY! IT IS WRONG!
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| 06/26/2015 |
Yes |
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- Advertising and marketing
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Web |
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In XX/XX/XXXX my husband and I took on a line of XXXX XXXX via Barclay Card in order to buy a computer. The credit line was advertised as XXXX months, no interest. Two years later, in XXXX of this year I was blindsided by a {$630.00} interest charge on my account. I inquired with the creditor and this was their response : '' Our records show that you received an extended amount of time to pay off your XXXX purchase without receiving finance charges. Where the purchase was not paid in full by XX/XX/XXXX, finance charges were calculated from the original date of purchase and billed to your account in the amount of {$630.00}.
" We would like to inform you that we placed numerous reminders on your monthly statements informing you that the expiration time is approaching and that you need to pay the purchase in full to avoid being assessed finance charges. We also send you a number of informational emails that would have provided you with additional information on how deferred financing works, as well as reminders, explaining that your purchase needs to be paid off by the expiration date provided on your monthly statements. " Though the company says I was sent " informational emails '' and " reminders '' I do not recall any of these. I had no clue a finance charge bomb was looming -- or that creditors were allowed to do such a thing. I was under the impression that this line of credit, although an albatross I could n't wait to pay off, was in good standing. Now my balance is over the approved line of credit and I owe more than I originally charged for the computer. I know this is no subprime loan, but it seems like these practices should be illegal. And of course, I know I 'm not the only XXXX who needed a computer and had no cash in hand.
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| 12/11/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX they issued a provisional credit as I stated and I guess this bank as usual doesnt read things right that in a dispute they sold fake cases I learned that so I didnt open the package I REFUSED the package on XX/XX/XXXX of XXXX. See the tracking number!!! When you refuse through the XXXX they take it back and return back to sender. I am not responsible after refusing the package ( as its not in my position its the XXXX sending it back to the original sender ) if the XXXX delivered it. Upon calling them today they said they did. So I suggest the bank and the merchant deal with that because I returned it!! Its says refused which means I dont even have it in my possession the XXXX sends back to sender when you refuse! The XXXX man said they would only do this if I refused it and did not open it. So I refused it as I will provide the screenshot from the actual XXXX website and it was on its way back. Thus when you refuse a package its returned to sender. If the merchant is that ignorant they should probably call the XXXX and speak with them. I am providing the actual tracking, Barclays response that the merchant is right which is laughable since I never had opened said package it was refused!!, and the mailman scanned it refused so I didnt touch the package.
I suggest the merchant and Barclays give me the XXXX back as I have the proof attached it was refused by me and back to their state. If I dont see the XXXX youll be hearing from my law firm. You know the one you say you call but you never leave a message but nice try saying you contact people when you clearly dont leave messages for them.
Last warning Barclay you see it refused and you are blatantly refusing to credit me you instead charged it back on Me. Thats fraud.
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| 06/21/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Hello, I recently applied for credit and was denied due to a delinquency and now collection against an old credit card of mine. The credit card is BARCLAYS BANK DELAWARE. I went on XXXX XXXX and it shows they are saying my account is delinquent {$360.00}. I disputed the amount on the phone with them last week XX/XX/XXXX and they told me there is nothing I can do because they've sold the debt to a secondary debt collector and this issue is getting out of control and effecting my ability to get access to credit. Below is the timeline of events against my account with Barclay.
Last Payment Made : ( PAID IN FULL ) XX/XX/XXXX At this time I put the card in a secure location and NEVER USED IT AGAIN Unaware to me a FRAUDULENT charge was Made : XX/XX/XXXX in the amount of {$3.00}. Barclay would not say how than my account got to {$360.00} but I am assuming they were continually charging my account late fees and interest.
I WAS NEVER ONCE CONTACT BY MAIL, PHONE OR EMAIL notifying me Barclay Bank Delaware Closed my account : XX/XX/XXXX Again I was never contacted notifying me of this action taken I finally relieved there was a problem XX/XX/XXXX and immediately contacted Barclay first to understand what happened and second to report fraud on my account. The first represented told me about the {$3.00} charger back on XX/XX/XXXX but would not tell me how the account got to {$360.00}, I was than transfer to an account specialist who told me they sold the debt and that they could not speak with me or resolve the debt, I than requested to be transferred to their Fraud department and I was hung up on TWICE. Barclay customer support would not tell me the name of the debt collector and I am at a loss on how to resolve this.
Please help. Thank you.
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| 10/25/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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On XX/XX/XXXX, I received an email from Barclay 's titled " ( My name ), earn additional miles this summer ''.
The text stated : " Earn more this summer! Use your Barclaycard XXXX XXXX Mastercard to earn an additional XXXX miles for every {$1.00} spent on grocery store, drug store and restaurant purchases, up to XXXX miles, from XX/XX/XXXX to XXXX1 Plus earn an additional XXXX miles if you spend at least {$3000.00} on purchases from XX/XX/XXXX to XXXX.1 Remember, this is in addition to the miles you already earn with your Barclaycard XXXX XXXX Mastercard .
...
All miles earned from this promotion will appear on your statement 6-8 weeks after the end of the promotion. '' On XX/XX/XXXX, I made a purchase for {$3500.00} clearly over the {$3000.00} purchases required. I paid this balance off on XX/XX/XXXX.
So now I have met the requirement for the XXXX points but I had to wait 8 weeks after the XXXX to actually receive my points.
I waited 7 and a half weeks and DID NOT receive my points. I called Barclay 's making sure that I had met the requirement and should be receiving the points. The call center employee confirmed that I met the requirements but since there were 2 days left until the end of the 8 weeks that I should wait and call again.
It is now XX/XX/XXXX weeks after the expiration of this offer and I have yet to receive my points.
I called today and they said that they have opened a case and that it will take up to XXXX billing cycles to investigate the case and give me my points. I intended to use these points for a trip in XXXX but now these points XXXX not be even rewarded by then.
This process is incredibly broken and when consumers activate a promotional offer, they should be given the points without hassle.
|
| 05/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
My problem involves a dispute with Barclays Bank.
On XX/XX/XXXX XXXX canceled my upcoming trip to the XXXX XXXX, scheduled for XX/XX/XXXX, XXXX. XXXX waived any cancellation fees.
On XX/XX/XXXX, I called Barclays dispute division to file a claim. I waited a full 3.5 hours on hold, only to be transferred back into the hold line, because the representative was following a script and didnt have a proper answer for me. At this point I sent a letter to Barclays, with 12 pages of supporting documentation. I follow up with more useless phone calls, no customer service to be had. I dont know why you pay someone to not assist your customers.
In the meantime, XXXX has credited the non-cancellable flights to our XXXX accounts, no problem, issued the same day.
On XX/XX/XXXX, Barclays confirms dispute, yesterday, XX/XX/XXXX, I receive a letter stating that you are unable to pursue this credit because of the merchants no refund cancellation policy. I sent documentation directly from XXXX stating the cancellation fees ( {$50.00} ) had been waived. In fact I would have had until XX/XX/XXXX to cancel myself with just the {$50.00} cancelation fee. I did not cancel this trip XXXX did.
As a matter of fact, my account on XXXX shows a credit of {$1300.00} issued XX/XX/XXXX. This has not appeared on my account, and XXXX has been answering disputes with this false claim.
I filed a dispute for SERVICES NOT RENDERED, NOT TRIP CANCELLATION. I paid XXXX {$1300.00} for a 7 night stay in the XXXX XXXX. I have documentation that XXXX did not pay the XXXX XXXX XXXX in the XXXX XXXX. XXXX actually pays the hotel at the end of the stay.
XXXX paused operations and told me to take the issue up with my bank. They have my money and you are refusing to assist me.
|
| 10/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
In XX/XX/XXXX, I closed my XXXX XXXX XXXX due to lousy customer service. At the time, the credit card company misapplied payments I had established and refused to correct the problem Since then I've been paying faithfully on my remaining balance, cutting it almost in half. Also since then, I've had limited access to my account online so that I could establish and, if needed, modify online payments. I also use the card 's free credit score service.
On today 's date, Thursday, XX/XX/XXXX, I tried to access my account on another computer and entered an incorrect password. I was immediately locked out of my account. The only way to access the account and remove the lock is to provide the full 16-digit credit card number and three-digit code on the back, which creates a paradox since the account has been closed for years.
Also on today 's date, I contacted customer service and spoke to two representatives who refused to help me. The first person said online access ends after six months of closing a card, which doesn't make sense because I've had access to my account online for nearly four years. A second representative said the only way to access my account is with the 16-digit account number, which he said is on the statement. However, I was at work, didn't have the statement with me, and most credit companies have a variety of ways to verify one 's identity. The lousy customer service I received today is of the same level of poor service I received previously. All I want is the ability to access my account to modify payments as needed. It's a closed account so there's no identify theft risk. I will never do business with XXXX XXXX or XXXX XXXX as a result of this fiasco, and encourage everyone else not to give them business either.
|
| 04/25/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I called Barclays card customer service to change my payment automatic payment method on XXXX XXXX XXXX . The reason I was changing my payment method was due to the fact my checking account was closed and changed to a different banking institution. I was denied the ability to provide my payment information due to the fact of the tone of my voice. I feel appalled because I have a deeper voice then what the customer representative felt a XXXX XXXX XXXX female should sound like. I find this offensive and disrespectful. I even asked for th e manager who I spoke to XXXX and I was still denied. I verified all security questions and even additional security questions not normally asked. -Last 4 social -Telephone number -Birth date -My husbands name I even offered my full social or mailing and property address. This is very disrespectful especially when all I wanted to do was make sure the payment was paid on time. I am already having a hard time trying to make my payments and for them to make it more difficult for me is insane. Being discriminated because I sound like a male? is that what this world has come to? what if I looked like a male in person or a female? Discrimination is a crime and I want this taken care of. I was then asked to send in a copy of my ID and or utility bill to verify it was me. The funny thing is it was going to take 2 w eeks for them to verify me? In my mind i was thinking how about my XXXX profile. Again Absurd I know however I am furious. I want nothing to do with your company no longer. Especially since you are making it so difficult to make payments. Charge off my balance!!! need I say more to discriminate someone by the sound of their voice is inhumane.
|
| 05/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX I made a charge {$10000.00} on my Barclays credit card. I made the purchases with XXXX with the understanding that if i did everything instructed of me, I was guaranteed to make at least my initial investment back totally {$76000.00}. Please see " Investment Commitment '' in attachments. Furthermore, the Investment Commitment certificate states if I have not made my money back, they will continue to work with me until I have achieved this. On XX/XX/XXXX, the FEDERAL TRADE COMMISION and UTAH DIVISION OF CONSUMER PROTECTION filed an injunction and a restraining order to cease and desist all business practices.
Upon finding out of the business closure, I have reached out directly to the merchant resulting no answers nor resolutions. With no success reaching the merchant, I contacted Barclays ' customer service no less than 5 plus times. Each call had a holding time of at least 1 hours before speaking with anyone. The initial call was XX/XX/XXXX where I requested a dispute case to be opened. They asked for it to be a written reuqest and additional information supporting my situation. All information was submitted via mail and fax. I recieved a letter via postal mail dated XX/XX/XXXX that a dispute specialist will take over my case. Another letter dated XX/XX/XXXX just 3 days later was a denial to the resolution. How is a proper investigation completed in less than 3 days? Extremely disappointed, I asked for the case to be escalated.
I followed up with another call on XX/XX/XXXX to check on my status and spoke with XXXX. She was not able to give me any updates on my status and could not offer any assistance. She placed me on a call back list for a supervisor in 5- 10 days but no supervisor/ manager have returned my call.
|
| 04/22/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
XXXX XXXX XXXX XXXXXXXX XXXX XXXX sent me a letter stating I owed Barclay 's Card money. I sent a validation letter stating I needed the signed contract that showed I agreed to pay. Also that I needed their license number to show the can legally collect in my state. Also that I would need 30 days upon receiving the information to investigate and that they have to stop all collection activity during the investigation period. They sent me back bills from the credit card company. They did not show any documentation with my signature showing I agreed to pay what they said I owe. Also did not send any license number whether it be their attorney license number or debt collections number. the letterhead says the offices of XXXX XXXX XXXX and also ends with that with no signature. I found that XXXX XXXX hasn't had anything to do with the company since 2007 and is not a member of the bar anymore. The company also isn't registered as a debt collector with my state. I have received papers for a lawsuit. Still on those papers no attorney is named just the law office. Since I'm not being sued by an attorney or member of the bar but instead from a company operating as a debt collection agency that company needs to be registered to collect in my state. Under the Fair Debt Collections Practices Act this company is acting in deceiving ways which is against the law. This company and the one they represent still are reporting negative information to the 3 major credit bureau 's though failed to validate the debt again a violation of the Fair Debt Collections Practices Act as well as Fair Credit Reporting Act. It is also defamation of character. I know of many others who have filed complaints as well. This company is a fraud and needs to be shut down!
|
| 10/25/2023 |
Yes |
- Credit card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I tried to pay my credit card off in the beginning of XX/XX/2023. I had requested a new credit card and they told me they couldnt except my payment because they had closed my previous card and didnt have a new card number to apply the payment to. They gave me a payoff amount and when I received the new card I payed that amount and the same amount was listed on the website. I assumed this was taken care of. I then got a notice in XXXX on XXXX XXXX that I had a late payment reported. I called the credit card company and they said that there was {$8.00} outstanding ( I dont know what this charge was because I paid the card off and made no further purchases ) and late fees. In XXXX there was a dispute issued for the late fees and negative report to the credit bureau. I called numerous times for a follow up and still no resolution. On XX/XX/XXXX I called to find out the status of the dispute. I said can I just pay this to avoid further late charges and more concerning another negative report to the credit bureau. The customer service agent said I could not make a payment because it was in the dispute review. He assured me to just wait until the dispute was completed. I got notice on XXXX XXXX that my credit score was even lower and an additional late fee was added to the credit card. So, I was on the phone for another 1 1/2 hours trying to find out why this was reported again since they refused my payment the previous week and it is all being reviewed. ( My credit score has taken well over XXXX point hit because this. ) The customer service person said he is escalating the case again and I would hear back in 7 - 10 business days. I have heard this at least twice before and still have no resolution. I just want my credit score restored.
|
| 08/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with cash advances
|
|
Web |
|
|
Today I noticed two cash advance fee ( {$12.00} and {$10.00} XXXX were posted on my Barclaycard ending in XXXX. I called the bank and they said these were charged due to two recent same-day transactions with XXXX XXXX. However in this XXXX, I called Barclaycard and had a phone representative to lower my cash advance on this card to {$1.00} ( because according to her {$0.00} cash advance can not be setup ), and she confirmed any cash advance transaction over {$1.00} would be automatically declined. So, anyway, in today 's call, the new rep confirmed there was no cash advance limit set up on my account, and they were not able to waive the cash advance fee. I asked to speak to a supervisor, she looked up my account and would only waive the {$10.00} cash advance fee as a courtesy because it was the latest posted ... So my understanding is, back then during my call with the female rep, either she messed up on her side that she did not successfully lowered the cash advance limit, or she simply lied to me, as the male rep today said he could not find such cash advance limit change on file. Unfortunately, I do not have any email proof as this was conducted by phone, but I hope the call with the female rep in XXXX was recorded in case the bank needs any proof. These two " cash advance '' were definitely not intentional as I would believe any cash advance would not be able to go through like the female rep firmly told me. Therefore, I do not think it is fair for me to bear the cost of this cash transaction fee due to the fault of their representative. In addition, both cash advances happened and posted on the same day, it does not make sense that one is latest posted ( while the other maybe 1 second later ) so they can only reverse one fee.
|
| 10/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I sent a letter dated XX/XX/18 to Barclaycard disputing late payments and the accuracy of those late payments. I was very detailed in my letter which stated the following " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing the account is being reported ''. I received a letter from Barclaycard that was not dated and stated that the requested statement reprints were enclosed. In my letter I never requested statement reprints. After I received the letter from Barclaycard, I pulled my credit report from XXXX dated XX/XX/18. According to the FRCA section 623 ( a ) ( 3 ), a data furnisher is supposed to contact the credit bureaus on behalf of the customer any time a customer questions a line item that is reported on a credit report, and mark the item as being disputed within 30 days. This account was not marked in dispute. I sent another letter dated XX/XX/18 to Barclaycard detailing that they had not provided proper validation of reporting late payments and requested the late payments be removed. I received a letter from Barclaycard dated XX/XX/18 stating they had completed their investigation and had sent validation on XX/XX/18. I have no letter in my possession from Barclaycard dated XX/XX/18. I pulled my XXXX report again on XX/XX/18 and my account was not marked in dispute. I also sent letters to XXXX, XXXX, and XXXX disputing the late payments of this account and all three credit bureaus reported the late payments were valid, yet my account was not marked in dispute. Please see attachments for all correspondence.
|
| 09/07/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
Barclays Bank Delaware will not let me transfer monies to a verified and established external account to XXXX Access or vis [ XXXX XXXX, XXXX. ]. On XX/XX/XXXX XXXX test XXXX Access labeled as " XXXX '' were sent to Barclays, on XX/XX/XXXX XXXX test deposits from Barclays Bank Delaware labeled as " XXXX XXXX XXXX '' were confirmed. However, this was not good enough for Barclays who grayed out my account access to XXXX to transfer then and not being able to verify the amounts. I could not understand, I was told that in addition that either a bank statement or proof of account ownership letter must be sent to Barclays and since my account with XXXX was less than XXXX days I had no statement, that XXXX drafted a proper letterhead of account ownership. Barclays, then rejects my questions and dodges why in fact, is the account an issue, other than being told acocunt verification being factuated and the letter dated XXXX was sent to XXXX ( mandatory ), Barclays ignores my email which were sent via their internal messaging system and inform me only to call into customer service, when I do, I am given a temper by a phone banker for the verification, which I inform, has already been done and demand as my right to know what exactly the security issues ( if in fact there is XXXX well grounded ) is and since its my monies, I need to know. Barclays refuses and drops off my communications in all formats. I am left in web reverting only back to where I start and each system over again. This issue has been initiated on XX/XX/XXXX, this is now XXXX ( XXXX ) days ongoing. Barclays, as I allege, are holding my monies XXXX. I am able to append and include more additional evidence and logs of the ongoing matter to justify the complaint if needed.
|
| 11/19/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
I applied for the XXXX XXXX issued by Barclays on XXXX/XXXX/XXXX at about XXXX XXXX XXXX. I was not instantaneously approved for the card, so I called XXXX at about XXXX XXXX XXXX to find out about the status of my application. I spoke with a representative who told me that in order for Barclays to process my application, I would have to send to Barclays through the mail a copy of my drivers ' license, a copy of my social security card, and a copy of one of my utility bills. In this age of identity theft, I have never heard of anything so absurd as a request to send all of my personal identifying information in one envelope to some random P.O. Box through the mail leaving me with no confidence that my information is secure!!!. XXXX knows what would happen to those copies once dropped into the mailbox! My girlfriend experienced the same issue when applying for the XXXX XXXX and, after asking to speak with a supervisor, was able to confirm her identity with Barclays by answering the questions the supervisor asked based on information in her credit report. That supervisor also told my girlfriend that sometimes Barclays will verify a customer 's identify by sending a code via text to the customer 's cell phone. When I asked for the same courtesy, the supervisor I spoke with insisted that I must send my identifying information to Barclays via mail or fax. As far as I am concerned, this should be illegal. There are many far better ways to verify my identity than to ask me to expose myself to identify theft. A COPY OF MY SOCIAL SECURITY CARD TOGETHER WITH MY LICENSE??? THROUGH THE MAIL??? ARE YOU SERIOUS??? Are Barclays executives prepared to answer to Congress to explain how this method for verifying customer information is secure???
|
| 10/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Some of the dates may be off by a few days because I didn't start writing things down until XXXX, but the basics are that Barclay was sent an overpayment of {$15000.00} XXXX XX/XX/2019 from my bank 's billpay service ( XXXX, it was sent as an ACH ). I immediately called Barclay and was told I need to wait until they process it. On XXXX XXXX, I confirmed that they had a {$15000.00} credit on the account and requested return of that money through their online account. It said 7-10 business days. I called 10-12 business days later ( probably XXXX XXXX ) and was told a check was sent. I told them I had not recieved it, they could not tell me when and where it was sent and didn't have any way of tracking it. I called several times over the next 2 weeks and was told the same thing. I called just before I left on a 3-4 week vacation ( probably XXXX or XXXX XXXX and asked them to send a new check. When I returned late XXXX ( probably XXXX ) there was no check. I called and they told me a check was sent out XXXX XXXX, but couldn't tell me where it was sent to and still were unable to track it. I called several times requesting a new check. It is XXXX XXXX and I am no closer to a check. I just had a conference with the people who run the billpay service, XXXX, a Barclay representative, myself and my wife. They are still unable to tell me when I can expect a check. Their plan is to send it the same way they claim they sent it last time, without a tracking plan, so if it doesn't arrive again, I am back where I started. At this point it seems like it could be called grand theft or wire fraud. I am unable to upload my wife 's file as I cancelled the account due to their poor service, but I copied my messages to them thru my wyndham account.
|
| 07/03/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I opened an XXXX XXXX card issued by Barclays in the summer of XX/XX/XXXXin order to purchase from the XXXX XXXX and receive points for it. Unfortunately, one year later I had a housing crisis and called Barclays to enter this credit card into the Financial Hardship Program. The account was closed, my interest rate and minimum payments were lowered and the late fee was waived. I successfully completed the program in one year and began making regular payments until I paid the entire balance a few months ago. However, when I started shopping around for a refinance on my student loans, I noticed that I was getting denied due to " excessive late payments. '' I pulled my credit reports and noticed that Barclays listed this closed account as 30 days late for six consecutive months ( XX/XX/XXXX XX/XX/XXXX) after I entered it into the hardship program. If I had known that my account was going to be marked late, despite paying on time on the same day for an entire year and AFTER enrolling in the hardship program, then I would n't have joined a " hardship program. '' I 've disputed with XXXX, XXXX and XXXX multiple times - online and in writing - as well as directly with Barclays. They keep saying that the reporting is correct despite the documents and payment statements ( all directly debited and accounted for from my account ) the contradicts their assertion. I 've asked them to correct my account status or explain how they 've come to their conclusion, but they refuse to do the first and refuse to explain the latter. This account has been closed for over a year and the balance has been paid in full, so I have no interest in acquiring a Barclays card or co-branded card after the run-around I 've received from them.
|
| 09/18/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Right now I owe a big chunk of funds to the IRS for taxes, and I am trying to collect as much money as possible to pay them, so I am late on my payments with my XXXX credit card. The company closed my account, and they call me throughout the day to talk about my card balance. I have repeatedly informed them of my situation and let them know that I can pay only around {$25.00} until my taxes are paid.
I understand that the balance needs to be paid. My payments are due on the 21st of each month and I have continually spoke with someone each month about my situation.
The last time I spoke with an agent was on XX/XX/2018. In the phone conversation, I informed her of my situation. She repeatedly asked to to pay a over {$90.00}, which I informed her at this moment could not happen. I told her that something would be paid. Last month in XXXX I paid {$25.00}. Then I asked will they continue to call me throughout the day like they do, and she apologized and told me no, not until after my billing due date, which is on the XXXX of XXXX. She also let me know that she understands my situation, which the other agent said the same in XXXX. No other resolution was presented.
The calls are throughout the day, at least 4 to 5 times during the day 9-5, have began again as of yesterday. I did pick up once, and the person on the other end hung up the phone once I spoke. Today as of XXXX XXXX, I have been called 3 times. Plus I get calls from other phones numbers that are similar to mine. I believe that it may be from the XXXX company as well, routing the call so I would pick up the phone. They told me I would not receive a call from them until after XX/XX/18. I would rather not receive a call at all, especially if they continue to harass me..
|
| 09/28/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
Barclaycard Cash Forward credit card advertises online that their online application process is easy and instant approve or deny. So I applied and immediately got an online message that my application could not be decided upon and I would be contacted by mail in a few weeks. Today I received a letter in the mail saying they cannot process my request until I send them copies of my drivers license, social security card, and bank statement with name and address. No way to contact them by phone or internet was in the mailing I received. Since those are not documents I am willing to send in the mail or fax, I searched online for their customer service phone number and eventually got through to someone who could tell me what was going on. They said my application was already denied, but could be reconsidered if I send those documents. But the documents are only identification documents, nothing to do with whether I am deserving of credit. (In fact, I know I have a FICO score of XXXX.) I told the person I want to withdraw my application but she said I cannot since they already put in the request, I can only wait 30 days to let it expire. Since I have a very high credit rating, this tells me that their online offers to lure people to apply for credit are fraudulent; presumably all people who do are denied at first. Now I anticipate when I go to apply to a different company, my records will show I have an open application somewhere else which will automatically get me denied. And each denial will lower my credit rating more. And with my high credit rating I should never have gotten any denials. I asked if there was a different person I could speak to and she told me know, I cannot do anything but mail or fax all those documents.
|
| 09/05/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
there was a transaction made on XX/XX/XXXX a withdrawal from XXXX ATM machine in the amount of {$300.00}, few days later I found out and immediately reported the matters to XXXX XXXX, they immediately closed the account and re issued me another card, and on XX/XX/XXXX they sent me a letter stating that due to suspicious activity there is a pending investigations, and I will not be held responsible to fraudulent activity, then on XX/XX/XXXX they sent me a letter stating that they completed the investigations base on their research the transaction is valid, I was surprised and shock they put back the whole amount and interest charges to my account, they base their conclusion on the previous transaction which I told them that those previous one is mine and the one iam disputing is NOT mine and somebody used my card, this is unauthorized charges somebody use my card because the PIN no is written on the back of the card, I went to police station to file a police report as per request to me and I immediately sent the copy of the police report to them, what frustrate me most is they are not communicating to me, I keep on initiating to call them on a weekly basis, where is now the policy that any unauthorized charges iam not responsible, the way they conduct their investigation is unacceptable, please help me, why should I be responsible if the transaction is unauthorized, all credit card company is saying zero liability if there is unauthorized charges a consumer is not liable, I myself conducted a investigation because I want to know who use my card I even ask the head of the security to help me but I need a lawyer to do that and a judge order to be able to see the video or cctv footage, please advice and help me thank you so much
|
| 11/24/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I took an " XXXX XXXX '' offer that Barckay 's Old Navy card was having, to pay purchases in monthly payments at lower interest rates. I tried using it on a purchase of {$170.00} that I made on XX/XX/2023 so I made a 6-month plan.
My statement of XX/XX/2023 came with the purchase on it, but because they didn't have an adjusted balance and it was not clear how to adjust the balance myself ( the customer service told me to calculate but by the time the payment for the whole balance was processed ), I paid the entire balance on XX/XX/2023 including the original purchase {$170.00} that I set on the plan.
According to their wording, the {$170.00} that I paid should have paid off the " XXXX XXXX '' plan and stopped the interest. Instead, I realized on the statement of XX/XX/2023 that they are still charging interest and it appeared as if the plan was not paid. When called, they told me that they were using the {$170.00} to pay the plan in 6 months and customer service told me that they were going to remove the interest. Today XX/XX/2023 I see that the new statement has one month paid and is charging me {$2.00} for interest, and didn't return me the previous {$2.00} of interest.
I don't think I should be paying interest on a plan that I paid in advance, that should have been paid off when I paid the whole balance on XX/XX/2023 According to Barclays : " You can pay your XXXX XXXX XXXX early by paying the most recent Statement Balance plus any new transactions that post to your account before your payment is received. This will pay off your statement balance, any new transactions, and any additional XXXX XXXX enrollments. If you pay off XXXX XXXX XXXX early, you wont incur any future finance charges for these enrollments. ''
|
| 05/26/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XXXX XXXX, 2017, I took an XXXX XXXX flight from XXXX, XXXX to XXXX, PA ( flight XXXX ). XXXX charged me {$100.00} for checking a bag on this flight. I paid this fee by using my XXXX XXXX XXXX XXXX credit card, which is issued through Barclays Bank Delaware. XXXX lost my bag and it was finally returned four days after the flight landed in XXXX. I spoke with XXXX on each day to determine the progress in the search, and each time I was told that XXXX would issue a refund for the baggage charge. I was also instructed to contact the refund site for XXXX and explain the circumstances and request a refund. I did this on XXXX XXXX, 2017. I did not hear any response from XXXX regarding my refund request so I contacted the XXXX/Barclays credit card issue to contest the charge. The credit card company told me that I had to deal with the XXXX XXXX company for the refund, and she tied an XXXX XXXX representative into the call. XXXX XXXX told me to submit another refund request. I told the credit card representative that I wanted to contest this transaction. The credit card representative refused to record a challenge to the transaction and again told me that I had to deal with the airline. The credit card representative told me that she could not record a challenge to the charge because the airlines had not guaranteed to deliver my bag as of any particular date ; I responded that it was implicit that it would not take four days to deliver the bag. I have spent hours on this dispute -- going back and forth between the credit card company and the airline. It is my understanding that I have the right to challenge a credit card charge and that XXXX/Barclays should have cooperated even though the dispute is with its affiliate, XXXX XXXX.
|
| 10/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I purchased a XXXX XXXX ( operated by XXXX ), at a XXXX XXXX ( operated by XXXX ) for XXXX on XX/XX/2022.
The card was activated properly at XXXX. However, the card itself was defective, and I could not access the funds on the card at all, or check its balance online, no matter what I tried.
I tried getting a refund from XXXX, but they confirmed the card was activated properly and told me to get in touch with the card servicer directly.
I entered a dialogue with XXXX the card servicer, but after much back and forth they flat-out refused to refund the card or issue a replacement, saying they did not sell cards at XXXX, an outright lie.
Barclays was much more helpful, and issued a provisional credit and started an investigation after I opened a dispute.
However, their initial investigation only dealt with XXXX XXXX who correctly provided documentation that the card was activated properly and that they do not issue refunds on gift cards under any circumstances.
The Barclays representatives I spoke to understood that the problem was more complicated than this, and accepted new documentation from me on XX/XX/2022, a couple of days after their initial finding came in the mail.
Unfortunately, Barclays posted the transaction to my account again after their initial finding, even though I provided their requested documentation and the representative told me explicitly the information I provided was enough to win the case.
It has been more than two months since I provided more documentation, and the charge is still on my card, accumulating interest. The representatives don't have me any additional information whenever I call, besides a verbal confirmation that all my documents are in order and they don't need anything else.
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| 11/16/2016 |
Yes |
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- Closing/Cancelling account
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Web |
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Barclaycard talked to me on XXXX XXXX, 2016 informing me that there had been a payment that did not go through to them on my autopay ( though funds were always available and nothing changed on the side of my bank ) on my barclaycard XXXX XXXX. When I spoke to them on XXXX XXXX, I made a payment immediately by telephone which cleared my bank on XXXX XXXX as suggested by the barclaycard associate on the telephone. Barclaycard had never sent me anything in the mail to inform me that there had been any difficulty with the auto-pay or that any monies were owed because of it. The associate told me that my payment of {$91.00} would put the account back into good standing - protecting my credit and giving me the opportunity to continue with my barclaycard XXXX XXXX. In good faith and taking the company at their word, I made the payment. Today, XX/XX/XXXX2016 I received a letter from Barclaycard dated XXXX XXXX referencing a credit report that they pulled on me ( without prior authorization ) that was dated XXXX XXXX, 2016. The letter stated that based on the information that they had on XXXX XXXX that my account was to be closed. Regardless of already possessing this information, barclaycard coerced me into making a payment after the date of the report under the pretenses that my account would be in good standing. Needless to say, that was a lie to simply collect the payment.
I am concerned that in an attempt to collect on a debt that barclaycard and its employees knowing lied to me about the effects of making a payment while already possessing foreknowledge that the account was slated for closure. I believe that a collection violation and fraud has taken place in the knowing misportrayal of the situation to me by barclaycard.
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| 07/01/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Delay in processing application
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Web |
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Barclays is a disaster. I applied for the XXXX Business Card. My credit was approved. I was personally verified. Then it went to business review for final approval. This department is a disaster and I believe that they are putting personal information at risk through a complete lack of care and mismanagement. First, they told me 5 - 7 business days for processing time. Then I was told there were too many applications and it would take longer. I followed up today and a gentleman took more information from me - supposedly to expedite the processing of my application - and told me it would be completed shortly as the application was already open. Then I called back to get clarification if I'd receive a letter or a call for additional information. The man told me it would be ANOTHER 5-7 BUSINESS DAYS EVEN THOUGH I HAD ALREADY WAITED THE PROLONGED WAIT TIME AND WAS TOLD EARLIER IN THE DAY IT SHOULD BE DONE SOON. He refused to let me speak to a manager to understand why my information was being mismanaged and the first man could access my application but the second couldn't. He also couldn't tell me what happened to the information I provided the first man. I'm scared that this is little more than an identity theft right within Barclays taking people 's personal information bit by bit instead of properly processing applications. They say they are processed in the order they come in. Then why was mine started and not completed today - presumably with others being worked on between? Barclays needs to 1 ) process applications in a timely manner which they absolutely do not 2 ) provide accurate updates on applications 3 ) install safeguards for information because it seems to disappear into space. Their practices are terrifying.
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| 11/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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I received a promotional offer from XXXX for a {$60.00} XXXX credit for signing up for a XXXX XXXX membership. See below Promotion : Promotion is for a {$60.00} statement credit for the purchase of a new XXXX XXXX XXXX XXXX or XXXX XXXX XXXX Membership. To qualify for this promotion, you must purchase a XXXX membership online at XXXX or XXXX at any XXXX XXXX XXXX XXXX your XXXX Rewards XXXX Credit Card XXXX XXXX Rewards XXXX XXXX XXXX XX/XX/XXXX. New members must be 18 years of age or older.
( End of promotion ) I purchased a membership on XX/XX/XXXX @ XXXX XXXX # XXXX.
I was never credited the {$60.00} purchase. On XX/XX/XXXX I send a secure message to XXXX inquiring about the credit. I was told I needed to call XXXX. See below.
Hi XXXX XXXX : Thank you for contacting us about your XXXX XXXX XXXX XXXX XXXX.
In order to provide you with the most individualized service possible, we ask that these requests be made through our XXXX XXXX Department. Please contact us at XXXX. Our agents are available XXXX hours a day, 7 days a week, to discuss what options are available on your account. We apologize for any inconvenience this XXXX cause.
We hope you find this information helpful, and we thank you for your continued business. If you have any other questions or concerns, please reply to this message.
Sincerely, XXXX XXXX ( End of email above ) On XX/XX/XXXX I called XXXX in a XXXX minute at XXXX second call and was told by the representative that the {$60.00} credit would be on my next statement. That statement closed on XX/XX/XXXX with no credit applied.
XXXX has misrepresented the promotion of which I met all of the qualifications AND then again misrepresented in a phone call on receiving the {$60.00} credit.
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| 07/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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Some of these dates may be off by a few days because I didn't keep exact records. I've never had a credit card company not resolve a clear fraud charge.
Around XX/XX/2021, I was alerted about a potential fraudulent charge on my card. I checked my account and saw that unknown charge, as well as a few others. I called Barclays to report the fraud. These were unknown charges to unknown merchants. I had not made them. I had no knowledge of them. Within these charges, there was one for {$920.00} made on XX/XX/2021 to XXXX XXXX. I reported all of the charges as fraudulent. Barclays issued me a new card and said they would investigate.
Within a week or two, I received a letter saying the investigation was complete and all the charges had been removed. When I checked my account, all the charges except the one for {$920.00} were removed. I called Barclays to inquire and they stated the charge for {$920.00} was never flagged as fraudulent. I asked them to flag it again.
A week or two after that, I checked my account and the charge was still not removed. I called Barclays again and the representative told me the charge for {$920.00} was not flagged as fraudulent. She directed me to the investigations team.
I called the investigations team which said they would flag the charge as fraudulent and investigate it. Within a couple days, the charge was removed.
On XX/XX/2021, I received a letter stating that the charge for {$920.00} was valid. The charge was added back to my account. It did not give any reasoning or evidence. I have currently been on hold for over an hour trying to talk to someone. In addition to this complaint, I am sending a certified letter to ask for investigation results and reporting Barclays to the FTC.
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| 02/05/2016 |
Yes |
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Web |
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This complaint relates the manner in which Barclays Card US applies payments when there are both promotional and non-promotional balances. Per a reading of the terms and conditions on the statement, payments are posted first to the higher interest balances and then the excess to the promotional balances. For the statement ending XXXX/XXXX/2016 I had a promotional balance of {$760.00} ( expiring XXXX/XXXX/16 ) and a non promotional balance of {$600.00}. I sent in a payment of {$670.00} on the due date. The a portion of the payment was correctly applied with {$600.00} against the non-promotional balance, however the excess of {$65.00} was applied against yet unbilled non-promotional balances. Under this application, if a consumer is using the card for purchases during a billing cycle, it becomes nearly impossible to payoff the promotional balance. A reasonable individual would understand and expect that if he pays off the entire non-promotional balance and sends additional funds, that these additional funds would be applied towards the promotional balance.
Barclay customer service explained that this is not how it is handled as the yet unbilled non-promotional charges COULD be subject to a higher interest rate than the promotional balances, thus they are paid first, to protect the customer. In reality, this does not protect the customer but creates a scenario when the customer 's promotional balances does not decrease over time and the entire promotional balance must be paid in the final two months in order to avoid paying all of the accrued, yet unbilled finance charges associated with the promotional balances.
While this could be argued is in keeping with the disclosures, it is both morally and ethically deceptive.
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| 03/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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About eight or nine years ago, when I was still in college, my mom, XXXX XXXX XXXX, was worried about how I did not have a credit card to use for any emergencies. I was at this time someone with no credit history. She thought it would be a good idea to put me down as an " Authorized User '' for her BarClays Credit Card just in case I needed to use the card for an emergency as a college student. I do not recall ever using the card, and I certainly never cosigned for it or declared myself liable for any of the debts that were accrued on the card under my mom 's name. Now, all these years later, that BarClays Card is damaging my credit report because XXXX and other companies are treating it as if it is a very old card that I took out or signed for many years ago.
Months ago, I called BarClays to express my frustration about this situation. They claimed that they removed me as an Authorized User from the Card and yet, three months later, my Credit Score is still being dragged down by their BarClays Card. Again, I do not have any access to this card, I never accrued any debts on it, and my name should have no association with it whatsoever. Since I was delisted as an authorized user, I have noticed that they no longer list my mom 's debt as being my own, but I would like my association with the card to be removed completely. The age of the card is serving as a drag on my Credit Score right now.
Ultimately, BarClays should not be on my credit report. I am about to take on a new job and rent an apartment in another state, so I want my credit score to be as good as possible and no longer damaged by my name being associated with this nine year old card that I never signed for and that I have absolutely no access to today.
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| 07/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I opened a JetBlue credit card through Barclays Bank. All was fine except in XX/XX/XXXX while I was out of country XXXX/XXXX charged me for a purchase that was made in XX/XX/XXXX. In XXXX I bought 4 tickets on XXXX XXXX to XXXX, trip was from XXXX XXXX XXXX This charge showed up on my account in XXXX statement which was paid in XX/XX/XXXX. The 2nd duplicate charge in XX/XX/XXXX is what XXXX/XXXX is refusing to remove from my account. I have contacted XXXX XXXX and they have confirmed in writing and in conference call with XXXX that they have not initiated this charge.
The duplicate charge was disputed XX/XX/XXXX, I returned from my trip on XXXX, after going through my bills I had noticed the charge, I disputed it right away and XXXX assured me that they will take care of it. Around that time due to COVID -19 everything was shutdown and finally when I'm able to contact XXXX and ask about the charge they are refusing to reverse it and continue to tell me that this dispute is escalated to higher management and I keep getting letter and harassing phone calls to pay minimum due on the account. In the time, I have talked to at least 50 different relationship managers at XXXX and every single time I'm told how sorry they are that this has happened to me and they will escalate to whoever and take care of it.
Now XXXX has sent this to collection and I have started receiving harassing phone calls from Financial Service company that XXXX contracts out to solve their collections.
I have never been late on any of my payment and this has impacted by credit score by at least 100 points.
I don't know at this point I'm so frustrated and don't know who to turn to resolve this matter.
Hoping to get this matter resolved.
XXXX XXXX
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| 04/06/2017 |
Yes |
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Web |
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I have already submitted a complaint on Barclaycard to you in reference to a credit line reduction and the fact that the did not want to credit a XXXX payment made in XX/XX/XXXX to the XX/XX/XXXX due out. Only one of those two were resolved that being as they quoted as a goodwill gesture they would apply it to be credited to the XX/XX/XXXX payment. As I stated to you in my previous complaint they do this and get away with it so that they can increase the monthly due and the interest rate goes up. I have attached both the XX/XX/XXXX statement and now the new billing for XX/XX/XXXX please note the credit of the XXXX payment. Also as I stated please compare the 2 billings before the complaint was filed the XX/XX/XXXX statement reflected a balance of XXXX with a monthly minimum payment of XXXX now look at the XX/XX/XXXX Billing the Balance Due Increased to XXXX which was an increase. When I pay my other credit cards they may not decrease much but they do decrease some each month, My question now to Barclaycard is where did the XXXX payment go and how did the balance increase instead of decrease. If this was the way they all worked I would never get them paid off. Perhaps what I stated in my last complaint is really true. So again what did they do with the XXXX as it was an overpayment of XXXX over the requested minimum payment due of XXXX. If I had the money I would just pay them off but even then they cant get the right amount reflected as due according to what I figure and that is giving them their Interest charged for that period the current balance should reflect XXXX. I have posted a minimum requested payment due which also went up to be paid to them no sooner than the due date. They need to correct the balance due.
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| 12/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I had requested a balance transfer on my Barclays Credit card to consolidate balances into one payment around the date of XX/XX/21. After requesting the balance transfer, Barclays had charged my credit card twice for the balance transfer, however I had received the monies once for the amount requested. Upon noticing this on my online account, I promptly called Barclays on XX/XX/21 to bring the matter to their attention. I was told by the customer service rep that it was a known issue with Barclays and it had affected other customers as well and that there was not a known time frame for resolution. I had again reached out to Barclays when over a week went by and I did not see/did not hear of resolution. I was told twice via secure message that a manager would reach out to me within 24 hours. Finally on Saturday XX/XX/21 I was called and spoke to a manager who told me that again it was a known issue and there was no timeframe for resolve. He was working from home and there was nothing that he could do. Today Tuesday XX/XX/21, now 3 weeks after my initial contact I called the company again was told that there was nothing that she could do. The IT department was working on the issue, and there was no timeframe of resolution. I had expressed my concerns regarding how long this process is taking since the amount charged my credit card is over {$46000.00} dollars instead of the {$23.00}, 175 ( amount requested plus transfer fees ), it has put me over my credit card limit and has dropped my credit rating from a XXXX to XXXX. This is completely unacceptable and needs to be addressed quickly. Not only on my account but also on other consumers accounts as well as I am sure they are experiencing the same frustrations that I am.
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| 08/07/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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on the above date we booked a round trip flight from XXXX to XXXX leaving XX/XX/20 and arriving back to XXXX on XX/XX/20 -XXXX XXXX record locator XXXX. All fees associated with flight have been returned except for this {$80.00} Booking fee. To be sure XXXX XXXX cancelled this flight and in numerous conversations they claim that the {$80.00} Customer Service fee is non refundable! When we discovered in XX/XX/20 that XXXX had cancelled the flight we requested all funds back. As we initially received nothing we did a detailed dispute with Barclays ( Bank ) and we rcv 'd most of our expenses back but not the {$80.00} fee for XXXX Booking Fee for this flight.
My complaint is against Barclays Credit Card-acct ending in -omitted but available ( XXXX XXXX Master Card ). As evidenced in the attached documents this Barclays credit card has failed to consider our claim of theft of services by XXXX XXXX. In their two rejection letters of XX/XX/20 and XX/XX/20 they cite frivolous and non relevant justifications : a computer chip and a need to " ... dispute closer to the receipt date ''?????? makes no sense the plane was due to leave in a few weeks. what are they talking about??
Barclays customer service was polite but abusive e.g., e mails - directing us to call disputes at Barclays to disabled phone numbers. Although polite they demonstrated no insight or objective review of claims by the Airline that they ( XXXX and Barclays ) were entitled to payment on a flight they booked AND CANCELLED solely by XXXX. To be clear all calls to Barclays disputes ended with a computerized hang up-they have been a nightmare. That is the staff at Barclays-Disputes-failed to protect us from fraudulent billing by XXXX XXXX -theft of services.
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| 04/07/2015 |
Yes |
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- Advertising and marketing
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Web |
Older American |
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On or about XXXX XXXX, XXXX, I was approved for a Barclay credit card. When I Whehn I When I applied, I was comparing XXXX different cards offering 0 % interest.
The Barclay card offered 0 % interest for 14 months and I decided on it.
I was approved for a {$2000.00} credit limit and was told I would receive anemail with the terms. I never received that email.
My first billing statement showed no interest being charged, as expected.
However, my second billing statement showed interest of {$25.00}.
The third billing statement showed interest of {$3200.00}.
The fourth billing statement has interest of {$34.00}, even though thebalance was less than last month.
This was definitely a " bait and switch '' offer. I usually print out the termsof any offer or purchase I make online, but was n't given that opportunityby Barclay and was told I would receive an email from them, which I did.
However, they did nothing except tell me I was " approved ''. I received noterms either by email nor by regular mail.
When I called to complain, I was assured that, yes, I did agree to 24.99 % interest. There is NO WAY I would ever have even applied for this cardat that rate. I immediately cancelled the card. I did n't need it and onlyapplied in order to do some home remodeling at 0 % and then do abalance transfer from my other card. Now I 'm stuck paying off XXXX cards, the Barclay card having almost XXXX the interest rate as the XXXX XXXX I usually use. So far, this false/deceptive advertising has cost me {$92.00} since XXXX XXXX, XXXX, when it was supposed to be {$0.00} untilFebruary, XXXX. I attempted to attach the statements showing theinterest charges but was unable to do so. I will provide them if and whennecessary. Thank you.
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| 08/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I closed my Barclaycard Visa XXXX XXXX card on XX/XX/XXXX. It was paid in full and had a {$0.00} balance. In XXXX they sent me a {$100.00} check for the remaining credit in the account. ( See statement from XXXX final payment and statement from XXXX with refund balance check attached ).
There were no Statements between XXXX of XXXX and XXXX of XXXX because the account was closed In XXXX of XXXX, I was notified of activity on my closed account. I called the support center to notify them that the credit account was closed and there should be no activity. They said they would close it and the activity was a credit/payment of {$630.00} that they would mail a check to me to make the balance {$0.00}. This was necessary to close the account.
After the Statment was posted on XX/XX/XXXX, they mailed a check ( XX/XX/XXXX ) and re-closed the account. I cashed the check.
Then on XX/XX/XXXX they mailed a letter ( attached ) saying the payment was a mistake that they have corrected by adding a debit on the account that would be due on my next billing statement XX/XX/XXXX. The debit was pre-dated as XX/XX/XXXX with a posting date of XX/XX/XXXX. ( See screenshot from account and statements from XXXX and XXXX ).
To Summarize, Barclays is now asking I pay them {$630.00} on activity that should not have been allowed on a closed account. The XXXX statement has not yet closed, but I have already called them and am concerned that they are demanding money for their errors in addition to making transaction on my closed account, predating transactions on my account and potentially applying APR to those transactions when the account is closed and I have, in my mind, no formal agreement with them on APR terms.
What are my options?
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| 12/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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On XX/XX/21 contacted XXXX about an incorrect address on my credit report. They informed me they wouldn't remove it since one of my creditors ( Barclay ) was reporting it. Started a dispute w/XXXX about the address ( XXXX XXXX, XXXX ) XXXX Was told it could take up to 30 days.
Reached out to Barclay. The Representative ( ID XXXX XXXX ) refused to change anything, and falsely stated he could not see any information since sent to collections. Also repeatedly stated that was the only address Barclay EVER had and there was nothing he could do. I asked how/where they had gotten that address. Rep refused to give me an answer, or offer any proof to validate why this is on my credit report. He had none. Asked for supervisor. Spoke w/her she said she WOULD update my account to the correct address ( tix # XXXX XXXX, 3-5 days ).
Finally got the dispute back from XXXX, with the same address on there! They did edit it to say FL XXXX as well. XXXX also claims they have no proof of this address either. How can this be reported, disputed, and still shows up on my credit report w/ZERO documentation given to the consumer as proof? After fleeing my home XXXX XXXX XXXX now unable to find a new place to live for me and my son because of this address on my credit report. All w/out the Barclay and/or XXXX showing any documentation to me at all. If there is verification I have the right to see it or know about it. I do believe this violates my credit bill of rights : " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. '' This still hasn't been done, or any documentation shown.
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| 09/21/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I opened an XXXX XXXX XXXX XXXX through Barclays in XX/XX/XXXX ( approved on XX/XX/XXXX ). I made some intitial purchases and logged into the online account management system. A week or 2 later, I attempted to set up and schedule my first payment. It asked numerous questions, I assume to confirm my identity, but I was unable to recall all the cars I've owned in the last XXXX yrs apparently, and it locked me out of my online account. I called the number it showed and was placed on hold for over 30 min. I called a different day/time, same thing. I did this multiple times, waiting over 3 hrs cumulatively on hold. I finally called different numbers and pressed 0 a lot, and was able to reach someone, they said they were unable to help me. I said I simply wanted to make my payment, they stated they could not process that, and I'd have to wait on hold for the online security department. They placed me on hold for over 30 min. Since then, I have tried calling multiple times, all to no avail. They can't have someone call me back. There is no way to email. So, I've sent a letter, by regular USPS to their complaint department.
I don't know what else to do. I typically pay my balances in full each month and just want to pay my bill. It is now past due, and I'm sure they are charging fees and interest.
I was able to reach someone today and she said the same thing. They can't help me or process my payment, she said she couldn't even closed my account when I asked for that today! She placed me on hold again for the security department - I waited over 30 min again. I'm a XXXX and have kids, I don't have time for this. I just want to pay my bill and get into the account moving forward or close it and no one there will help me.
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| 01/24/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Purchased 2 sets of LED lights through an advertiser on XXXX XXXX XXXX XXXX XXXX XXXX. Product was paid through XXXX. The advertised product used images and name of " XXXX '' which is the intellectual property of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have some of XXXX products and since their name and images were being used on the sales page, thought this was their product. Upon receipt of the product, it is not theirs. Attached are pictures of communication with XXXX XXXX, their refusal to provide refund etc. Their XXXX page shows a XXXX address, the product was shipped from Illinois and they want return to XXXX. The product is not as advertised.
Seller is misrepresenting product as " XXXX '' a registered intellectual property of XXXX XXXX in their advertising and marketing ( see original dispute form and submitted files ). The product shipped from a fulfillment center at XXXX XXXX XXXX, XXXX, IL USA USA and they now want returned to XXXX at purchaser 's expense. Definitely a way to discourage/eliminate return and refund of product. The use of the " XXXX '' trademarked intellectual property in the product listing leads consumer to believe they are purchasing the product of said intellectual property holder.
After filing dispute with XXXX, they heard from seller with option to return to XXXX for consideration and refund. XXXX is not considering the fraudulent use of someone else 's intellectual property or standing up for me as a consumer with a fraudulent product.
The product was shipped from an address in the US, I believe you should be able to return to the US address. The cost to return 11 oz to XXXX is {$36.00} USD This is to discourage from returning product and stalling or eliminating refund.
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| 12/05/2016 |
Yes |
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Web |
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BarclayCard balance transfer promotion will not show as paid off. I began trying to pay a promotion ending XX/XX/2016 a couple months early. To do this I paid above my minimum payment. In addition to other calls, I spoke with a supervisor XX/XX/2016 at XXXX who assured me it was paid in full. In the meantime, I accepted another balance promotion. Because I did this, they said all payments made over the minimum were applied to the fees. The representative I spoke with XX/XX/2016 at XXXX said the balance was not paid off and that I still needed to pay {$190.00}. Again, in XXXX I made XXXX payments ( {$190.00} and {$100.00} ). On XX/XX/2016 the XX/XX/XXXX statement shows a promotional balance of {$69.00}. Upon calling XX/XX/2016 at XXXX the representative sees XXXX payments in XX/XX/XXXX were received and could not figure out why it still has a balance. She opened a case ( # XXXX ). At my request a supervisor came on the line and again like the supervisor in XXXX, said the promo balance was paid in full. I referred her to the statement and she then stated it was because the statement closed on XX/XX/XXXX. I questioned why this would matter since the XX/XX/XXXX payments posted XX/XX/XXXX & XX/XX/XXXX. Further, I advised the statement indicates " balance subject to interest rate ''. I advised her I have called several times but I am sure they are taking advantage of customers who do not have the time to sit on the phone and wait because when I call I get placed on hold more than once while they " look into it '' and when they need to " get a supervisor ''. Very time consuming. I feel they are taking advantage of some sort of leap hole to charge customers interest fees even after the customer has paid off the balances.
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| 01/22/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX, I received an alert from the credit card company Barclaycard US that potentially fraudulent transactions had been charged to my account. I logged into the app to check recent transactions and confirmed that the pending charges were not purchases I had made. I also noticed another transaction from a week prior, XX/XX/XXXX that I had not made. I immediately called the company and confirmed that the flagged transactions were fraudulent and that the other transaction from XX/XX/XXXX was also fraudulent. This transaction was from a merchant called " XXXX '' in XXXX and was for {$2500.00}. The XXXX transaction, as well as the other fraudulent charges, were reversed. My current card was cancelled and a new card was mailed out.
This month, on XX/XX/XXXX, I was checking my transactions in the app when I noticed that the XXXX transaction had been charged to my account again on XX/XX/XXXX. I immediately called the company and was notified that they had determined that I was at fault for the transaction based on records that the merchant had provided. I was never contacted for details about this transaction, nor to confirm or dispute the supposed evidence the merchant had provided. This charge was indeed fraudulent. I have never purchased anything from this merchant, and have not received any goods or services from this merchant. During this phone call with customer service, I requested that any documents they used to make their determination be mailed to me. As of today, XX/XX/XXXX, I have not received anything. Additionally, I was told that this case would be re-opened and reinvestigated, however the charge is still on my account, and I am being charged interest on this charge, for which I am not liable.
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| 11/23/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
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- Other transaction problem
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Web |
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I requested a balance transfer over the phone to Wyndham Credit Card Barclay in the amount of {$10000.00} on XX/XX/22 to my uncles business account at XXXX XXXX XXXX.
They state that the amount was processed and the money was sent, but this is not the case. I was told the transfer would go through in 5-10 business days. That never happened.
I was told on XX/XX/22 that the amount was sent to a different account ( my XXXX personal checking ) - and that was not accurate to my XX/XX/22 request. So the representative submitted an escalation of the issue. According to representatives since then- the original balance transfer request was correct to my uncles account.
I have called repeatedly and I get a different answer every time. The most consistent answer is that I have to keep waiting for resolution.
As of today, no money has been transferred to either of the 2 accounts, but I have a charge on my credit card for {$10000.00} plus {$300.00} fee. The first payment will be due on XX/XX/22 and no one can tell me why Im being charged if no money has been exchanged. They insist the money was transferred, however this is not correct. XXXX XXXX XXXXXXXX was contacted and they do not have any evidence of a transfer.
XXXX will not allow me to speak with anyone above an account manager and can not answer my questions. I was told to wait 7-10 days for a letter. After that time passed, they changed the number of days to 30 days.
This is a trend, every time I would call I would get different answers as to when the transfer would happen.
I need help, today is XX/XX/22. I am being charged for funds that were not transferred. At this point I do not want to do business with this bank. I would like all of this reversed.
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| 10/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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On XX/XX/XXXX my Barclays XXXX card was stolen from my wallet. I discovered my card was stolen when I received a fraud alert via text from Barclay 's concerning a purchase from XXXX XXXX. I interacted with your auto fraud line immediately to report theft. I called and reported the card stolen.
When I received my statement I discovered an additional charge for XXXX on XX/XX/XXXX was made at XXXX XXXX shop. I filed a dispute via the Barclay website. The charge was not removed. I called and they said there was no record of a dispute. I called many more times to get the dispute filed and resolved. Each time they said there was no dispute, last time they asked for me to fax in a sworn statement. I faxed one in on XX/XX/XXXX. When I called 5 days later and asked for the status they said they received it but a dispute was not opened someone would call me back when it was opened. No one has called me back.
The call center is obviously trying to circumvent the filing and resolution of a dispute. There is no avenue to speak to anyone who can resolve the issue. Barclay 's is intentionally subverting the investigation of fraud charges and abusing consumers.
I have asked numerous times to speak directly to someone in their Fraud investigation department, they say I can't be transferred. They say they will request someone from Fraud investigations to call me back. No one has ever called me back.
I do not have the funds to pay this fraudulent charge so they are assessing late fees and interest payments. Barclay has also reported me as being late on my credit report.
I am now being charged late fees and interest for this card. I want the fraudulent charge, interest and late fees removed and my credit report corrected.
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| 07/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
Older American |
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On Friday, XX/XX/XXXX, ( I followed XXXX 's rules and the FTC & called the negative accounts on CRAs. I was disconnected, transferred & repeated my complaint of identity theft to Barclay 's Bank of Delaware! In the 90 minute frustrating & confusion on Barclay 's business tactics of fraudulent business practices with them thinking that I opened account with them in XXXX, they informed me 90 minutes later, that it was opened in XXXX? Then that definitely was not me and they knew/know it was not! I repeated that I opened an account with them about XXXX, I reiterated that I and after XXXX or XXXX never had any major credit cards! In fact, it was not me because after 90 minutes, XXXX informed me the card was opened in XXXX! I repeatedly informed him/XXXX that I stopped using major credit cards before my granddaugfher was born in XXXX! I paid my account balances. I never purchased anything, and never got any bills because I after paying off did not buy nor open another account When I called several months ago, as suggested b the FTC as recovery steps, the lady said, " ... suddenly you started to charge in large increments - {$1500.00} - {$2000.00} & not paying in full as usual! '' No-one called me nor did I receive a bill after paid in full I told XXXX that I did not have any major cards after XXXX or XXXX!
I flled a complaint, sent them the proof of my identity theft from the FTC, copies of police reports and all necessary information from the FTC!
Barclay Bank is not/has not followed laws for identity theft victims! XXXX thought he could trick me I infer by his tone of voice and arrogant attitude that I do not know how he sleelps nights lied on the Credit Reporting Agencies! I did not open that account in XXXX!!
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| 08/30/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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Web |
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On approximately XX/XX/XXXX I attempted to perform an on-line balance transfer to XXXX XXXX Credit Card. The screen displayed the transaction was unsuccessful. I contacted XXXX XXXX and spoke to a young lady. I asked if the balance transfer was successful, and was told no. I asked if there was a 0 % balance transfer, and was told no. I told her that I did not want to transfer anything, and asked her several times to confirm there was not a balance transfer made. After time passed ( approximately 1-2 months ) I received a bill showing a {$20000.00} balance transfer. I immediately called and spoke to a Floor Supervisor named XXXX ext XXXX XXXX. XXXX confirmed the balance transfer showed it did not go through. XXXX told me she would speak to her supervisor to have this the transfer undone. XXXX and I spoke regularly about this option, but nothing was ever done. I spoke to many supervisors, who all said the same thing, the transfer should not have happened because I did not authorize it. I spoke to XXXX ext XXXX, XXXX ( pronounced XXXX ) and finally XXXX onXX/XX/XXXX who assured me the fees and interest would be reversed and they would refund the money on my credit card byXX/XX/XXXX. It did not happen, so I called again XX/XX/XXXX, and was told I would receive a call back from a supervisor, which I never received. XXXX XXXX has recorded and documented conversations that confirm the transfer was unauthorized. In addition, I believe it a Truth in Lending law that I would have been contacted to confirm I authorized this transaction, and I never received any information, until I received a bill. I would like the fees and interest returned to my credit card. They now ( after almost a year ) are {$2700.00}. Thank you.
|
| 06/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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This all began in XX/XX/XXXX. My husband went to XXXX XXXX. They referred him to another of their offices. They scheduled my husband for a root canal. That was supposed to happen on XX/XX/XXXX. The clerk in the dentist office charged him for the office visit & the copay & then they did NOT even see him. I disputed it with XXXX XXXX. They assured me they issued a full refund. That refund has never been processed. After the 15 day waiting period that Barclays requires you to wait for a dispute, I filed a chargeback. Apparently Barclays did not read the complaint or process it within the allowed time for disputes. Today, XX/XX/XXXX, they claim the charge is too old & can not be corrected. Its not my fault they did not properly process the dispute. The merchant ; XXXX XXXX claimed they refunded it. Barclays says they cant refund it if the merchant is doing it. Unfortunately its been 6 months since they promised a refund. Barclays has failed to properly credit my account. I sent them printouts from the BBB complaint that clearly shows the merchant says they were going to refund us. The bank should be able to see that the charge of {$79.00} was NEVER refunded as promised. I contacted Barclays again & was told they closed the case because too much time has elapsed & I did not send them the proof. Ive sent it to them multiple times, they just fail to process it. I have requested a manager to call me back, multiple times but they never do. Today, they submitted another request. They say give them 7-10 days! Im tired of the run around. The company promised a refund. I have proof of it. Unfortunately, Barclays has failed to process my dispute in a timely manner. All I want is for them to credit my account as promised.
|
| 04/25/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Servicemember |
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I went on a cruise wi th Carnival Cruise Lines fir st week of XXXX 2016 . I used my personal master card tied into my room number and no other cards were permissible for use. In XXXX , I received a letter from a collection agency stating I owe Carnival world Mastercard {$600.00}. I called Carnival Cruise Lines and dispu ted my claim to not owning a Carnival Mastercard. They stated that there was a mix up and would look into the problem. In XXXX I received another letter from XXXX XXXX XXXX - Creditor : Barclays Bank Deleware stating I owe XXXX with several pages o f Carnival World Mastercard State ment. It had my name with another address which was not found as a working address. I first called XXXX collections agency and spoke to XXXX XXXX . He said there w as nothing he could do with the charged that I would have to contact Carnival World Mastercard. I called the Carnival Maste rCard company and spoke to XXXX XXXX about the issue. I explained that I had previously called and was told it would be handled. She told me she could not do anything to contact the collections agency. I proceeded to tell her that I was directed to call her company. I gave her all of my personal information to check for any open accou nts. Explaining to her that the mailing address was incorrect on the Carnival World Mastercard bill I received only the second time I was contacted by XXXX XXXX agency. The bill not only has my name without my correct address, it is not clear on what the charges are for. It states Fun points ending balance and h as 10 pages of the statement that does not give any clear information.
This is a bogus statement put in my name in order to attempt to r eceive funds.
|
| 02/09/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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|
Web |
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On XX/XX/XXXX Without receiving a letter or phone call, my Barclays XXXX XXXX XXXX was closed.
When I called to discuss the matter with customer service, they said they sent a letter on XX/XX/XXXX notifying me of the closure.
The reason they gave me over the phone was that I had 6 inquiries and 2 new credit cards opened after I opened this XXXX XXXX account in XXXX. I have never been late on this cards or any other credit cards payments. I even have an overpayment credit with this XXXX XXXX.
When I was invited by mail to open this card in XXXX of XXXX, I accepted and received the card shortly thereafter. Receiving an inquirie on ones credit is XXXX when opening accounts like this. So when I opened this XXXX XXXX I naturally received an inquiry as well, and also paid their annual fee of {$490.00}.
Nowhere in the terms and conditions of this card does it say that, once I open this XXXX XXXX, I Los my federal right to apply for and open 2 more credit cards, which are all in excellent standing and with never a balance carryover to the following month. I am the prime candidate for a credit card of this manner. In addition, this XXXX XXXX has a credit limit of {$5000.00}, which is much smaller of a balance than any of my other cards.
Since this leaves no true and legal cause for closure of my account in excellent standing, it leaves me no other option than to suspect that I was targeted and discriminated against for being of Armenian ethnicity.
The XXXX who helped me was from the XXXX XXXX of XXXX, his first name is XXXX, and his Customer Service ID number that he provided is XXXX. Please help me get to the bottom of this u fair consume practice and hopefully not allow this to happen to anyone else.
|
| 04/25/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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I am a scam and Identity theft victim. In XXXX XXXX two people scammed me, took my credit cards, drivers license and open additional accounts in my name. I filed reports with the following : Police, FTC, CFPB, The Attorney General and the XXXX county DA office. There are quite a few people who were scammed by XXXX XXXX AKA XXXX XXXX XXXX and XXXX XXXX AKA XXXX XXXX . There are six people that I know who have filed police reports on these two and we are all working together toward getting justice. Now, I have disputed the charges on th e Barclaycard. THESE CHARGES ARE FRAUDULENT. XXXX XXXX AKA XXXX XXXX XXXX and XXXX XXXX AKA XXXX XXXX applied for several account and auto loans without my permission. Barclay is one of those account that they opened up without my permission. Despite numerous attempts to resolve this matter I am still being harassed to pay these fraudulent charges since XXXX XXXX ( 10 months ) I will repeat myself. THESE ARE FRAUDULENT CHARGES. I suggest you take a look at their XXXX and see what they have been doing. Plus I am providing some picture from the XXXX . Note the pictures are dated prior to scamming me, so they have been doing this a long time. The credit bureaus have removed the accounts. Now I request that Barclay remove all fraudulent charges. I am providing some additional information. Check out the XXXX page. Scroll down all the way down. https : XXXX They boast about money and only criminals do this. I have provided some pictures of the scammer and they bragging. I just want it all to go away now. PS : I can provide witnesses and their police report upon request.
|
| 08/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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|
Web |
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My account with Barclays, XXXX XXXX XXXX XXXX was closed. I made a long term payment plan at $ XXXX monthly till it was paid off. I had been paying that for over a year when I went to make my payment in XX/XX/2023 they said my account was transferred to XXXX XXXX and could not take my payment. I called XXXX XXXX and they had no record of me so I called back Barclays and they said it takes time. In XXXX I got notification that my account was delinquent from Barclays and after calls on XX/XX/XXXX and XX/XX/XXXX they said they could take a payment for the card while it was still transitioning to XXXX XXXX to bring my account current. I was taken out of the long term payment program for missed payments when I was able to make those payments and they were reported as missed through no fault of my own. I contacted a lawyer who wrote a letter that I be reinstated into the payment program and have heard nothing. At this point in time I have made countless phone calls to Barclays and have not found one person who understands what has happened and there has been no effort to resolve this. I have confirmed with XXXX XXXX that they do not have my account and Barclays continues to send me emails as to payment reminders, sometimes Im able to make the payment easy albeit now a high interest charge and sometimes I still have to deal with Barclays saying they cant accept my payment. I am denied online access because my account is closed, however I have a balance that I am paying off. The email for payment just has the date and minimum payment due. This has been a frustrating situation that has affected my credit score and they should be able to see that my account was not transferred and allowed to make payments easily.
|
| 12/23/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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|
Web |
Servicemember |
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I am writing to formally dispute unauthorized charges and subsequent fees imposed by Barclays Bank on my credit card account. Despite having paid off my account balance in full, amounting to {$17000.00}, on XX/XX/2023, and receiving confirmation from the company that my account was XXXX XXXX XXXX XXXX '' there have been irregularities in subsequent statements that I believe are unjust and require immediate attention.
Specifically, after settling my account, Barclays Bank levied a minimal charge of {$0.00} and {$0.00} as a " minimum charge fee. '' This fee was not only inappropriate, given that my account was already cleared, but also seems to have been added illegally. Subsequently, the company imposed late fees on this minor charge for XXXX consecutive billing cycles ( XXXX and XXXX ), which appeared on my XX/XX/2023 statement. These additional charges, including late fees and interest, were not related to XXXX XXXX purchases but were instead linked to the original, unauthorized charge of {$0.00} and {$0.00}.
Moreover, in XXXX, an additional fee of {$40.00} was added to my account. This fee appears to stem from the initial wrongful charge of {$0.00} and the subsequent late fees, creating a snowball effect of unwarranted charges on an account that was already confirmed as paid in full.
I contend that these charges are not only unfounded but also represent a concerning practice of imposing fees on a XXXX XXXX. I request a thorough investigation into these charges and immediate corrective action, including the reversal of all unauthorized fees and adjustments to my account to reflect its actual XXXX status.
Thank you for your attention to this matter. I await your prompt response and resolution.
|
| 11/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American |
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I received a letter from Barclays dated XX/XX/2023, stating that the Power of Attorney ( POA ) request that I completed to let them know that another agent could act on my behalf concerning my AAdvantage Aviator XXXX XXXX XXXX XXXX account had been approved and notated on my account. I NEVER submitted any POA document to Barclays, and contacted Barclays on XX/XX/XXXX ( I was out of the country when the letter was received ) to request that they remove this POA. Although their letter states that you can mail, fax, or call them to request removal of the POA, this is false information, and I was told it could only be done by mail or fax. On this same date, I also contacted XXXX XXXX, the card 's issuer to request assistance, and was told that they could do noting to resolve my issue, and to contact Barclays. I called Customer Service on XX/XX/2023 to request information on the POA-named agent and notary signatory, and was told to speak with the Fraud Unit , where I was told that they did not have access to my account. I submitted a letter dated XX/XX/2023 via USPS Certified Mail to request removal of the POA. I called on XX/XX/XXXX, XXXX to discover that the POA had been removed on XX/XX/2023, and that I would be receiving a letter verifying the removal. I sent an email to Barclays on XX/XX/2023 attaching my initial letter and confirming that I would receive this information. I contacted Barclays on XX/XX/2023, and spoke with a Supervisor, who assigned a case number ( XXXX ), and assured me that the POA had been removed from my account on XX/XX/2023, and the information that I requested was being sent out to me. I received a letter from Barclays dated XX/XX/2023 that they are unable to complete my request.
|
| 07/27/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Older American |
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This is a XXXX XXXX Visa account with Barclays Bank. Account number ending in XXXX.
1. On XX/XX/2021, this account was compromised unbeknownst to me at the time. A fraudulent charge of {$30.00} was made at a XXXX XXXX in XXXX, NC by another person who at one time resided at the same address as me for a short time. This person now lives out of state and has not lived at my address for more than a year. I have never stayed at this XXXX XXXX.
2. On XX/XX/2021, I received my credit card bill in the mail, noticed the fraudulent charge, contacted Barclays, filed a fraud dispute, and had the existing card account closed, and a new card sent to me.
3. A few days later, Barclays gave me credit for this fraudulent charge from XX/XX/XXXX.
4. On XX/XX/XXXX, Barclays sent a letter which I received on XX/XX/XXXX, reversing their decision. They stated I now owed the {$30.00} and they would charge me for it.
5. After many attempts to call them and over 1 hour on the phone they said they made their decision because the person who made the charge without my knowledge had at one time lived at my address, and the case had been closed against me.
6. I have tried to get a number to call Barclays corporate headquarters to complain but the numbers keep circling me back to customer service with long wait times. Plus you then talk to someone not in the USA who is very hard to understand with a heavy accent and they read from a script and don't address your real complaint.
7. Since I had declared the account fraudulently used, gotten a new card, and filed a fraud dispute when I got my bill, I don't think I should have to be liable simply because the person who made the charge lived at the same address as me at one time.
|
| 09/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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What happened?
Fraudulent activity on credit card ending in XXXX - Many attempts to resolve this issues- so many calls and two packets of information that were sent to Barclays. Managers do not return calls - the representatives keep stating it will be 10 days to resolve. It has now been almost 6 months and Barclays has admitted responsibility.
Notified Barclays, submitted all supporting documents and followed up per the request of Barclays After of period of 5 months, they have still not resolved the issue.
Company Name : Barclays XXXX XXXX XXXX XXXX, Delaware XXXX XXXX Action : Barclays Response XX/XX/2022 Internal team at XXXX began XXXX error in credit card statements XX/XX/2022 Internal investigation on-going XX/XX/2022 Called Barclays Barclays provided steps to submit claim XX/XX/2022 Received confirmation that packet was received XX/XX/2022 Called XXXX for status update XX/XX/2022 Received notice stating that we would receive full credit except for XXXX charges XX/XX/2022 Received payment of {$73000.00} XX/XX/XXXX Called Barclay for status update XX/XX/2022 Called Barclay for status update XX/XX/2022 Received notification stating investigation is still pending XX/XX/2022 Called Barclay for status update XX/XX/2022 Received notification stating investigation is still pending XX/XX/2022 Called Barclay for status update XX/XX/2022 Called Barclay for status update XX/XX/2022 Called Barclay for status update Sent another packet of past What amount : {$170000.00} What would be a fair resolution? To refund all monies that are deemed fraudulent What have we done to try to resolve the issue? - Multiple calls and letters were sent to the Barclays investigation department. This has been very upsetting.
|
| 10/17/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
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I have a XXXX XXXX World Elite XXXX through Barclay Bank.
I discovered today my credit line on this account had been decreased from a limit of {$4000.00} to a limit of {$2300.00}.
When I called Barclay to inquire why this happened, I was given the run-around, by an associate named XXXX, and told that my credit reports were " pulled '' and my " balance to ratio limits were high. '' I have no idea what the associate was referring to. However, I was recently notified by the major credit reporting agencies that my information may have been exposed on the Internet during the recent data breaches. As of today, I have no knowledge of anything negative or adverse on my credit reports as a results of the data breach or any other reason.
XXXX was unable to help me, but told me I needed to contact XXXX XXXX at ( XXXX ) XXXX. The problem is, there is a recording when you call this number, which hangs up on you.
Additionally, I find it appalling this company had the audacity to reduce my credit line. I have been a PERFECT customer to them! I have never missed a payment or made a late payment -- in fact, I usually make my payments early.
I have excellent credit. I own my home " free and clear. '' I 'm a XXXX XXXX, I make well over {$200000.00} a year in salary, which I presume, more than qualifies me for the small credit line of {$4000.00} I was originally offered ...
In any event, my relationship with Barclay has been flawless. There is absolutely no just cause for this decision and I feel it was completely arbitrary and unfair. I have been a great customer with a flawless payment history. I have done nothing which warranted this action against me. I feel my credit line should be increased, not lowered!
|
| 02/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Regarding XXXX payments made on Williams Sonoma Credit Card issued by XXXX Bank which was originally Barclay Card. Payments which have not been reflected in the statements issued to her and in the outstanding balance due. In XXXX Barclay Card was William Sonoma credit card company they used. In XX/XX/XXXX Barclay Transferred to XXXX Bank Card. Since XXXX all payment were made the same way.
XXXX {$1000.00} Payments were made from XXXX account XXXX and account XXXX to William Sonoma and William Sonoma states they did not get them! WE are missing {$5000.00} or so XXXX bank states! XXXX payments in the amount of {$1000.00} each were made to XXXX Bank ( The same way each week via bill-pay from XXXX bank for XXXX past XXXX plus years ). Each week a payment of {$1000.00} was made. Each payment was electric from XXXX to XXXX some way for the last XXXX years NO changes! It is set-up automatically for weekly payments. I noticed that my payments were not posted, so I called XXXX Bank and they stated I did not make the payments. I called XXXX Bank. XXXX Bank and I called XXXX Bank and once again they stated the payments were not made. XXXX and I both sent back-up 's of the payments totaling over {$5000.00} that are missing and they still state the payments were not made. XXXX stated since no changes were made to the payments for the past XXXX years they could not help me ( basically since I sent the payment the same way for the past XXXX year with no changes electrically no fraud was found ). Below are the payments that are missing XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. We Believe the funds went to the old Barclay account ending in XXXX and are sitting in limbo after doing a thorough audit.
|
| 11/11/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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BARCLAYS BANK called me for for a month and a week straight about a debt that I do not owe. I reported identity theft with the company as well as all the credit report agencies and have had this debt taken off my consumer credit report. I now demand that BARCLAYS BANK XXXX ( XXXX ) my account and stops collection attempts.
I have tried to contact the company asking them to validate the debt and show that the debt does not belong to me. I even sent in a Cease and Desist notice to stop collection attempts.
They have called me everyday XXXX times a day ( once in the morning and once in the evening ) from XX/XX/2022 to today XX/XX/2022, even on weekends. My phone rang ever day, twice a day for more than a month straight. This caused me emotional distress and embarrassment as this is my work phone and they called during working hours repetitively. This is abusive and unfair practices by debt collectors and its violating 15 U.S. Code 1692d ( 5 ). Furthermore BARCLAYS BANK is also in violation of 15 USC 1692c ( c ). as they have contacted me for 45+ days after I send them a formal Cease and Desist notice.
I demand BARCLAYS BANK to XXXX this account and cease collection attempts as this debt is not validated. I also demand BARCLAYS BANK pays me for the laws they have broken pursuant to 15 U.S. Code 1692k, ; Any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of {$1000.00} in damages - per violation.
I have attached all the evidence of my Cease and Desist notice, Identity Theft Report and communications with BARCLAYS BANK as well as call screenshots of all the calls from XX/XX/2022 to XX/XX/2022.
|
| 07/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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In XX/XX/2020, I purchased an international trip in the amount of {$2000.00} to be taken in XX/XX/2020 from XXXX, an online vendor, for a third party travel vendor, XXXX XXXX XXXX. In the midst of Covid-19, all trips were canceled by airlines for my expected time of travel and airlines refunded passengers their money directly. I reached out to XXXX for a refund on a service that could not be fulfilled. XXXX has claimed that the third party vendor is responsible for this, and they can not assist me in providing a refund. The third party vendor, XXXX XXXX XXXX, has refused to provide a refund. The third party wrongfully refused to provide a refund, knowing that they received a refund for all flight and hotel reservations that were made in advance.
I am aware that the U.S. Department of Transportation issued a notice in XX/XX/2020 requiring airlines to provide refunds. As per the U.S. Department of Transportation notice : " Carriers have a longstanding obligation to provide a prompt refund to a ticketed passenger when the carrier cancels the passengers flight or makes a significant change in the flight schedule and the passenger chooses not to accept the alternative offered by the carrier ''. I was told by XXXX XXXX XXXX that this does not apply to their tour operators, although they are based in New York. Therefore, I disputed this with my credit card company, who stated that they do not have disputing rights since this service was bought through a third party vendor, XXXX. I can not have a company keep my money during this time of economic hardship for a service that was not granted. To resolve this issue, I need a full refund for a service that I can not use due to an unprecedented global pandemic.
|
| 03/25/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I was notified on XX/XX/XXXX by the fraud department from my Barclays rewacard that a charge from XXXX for {$4700.00} was trying to be an issue I contacted the company and told them no meanwhile I've been in billing issues with them since XX/XX/XXXX where they have had me at collections twice with the same issue no final bill to this date that the charge was reversed and a new card was issued. On XX/XX/XXXX of this year XXXX with the new card again ran the {$4700.00} and that I was told later after investigation from several departments and several people and the case number I have is XXXX after six months trying to get to send them back they credit me back {$1200.00} when I contacted my credit card company again I was told it it was coded incorrectly as a fraud and not a billing issue so a Other case number had to be open that is not correct I was able to speak with a supervisor name XXXX and was told that they go by algorithms and this is why I was allowed to exceed almost 59 % of my credit limit now I'm over the credit limit in collections twice and no final bill from the vendor who actually I have asked my credit card company if I had gotten into a store and tried to charge {$4700.00} it would've been denied I do not understand algorithms and this should've never been posted on my account they have ruined my credit I need help thank you When I asked the supervisor if I had of walked into a store and tried to do that with the algorithms work then and she could not answer that question she also couldn't understand why it would exceed that much already owe them {$2400.00} and my credit limit is only XXXX they have doubled my credit profile causing me to lose 49 points in one day on my credit report
|
| 10/28/2023 |
Yes |
- Credit card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I started receiving calls from BARCLAYS BANK around XX/XX/2023. They will call me several times a day. When I would answer the calls they would hang up. I finally decided to call back and ask why they calling my cell phone and she stated she could not give me any information. This was on XX/XX/XXXX of 2023. I advised her XX/XX/XXXX of 2023 if she can not give me any information to do not call my cell phone any longer and put my phone number on the do not call list. They continued to call my phone time after time after I requested Do not Call. I do have several screenshots and a phone record. I finally answered one of the calls again, and again they hung up. So I called back And asked them who are they looking for? She took my phone number and stated my full name. I advised her that I am the person that you're looking for. I advised her again that I requested that they do not call me XX/XX/XXXX of 2023. However I have been getting calls ever since then. We went over the account, and she advised me that the account was past due because of check return. I advised her that the rebate was not applied in time and when I paid the payment, it told me I had a XXXX balance. She went to explain about the rebate and what the rebate covered. I advised her I would touch bases with my bank in reference to the payment returning. However, the rebate was the issue. A few days later I begin to get calls again from BARCLAYS BANK. Again when I would answer, they would hang up. I called back I believe XX/XX/XXXX and asked them why they still calling me when I asked to be put on the do not call list and Do not Call my cell phone phone. The young lady profusely, apologize and stated she would put my number as Do not Call.
|
| 04/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
I have been in touch on several occasions with Barclay / Advantage Aviator credit card customer service by phone. I attempted also to chat with someone but there was no reply. I am now sending in writing the same complaint : There is an error in a balance transfer from my XXXX account. You will see two balance transfers : one for {$6500.00} and another for {$5800.00}, both are showing as XX/XX/2023. There should have been only ONE balance transfer, not two. The first transfer took my other credit card to a zero balance. The second took it to a negative {$5800.00}. This occurred because when I created an online account, the balance transfer was NOT showing, so I entered it again.
When I spoke with on of many Barclay representatives over two months, I learned the issue apparently was handed over to another Barclay representative with an Incident number : XXXX. I have had NO contact with this person, only the representatives at the customer service number, who apparently are not able to do anything to rectify the situation. One of the representatives told me the correction would take place within one to two billing cycles. That has not happened as we approach the third billing cycle.
Because there has been no action in more than two months, I am reporting this issue to the Consumer Financial Protection Bureau ( CFPB ) and to XXXX XXXX, so that they have information on how poorly their partner Barclay treats customers.
So that you understand, I am paying interest on a false balance and my credit has been negatively affected. Barclay had the audacity to email me this week stating thwt my credit score had changed. It is because of Barclays error. I am getting NO COOPERATION whatsoever from Barclay.
|
| 01/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am writing to request the correction of Barclays ' credit reporting on my credit card account.
The barclaycardus.com website has not allowed some users, including me, to log in since XX/XX/XXXX. My son had the same problem logging in to his barclaycardus.com account, and technical support created a ticket when he called regarding this issue -- ticket number XXXX. However, the problem has not been fixed as of XX/XX/XXXX. Since I was not able to log in to the website for an extended period, a small balance around {$30.00} became past due on the account which Barclays made impossible for me to know since their website was still not fixed. I did not receive any mail regarding this either. Consequently, I did not know any money was due. When I learned of this in XX/XX/XXXX I fully paid and closed the account. Yet Barclays refuses to correct its reporting to credit agencies. As a result my credit score declined by almost 100 points. Barclays made it impossible to pay the bill by failing to keep its website operational for at least five months. I think Barclays should not be permitted to report their website problems as late payments on my credit history.
I called Barclays and asked them to correct their credit reporting and was told that I would have to send a letter. So I sent Barclays a letter ( to Credit Bureau Disputes ) to which they responded by saying that they will not make any corrections.
Customers are accustomed to the ability to check all transactions online or to receive paper statements that they can audit. But Barclays has provided neither. I do n't understand how because of Barclays ' failure to provide me with a monthly statement my credit score has to fall by almost 100 points.
|
| 02/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2021, I filed a fraud claim for {$1400.00} charged to my XXXX with the bank, Barclays. This was related to an incident through a vendor, XXXX XXXX XXXX XXXX.
My card was canceled and I immediately received a new card to prevent further theft. I promptly wrote a review of this vendor/company on the XXXX XXXX XXXX website and XXXX to warn other potential victims.
Barclays stated that it was investigating this dispute. I called many times in XXXX and XXXX to inquire about progress, but those conversations with Barclays representatives were meaningless and fruitless. On XX/XX/XXXX, I received a letter from Barclays stating that the charge was added back to my statement and that it was valid.
I received no product nor any service for the transaction of {$1400.00} on my credit card.
A salesman that I called from XXXX XXXX XXXX XXXX XXXX came to my home briefly ( less than 5 minutes ) on XX/XX/XXXX. He charged my credit card {$1400.00} for a new dishwasher that was never delivered.
I called the vendor and was able to reach him once in late XXXX after the dishwasher was not delivered he suggested that he may be able to bring me " some cash. '' I refused and insisted that he provide me with a credit for the full amount on my Barclays card.
This charge was never credited to my card by the vendor.
I have made attempts to resolve this directly with the vendor but he has disappeared. The numbers on the business card do not work ; there is no address, and our research to locate him on the internet have yielded nothing.
No investigator from Barclays ever spoke to me or my wife regarding this claim, to " investigate '' as we were told.
Barclays has provided NO CUSTOMER PROTECTION whatsoever.
|
| 10/16/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
First off, we have used this card for everyday purposes as well as when we went on our cruise most recently in XXXX. We have paid off this card twice in the past 6 months and expected to get a credit card limit increase however that never happened.
We had to utilize the cash advance option after the card was completely paid off, which is an option that is offered by the credit card company. We utilized this to pay our rent last month due to trying to utilize actual funds ( from our paycheck ) to pay for some concert tickets which resulted in costing more than we had saved up for them. Our funds from our paychecks came up short and rent had to be covered by this cash advance.
Barclay never reviewed my credit report until i used the cash advance option in which, they decreased my credit card limit by {$1400.00} from {$2500.00} to {$1100.00}. While i understand that my overall credit utilization is high, i think that this limit decrease was quite drastic and uncalled for. This has caused me to reconsider my use of this card going forward since Barclay clearly does n't care of my usage until I make a questionable transaction utilizing one of the many options on the card, the cash advance.
Barclay could have simply contacted me about this recent transaction and found out why it was used. Instead, they treated me like a number and just took action on the card without my prior knowledge. Barclay does n't care about its consumers.
And due to limit decrease, it also made my credit report look worse for my other credit card issuers which could cause any one of them to do the same and tank my credit just because i used the cash advance option, which is an available option as part of the credit card.
|
| 02/15/2017 |
Yes |
|
|
|
Web |
Older American |
|
We opened a Barclays Master Card account to pay the maintenance fee for a time share with XXXX. We used the card 1 time to pay the fee off in 6 months with no interest charge. We paid the first payment after receiving the notice but we never got a notice of the next payment due and forgot. After several months, we received a call telling us the full payment was due with a late fee. We paid the full amount and the account was closed. This all transpired in XX/XX/XXXX and XX/XX/XXXX. Today I received a phone call from XXXX XXXX saying we owed {$380.00} on the credit card amount. The reason they gave was that when we made the last payment that there was a penalty and interest that were due not included in the amount given to us. So for a year they have been adding interest and charges on an account that had been closed for some time. In the meantime, we have been working with a representative of XXXX to give them back our XXXX properties. For this gift of a deed for a XXXX, AZ resort and XXXX XXXX, we have to pay {$750.00} in title fees. We were told by this representative to ignore the latest maintenance fee bills that we would not be charged for them. Today, the person calling from the credit card said we still owed the credit card fee. We feel that we in good faith had paid that account off based on the amount we were given by XXXX/Barclays MC. We disagree with the amount and feel that any law allowing them to do this is unfair and should be outlawed. The consumer should have some protection. We also would like those charges to be removed, the account closed and a letter sent to us and XXXX XXXX showing a XXXX balance on our account. Thank you for your help. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
|
| 07/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/2022 multiple charges were made at the retailer XXXX 's XXXX on my XXXX XXXX. The first transaction of {$1700.00} went through whereas the others were denied. I received a notification and immediately called to report the fraud. I am not a XXXX 's XXXX member and have never had an XXXX 's XXXX transactions on this credit card. I was told by the telephone representative that a pin number had also been set up and there were cash withdrawals. I told the telephone representative that both the XXXX 's XXXX charges and cash withdrawals were not made by me. I have never made a cash withdrawal from this credit card or any credit card that I have. Although I still had the credit card in my possession, a new card with the same credit card number had been sent out since the card in my possession had a XXXX expiration date. This new card is the one that was stolen. I was immediately issued a new card with new number and the fraudulent charges and cash withdrawals were removed from my account. On XX/XX/2022 I received a letter that was date XX/XX/2022 stating that since the card was in my possession, they consider the transaction of {$1700.00} to be valid and have placed it back on my account. Oddly, there is no postmark on the envelope. On XX/XX/XXXX, I called to dispute the findings and was told that a representative should be contacting me within 10 days. On XX/XX/XXXX, an autopayment was withdrawn from my bank account which included payment for the {$1700.00}. On XX/XX/XXXX, I made a follow up call and was told my dispute from XX/XX/XXXX had not been reviewed. The representative I spoke with on XX/XX/XXXX said that she would escalate this to a complaint and that I should hear back within 5 days.
|
| 07/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
XX/XX/XXXX, I was enrolled into the LTA program for the second time. The agent handled everything including setting up the first 12 payments. I also decided to make the first qualifying payment of {$110.00} the same day I was enrolled so that there would be NO problems. On top of this, I made an additional payment of {$110.00} just to be on the safe side! This was very hard for me to do but I did it anyway. Well, today, I find out that I was taken out of the program ONCE again because Barclays stated I did not make my first qualifying payment on time. Well, the agent took my payment OVER the phone on the same day he enrolled me. THIS IS BECOMING RIDICULOUS NOW. I'm trying to work with Barclays but they are definitely not working with me. I'm really ready to just give up and not pay anymore because their customer service drops the ball EVERY TIME. NOW, WHAT WILL BE THE EXCUSE AS TO WHY I WAS TAKEN OUT OF PROGRAM? I'm sure you can go back and listen to the entire conversation on XX/XX/XXXX. I called that day several times until I reached someone whom I thought could assist but still the ball was dropped. This will be my last time trying to enroll into this program before I call it quits! I demand a full refund of all late fees since I know Barclays will drag this issue out causing me to incur late fees. Your LTA is very flawed and your agents arent knowledgable enough to assist struggling customers with enrollment properly. I did call in to speak with someone and they have told me that a case was opened up and someone should call me within 48 hours. Its been over a week and no one has called to rectify this situation. Not my account it past due and I have incurred 2 late fees that I want credited!
|
| 06/06/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have recently received notification that Barclays card is looking to gain a settlement regarding a debt that is not mine. I never authorized a card ( XXXX XXXX ) with Barclays. I also never received a card, bill, or any other notification in the mail regarding an account in my name with Barclays. I was initially contacted by a debt collector after this debt was approximately 6 months past due, however, in conversations with them, I discovered that the address and my birthday listed on the account were incorrect. The information incorrectly listed me at an address in Indiana at that time the card was open when in fact I lived in Illinois. I explained this to the debt collector, however was never given any additional information. I also disputed this with the credit reporting agencies as I have never used this card and never authorized this card. In discussions with the debt collector, I was informed that the card was used and paid on time for several months before the payments stopped. However, I never made any of those charges or any of those payments. I have tried to contact Barclays to gain information regarding the account, including account opening information, statements, and payment information, but have not been able to speak to anyone who is able, or willing, to assist me. As this information is being reported negatively about me on my credit report, without properly notifying me that it could be. I never received any statements in the mail or through an email address, and again this account was not opened by me, had incorrect CIP information which should have triggered this account to not open, and I never signed any information agreeing to a contract between myself and Barclays Card.
|
| 01/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Multiple fraudulent charges made in-store at XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX with my Barclaycard Arrival World MasterCard credit card.
Fraudulent charges include : XX/XX/2020 @ XXXX of {$450.00} in XXXX, XXXX, CA XX/XX/2020@ XXXX of {$490.00} in XXXX, XXXX, CA XX/XX/2020 @ XXXX of {$310.00} in XXXX XXXX, XXXX, CA XX/XX/2020 @ XXXX of {$410.00} in XXXX, XXXX, CA Time of charge and location of charge provided by credit card company.
Credit card was still under my possession during time of charges.
Credit card company states chip was used and denies any fraudulent wrong doing despite multiple pleas to reverse charges explaining that despite still having the card in my possession that those charges were not made by me.
Credit card fraud representative made aware by my self that such large consecutive monetary charges were not flagged by company as possibly fraudulent and I was not alerted of charges immediately after they were made despite having alerts set. One representative basically said that the charges did not appear fraudulent. Her cold tactless response only aided in escalating an already frustrating situation.
I discovered the fraudulent charges independently on XX/XX/2020 and called the company immediately. Their electronic alert system did not alert me to the charges until XX/XX/2020. Complaint of their alert system also made to company. If their alert system had worked properly further fraudulent charges could have been prevented.
I do not live and rarely ever shop at these locations. I was not in those locations during time of purchase. I believe a blatant crime was committed. Barclaycard company is failing to assist me in the matter. A police report has been made.
|
| 09/22/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
Barclay 's Bank. XXXX XXXX XXXX. On XXXX XX/XX/2019, 3 days ago, a credit was recorded on my account for a purchase which was refunded in the amount of {$340.00}. Three times yesterday my card was denied at merchants for amounts less than {$25.00} each.
I went online and, as is 100 % of the time, the amounts reported on the website are inaacurate and do NOT add up. The website states : Credit Limit {$500.00}, Current Balance - {$150.00}, available credit {$1.00}.
I charge on average {$2000.00} per month on the card to get XXXX XXXX mileage.
I have to visit the website 5-8 times a month to see if transactions have posted ( often takes 3 -7 days ). The website will not allow payment of transacations listed as " temporary transactions ''. Once the transactions finally post I make payment in full. The payments often take 2 - 7 days to post. Making a turn around time for credit to be available of 5 - 14 days!
100 % of the time the Credit Limit less Current Balance does NOT equal available credit.
Spent an hour with Barclay 's Bank representatives today. A supervisor told me that the {$150.00} credit on my current balance was available today. Attempted a purchase and it was denied.
Called and spoke with another supervisor who told me the credit in my Current Balance was NOT available until temporary transactions post.
For 4 years I have charged and PAID OFF around {$2000.00} per month on this Barclay 's Bank XXXX XXXX XXXX.
Barclay 's Bank refuses to increase my credit line based on my history with them.
Website gives innacurate and misleading information 100 % of the time.
Supervisors give untrue information.
System is extremely flawed to not make refunded amount available to consumer.
|
| 03/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
Material Fraud - Paid to XXXX, XXXX on XX/XX/2021 - {$12000.00}, XX/XX/2021 - {$12000.00}, XX/XX/2021 - {$7500.00}.
The XXXX was paid in full but never showed up to complete the assignment/job.
On or around XX/XX/2021, XXXX provided us with a tailored slide deck to describe their services and capabilities to XXXX XXXX XXXX and what they would deliver, namely a fully fleshed out Financial Model, Business Plan, and Investor Presentation, with followup Revision Cycles to bring their draft deliverables to a final.
XXXX timeline was slipping but we kept working with them in good faith.
Repeated failure by XXXX team members to even show up to meetings that XXXX planned and scheduled with XXXX XXXX ; Failure to provide a semblance of a PPA over the preceding months and months of nondelivery ; Repeated failure by XXXX team members to return increasingly urgent calls, emails and texts from XXXX XXXX trying to get answers as to why the draft document was completely missing a huge part of the core business plan related to the PPA and numerous technical details Failure to provide any final documents within the agreed timeframe and further failure to provide any useful and complete deliverables at all, immediately after our final payment.
XXXX and Barclay the merchant was unwilling to work with me to resolve the problem or if you can't come to a compromise with the merchant that leaves you satisfied, the Fair Credit Billing Act and federal law do give you the right to dispute charges for transactions that you're dissatisfied with. I sent in the documentation, but they said they never got the documentation, but I have physical copy of the letter head document outlining the follow attachment below.
|
| 02/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
On XXXX XXXXXXXX XXXX XXXX XXXX Card debited my acocunt with {$15000.00} for a balance transfer to by XXXX XXXX XXXX XXXXThey also applied a 5 % fee of {$750.00} for this balance transfer At a date of approximately XXXX XXXX I called AAdvantage Aviator Credit Card to advise that the balance transfer has not been received by XXXX XXXX Credit Card. I was told to be patient as it can take up four weeks.
On XXXX XXXX, I once again called AAdvantage Aviator Credit Card to advise that the balance transfer has not been received by XXXX XXXX Credit Card. I was provided a case number and advised that I would be provided with proof of payment in 7 to 10 days. During this call, I confirmed thatA Advantage Aviator Credit Card had the correct account number at XXXX XXXX Credit Card.
On XXXX XXXX, once again called AAdvantage Aviator Credit Card to advise that the balance transfer has not been received by XXXX XXXX Credit Card and also that I have never received the requested proof of payment. I also notified the representative that I was upset and would be making a complaint to the CFPB. I was given a new case number.
As at XXXX XX/XX/2023, I still have not heard from AAdvantage Aviator Credit Card My credit agency reports are incorrectly showing that I owe AAAdvantage Aviator Credit Card and XXXX XXXX XXXX XXXX {$15000.00} each I have paid AAdvantage Aviator Credit Card {$750.00} as a fee for the balance transfer while I am continuing to pay XXXX XXXX Credit Card monthly interest on the {$15000.00} The interest fee period that I agreed to with AAdvantage Aviator Credit Card started in XXXX but I am still paying interest to XXXX XXXX Credit Card as the funds have never been applied to that account.
|
| 01/10/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
Four credit cards were closed recently which greatly affected my score, and I did not close them personally. In XX/XX/XXXX, XXXX with XXXX XXXX closed my account ( " canceled by grantor '' ) since it was going out of business ; affected my score slightly, no big deal. On XXXX XXXX, XXXX, XXXX XXXX/XXXX closed my credit card because the store was also going out of business ( " canceled by credit grantor '' ). Yet, it still affected my credit score and it dropped again. Next, my XXXX XXXX XXXX XXXX credit card was closed in XX/XX/XXXX due to " inactive account. '' Score dropped again. Finally, My XXXX XXXX XXXX XXXX closed my account on XX/XX/XXXX " due to inactivity '' and my scored dropped SIGNIFICANTLY again. I worked my way to an EXCELLENT credit score for a long time now, and now it's in the 600 's and only " FAIR. '' I was in the 800 's and EXCELLENT for a long time. I inadvertently opened a credit card in XX/XX/XXXX when attempting to buy a pricey item, but we changed our minds. Now I have this open credit card I don't want nor need, but can not close it because I know my score will drop again! This is ridiculous and outrageous. The companies did NOT reach out to me about keeping my card active ; I had no idea they could be closed without my consent and have it affect my score because of it. Had I known that, I would have eventually closed them out over a longer period of time and/or used them sporadically so they were not inactive. This needs to be fixed. I am saving to buy a house and am appalled my credit is deemed " fair '' and in the 600 's when I worked hard to get it where it was. Please fix this and I'd be more than happy to assist in anything I need to do on my end. Thank you.
|
| 08/17/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
We are writing to dispute charge on XX/XX/XXXX ; ( {$3800.00} ). on our XXXX, XXXX XXXX Visa Address : XXXX XXXX XXXX XXXX, DE XXXX After a ( 4 ) hour, high-pressure sales presentation, we reluctantly entered into a timeshare agreement with XXXX XXXX XXXX, ( XXXX ) before discovering the extent to which the company has engaged in unfair, deceptive and fraudulent sales practices. ( Phones not working, etc ). They made us open a XXXX Visa credit card and put the down payment ( {$3800.00} ) on it. The terms that we agreed to are not what the company ( XXXX XXXX ) has delivered. I received an email from XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX. XXXX fully cancelled our contract with them. XXXX totally did not want to argue or litigate a suit we would have against them. ( I will also attach their emails on the cancellation. ) They realized their deceptive practice and terminated our contract with no problems. They told us to contact Barclay on the down payment. We disputed the amount of {$3800.00} which was used as a down payment to purchase this worthless timeshare for over 7 months. There were two charges by XXXX XXXX XXXX on XX/XX/XXXX. {$30.00} which went to closing costs and {$3800.00} went to the down payment. XXXX, ( XXXX XXXX Visa ) refunded {$30.00} on XX/XX/XXXX. Barclay realized their deceptive practice. Barclay needed to refund {$3800.00} to us as well. We were charged {$3800.00} for nothing in return. We disputed this, but to no avail. They will not refund our money, stating XXXX will not refund them the money. This complaint is against Barclay Visa for not refunding our down payment that we gave XXXX and put on the card. ( Actually XXXX should give the money back to Barclay first. )
|
| 11/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
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I found 2 transactions that were made without my knowledge. Transaction date : XX/XX/2022, amount XXXX $ and transaction date : XX/XX/2022, amount XXXX XXXX Both from XXXX XXXX
I immediately notified Barclay of this fraud on my Frontier master card. After the second try, they returned the money to my credit account and said they would investigate these transactions with the merchant. and after 2 months I received two letters in one envelope. The first letter says that the fraud investigation was completed and I am not responsible for fraudulent activity but another letter says : we have completed our investigation and have determined the activity is valid based on documentation provided by the merchant. When I called and asked what does it mean? Answer is : they know the name of these swindler passengers : XXXX XXXX and XXXX XXXX XXXX, but instead of continuing the investigation and catching these frauds and putting them in prison they told me that since these frauds put my old address in billing information they decided that these people were potentially related to me. Im so upset, Im not feel protected and frustrated I feel that the Barclay company is not on my side, but on the side of fraudsters. if fraudsters were able to steal my personal information and credit cards information, this is not big news, that they can easily find out the addresses that are related to me in public records and this can not be proof that they are related to me. And for real investigators, who want to solve this problem it should be success when they know the name of person. I didnt do anything wrong, I did my payments on time, I use credit card appropriately, I never lost my card or gave to another person!
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| 06/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I have/had a Visa account with Barclays Bank Delaware since 2009. I have met all of my obligations and have had paid their ridiculous interest rates without complaint. Last fall and this spring they notified me that my account was switching over to a MasterCard account. I did not, nor do I want that to happen. I have business accounts that only take Visa and this is the only Visa account that I have.
I called Barclays customer service line and explained my issue to several different people. The last being a " manager '' named XXXX I asked to have my newly switched MasterCard account reverted back to Visa and they said they could not do that due to some cancellation of an agreement with XXXX, XXXX. Furthermore, if I wanted to pursue " opening '' a Visa account I would have to apply for it.
My position is - I already have an account with them through Visa. Applying for a new one would affect my credit score. XXXX agreed with me saying it wasn't fair, but still couldn't do anything about it.
How is a worldwide bank able to switch affiliations with creditors and require that their customers re-apply for credit even though they currently have an open account? They are compounding personal credit issues, which are already beyond comprehension in this country, because of some " agreement '' they have with certain creditors. Seems unfair that I, and I'm guessing several thousands of Americans, are being treated this way and all we can do is take our credit score down by " applying '' for something we already have. The only option that I had was to close the account ....
XXXX Bless the American Dream! But only if you're an international bank who can XXXX on those dreams of everyday Americans!
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| 10/30/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Servicemember |
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On XX/XX/2019 a check in the payoff amount of {$14.00}, XXXX was issued to Barclay Bank to pay off XXXX XXXX XXXX XXXX XXXX account. The USPS tracking showed the check was received in the Delaware processing center on XX/XX/2019 and was negotiation on XX/XX/2019 though XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX Absence of Endorsement Guaranteed Barclays XXXX. The payment was still not applied to the account on XX/XX/2019 so we contacted Barclay for a status. They advised us they would look into the matter. We called again on XX/XX/2019 because the payment had still not been applied to the account and the agent was still unable to locate the payment. We called again on XX/XX/2019 and request to speak with a supervisor who indicated they still had not located the payment, at which time we informed them that we could provide the cancelled check, which we did by e-mail on the XX/XX/2019. We have called every day since XX/XX/2019 and keep being told that despite all of the tracking information, cancelled check and sending by overnight mail my marriage licences and passport ( which they would only accept by fax to a number that is always busy, US postal service or overnight mail ) showing my married name, which they received by overnight mail XX/XX/2019 but still refuse to apply the payment and keep telling us that we can't speak directly to the group that conducts the investigations and that we have exhausted all avenues to getting this resolved sooner than 30 days. Because they have not applied the payoff, we are now forced to make a minimum payment of {$830.00} in order to keep the account in good standing while they investigate. We are also accruing fees and interest on the unpaid balance.
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| 08/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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Regarding visa # XXXX On XX/XX/XXXX I inadvertently made what should have been my car payment in the sum of {$390.00} to Barclays as my monthly payment when I intended to only pay the minimum payment of {$40.00}. This payment was made via automatic payment from my money market account. On XX/XX/XXXX I called Barclay card and advised I didnt intend to pay that amount can they please deduct {$40.00} and send me the difference. I was told they could not because the payment was sent by a third party I advised it was not it was automatic payment from my account. I called XXXX had XXXX on the line spoke with two managers XXXX confirmed the payment was not paid by a third party it was paid directly from my money market account via automatic payment through XXXX both managers refused and continued to refuse to return my funds because they claim the payment was posted as third party payment likely a mistake by Barclaycard. Even with XXXX on the phone confirming it was not a third party it was my automatic payment they still refused. Both managers also claim payment made by third parties can not be returned at all even in these situations when a customer asks for there over payment back.
I informed both managers that they are holding my funds XXXX and clearly they are violating laws by not returning a customers funds even when the bank confirms the payment came directly from my account. All of the conversation which is recorded and will be subpoenaed if need be. However I am asking the CFPB to intercede In assisting with the return of my funds that came directly from my account even if it is via check directly to me so there third party concern which doesnt exist can be resolved.
XXXX XXXX XXXX
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| 12/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Barclays Bank shows in my credit report still claiming I owe {$8800.00} as of XX/XX/2018.
On XX/XX/2018 I sent a letter to Barclay Bank I requested validation that is competent bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this company that is reporting in my credit report.
Within 30 days the company responded back to me, telling me that i can review statements online by logging in to online account, and included statements with this letter.
On XX/XX/2018 i received another letter from Barclays Bank explaining that they are no longer able to fulfill requests for books, records or statements copies dated earlier then XX/XX/2013.
On XX/XX/2018 I send second letter regarding the first letter, how they yet failed to provide me with copies of any viable evidence, bearing my signature, showing the account is being reported accurately. A print of a bill or itemized document does not constitute verification. So i again asked for copies of document bearing my signature.
On XX/XX/2018 send me a letter back asking for more info from me when in fact all was given from letter one to investigate this issue, and still continuing to report in my credit report.
On XX/XX/2018 I send all the documentation proof to all three credit reports showing copies of my dispute I have made with Barclays Company and they failed to provide me copies of documentation having ( or ever had ) contractual agreements bearing my signature. The Barclays Bank breaking the law by not providing the documentation, and two : reporting complete wrong acct # from the statement and wrong credit limit overall against the law. All communication Records are kept for proof of dispute.
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| 09/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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I applied for, and was approved for, the Barclays XXXX XXXX business card on XX/XX/22. The promotional offer for the card was advertised as : spend {$2000.00} in purchases in the first 90 days after approval, and then receive XXXX XXXX XXXX miles and a {$99.00} statement credit. The card has a {$99.00} annual fee, which is not waived, but it is effectively cancelled out by the statement credit ( assuming that it posts correctly ).
I met the minimum spend requirement with a single transaction on XX/XX/22, and was given the XXXX XXXX XXXX miles, as shown on my XX/XX/22 statement from Barclays. That statement did not include the {$99.00} statement credit.
On XX/XX/22, I initiated secure message correspondence to ask about when I would receive the promised {$99.00} statement credit. After some back-and-forth, I was told " [ o ] nce qualified, bonus offers will typically take 4-6 weeks for completion. '' On XX/XX/22, I decided to try my luck again and send another secure message asking about the {$99.00} statement credit. I was told " Upon reviewing your account the {$99.00} statement credit should be deposited into your account [ in ] 1-2 weeks. '' On XX/XX/22, with no statement credit in sight, I started another round of secure message correspondence. I was told " Upon review of your account, we show that you have met the requirements to earn the {$99.00} statement credit. Regrettably, we have identified an issue that prevented the statement credit from posting to your XXXX XXXX XXXX XXXX XXXX XXXX and are correct [ ing ] it as quickly as possible. We apologize for any convenience this may cause. '' I inquired about a specific timeline for resolution but was not given a clear answer.
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| 11/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I used my Barclay carnival mastercard ( big mistake XXXX to pay for a speing break vacation in XXXX florida at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX through XXXX booking hotel website. for dates XXXX XXXX XXXX amount of XXXX. The hotel closed before my arrival dates due to XXXX closing reference COVID-19. the hotel was not open on my said dates and I had to cancel. I called XXXX who advised me to have hotel maingate call them to verify closing of hotel which I did but hotel said they never call companies ever the company can call them so I called company back and now they told me to submit a written request on chat which I did and all my requests were deleted I didn't get refund I called Barclay to file complaint after found a website claiming XXXX is a fraud and a scam-there is now articles all over news about them scamming people for money. Barclay will not help ie mailed the resident of Barclay who also stopped responding to ym emails- they did say they would investigate but came back and said XXXX disputed so wouldn't refund money than I got an email after that from president of XXXX saying yes I am due a refund of total amount back to my card I submitted that back to Barclay along with an email rfom hotel probing there were no charges for me on my folio since I didn't go and everytime I call Barclay to follow up they don't give m e info they say they still investigating they wont tell em anything or help me and presiden wont email me backj I have received no letter and its been past 45 days I want my refund back for XXXX other people in the scammed XXXX groupo are getting there money abck from their banks seems Barclay is the only credit card giving their customer issues
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| 05/31/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I have had a Banana Republic branded credit card for many years. The servicing bank was recently changed to Barclays. Barclays mailed me a new card, but this card was damaged, with no legible number. I was unable to resolve this issue over the phone, as the agent could not figure out how to help me, and I decided to simply stop using the card.
After my husband made legitimate charges on this account with no physical card in the store, I decided again to try to resolve the issue of the damaged card. When I called Barclays, the agent offered to express mail me a new card and did so. She did not tell me there was a charge for this service and I did not authorize a charge.
I then received a bill for the legitimate charges as well as a {$15.00} charge for mailing the new card. I placed XXXX calls to complain. On the first call I was asked to call a second number. XXXX calls to that number were disconnected after lengthy conversations with agents.
I paid the legitimate charges but disputed this {$15.00} charge in writing per Barclays policy ( first letter XX/XX/2023 ) and requested that my account be cancelled. Barclays responded in writing confirming cancellation of my account but did not address my appeal of the fraudulent charge. I disputed the charge again in a second letter dated XX/XX/2023 and Barclays has ignored my written dispute and continued billing me in defiance of their policy.
I have given up and paid the {$15.00} rather than risk any harm to my credit rating but I wish to make a complaint against Barclays for, first, applying this charge that I never authorized, and second, failing to follow their own dispute policy and ignoring my dispute and continuing to bill me.
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| 03/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I made a purchase about 6 months ago now, that I've been having problems with the purchase after about two weeks of that purchase and I've tried on multiple occasions to have the merchant fix which they could not. My purchase of a XXXX XXXX has not worked and I've contacted the merchant and they told me it was an update issue which they have not had a chance to do, so I waited a few months, then after that update the problem got worse which I told the merchant about and it wasn't till last month of the last time the merchant tried to fix and again not successful at. The merchant, XXXX then told me that is was indeed like I thought was the router that was really the fault because it was defective and the merchant refused to replace which is still under warranty and has stop all response to me, so I contacted my financial institute and they, Barclays is defending them in the act of not honoring their product by telling me that they fell the merchant has not had a chance to resolve the problem. I've waited 6 months with this merchant and had multiple on-line repair sessions with the merchant that their technicians can't fix, and admitted to it and on top of that stop responding to me after telling me they can't send me out a replace because they no longer have a shipping account, nor is refunding me and Barclays says the merchant didn't have time to resolve it after 6 months .... Well I clearly gave them time and they stop responding to me and Barclay " feels '' different!! how is Barclay to come up with that and not honor my dispute after my multiple attempts to reach out to the merchant with no success. Barclay is aiding them in not honoring my warranty and closed their dispute case.
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| 02/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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Ref : Barclay Visa Credit Card Account # XXXX XXXX XXXX : Dispute Case XXXX I disputed a charge for a hoodie that was not received. Do I have credit card protection for online purchases that are not received? Why am I being charged for an item that I did not receive?
I emailed photos of a damaged bag on XX/XX/XXXX to XXXX. I disputed the hoodie to Barclay fax : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I called XXXX on XX/XX/XXXX. I need an explanation letter for this dispute after I called and faxed on XX/XX/XXXX. Barclay charged it back on XXXX Bill. Why?
XXXX did not honor our contract. Barclay is not honoring my trust in the credit card. A credit card charge is a contract between consumer and merchant. I trusted XXXX to guarantee that I receive the hoodie that I paid for. I did not receive the hoodie, so they need to refund my credit card {$58.00}. As soon as I dont receive the hoodie, the purchase contract is void. I dont owe them for a hoodie that is not received. You need to make XXXX refund my card. The credit card charge and contract are not valid, because the terms of the contract were not honored by XXXX.
XXXX XX/XX/XXXX {$58.00} CREDIT - DTLR/VILLA XX/XX/XXXX - {$58.00} XXXX XX/XX/XXXX {$58.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Barclay should know what a purchase contract is and resolve conflicts between consumers and merchants based on consumer law and consumer protection.
No dispute button on your website conveys that Barclay does not want to take responsibility for credit card protection and consumer law.
You need to refund my card {$58.00}. I will be filing consumer complaints with the government against all parties involved.
Sincerely, XXXX XXXX
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| 04/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
Older American, Servicemember |
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XX/XX/2022, my wife and I took a flight on XXXX XXXX flight # XXXX from XXXX to XXXX. On that flight we were offered XXXX airline miles to take out a XXXX XXXX Card with Barclays bank. Also there was a bonus XXXX miles for entering a XXXX digit code, that was hand printed on the back of the pamphlet. We accepted the pamphlet and took it home.
On XX/XX/XXXX we went on line to the credit card website, XXXX and successfully completed the application and received an approval.
We made our first required On purchase on XX/XX/XXXX that would initiate the transfer of XXXX miles to my XXXX XXXX account.
To our dismay, we only received XXXX miles, not XXXX as advertised.
On XX/XX/XXXX, I called Barclay 's customer service. The front line representative could not solve my problem so I asked for a supervisor. He issued me a case # XXXX. I was transferred to nice lady who said she could help me. She requested that I send photos of the front and back of the pamphlet to XXXX. I stayed on the line and she verified that she had received the photos and Barclays would respond to me within 3 days.
I received a letter from Barclays on XX/XX/XXXX stating that " We're currently unable to assist you with your Rewards Issue '' Please call us at this XXXX number for details. I called the number on XX/XX/XXXX and was told there was no option except to issue another complaint.
I then called XXXX XXXX customer service on XX/XX/XXXX. They called Barclays on my behalf but were told that the pamphlets were old and the offer was out of date and all I was entilted to was XXXX.
My complaint is that the offer was fraudulent if I was given a out of date pamphlet and they should still come thru with the miles.
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| 09/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/2020 at XXXX XXXX ET I received a text message Fraud Alert from XXXX XXXX ( Barclays ) informing me that a charge for {$1600.00} at XXXX XXXX XXXX was approved on my account and prompted me to verify if this charge was valid or fraud. I immediately contacted XXXX and informed them that I had not made the charge and requested that they also close the credit card account. On XX/XX/2020 a letter was issued to me from Barclays informing me that " the account has been closed due to suspicious activity and is pending an investigation. '' On XX/XX/2020 a letter was issued to me informing me that " this letter confirms that the fraud investigation has been completed ... After conducting our investigation, we have determined that you are not responsible for the reported fraudulent activity. '' On XX/XX/2020 a letter was issued to me informing me that " Our research has indicated that the transaction ( s ) is valid. The transaction ( s ) has therefore been placed back on your account. '' After receiving this letter on XX/XX/2020, I immediately called the number provided for the Fraud Investigation department ( XXXX ) and spoke to XXXX ID # XXXX She informed me that their investigation showed that the vendor was able to prove that the charge was credible, but would not tell me what exactly that meant. She went as far as to suggest that I just didn't remember making the charge. I requested to speak to a supervisor and was told by her that she would put in a request to have someone call within the next 7 to 10 days. I tried calling another phone number for Barclays customer service and was routed back to speak with the same person XXXX XXXX XXXX in the Fraud Investigation department.
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| 06/13/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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I am carrying a large balance on a Visa card issued through Barclays. I recently discovered that my job may soon be phased out. I contacted Barclays to request a lump sum settlement of my balance before I fall into financial trouble. At first I tried requesting that they discharge the high interest charge they had placed only 3 days prior. The phone rep kept refusing to waive any amount. I then asked for a supervisor or manager. I was place on hold for several minutes until someone else took the call. Again I was given the same speech about how they can not waive the interest. I kept trying to explain that all I wanted was to pay the balance but needed help with a discount or minor discharge on the balance so that I may pay a final lump sum settlement. I explained that I wanted to settle this account before I start falling behind due to my future employment status. Due to their continued refusal of how they could not change any information on my account, I again asked to speak to a supervising manager/director. I was again placed on hold for a long period of time. Periodically I heard clicking on my end of the phone but no one else would speak into the phone. After 52+ minutes, I heard some # key tones and then disconnected altogether. I feel this type of behavior is unprofessional and hurts the consumers who want to be able to keep a good faith relationship with these types of companies/services. It is shameful that they would rather see their consumer fall into dire financial hardship due to their unwillingness to compromise on what amounted to be a few hundred dollars to a couple thousand. When at the end of each day, they close their books largely billing billions of dollars.
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| 01/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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In XXXX XXXX I opened a Barclays AAvantage Credit Card with a XXXX advertized bonus with {$2000.00} spend. I met the terms in XXXX and have been waiting on the bonus. The terms state that the bonus will be paid in 4-6 weeks but can sometimes take 8-10 weeks. It has been three months. When I contacted customer service they said the bonus would post on my XXXX statment but it did not.
I would appreciate the bonus being paid now as I met the terms of the offer and had wanted to use the points for a flight. Due to the delay I have had to book the flight and have not been able to use the miles promised.
From the company : You will receive XXXX bonus AAdvantage miles and a {$95.00} statement credit after spending {$2000.00} on Net Purchases within the first 90 days of your Card Account open date. This one-time offer is valid for new accounts only. Existing accounts and previous cardmembers with accounts closed in the past 24 months may not be eligible for this offer. The bonus AAdvantage miles will be reflected on the billing statement in which you have qualified to earn the bonus. Please allow 4-6 weeks for bonus AAdvantage miles to be deposited into your AAdvantage Account after the qualifying purchase ( s ) have posted to your Card Account. The statement credit will appear at the close of the billing statement after the qualifying purchases post.
The requirements were fulfilled on XX/XX/2022 statement, therefore, we kindly ask you to allow the allotted time. The bonus miles should be reflected on your XXXX statement.
We thank you for being a valued customer and we hope you enjoy the rest of your day. If you have any other questions or concerns, please reply to this message.
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| 11/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XX/XX/XXXX, XXXX {$3900.00} deposit was paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX Uber credit card. This payment was a deposit for a vacation to XXXX XXXX that was scheduled to take place in XX/XX/XXXX.
XX/XX/XXXX, XXXX Our flight to XXXX XXXX XXXX cancelled by the airline. XXXX XXXX borders were closed to international travelers due to the XXXX pandemic. The travel agent XXXX XXXX XXXX XXXX XXXX ) offered to reschedule our trip to XX/XX/XXXX and we accepted.
XX/XX/XXXX, XXXX I requested to cancel our postponed trip and receive a refund since the original trip was cancelled due to the XXXX pandemic. The travel agent replied that my deposit would be forfeited if I cancelled our postponed trip. They were unwilling to issue a refund.
XXXX XXXX I filed a dispute with XXXX for the transaction. Case number XXXX XX/XX/XXXX, XXXX I received a letter from XXXX XXXX they were unable to obtain credit on my behalf because I needed to notify them of the billing dispute within XXXX statement cycles after the charge appeared. This would have been impossible, as the charge took place on XX/XX/XXXX and the trip wasnt cancelled until XX/XX/XXXX ( XXXX XXXX XXXX XXXX I replied to this letter stating that what they were asking was impossible, and they replied stating that they could not do anything else to help.
XX/XX/XXXX, XXXX I contacted the owner XXXX XXXX XXXX XXXX XXXX and they agreed to refund me for a portion of my deposit ( {$1300.00} ), which was for the lodging accommodations for our trip. They said they were unable to refund us for the domestic flights that were supposed to take place during our trip because the airlines were not refunding them. Refund was received on XX/XX/XXXX.
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| 04/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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A charge of nearly {$3000.00} appeared on my Barclaycard statement, which I received in XXXX but did not immediately review, as I have a XXXX balance with no purchases on this account. In mid XXXX, 2020 I wrote to Barclaycard, at the address provided on my statement, to dispute the listed transaction. To date, the company has not responded, other than to report very negative remarks on my credit report for three successive months, thus causing me to lose more than {$10000.00} in existing credit from a merchant with whom I have had an impeccable A+ relationship for many years.
I called the company, at the number listed on the my statement, in mid XXXX to inquire about the dispute and negative credit reporting. The customer support person began by explaining that with the recent public health concern they did not have time to investigate disputes. I told this person that the bank still had time to perform all of it's other functions, like reporting false account information to the reporting agencies, and that investigating a dispute was not an activity at risk. I also informed this person that his attempt to hide incompetent or illegal bank activity behind a public health crisis was offensive to me.The customer support person then hung up. I therefore received no useful information based on my phone conversation with the bank 's representative.
The bank is clearly operating illegally as I timely and correctly delivered my dispute to the appropriate address, made an attempt to follow-up and to date have yet to have the transaction treated as " in dispute ''. All of my existing credit has been taken away due to the false reports that Barclaycard is making on my credit report.
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| 11/02/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Delay in processing application
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Web |
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XXXX mailed me a form that said I was pre-selected for their Arrival+ card. I would earn XXXX bonus miles after spending {$3000.00} in the first 90 days. Apparently, their pre-selection process is not very good because they eventually sent me a letter requesting additional information. I had to call them to find out what. Annoying. So the person on the phone informs me that they need photocopies of my driver 's license and Social Security card and a bank statement with my address. //////////////////////// The person also informs me that the XXXX mile deal has expired AND that they 've already done the hard pull. So XXXX has now harmed my credit and taken away the bonus that was the reason that I applied in the first place. All due to their fake pre-selection process ( which is really just spam ), their business practices of doing a hard pull before getting the information that they need, and their own sluggishness. //////////////////////// I sent in the info anyway because, oh well, they already did the hard pull. This was on XXXX XXXX. //////////////////////// Then on XXXX XXXX, I received a letter asking me to send in that same additional information. I went to their website and they have a feature to check my application status. I put in my information and the message is, " Currently we are unable to offer you a credit card issued by Barclays Bank Delaware. '' This has nothing to do with my creditworthiness. I have a job that pays well, no debt, no mortgage, a nearly perfect credit history, a FICO score in the high XXXX, and I have never been rejected for a credit card. This is n't even a very good one. This is due to their complete mismanagement and spammy credit offers.
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| 05/25/2019 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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The companies involved are already aware as I have written to all of them. Barclay is claiming that I have not made any payments since XXXX towards a bill I owed them. They are claiming that I still owe {$1500.00} when I have proof from my bank and from their debt collector that I have made a one time lump sum payment of {$640.00} plus $ XXXX/mo every month to their debt collector. My bank has all the records of these payments as it was automatically withdrawn from my account every month. Their designated attorneys known as XXXX negotiated with me. XXXX went out of my business in XXXX when my account was paid in full. They told me that Attorney XXXX XXXX would review my file as these were the new collectors and they would send me the needed " paid in full '' paperwork. That NEVER happened, XXXX instead wrote me and said that I haven't made payments since XXXX. This is inaccurate. I have sent letters and proof to XXXX XXXX and three credit bureaus. They won't even let me " add a statement '' to my credit report. This is unfair and an unethical practice of bullying a consumer, namely me. I have all proof and documentation I am more than pleased to provide. Additionally, the first invoice I ever received said that I purchased an XXXX product which I did not. The invoice dated XX/XX/XXXX has all of my information on it, except it has the wrong account number on it, # XXXX. They argued with me and said it was mine so I tried to pay this fraudulent claim, just to get it off my record. I tried to pay it, but this is not my account #. Every invoice after that had the correct account # on it which ended in # XXXX. # XXXX is my account number, the original " XXXX XXXX' invoice is not.
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| 09/20/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XX/XX/XXXX- Called credit card company XXXX XXXX requesting to reverse a balance transfer that was made in error due to recent XXXX XXXX XXXX due to XXXX XXXX XXXX. Not resolved. XX/XX/XXXX- Called credit card company XXXX XXXX again requesting to reverse a balance transfer that was made in error. They stated they can not reverse the transfer but they could write a check in the amount of {$5800.00}. This was authorized by XXXX XXXX ( the card holder ). They said they would be sending the check in the mail. This would bring the balance to {$0.00} on the XXXX XXXX Credit Card.
XX/XX/XXXX- Check never arrived. Instead credit card Company reversed 2 balance transfers electronically without authorization or notification to card holder. Over the requested amount leaving a balance of XXXX XXXX14.99 % APR ( previous APR 0 % ) XX/XX/2018 PAYMENT REVERSAL {$2800.00} POSTED DATE XX/XX/2018 PURCHASED BY XXXX XXXX XX/XX/2018 INTEREST CHARGE ADJUSTME {$33.00} XX/XX/2018 PAYMENT REVERSAL {$6300.00} POSTED DATE XX/XX/2018 PURCHASED BY XXXX XXXX XX/XX/2018 PAYMENT RECV 'D CHECKFREE $ ( 2850.00 ) XX/XX/2018 PAYMENT RECV 'D CHECKFREE $ ( 6380.00 ) XX/XX/2018 PAYMENT $ ( 2892.38 ) XX/XX/XXXX 3rd call, spoke with manager. He stated they can not undue their error. But But XX/XX/XXXX will remove interest charge of XXXX XXXX.They admitted that the first case opened on XX/XX/XXXX- was in a different department than the Case on XX/XX/XXXX leading to the departments not communicating resulting in the cancellation of the authorized check of {$5800.00} along with the 2 transfers being : {$6300.00} and {$2800.00} This leaves an open balance of {$3400.00} with an 14.99 APR which previously had a 0 % APR.
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| 07/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am writing about a credit card charge that I disputed to Barclaycard and was denied. The case number for Barclaycard is # XXXX. The Transaction date of Saturday, XX/XX/XXXX and Post Date of Monday, XX/XX/XXXX. The charge is listed as XXXX XXXX in the amount of {$3300.00}.
This reserved a XXXX for XX/XX/XXXX-XX/XX/2020 in XXXX, XXXX. Due to the COVID-19 crisis, my flight was canceled and travel is not practical. On XX/XX/2020, I attempted to cancel the reservation and subsequently called and pleaded with them for any opportunity. In the original dispute, I outlined my many attempts to receive a refund or even credit for the transaction. Their own policy states that customers should receive a refund or credit for a future stay. However, XXXX did not hold up their end of the contract to render services based on the money that I paid. XXXX did eventually offer me a very small refund of service fees and a portion of the host charge, which are the refunds in my account ( {$240.00}, {$230.00}, {$0.00} ). However, XXXX allowed the property to become unlisted and converted into a rental, violating their own terms and rendering no recourse for me as a customer that put down thousands of dollars. This is a clear example of service not rendered.
Therefore, I tried to dispute the remaining charge of {$2800.00}. In light of the crisis and the fact that I am not even able to use the money towards a future credit by XXXX or the property managers actions of removing the listing, it is only fair that the money be returned to me.
Unfortunately, Barclaycard denied by the dispute, despite the fact that the property owner broke their contract with XXXX and I was not offered any services.
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| 08/02/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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My account with Barclaycard was charged off in XX/XX/2018. I was contacted by the company that bought the debt and started to make payments. In XXXX of this year I was unable to continue to make payments and notified the collection agency I had been working for and they stopped payments due to financial hardship. Last month I talked with a mortgage lender who stated I would need to settle the debt. Over a 5 day period I called Barclaycard in excess of 50 times trying to settle the debt. I was informed by Barclaycard that XXXX had my debt and that I needed to call them directly. I called them directly and they politely told me that Barclaycard recalled my debt on XXXX. When I called Barclaycard back I would be either transferred automatically to XXXX or I was told that Barclaycard couldnt help me because Their system showed that XXXX has the debt. Through a process of being passed through 3 levels of management I was connected with what I was told was the highest authority figure on the phone who stated that Barclaycard is unable to tell me who has my debt at this moment, and that they are not able to help me as it was charged off. They denied to put in writing or provide me with any way to know who has my debt. The managers name was XXXX operator number XXXX. He said repeatedly that he was unable to provide proof of who has my debt other than XXXX. He further instructed me to wait 30 to 60 days for the next company to get the debt. XXXX was unable to answer how he knew this when he couldnt verify to me that Barclaycard was in possession of my debt, and that it has been six months since XXXX had my debt as well. XXXX refused my request to attempt to pay my debt at this time.
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| 01/18/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I was billed for an XXXX stay in XXXX of XXXX for around {$880.00}. During this stay I had to come out of pocket for things that were to be in the unit. And for other things, I just didn't have during my stay even though they were advertised. I requested a refund of {$100.00} ... to cover out of pocket expenses. The host approved the refund but I believe there was a typo as it was only {$1.00}. XXXX will ONLY allow you to escalate from there directly to them. I did just that. XXXX refused to assist, I was passed to so many different representatives and told so many different things that after 2 weeks I decided just to dispute the amount with my Barclays card. After submitting my dispute online, I was told by a representative to submit the correspondence either with fax or mail. I have not had a fax since XXXX so I mailed it over a month ago. I messaged them in their secure messaging asking for confirmation one way or the other if they received the physical copy that had receipts/correspondence to back my online dispute and they refuse to give me an answer on whether they would assist with this dispute and protect my purchase. I was never even credited the amount while being looked into. I have had contact about this issue with Barclays no less than 5 times ( online, messaging, phone/chat ). I will have this card paid in full within the next week and have locked it from any other use but I still want my {$100.00} back on my purchase/refund, they can mail me a check. I have attached the dispute in print ( only taking out my full account number ), along with all of the info I send to them including my receipt. Please let me know if there is anything further you need from me.
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| 03/21/2016 |
Yes |
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Web |
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On XX/XX/2016 I did an ATM withdrawal for XXXX.The terminal I used in XXXX AR charged XXXX.That would be a total of XXXX.I did no more withdrawals after that.The same night I called Barclay to report to close the card because an establishment in which I had visited did not secure cards properly.However I have the card in my possession.
After this one XXXX, I have been receiving charges of XXXX continuously on my statements.My statement for XX/XX/XXXX/XX/XX/XXXX had XXXX ATM CASH ADVANCES of XXXX and CASH ADVANCE FEES.There was also Interest fees on the Continual Incorrect Charges.This made my payment XXXX for the month.I had called customer service Overseas and she told me to just pay the amount stated, next month would be correct amt.MY payments normally do n't run over XXXX per month.For my balance i normally carry payments do not run over XXXX.I would have been charged late fees had I not paid that incorrect payment and then there would have been a bigger problem.
So, I looked online on XXXX/XXXX/2016 and there were more of these incorrect charges.What I saw was a XXXX ATM Cash Advance for the entire month of XXXX the Cash advance fee for each day as well.Totaling XXXX.Plus the Cash front End Fees totaling XXXX.Not to mention the entire page of ATM Cash Advance Charges.Some had minus signs meaning Reversed. The Customer Relations Person had to attempt to go thru and add up all the repeated charges which had become a total frustrated situation for a Barclay cardmember. Again, I have the closed card in my possession so I know its not Fraud, This is BARCLAY Cards error.If I pay this bill my payment would be XXXX and some cents.
I need this chaos corrected, IMMEDIATELY.
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| 01/10/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XXXX XXXX XXXX, I purchased a bunch of chocolate bars while on vacation in XXXX. They were gifts for people back home in the US. My daughter opened hers and saw that the chocolate was rotten. XXXX and discolored. And it tasted disgusting. I went online with the Barclay 's AAdvantage Mastercard to open a dispute. The online system kicked me out when I answered " no '' to " have you tried to return the item. '' Obviously I couldn't fly back to XXXX. I tried to contact the place in XXXX where I bought them ( XXXXXXXX XXXX XXXX ) but they don't monitor their XXXX page and I'm guessing it would cost me a lot to call them.
I then called the CC/Barclay 's to open the dispute since the online system didn't work. I was told I had to send in written documentation, which I did on or around XX/XX/2023. I sent the receipt and a pic of the nasty chocolate. Weeks went by with no information, so I called again.
I was told they would not refund my money because I bought the stuff in person and apparently, it was my job to inspect it????? When I told them that it's ridiculous to think that I need to open every food item I will ever buy to make sure it's not rancid is beyond ridiculous. I made numerous calls to agents and supervisors and at one point they canceled my card and hung up on me.
So if they canceled the card due to the {$55.00} issue, that tells me that it was a bad transaction and that my money should be refunded. They were beyond rude. I even wrote to them online ( XXXX ) to be told they can't really do anything. They offer a lame apology. So now I'm out {$55.00} and my CC has been closed. I don't ever plan to use the card again so I don't wish for it to be reopened.
|
| 06/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American, Servicemember |
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Barclays US issued a replacement card because they changed the rewards sponsor. the old XXXX XXXX Visa card was replaced by the XXXX Master Card with a different number. Upon activating the card on XX/XX/2021, all the online account information was replaced with the new card information only the old card balances remained.
Being pressed for time, I placed a block on the card through the company 's online feature on XX/XX/2021, because I had a vendor that has a non-prorated refund cancellation policy, and also makes canceling a subscription through the website difficult. I was not able to access the old card account online as it had been merged with the new card upon activation. The vendor used the old card information to process the transaction for {$99.00} on XX/XX/2021.
I contacted Barclays on XX/XX/2021, to inquire why the vendor was able to process a transaction with an old card that was replaced with a newly activated card of a locked card account. I also was concerned that since it was the same account, the old card should have been canceled upon the activation of the new card. They informed me that since the vendor had the old card information it would be possible to continue to charge the account until the old XXXX Visa Rewards card expired regardless of the replacement card being active. They informed me that my only recourse was to submit a dispute for the charge. I informed them that this would not be correct since the account control failure was Barclays. they said that's all they could do.
Also, note the inability to block the old XXXX Visa Rewards card because the account was merged and only allowed me to control the newly activated XXXX Master Card.
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| 07/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Barclays Bank refuses to reverse a charge for a transaction in which the merchant admittedly never provided the services for which I contracted. On XX/XX/2020, I paid merchant XXXX XXXX {$390.00} via my Barclays credit card in order to transport luggage. Through no fault of my own, the luggage was never loaded on the plane, and I subsequently sent the luggage via airfreight with another company at about double the price ( see attached invoice ). US Department of Transportation Regulations require that all charges be refunded to the customer under these circumstances. ( See : https : //www.transportation.gov/individuals/aviation-consumer-protection/refunds ). In violation of these Federal regulations, the merchant desires to give me a " travel voucher '', which I neither requested nor want, and would mosts likely never use. Bizarrely, rather than refund an admittedly illegitimate charge, as it is required to do by law, Barclays Bank has decided to assist the merchant in its own violation of Federal law and regulations by insisting that I must accept the travel voucher, rather than a refund of my money. By so doing, Barclays is violating the law while also acting as an accomplice of the merchant in its own violation of Federal law. Barclays need look no further than the fact that I admittedly never received the services for which I paid. Failure to refund my money makes Barclays a party to the merchant 's fraud and deceptive practices. Barclays is not a Tribunal, and has no right to choose sides. It is a bank which must follow banking law, which stipulates that I am not required to pay for services which I never received. Barclays should follow the law and refund my money.
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| 05/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
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Web |
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I received an account statement after I gave the company a cease and desist. I called to verify that I was indeed on a cease and desist list and verify that I was not to receive any more communication. At first they could not find my account in their system, and then they put me on hold. Then I was given the phone number ( XXXX ) XXXX XXXX and told that they were the only people that could help me with my account. I insisted that I just want to be put on a cease and desist list, and that I have no desire to speak with anyone. I was told that is not possible and I must call the number. So then I asked who was on the other end of the number. The support person did not know and could not give me any information on who she was requiring me to contact to take a cease and desist order. I asked if the conversation was being recorded, explained the serious nature of the request and asked If I could have a transcript of the call. She refused and insisted that I call the number. So I called the number. I was greeted by an automated system that told me I needed to answer questions to determine if I am eligible for something - an advertisement. totally inappropriate... Then it asked me if there is someone over XXXX XXXX XXXX in my household, press 1 for yes. I did not press anything. It asked it a second time. When I didn't respond it asked my my name and the reason for calling. Note : I still have no idea who I am speaking to .... Then before I could respond, it terminated the call. I am the victim of a crime. I am receiving anonymous threats. I am a party to multiple bankruptcies and fraud cases. This is harassment and it is totally inappropriate and it is reckless and dangerous.
|
| 11/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
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Web |
|
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On XX/XX/2021, I received an alert, a text message on my phone stating that there was a fraud alert and the message asked me to confirm if I had authorized {$80.00} from the XXXX ATM located at XXXX HA. I immediately responded to the alert, NO, then the next message stated my card was blocked. I called in, the representative just said they needed to block or freeze my account. At this point, online showed XXXX transactions had went through, same atm, for a total of {$400.00}. One transaction for {$200.00}, and two transactions for {$100.00} each. I filed dispute, sent back information and assumed this would be resolved. My dispute was denied and now I am waiting on snail mail to come to tell me what documents were used in the denial. I had my card in my possession and physically was located in my house online working in college admissions. My car is in the shop and I have not given my debit card out and would not have done XXXX transactions to incur a fee when I know my withdrawal limit is more than {$200.00} per transaction. My card is an Uber XXXX from XXXX Bank. I remember getting an alert from Uber that someone had logged into my account but at the time I did not investigate. I went to the location where the XXXX ATM was used. It is in a XXXX that I have never been in until last week when I went to see if I can get the loss prevention to pull the atm or their camera on XXXX at XXXX to help in this investigation. I am not sure how someone could get into my debit account without my atm unless the machine or they used some type of cardless option or the bank has mistakenly in error pulled funds from my account that were supposed to be pulled from someone elses account.
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| 09/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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Text of my XX/XX/XXXX letter to Card Services, XXXX XXXX XXXX, XXXX, DE XXXX [ XXXX Mastercard ] : I am writing about the fraudulent transaction referenced above. I have spoken by telephone with your customer service operation on at least six occasions. Twice I spoke with agents identified as members of the fraud unit. I was told that the referenced transaction was one of a series of fraudulent transactions posted to my account in a short time frame. Although I was assured that the transaction should have been credited along with the rest, and that it would be credited, you have not reversed the transaction and continue to charge me interest on it. The other suspicious transactions have been credited. Your representatives have told me that your failure to credit the transaction was an error. You have told me that your investigation determined that the transaction was invalid, like the others I have described. I relied on those assurances, but you have not made good on them.
I am enclosing copies of two letters I received from you about this activity. In your letter dated XX/XX/XXXX, you told me that " the fraud investigation has been completed '' with a determination that I was not responsible for the activity. Curiously, you then sent a letter dated XX/XX/XXXX, which stated that " suspicious activity '' was " pending investigation. '' Your mis-handling of this matter is disturbing and could itself be viewed as fraudulent. If within 10 days of your receipt of this letter the disputed item is not credited, along the interest attributable to it, I intend to file a complaint with the Consumer Financial Protection Bureau, and with any other agency possessing jurisdiction.
|
| 08/22/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
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Web |
Older American |
|
On XX/XX/XXXX, I applied for a Barclaycard Visa with XXXX XXXX. Please note that I already hold a MasterCard issued by Barclays and that my FICO score is in excess of XXXX. On XX/XX/XXXX, I received a letter requesting copies of my social security card, driver 's license and bank statement or utility bill with my name and address. I contacted Barclays and they told me that these documents were required to establish my identity. After that conversation, I copied these sensitive documents and mailed them to Barclays as requested. On XX/XX/XXXX, I mailed copies of my social security card, drivers license, bank statement, electric bill and a copy of my owner information and parcel description from the XXXX XXXX Real Property Tax Records. Throughout the month of XXXX, I have made numerous calls to Barclays and asked for the status of my application or to return my identification documents to me. They have done neither. Meanwhile, I received letters dated XX/XX/XXXX & XX/XX/XXXX requesting the information that I have previously sent to Barclays! Today, I called Barclays and this time, I was told that application was denied but the representative could not tell me the basis for the denial. Meanwhile, I am extremely worried that Barclays has lost my identification documents and I am at serious risk of identity theft due to their incompetence. Also, I am very concerned about the effect that a denial of credit will have on my FICO score. I have spent a lifetime maintaining a stellar credit rating which is now being jeopardized by Barclay 's negligence. Finally, please note that I am a senior citizen and that I believe that I am also a victim of age-related credit discrimination.
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| 04/18/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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I have a business credit card from my employer. We were migrated over from XXXX XXXX to Barclay by XXXX. On XXXX XXXX, 2016 I called to activate my card. My boss ( doctor ) the Primary Account Holder had a difficult time activating his because they have my social security number and date of birth listed as the primary account holder. I have been told that both cards are in my name and I am listed as the primary account holder and am financial responsible. I called immediately to correct this error. I faxed over requested information immediately. I did not receive a response. At first I attempted to resolve this by calling Barclay and speaking with a supervisor, after numerous calls and not being able to speak to anyone that could help me and begging the supervisors to escalate my call and put me in touch with " someone higher up '' I resorted to social media. After posting on Barclay 's XXXX page XXXX from the Social Medial Team reached out to help. I informed her I would need to speak to someone higher up. I finally contacted XXXX to complain and was contacted by someone from the Executive Office of Barclay Card ( name available if needed ). It has been 4 weeks since this nightmare started. I have spent at least 6 hours on the phone trying to correct their issue. As of today I was told that they finally have the doctor listed as the primary account holder but unfortunately they still have my social security number and date of birth under under his card. If I credit report was pulled for me today, what would it show!! This is identity theft at a whole new level. I have documentation ( date, time and name - It is too lengthy to list her. I want this nightmare to be over!
|
| 01/19/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
Servicemember |
|
Barclays reported an account to the credit bureaus and has been contacting me about this debt they say I owe them. I have never done business with them and I do not owe them any money : no credit has been extended nor any services ever rendered to me from this company. One debt is showing on my credit report.
I sent a letter to them to verify that I owe them money on this account according to the FDCPA and they could not verify through any signed contract or document between XXXX and I proving that Im responsible for the debt on this account. I informed them that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from XXXX XXXX or any company that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I am requesting just this or I will be forced to take legal action against Barclays at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I requested proof from them in writing which they received through certified mail on XX/XX/2018. I have attached my receipt from the certified documents well as a copy of the document itself and the response I received from Barclays regarding this account on XX/XX/18 which included account statements bearing no signature and is no deemed acceptable to the FCRA & FDCPA as proof.
|
| 05/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Unfortunately, I dont have all the dates but I will provide a short summary of over 12 months of me attempting to collect a credit from Barclays US .
I was issued a refund on XX/XX/2021 from a hotel stay. When I realized the funds did not reflect on my credit card, I contacted Barclays US. The representative was unprofessional and immediately stated that I wouldnt get a full refund because I stayed at the hotel for a night. The merchant had advised, prior to check-out, that I would receive a full refund. Since then, I have reached out to the merchant and Barclays US several times to get this issue resolved. The merchant has provided a receipt that shows the refund which I faxed over to Barclay. The initial reason Barclay refused my refund is bc they were advised that the hotel stay was non-refundable. As of today, the reason I was told is some merchants will say they refunded the purchase but not complete the actual refund. This is extremely frustrating bc I have provided evidence that the refund was issued but Barclays US refuses to issue the refund to me. The most hurtful part of this all is I had to pay Barclays US in order to remain in good standing with the credit bureau! Its unfair that this company is allowed to do this to a hard working single mother. This ordeal has been a horrific experience. I NEVER wish to do business with them again! I feel like they stole from me and the company should be ashamed! I was a loyal customer but Barclays US was complete trash to me! I canceled the card today. I would also like to add, I attempted to speak with a manager, I was advised I had to wait up to two weeks for a call back that I never received. This happened twice.
|
| 10/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Someone created a fake XXXX account using my name, address, and credit card number and made a purchase on XXXX for two items that were supposedly shipped and delivered to my address. When I saw the charge of {$120.00} on my credit card and couldn't locate an order in this amount on my husbands XXXX account, I knew right away it was fraudulent. I called Barclay 's Bank immediately to dispute the charge and request a new card. They issued a provisional refund for the amount listed above while they completed their own internal investigation.
I received a letter dated XXXX that said they had completed the investigation and were able to determine the charge was indeed valid and they would reinstate the amount to my card. When I called them today ( XXXX ) they told me they have received documentation from XXXX showing that it was a valid purchase on an account with my name and address listed for that amount. I asked if they could send this information to me and I was told no. I was told by XXXX at Barclay card that I'd need to call XXXX to resolve.
I called XXXX and spent 2+ hours on the phone and spoke to 5 different people. First person wasn't able to verify the account because my phone number didn't match. Clue number one that this was a fraudulent account. I was then passed between other folks and the final person XXXX basically told me I needed to call my bank back to request a new card. I explained I had already done this. And then miraculously they couldn't find my account.
I am out {$120.00} and have no products or anything. I have never had an XXXX account under my name or address. And now I am getting emails from XXXX telling me they can't find the account.
|
| 04/07/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
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On XX/XX/XXXX I began getting emails from Barclays indicating that my account was past due. I only had the card for a month, so I had 1 statement, which I paid in full before the deadline. I called Barclays and XXXX told me he would remove the fees and interest charges and asked me to contact my bank the following Monday to see if I could substantiate the payment. I use XXXX XXXX on line banking to pay bills. XXXX processed the payment on XX/XX/XXXX and estimated it was delivered to Barclays a few days later. They had a copy of the cancelled check. I contacted Barclays on XX/XX/XXXX and they confirmed that the fees and interest had been credited - although I was still getting messages that I was late - but was told nobody issued a Missing Payment probe to resolve the matter. I was told it would be initiated then. ( I had also emailed Barclays on XX/XX/XXXX to report the problem and as of XXXX I still have not had a response to that email. ) Today XXXX I attempted to use my Barclays card and it was rejected. I called Barclays again and was told that I needed to pay {$27.00} if I wanted to use the card before the matter was resolved on their end, which could take 25 days. Nobody told me it would take 25 days to resolve the matter. And nobody told me I would not have use of the card while they looked for a copy of my check WHICH THEY CASHED. All this over a {$27.00} fee that I do not owe. I had another complaint about Barclays last year, which CFPB helped me to resolve, but I was so unhappy that I cancelled the account. I went back this year because I had hoped to use the mileage. Frankly I think it was a mistake to reopen the account. They are impossible to deal with.
|
| 12/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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After recently signing up for a credit monitoring service, I received notifications that a fraudster has aggressively attempted to open several new accounts in my name. I was emailed an alert advising me of a fraudulent application attempt at another bank. Upon researching further, I have found that several fraudulent credit card applications were previously submitted ; in including a fraudulent application to Barclays Bank resulting in a fraudulent credit inquiry on my XXXX credit report from Barclays Bank. I have received unsolicited communications from this bank/card issuer. The date of the fraudulent Barclays Bank credit report inquiry is XX/XX/2022. I exhausted all reasonable attempts to contact both Barclays Bank and XXXX to remove the fraudulent inquiry. Both companies have systems set up to create unnecessary obstacles to reaching a live person and have made the process to have the fraudulent inquiry removed impossible. Barclays Banks phone system and representatives have done nothing to help, furthering my frustration as a victim of identity theft. I no choice but to submit a request to submit complaints to the CFPB, FTC, and Office of The State Attorney General to have the fraudulent Barclays Bank inquiry removed from my XXXX credit report. The date of the fraudulent Barclays Bank credit report inquiry is XX/XX/2022. If the inquiry is not removed, then my only other option will be to seek legal assistance for damages caused by Barclays Banks refusal to resolve my issues as a victim of identity theft. This notice of complaint to be filed with the CFPB and FTC as well as the State Attorney Generals office serves as notice of my grievances with Barclays Bank.
|
| 09/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I was the victim of a credit card scam XX/XX/2021, involving XXXX and Barclays. On XX/XX/XXXX, by registered mail, return receipt requested, I sent both companies the police report, screenshots of fraudulent computer interactions, and a narrative of my trauma, attached below. XXXX immediately removed the charges and cleared all debt, but Barclays continues to deny my claim. I had spoken with Barclays XX/XX/XXXX, XXXX ( XXXX ), XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX, XXXX ), XX/XX/XXXX ( XXXX ). I received inconsistent, unclear information during these calls, and other times was kept on hold for up to 75 minutes and never spoke to anyone. On XX/XX/XXXX I received a letter from Barclays, dated XX/XX/XXXX, which denied my petition for dismissal of {$5700.00} in fraudulent charges, and stated I owed the original amount plus interest and penalty fees. Friday, XX/XX/XXXX I finally reached XXXX, who scheduled a call back for me and at XXXX XXXX. I spoke with XXXX who said by mistake they had scanned my documents but never forwarded them to a supervisor for review, that my case had been closed and was unable to be re-opened, but that she would send my information to a supervisor. XX/XX/XXXX I received a letter denying my claim. XX/XX/XXXX I filed complaints with XXXX, XXXX, FBI, FTC, and XXXX. On XX/XX/XXXX I received a barely intelligible voice mail from a woman with " the executive office at Barclays '' who said she would call me back, but has never followed up with me. I filed a complaint with the Louisiana Attorney General on XX/XX/XXXX. Today I received a billing notification from Barclays that I owe {$5900.00} by XX/XX/XXXX.
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| 10/14/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
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Web |
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I applied for a VISA credit card with one Barclay Card from Barclays Bank Delaware to obtain financing to purchase Apple products. One time I did receive financing but, this year I had called the card service and they approved financing for {$1600.00} towards purchase of two XXXX devices and so I purchased based on their verbal assurance over phone but, actually they never gave me financing instead, they started charging me the full interest from the time I purchased the devices. After a few payments of interests when I call them they always dodge me stating the next statement will have all the reimbursement but, it never happened. So, I paid them in full and stopped using the card. In the previous balance which was {$390.00} due on XX/XX/XXXX, I send a XXXX & XXXX check and mailed on XX/XX/19 but they still charge me {$31.00} as interest. Upon this, I called them and when I explained to them that I have full records of my payment signed and mailed on XX/XX/XXXX and it does not take more than 2 working days for mails to reach destination they waived off the fees and interests. At that point I requested them to cancel my VISA card account completely and give me a reference number or an email Notice of cancellation. They have failed to give me any reference number, nor any Notice. They only told me that I shall be receiving a letter. After that conversation I have neither received any letter nor any email stating my cancellation. I spoke finally with one operator whose name was XXXX and an operator ID XXXX ( as told by her ). Kindly help me obtain complete account closure letter from Barclay Card. Their website is BarclaycardUS.com and their Customer Service is XXXX
|
| 06/27/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
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The beginning of XXXX 2017, another individual used my information ( Name, address, social security ) to apply for multiple new lines of credit. Whilst most of them got denied by using proper security checks, two credit card companies allowed this individual to successfully open a credit card using my information. Here is the info that I have from my XXXX report : 1 ) Barcalays bank : Account Number : XXXX 2 ) XXXX/XXXX 's : Account Number : XXXX As soon as I realized these accounts were opened, I put in a dispute with XXXX. I also opened an account with XXXX. Using their recovery program and by contacting both Barcalay 's Bank and XXXX 's myself, I was able to get XXXX 's removed from my credit report. However, Barcalay 's bank is not working very well with me. I have called them myself and when I give them my information, name, social, etc.. They continue to tell me they ca n't find my account information. I have also mailed them multiple times. Then I received a call at my grandparents house, where I do n't even live, from Barcalay 's bank asking me by name because my account is overdue ( they were calling every day for about a week ). Luckily I was there one day when they called and I explained the situation to the representative and she said she was going to transfer me to the " security team. '' I then waited on hold for a couple of minutes then the line went dead. I called them 3 times since and each representative still tells me that they ca n't find my account by using my name or other info, but yet they called a relatives house and were asking me by first and last name. The next step on my identity theft recovery program is to put in a complain with you.
|
| 01/24/2016 |
Yes |
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Web |
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I opened a credit card with XXXX issued by Barclay 's cards XXXX after seeing a promotion from XXXX that if I will spend {$500.00} or more within 90 days I will receive XXXX miles as reward in my credit card. I applied for my credit card in XXXX XXXX and spent more than {$500.00} in XXXX XXXX ( statement is attached for you reference ). Till today ( XXXX/XXXX/XXXX ) I have not received any miles in my card.
I made numbers of calls to XXXX customer care as well as Barclay 's card. I called Barclays in XXXX XXXX to inquire about the earned miles ; they said it will credit in month of XXXX, XXXX after a billing cycle. Again I called to Barclays for this issue in first week of XXXX, XXXX. They said that XXXX has given wrong member id because of which miles not has been showing my fly XXXX Member # : XXXX which case number from Barclays were XXXX and mentioned that it will transfer in 10 business days. After this all communications my miles has been not transfer to correct XXXX Member # : XXXX numbers.
I again called to both companies in the month of XXXX XXXX. They said that they are investigating the issue and it will take another one month for transferring these miles. After 4 months, after all this call on XXXX/XXXX/XXXX XXXX just provided complaint number XXXX. They said it will be resolved within 10 business days. Today ( XXXX/XXXX/XXXX ) again I called them and still they are saying it will take time as they are investigating the issue. I am highly frustrated with this disservice by XXXX and Barclay and feel I have been cheated. I want escalate this issue and want solution for this problem.
My fly XXXX Member # : XXXX. Please help me.
Barclays card number XXXX
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| 03/26/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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|
Web |
Servicemember |
|
I did not receive the promotional 0 % interest rate for twelve months offered when I applied for the card online. Not only did I NOT receive the 0 % interest, I received a whopping 26.24 % rate. When I noticed it on my statement, I called XXXX XXXX XXXX. The agent responded, " Maam, that was only for balance transfers. '' I first used the card in XX/XX/2017 and the last time I used it was the following month. After receiveing the first statement, I called them, but after no resolve, I imediately stopped using it.
XXXX XXXX is using deceptive practices to lure unsuspecting victims into debt with them. I did not go on the XXXX site looking for a credit card, but instead toget an airline ticket. I already had major credit cards that I could have used for the purchase, when suddenly an ad popped up with a question asking if I wanted to save, if I remember correctly, {$50.00} on the flight? The XXXX credit card promotion offered 0 % interest and a {$50.00} credit to my card. I knew it would be approved because I had a good credit standing. I just thought it seemed like a good offer. But I know now that it was a teaser to lure in unsuspecting consumers like me.
At this point, I feel taken advantage of by XXXX and stressed each time I get a statement. In fact, I am sitting here crying right now over the most recent one. I have contacted them again today concerning this same matter and am waiting for a reply. I have requested XXXX refund all interest charged back to my account since I first used the card last year, and I requested that they give me the duration of my 12 months to pay the remaining balance at 0 % interest rate. Please help!
Respectfully, Unhappy in MS
|
| 02/06/2017 |
Yes |
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Web |
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I signed up for the XXXX, provided by BarclayCard. They were advertising a XXXX mile bonus for new cardholders. I fulfilled the prerequisites to qualify for the bonus miles, but since then I have not received the miles and every attempt to contact barclaycard ( starting in early XX/XX/XXXX ) for a resolution is met with the same canned responses about having to wait an additional billing cycle. A few weeks ago I spoke to a XXXX who guaranteed this was resolved and I would see the miles by the beginning of the next billing cycle ( XX/XX/XXXX ). Today I called back and was given the very same story, to wait another billing cycle. After I informed the XXXX that this was unacceptable and I 've been told the same thing weeks ago, she agreed to further escalate my case ( though she refused to transfer my to a more senior supervisor to get a resolution today ). I was promised I would get a call back in XXXX business days, but they refused to send me a transcript of our conversation or to put their claims into any form of writing. Each time I speak to them, I am taken around in circles with no resolution in sight. When I research this issue online, I find forums where hundreds of other customers complain about being in the same predicament that I am in, many of them spending over a year trying to get things resolved before giving up and closing their accounts. I believe this company is purposefully giving me the run-around hoping to exhaust my patience, so i simple stop bothering them. I would appreciate the CFPB 's assistance in this matter greatly! Thank you!
I first contacted them about this issue on XX/XX/XXXX, and the case number i was assigned is : " case ID XXXX ''
|
| 04/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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On XX/XX/21 I noticed two fraudulent charges on my credit card, both to XXXX. I called BarclayCard immediately to report. I was told the first one for {$960.00} was already flagged as fraud and the second one for {$420.00} would be investigated. I reiterated that they were both fraud and that I did not make either purchase, and that no one in my household had access to this card. Both charges were removed and I was issued a new card. A few days later, a package arrived at my door from XXXX. I assumed it was the fraudulent item and did not open it. It remains today stored in a closet, unopened. In XXXX of this year, I noticed the {$420.00} was placed back on my card. Barclay says they contacted XXXX who in turn contacted the third party seller and they determined that since XXXX had my correct address, account number, email and credit card that it was not fraud and must be a valid purchase. I explained that yes in fact, I do have an account at XXXX and this is how they have my info, however I did not make this purchase and told them that back on XX/XX/21 when I called to report as fraud. I have attempted to get the unopened merchandise back to them but the 3rd party seller, XXXX XXXXs, says their 30 day return window is closed. I have called Barclay countless times as well sent letters but they continue to insist it was a valid charge. Even after telling them repeatedly since day one that both charges were fraudulent. They can't explain why they recognized one as fraud but not the other. I have tried everything I can to settle this issue but they really just don't care. I have not paid this charge and stopped using this card in XXXX when they reinstated the charge.
|
| 02/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
Servicemember |
|
We got a flyer in the mail for a credit card from a company we have never heard of, named XXXX. There was an offer for a balance transfer at 0 % APR for the first 21 billing cycles following each balance transfer. As well as 0 % APR for purchases for the first 21 billing cycles following the opening of the card.
When we called to open the account, we wanted to wait until we got more information in the mail with the card, to look into it and make sure it was a valid credit card before we gave out our checking information for a balance transfer, but we very much opened the card to take advantage of the 0 % APR for 21 billing cycles for balance transfers.
Fast forward to today, XX/XX/XXXX, we get the card in the mail and call to do the balance transfer. Come to find out, we apparently opened the account on XX/XX/XXXX, and are no longer able to get the 0 % APR balance transfer and there is no 0 % APR on purchases. We would not have gotten this card if it were not for the offer, and then upon calling the company, they say there is nothing they can do. We are literally on day 47, and feel that obviously being as we just got the card ( or any information past the little flyer in the mail ) in the mail in the first place today, it was obviously not even a valid offer to offer us the balance transfer, because we could not even take advantage of the offer. Also, the company is stating that there is no 0 % APR for purchases at all. We feel that this company is either really not a valid company or something is wrong with their business practices. We would like the account removed from our credit history and want nothing to do with this strange company that seems fraudulent.
|
| 10/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Hello, To whomever this finds, I hope you are doing well!
I have been tirelessly trying to fix a XXXX day late error on my credit report that has dropped my score more than XXXX points since XXXX.
The company in question is Barclays/Barlcaycardus .
On XX/XX/2020 I made an on-time payment of {$250.00} to my credit card account. On XX/XX/2020 I received an email stating that the payment was received by Barclaycard/Luxurycard . I have photos/screenshots proving this statement.
When attempting to make a payment on XX/XX/2020, I was prompted with a past-due 30 day late payment for the month of XXXX. When reaching out to Barclays via phone immediately, I was told that no payment was made in XXXX, and the payment never posted to the account. I told them I received XXXX communication from them stating this prior to my phone call, and was told there was nothing they could do.
In XXXX of that year I wrote to the Executive Office of Barclays US and told them the story I told you. They investigated the matter and also told me there was nothing to be done and they need to report accurately and the XXXX day late was accurate. However, they also told me that they have no record of their own company sending any notification, email or text/phone call, letting me know the payment didn't go through. The App also reflected that a payment was made..
This is the kind of scenario that destroys trust among customers with large institutions and it needs to be looked into. I have been denied loans and come under scrutiny during credit checks because of this. This was not my fault and I should not have to bear the responsibilities of Barclays ( lack of ) actions.
Best Regards
|
| 07/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
As per the terms and conditions of this credit card ( attached ) - { You will receive XXXX bonus XXXX miles and a {$95.00} statement credit after spending {$2000.00} on XXXX Purchases within the first 90 days of your Card Account open date. This one-time offer is valid for new accounts only. Existing accounts and previous cardmembers with accounts closed in the past 24 months may not be eligible for this offer. The bonus XXXX miles will be reflected on the billing statement in which you have qualified to earn the bonus. Please allow XXXX weeks for bonus XXXX miles to be deposited into your XXXX Account after the qualifying purchase ( XXXX ) have posted to your XXXX Account. The statement credit will appear at the close of the billing statement after the qualifying purchases post. This is a limited-time offer and may be canceled at any time without notice. } -- -- -- -- - I received the XXXX bonus miles on my statement ending on XX/XX/22. That means I spent {$2000.00} on XXXX Purchases on my statement ending on XX/XX/22. For the {$95.00} statement credit, the terms say - The statement credit will appear at the close of the billing statement after the qualifying purchases post. This means I should also have received the {$95.00} statement credit on the same billing statement ending on XX/XX/22. But I have not received the {$95.00} statement credit. Contacted customer service and they are saying they can't do anything about it. This is a gross violation of the printed terms and conditions that the bank sent to me. Please correct the situation and give me the {$95.00} statement credit immediately as that should have already been posted on my statement on XX/XX/22.
|
| 08/31/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
Older American |
|
In XXXX of XX/XX/XXXX, my close friend XXXX flew on XXXX XXXX from XXXX to XXXX XXXX and back. During the flight, the flight attendants were handing out applications for the XXXX XXXX XXXX XXXX XXXX Mastercard, which offered {$0.00} intro annual card fee for the first year and XXXX bonus miles, if you made a small purchase within 90 days. XXXX took one for himself and one for me ( XXXX ). The flight attendant said this was okay. Once you filled the application out, you could hand it to the flight attendant or mail it in or do the same online. XXXX decided to do it online, but there was no box to enter the promotional code from the application he was handed. The credit card company rejected his application because they claimed they could not verify his identity - even though he had just gone through the security checks at XXXX 's and XXXX XXXX XXXX airports security check points with proof of negative covid tests. His XXXX XXXX Acct. # XXXX.
When I applied, I ran into the same problem online - no promotional box to enter the promo code - they approved my application and sent me a credit card. I made a small {$20.00} purchase with it to get the XXXX miles. Instead of what was offered on the in flight card application, I received no miles and was charged a {$99.00} annual fee. I contacted customer service, explained the problem and gave them the promo code I had. They advised me to go ahead and pay the monthly fee until this was resolved. Several weeks later, I received a letter from them stating that they wouldn't help me with the " Rewards Issue ''. Now, I am stuck with a credit card I do not really need, no XXXX bonus miles and a $ XXXX yearly credit card fee.
|
| 08/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
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This is in reference to a JetBlue Mastercard issued by BarclaycardUS. BarclaycardUS had a tech issue this week. From what I gather there is a glitch in the new card activation process. Because of this I am locked out of my account on both the app and online in addition to not being able to activate my card. Despite repeated attempts for hours on end, NO ONE is answering any of the XXXX XXXX numbers - and I have tried all of them. I just tried again and gave up after 40 minutes - this is at least the 10th time this has happened to me. If you look at the comments on the BarclayCardUS XXXX and XXXX pages you can see I am not alone.
As far as I can see there has been no communication to the US cardholders about any of this. If I can't access my account I can't pay my bill and therefore may be subject to fees, which I will refuse to pay - and that would be fraud anyway. If I cant reach anyone I can not regain my account access. Ive been on hold for hours, and disconnected many times, so calling in to schedule a payment is useless. This is sadly among the worst client experiences I have ever had and a potential media nightmare should this gain visibility. I XXXX XXXX XXXX a few times and received no response. However, the XXXX Barclays twitter responded but they can not help as I am US-based. I have already submitted a complaint to the US XXXX XXXX XXXX. The lack of client focus in the US is quite frankly appalling.
I want simply to have someone remedy my issue so that I can ultimately close the account. But as it stands they are barring me from accessing or closing my account because no one is answering. There is not way to get to any human being at this company.
|
| 04/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
Servicemember |
|
On XX/XX/2023, I contacted Barclay concerning lowering my payment or interest rate for at least 6 months due to financial hardship. I received a call from the corporate office informing me that they do not have any programs available to assist me. I informed the company that I would not be able to continue to pay the full amount due. In XXXXXXXX XXXX, I paid them {$100.00} instead of the {$160.00}. After receiving the XXXX payment, I began receiving calls from Barclays informing me that they now have a program. I asked how long has this program been in assistance and was told that they have always had this program and others. They informed me that my account would be closed if I accepted the program. I requested that they send me the information so that I could read the terms and conditions of the program. I was told that I could not receive the information until I had agreed and paid the initial payment. I called today, XX/XX/2023. I was told by a lady in collections that she was filing a grievance on my behalf because of what I stated in this complaint. We got disconnected before I could receive any complaint details, and I didn't receive a return call. Barclays reported my account 30 days delinquent for {$64.00}. They received a payment last month. However, they are reporting my account as if they did not receive any payment. I can not receive any straight answers from this company. I have always paid my bill every month on time until XX/XX/2023. It is a disservice to customers with excellent payment history, not to receive any assistance when requested, and for the company to lie and state that there are no programs. I wish that I had never gotten this card.
|
| 04/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Barclaycard has refused to resolve nearly {$3000.00} in fraudulent charges on my accounts, from XXXX and XX/XX/2022. These fraudulent charges are the result of Barclays mailing me a package of convenience checks which I did not request. These checks were subsequently stolen from my mailbox as part of an ongoing mail theft issue my neighborhood in XXXX XXXX faces. The perpetrator of the mail theft then wrote the checks to himself, to a name that is clearly not associated with me or my account in any way.
I have spent nearly twenty hours on the phone with the fraud and investigations team at Barclaycard since XXXX when this charge originally occurred. I have made it repeatedly clear that this was fraud, and yet they have concluded that these were " valid transactions, '' leaving me liable to pay my credit card bill or face impacting my credit rating. The reporting and phone assistance process was the most infuriating and painful twenty hours of my life, fraught with hours of hold time, countless representatives who had no idea what they were talking about, reading scripts, and passing me around departments who also could not fix my issue. Ultimately, I am at a total loss, and apparently left with no choice but to pay the credit card bill that consists entirely of the fraudulent charges ( including both the original " convenience checks '' as well as the " balance transfer fees '' and " interest '' charges associated with them ).
Buyer beware - Barclaycard will NOT protect your accounts from fraudulent activity. In fact, they encourage it, by sending " convenience checks '' without any request, which can then be used by anyone to write fake checks to themselves.
|
| 02/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX has an account on my report showing missed payments from a Barclay 's account. I call Barclays and they say they have nothing under my SSN so they can not help. XXXX says Braclay 's is reporting the account as mine but can not tell me how they are confirming this ( THIS is the crux of the issue... how can a reporting company like XXXX ruin a consumers credit with ZERO evidence? ) Barclays is making a mistake but can not figure out how to correct it because no accounts are tied to me or my SSN so they can not look anything up. XXXX says they need a letter from barclays who can not provide a letter because they have no account in my name or under my SSN? So this bogus missed payments account is hurting my score and ability to refinance and there's nothing I can Do?! The credit agencies wield GREAT power yet have zero accountability, have proven to have insufficient security, and put people 's financial lives at risk, and report bogus items to innocent people 's reports which financially harms them, they extort people to pay fees to them ... and they need NO evidence, just a missed keystroke or the word of a desk jockey a half a world away to say a payment is late but they do not require an account number, any type of application verification to prove the person applied or agreed to an account, NOTHING< just the words of a stranger working at a XXXX corporation ... no evidence, no proof, nothing... and then I have no way to argue it because I am guilty until I prove myself innocent which I can not do because nobody have any information for me to verify who this bogus account actually belongs to... but it can stay on my report and harm me?! Makes perfect sense.
|
| 09/07/2015 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
Older American |
|
I am writing to describe unfair and deceptive practices exhibited by Barclaycard and XXXX in their handling of the XXXX XXXX XXXX. My father, XXXX XXXX recently received his renewal notice informing him of the {$89.00} annual fee. See attached. In XXXX, he will be XXXX years old, and no longer wishes to maintain his card. In fact, in XXXX, he lost his card and his account is currently blocked to prevent possible fraud.
The instructions on the letter is to call the XXXX number if he wishes to cancel the card. Because he has difficulty in hearing, I assisted him in calling the number. I explained the situation to the agent who insisted on speaking with my father. Although he could communicate his desire to close the card, ID 'd him by name birthdate and zipcode, that was not sufficient. I told the agent that they could ask me the questions, and I could communicate with him and provide further authentication, but they refused.
I then offered the following suggestions to no avail:1. My Father could write a letter to close the card ( The should have his signature on file to compare ) 2. I could have his signature notarized.
3. I also suggested that since this is a XXXX card product, I could bring him into a XXXX Branch to authenticate his request. ( he has ID ).
They told me the ONLY way to cancel the card is through the phone. And if they can not identify him, they can not cancel his card.
I sincerely believe that Barclaycard is purposely making it difficult to close the account simply to obtain the annual fee. I believe that there are many customers in this situation that are being held hostage, and end up paying the annual fee. Truly a deceptive practice.
|
| 10/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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This is with regards to Barclays XXXX XXXX XXXX. They took over XXXX card in XX/XX/XXXX and notified customers that the previous online account will no longer be active and the new credit card will arrive in the mail by XXXX XX/XX/XXXX. I called Barclays customer care around the XX/XX/XXXX when I had not received the card and was not able to pay my outstanding bill of {$230.00} for purchases made. The customer service agent said the address they had on file was incorrect, an error made by Barclays during the transfer of account information. As a result I was unable to pay the bill on the due date of XX/XX/XXXX. During the call i requested the agent to waive the late payment charges incurred due to Barclays error with the mailing address.
I received the card and made the full payment of {$230.00} on XX/XX/XXXX. I also called customer service again to request the waiver of the late payment charges of {$32.00} as of XX/XX/XXXX. He told me it was waived. I received another bill on XX/XX/XXXX of {$67.00} and I started receiving at least XXXX calls a week asking to pay the over due bill. I called customer service again to explain that the problem and request a waiver. The agent told me that there were no charges showing on my account. I decided to close my account on XX/XX/XXXX with Barclays and deactivate my XXXX card because of this nasty experience. I left a message on the site explaining the unfair charges and my reason for leaving. I received another bill on XX/XX/XXXX with an amount of {$110.00} after my account is closed. I wil not pay this because it has been unfairly charged and is nothing but a greedy and fraudulent technique of getting customers to pay.
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| 09/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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Barclays approved a fraudulent card to be opened in my name. Upon receiving this card, I immediately called and reported fraud. Barclays is continuing to fight me regarding this card, asking for payment, now adding late fees, and will not close and issue a letter of 'closed as fraud and zero balance owed ' like the other company. I have called SEVERAL times ( 20+ times, all in call history ). I have been sent to their Investigations Team 3 times ( supposedly ) with NO follow-up, proper investigation, or call as requested ( each time I'm told a manager would call to discuss within 24-48 hours and they do not ). I'm transferred from department to department. I have issued them the following : 1. Cover letter stating all the reasons for this card to be deemed fraud. 2. List of ways due-diligence was NOT done in investigating my application process, any of the times. 3. City Police - Report of Crime 4. Identity Theft Report - Federal Trade Commission Immediately after getting the card, I hired an Identity Theft Protection agency and my most recent call to Barclay, with my my rep, was on the phone with me for over 2 HOURS and they led us nowhere. They will not do the right thing here. I did not open this card, nor any other accounts they may have. And no one can seem to help when we call.
XX/XX/20 I contacted a friend that is a police investigator and ask for advice. He said to contact the company that the purchases were make. I contacted XXXX. Apparently there were XXXX cards purchased and they verified that I never opened them nor collected the rewards from those ... it shows BARCLAY as the purchaser.
This is FRAUD and I want justice. Please please please help!
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| 10/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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Based on a credit card agreement with Barclays XXXX XXXX credit card I should have received 2 companion tickets for XXXX XXXX for spending more than {$30000.00} between XX/XX/XXXX and XX/XX/XXXX. I emailed Barclays on XX/XX/XXXX inquiring as to when I would receive them. To my knowledge they didn't respond until I received a letter from Barclays dated XX/XX/XXXX stating they couldn't help me. On XX/XX/XXXX I called and reported the issue again and they provided me with an incident number XXXXXXXX stating there was an issue with the website and that it would be corrected. I received another letter dated XX/XX/XXXX stating yet again that they couldn't help me. On XX/XX/XXXX I called and was provided a case number XXXX and was told they were trying to resolve the issue. On XX/XX/XXXX I called and still nothing had changed. On XX/XX/XXXX they called me to say they were working on it. I then receive a 3rd letter dated XX/XX/XXXX they couldn't help me. On XX/XX/XXXX I called them and told them I was going to discontinue using the card ( even though I was well on my way to supposedly receiving 2 more companion tickets ) because I was paying them for a benefit that they were not honoring. I told them on XX/XX/XXXX I would file a complaint with CFPB. On XX/XX/XXXX and on XX/XX/XXXX they called to say they were working on it. Today is XX/XX/XXXX and I have heard nothing else from them. I'm certain if I didn't honor my end of the agreement to pay them for my charges on the card that I would be turned over to a collection agency and my credit destroyed. Thus, you're my only hope at making them honor the original agreement. Happy to answer any additional questions. Thanks.
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| 08/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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On XX/XX/2022 I requested a {$5000.00}. Balance transfer from my BarclayCard credit card to my checking account. On XX/XX/XXXX I received the {$5000.00} requested amount and was charged a {$250.00} transfer fee. On XX/XX/2022, XXXX reported a duplicate {$5000.00} balance transfer and charged me an additional {$250.00} transfer fee - however, this balance transfer was not requested, nor was the {$5000.00} ever received. I contacted BarclayCard on XX/XX/2022, and they admitted this was an error on their part and informed me that the {$5200.00} would be credited back. On XX/XX/2022, I received a refund for the {$250.00} erroneous transfer fee. On XX/XX/2022 I again contacted Barclay Card regarding the {$5000.00} transfer credit that was not requested, nor was it ever received. I was informed that it would be credited back to my account within 10 days. On XX/XX/2022, I had not received the credit so I once again contacted BarclayCard. I was then told that the refund was in process and that I would receive the credit by the end of the month ( XXXX ). On XX/XX/2022 I once again contacted BarclayCard as I had still not received the {$5000.00} credit to my account. I was informed that someone would call me back within 48hrs and that the credit had still not been issued. It is now XX/XX/2022 and I have not heard back from anyone from BarclayCard nor have I received a credit back to my account. This erroneous balance has been and continues to be reported on my credit report and my most recent statement shows this erroneous balance, and my minimum monthly payment required is reflective of this erroneous balance. BarclayCard has refused thus far to correct their mistake.
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| 03/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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In XX/XX/2019 I opened an additional user credit card in my XXXX XXXX XXXX Mastercard for my XXXX year old son. During that time I had set up alerts on my card if transactions were made I would know about them. My son made 7 small transactions with XXXX during the first month he had the card and before the first statement was issued. Whereas I was notified of the charges which were between $ XXXX- {$10.00} Barclays never notified me through alerts that they were applying a {$10.00} Cash Advance Fee to each charge. For example, a XXXX charge was done on XX/XX/XXXX for {$1.00} and Barclays charged a {$10.00} Cash Advance fee without alert. No other credit card treats XXXX transactions as Cash Advances. XXXX XXXX charges 3 % of the total transaction for example. Barclays never notified me they were treating them as Cash Advances in any Agreement or through the alert system I had set up with them. At the end of the month when I received the bill I contacted Barclays and was told under no circumstance despite their deceptive practices they would remove the charges. I spoke to multiple representatives and supervisors who were rude, obnoxious and completely unprofessional. As a result I cancelled my card which I had for years without incident and refused to pay the bill. I'm willing to pay the bill less the {$70.00} in unlawful charges but Barclays has instead now decided to wreck my perfect credit. I'm asking the CFPB to look into the deceptive practices of Barclay 's on cash advances with XXXX and have them remove this information from my credit report. Barclay 's has probably collected millions of dollars from thousands of customers with this deceptive practice.
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| 04/09/2017 |
Yes |
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Web |
Servicemember |
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Opened a credit card account with Barclays Gold Card account. I am in the military and the original terms of the credit card included 0 % interest and waived annual account fee for the duration of my XXXX XXXX service. These terms were confirmed to me over the phone. The original XXXX term letter outlined waived transaction fees and 0 % APR for the duration of my service. The letter did not explicitly mention a waived account fee. I did not notice this since it was explained to me by a phone representative that the fee was waived for the duration of my XXXX XXXX service.
Two weeks ago, I received a notice that the annual fee was no longer waived because it was discovered that I was XXXX XXXX prior to the opening of the account. This is false as Barclays knew my XXXX XXXX start date proceeded the account origination date as evidenced by the attached letters.
The annual fee is {$990.00} which amounts to an insane APR of over 25 % even if I were to carry a balance of {$10000.00} for an entire year.
I feel that the initial offer was duplicitous. I would have never opened this account if it were explained that the account fee waiver was temporary. Barclays advertised it as a permanent waiver and even confirmed this over the phone ; however, their term did not confirm this fact in writing nor did it state that the annual fee waiver was temporary. I made multiple purchases with this card under the impression that I would not be subjected to interest or annual fees - Barclays violated the good faith of this deal, and I 'm my opinion, committed promissory estoppel in doing so because my credit will be affected by closing the account in order to avoid huge fees.
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| 08/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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During our flight on Frontier Airlines in XX/XX/2022 from XXXX XXXXXXXX XXXX to and from XXXX, XXXX ( XX/XX/XXXX going and returning XX/XX/XXXX ) the airline stewardess talked up Frontier 's Mastercard stating that it had great perks ( including a {$100.00} flight credit for your next flight ) and points to use for flights. She also stated how Frontier has great flight options.
We were sold, and as soon as we returned home in XXXX XXXX, we applied for Frontier 's Mastercard. After paying a {$89.00} fee for the card and using the card for XXXX XXXX, we were eligible for all the perks the stewardess had talked about.
So, we used the {$100.00} flight credit to book a flight in late XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX
A few weeks later, Frontier cancelled most of their XX/XX/2022 flights including ours, and all their flights from XXXX XXXX that were scheduled for XXXX! Nearly 2 months of flights cancelled at once! They also don't fly from XXXX XXXX during the winter months.
If we knew that they were going to cancel 2 months of flights this fall from XXXX XXXX where we live, we would not have applied for their card.
I've called Frontier and also Mastercard and asked for a refund of the {$89.00} annual fee since in my opinion the card was presented under false pretenses that the perks of the card could help me with Frontier flights out of our home airport in XXXX XXXX.
Frontier Airlines and Mastercard both told me that they would not refund the {$89.00}. ( Frontier airlines said to call Mastercard and Mastercard said no but that they would look into it but never contacted me back as promised ) Would appreciate a refund of the {$89.00} Thanks XXXX
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| 02/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
Servicemember |
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On XX/XX/19 I went into my online banking system to pay my Barclay 's credit card bill. My card ends in XXXX. I inadvertently picked my husband 's credit card number in the bill pay system. He also had a Barclay 's credit card ending in XXXX, but defaulted on it and the debt was sold to another company. When I realized in XXXX what had happened, I called Barclay 's customer service number. They told me that they did not receive the payment and that I would have to talk to the new company that took my husband 's credit card debt, but that the payment must have been made to them. I have called the new company, XXXX XXXX, and they have no payments to his account. I have called XXXX XXXX multiple times and while they will not provide me with the information, they have told me that the payment was cashed by Barclay 's and not anyone else. They have told me that they can fax the proof of payment to Barclays. However, every time I call the customer service line, they insist they have no payment from me. If I ask for a supervisor, they transfer me to XXXX XXXX. At one point I had a representative who opened a case for me - XXXX - but then I got a letter saying they could not complete my request. I have called multiple times to try to get this resolved, but no one will help me. They just deny they received the payment, however a payment for the amount of {$XXXX} was sent from my XXXX XXXX on-line pay system to Barclay 's on XX/XX/19 and it was cashed by Barclay 's. That is a lot of money for me to just be out. I understand that I made a mistake and picked the wrong account number, but the Barclay 's has the money in their possession and is should be credited to me.
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| 11/28/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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Please do not block the name XXXX XXXX because ultimately, this complaint about Barclaycards involves both parties. On XX/X/17 A payment posted to our credit card for XXXX XXXX Plus Membership totaling {$49.00}. The credit card previously did not have a balance but with this was a {$25.00} late fee that we did not understand either. We immediately called the cc company because we have been trying to break our ties with the timeshare pyramid. For about 15 min I tolerated the representative telling me that there was no way she could reverse the charges and how I would have to get in touch with XXXX and find out why those charges were made. REALLY??? How I would have to submit some form regarding a charge dispute that could take up to 45 days. No Way I 'm not paying and if i didnt, I get late charges and interest and who pays that? You do ma'am. After the second demand to let me speak to a manager I finally spoke to XXXX. She too insisted that she could not refund the money. So I informed her that I was aware of the scam that was running between them and XXXX. It starts from the sales pitch when the strongly encourage you to get the c with Barclaycards to take adv of the reward points to use towards maint. fees. You guys work together and when XXXX cant get money from people that refuse to pay another fee for something they ca n't use you guys provide them a way to get it. Then, just like that my money was refunded, the {$25.00} late fee was waived and the acct was closed like we asked. I then asked for documentation that the fees were reversed and that all of it would be forwarded to the fraud department. There /was no way she could provide any documentation.
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| 12/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
Servicemember |
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On XX/XX/XXXX, I called in to request a payoff statement it was promised that I would receive it within one day However, call back on XX/XX/XXXX several times and stated that it had to be resubmitted and informed the agents that it was very urgent that I received the payoff of {$180.00} to expedite our closing which is this week. I believe that I'm being discriminated against with receiving the document to pay off the account for {$880.00} which was agreed to on the phone. It should not take that long to produce a payoff statement even if an account was written off I believe they are purposely discriminating because they know that we are attempting to close on our mortgage It is another attempt to discriminate against XXXX XXXX and US veterans I have called several times but received no answers and have been missed treated in the process as well as verbally abused because I called in to request the document and expedite the document. XXXX informed the customer relations department that they could not release the document until after 24 to 72 hours If it is an urgent matter, why would The collections department withhold my receiving the payoff settlement document today There are always exceptions to the rule of processing documents It is ruthless and malicious, especially when they were aware I am a XXXX XXXX female is attempting to close on their home. This is a vicious malicious discriminatory, Biased and a form of housing discrimination when you know one is attempting to close on their loan. I have still not received the email regarding the settlement payoff For {$880.00} which was agreed to XX/XX/2021.
If a lawyer had called it would've been released.
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| 06/28/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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I recently acquired the Barclaycard Arrival Plus Mastercard because of the alluring promise that I can earn XXXX miles per dollar spent as well as redeem them for travel purchases at basically XXXX cent per mile rate. The travel credit redemption program states : " Choose any qualifying travel purchase of {$100.00} or more made within the last 120 days to redeem your miles for a travel statement credit. Travel statement credit redemptions start at XXXX miles for {$100.00}. Please note, only qualifying travel transactions made in the last 120 days will display, and you may only redeem against a transaction one time. '' However, it does n't state anywhere in the rewards program description that AFTER the initial {$100.00} threshold has been met, there is a {$25.00} increment in redemption. Meaning that my charge of {$120.00} CAN NOT be redeemed with XXXX miles and instead the maximum I would be allowed to use to redeem is XXXX miles for {$100.00} of the {$120.00} charge. Phone representative admitted that there 's a {$25.00} ( or XXXX mile ) increment after the initial {$100.00} ( XXXX mile ) threshold has been met. He also admitted that this is not clearly stated and as a consumer I feel that I was not able to maximize the rewards that I 've earned because no attempts were EVER made by Barclaycard to disclose the " rule ''. The phone representative XXXX made it very clear that I will never be able to use the entirety of my miles ( XXXX miles at the time of writing this ) because of the unstated rule and I do not think that Barclaycard has been upfront about the rewards program to allow a consumer like myself to make an informed decision about their product.
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| 10/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
Older American |
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This is a follow up complaint to a recent complaint I submitted : XXXX.
In XXXX XXXX 's ( Office of the President ) response, she states that I did not apply for the Barclay 's XXXX XXXX XXXX XXXX XXXX Mastercard " using XXXX ''.
That is a false statement. I did so following the instructions on the application handout the flight attendant provided on an XXXX XXXX flight. On the front of that handout it offers " {$0.00} intro annual fee for the first year {$99.00} ''. On the inside of the handout it states, " Earn XXXX bonus XXXX miles after making your first purchase within the first 90 days ''. Barclay 's opened my XXXX Mastercard on XX/XX/2021, and I made a {$20.00} purchase using it on XX/XX/2021. However, when I applied online, the site switched the terms to " Earn XXXX XXXX bonus miles after making your first purchase in the first 90 days AND PAYING THE ANNUAL FEE IN FULL, BOTH WITHIN THE FIRST 90 DAYS ''. Because I did not pay the annual fee in full within the first 90 days, Ms. XXXX states I am not entitled to the XXXX bonus miles ; however this conflicts with the handout, misrepresenting its offer. This is nothing but a fraudulent bait and switch.
In addition, Ms. XXXX stated in her response to my initial complaint, " As a gesture of goodwill I have added XXXX miles to your account ''. This is an absolute lie.
To preserve my excellent credit rating I have paid the {$99.00} annual fee until this matter is resolved. Lastly, in Ms. XXXX 's response she states : " If you have questions, please call me directly at XXXX ''. I have tried to call her several times. She never answers.
So I was forced to leave a message, which she never called back.
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| 11/12/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I have successfully paid thousands of dollars to my Barclays JetBlue card balance without any issues.
I recently opened a new checking account and added this as a payment method because I have a new job that deposits into this account.
However, I accidentally chose this method of payment instead of my original checking account, and the account was debited and I was hit with insufficient funds and a {$28.00} returned payment fee.
Again, this was the first time this ever happened and it was an accident.
Now, I have made 3 payments of {$250.00}, {$250.00}, and {$500.00} in XXXX. Each one applies but then has a payment hold for more than a week. For instance, I made two payments on XX/XX/XXXX and was told, just now on the phone by Barclays, that they would not be available on my account balance until XX/XX/XXXX.
So, this is a huge problem for me. The only way to get Barclays to release funds earlier is having a three way phone call with my bank to confirm that the transaction successfully debited my account.
I have now had to do this twice and each time it takes me 30+ minutes and I am required to ask for a supervisor.
So, I am either required to wait 8-12 days for my funds OR I am required to place a 30 minute phone call every time I make a payment if I want it to be applied.
I asked Barclays, politely, to stop this practice. Furthermore I confirmed with them that I have only ever had an issue with a payment once and they confirmed.
Again, it was an accident. I was hit with a fee from my bank and from Barclays, and now I feel like I am being discriminated against, financially, with holds placed on my payments because of this one accident.
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| 03/30/2015 |
Yes |
- Money transfers
- Domestic (US) money transfer
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Web |
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I added Barclay 's Bank as an external account to my XXXX Checking Account. I set-up a transfer on XXXX to be delivered on XXXX of {$1000.00} from XXXX to Barclays. On XXXX I called XXXX because I realized Barclays would reject the transfer. The person I spoke to attempted to REVERSE the transfer and somehow deleted Barclays as a transfer option on my XXXX account. On XXXX it appears the {$1000.00} transfer was rejected and returned to XXXX AS EXPECTED. However on XXXX a transfer was made of {$1000.00} - it appears XXXX was trying to pull {$1000.00} from my Barclays account. This {$1000.00} is missing. I have been working with Barclays and XXXX since XXXX and both keep pointing fingers at the other and claiming it is not THEIR problem. I went into a XXXX branch, hoping to get some help, but basically the person I spoke with called the XXXX # and after wasting a lot of time, received the same response I received from XXXX 's XXXX # - which is we do n't know what you are talking about we do n't see the transaction. I 've asked Barclays for reference numbers but they keep giving me XXXX ach tracking number - which coincides with the ACH transaction number XXXX has used to account for the REJECTION of the funds but Barclays claims that is the only tracking number they have. The ACH number Barclays refers to is supposed to be for the TRANSFER but XXXX calls it a return and Barclays says they have no record for the RETURN/REJECTION of funds - just this transfer ACH - which again XXXX calls the rejection number. However my account at Barclays is missing {$1000.00} and in almost a months time neither bank seems to care or take any responsibility for this error.
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| 06/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am extremely dissatisfied with the way billing disputes of Barclays Bank ( XXXX ) handled my situation. On XX/XX/XXXX, I called and had an agent who tried to assist me with billing dispute in regards to goods that were not received. I let them know that I paid for multiple transitions but no product was provided. 5 day later I received 25 letters in mail stating that my cases got denied because of the merchants cancellation policy. I did not need to cancel anything, I was telling the agent that I did not receive custom product. I then ( on XXXX, XXXX ) faxed my supporting letter about the transaction and stating that I did not receive the product. I received 5 letters that 5 cases were resolved in my favor, latest being case # XXXX for {$9.00}. On XX/XX/XXXX received multiple letters dated XX/XX/XXXX for cases XXXX, XXXX, XXXX stating that bank is unable to pursue credit due to REASON UNABLE TO ASSIST. This is very disappointing and dissatisfactory. I do understand that we are in the pandemic and bank is short staffed, but there is has been a zero attempt to help me in this difficult time. The cases have not been properly investigated and no merchants have been contacted to address the situation or no response was received. I would like action to be taken and assist me with all the disputes that have been opened/closed.I feel am being discriminated against and no investigation being done in regards of the services that were not provided by the merchant. Up until today I received very little help from XXXX from Office of the president ( XXXX ext XXXX ) who closed the complaint case, stating that she saw some policy on the website, with no specifics.
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| 09/18/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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This complaint is against the Priceline Rewards Visa Credit Card who is constantly harassing me by making phone calls even in the middle of the night or early morning asking me to pay the credit card balance which do not belong to my transactions.
I was able to use this credit card for a very limited number of times. It was declined most of the time. However, I made the payments and decided not to use it in future since its embarrassing. Now I have been receiving letters from Priceline that the account has been closed, however, I have been still asking to pay the amount of {$280.00} which includes the late fee and interest charges of each month from XXXX to XX/XX/2018. I fail to understand on what transactions the late fee and interest charges have been imposed. Since Im unable to use this card for a long time, I dont have any transactions made on this card or payments that I owe yet I have been constantly harassed by their phone calls and letter. Though I have signed up for Paperless statements but still Priceline Rewards Visa credit card is wasting the paper of the United States.
Id really appreciate if u could resolve this issue by clearing this account.
I have used the card only before 2018 began and the total transactions made were of {$320.00} which include some of the returns as well. Payment was made in full.
As per promise, I was supposed to receive the statement credit of {$100.00} right after making the first purchase but it made me numerous phone calls to receive the statement credit that I owed.
It was a terrible experience and Im seeking your help to resolve this issue and close my account after clearing the balances.
Thank you.
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| 08/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I used my Barclays Jet Blue Credit Card to pay for a flight from XXXX ( XXXX ) to XXXX XXXX ( XXXX ) on for a flight on XX/XX/XXXX at XXXX XXXX. I purchased XXXX tickets for my husband and two children on XX/XX/XXXX in the amount of {$680.00} times XXXX. On the date of travel our airplane was never even at the airport. We were delayed XXXX times and did not take off until around XXXX XXXX. We were not offered any food and kept being told different stories. Due to the significant delay, we had to cancel dinner plans as well as our baseball game. We lost additional money. According to the XXXX website, significant delays can signal a refund particularly if they do not rebook your flight which they told me they couldn't do. So I disputed the charge with the credit company Barclays. Barclays credit card customer service told me in three separate instances that Jet Blue only had XXXX days to respond to my complaint. If not it would be ruled in my favor as they have not responded. So I received XXXX provisional credits on my credit card. Jet Blue did not respond to them for about XXXX weeks and without notice I was once again charged for those XXXX tickets. Barclays has now said that due to their merchant agreement, services were rendered and merchant is due payment. However, I did not get the services that I paid for and feel that if I had used another credit card the company would look out on my behalf. I can not also believe that I was told by three separate employees that Jet Blue only had XXXX days to respond. I did contact Jet Blue before Barclays but they were only giving everyone a {$150.00} hour despite our flight taking off XXXX hours later.
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| 01/10/2016 |
Yes |
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Web |
Older American |
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Around XX/XX/XXXX or XX/XX/XXXX I paid off my Barclay Card for almost {$3000.00}. I called the company to request that they close my account. The agent that I spoke with stated that they would not close the account unless I provide information that I had no access to. I never got a billing statement again from the company. In XX/XX/XXXX I received a phone call from the company stating that I owe {$3300.00} ( appx ) and that I need to make payment. I told the company that the cards were destroyed and that I requested to have the account closed prior and that I was not responsible for the charges. I told them that there must be fraud on the card and was transferred to a fraud agent. The agent told me that he would accept fraud and close the account, and credit everything on my bill. About a hour later the same agent called me back and stated that he was refusing to accept fraud because some of the charges that occurred after I destroyed the cards were at the same merchants that I shopped at prior to requesting the account be closed. I also have accrued about XXXX in late payment and interest charges but was told prior to closing my account that i would never accrue for any reason any late fees or interest charges until XXXX 2016.
I reviewed a billing statement that I had to have a co worker get online ( because the company is refusing to provide me with requested documents ). Upon reviewing them I noticed not only were there several charges that were at merchants that I did not go to, but there were several duplicate charges on the bill. I have printed out the statements and hand wrote notes on them and will include a scanned copy of the statements.
|
| 10/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American, Servicemember |
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Barclays has posted my account as delinquent, damaging my credit, while ignoring my repeated attempts to get them to acknowledge and correct their failure to enter correct information on my account showing I never owed a charge from a merchant which I contested and which the merchant withdrew after I filed a XXXX complaint against them.
There were two improper charges of {$52.00} made by the merchant, and Barclay sent me notifications on XX/XX/2023 ( Case ending in XXXX ) that I had a provisional credit for the first {$52.00} dispute and another a notification that I had a provisional credit for the second disputed charge of {$52.00} on XX/XX/2023 ( Case ending in XXXX ).
However, the second charge continued to appear on my subsequent monthly bills despite my telephonic requests and written requests ( my letters to Barclay XX/XX/XXXX and XX/XX/2023.
This continued even after the merchant advised me in the XXXX complaint that the charges had been withdrawn.
Telephone calls to Barclays were inconclusive since none of their representatives was able to speak XXXX without such a heavy accent as to make them unintelligible.
Barclays has never responded to my letters or given me the results of the " investigation '' the supposedly conducted into the bogus charges of the merchant which were subsequently withdrawn by the merchant who made them.
Instead, they have continued to seek payment for a charge they were reimbursed for as well as charging me interest and fees on a dispute which was resolved in my favor.
I would be happy to provide copies of the referenced documents but the CFPB upload restrcts uploads to 10MB and they all exceed the limit.
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| 02/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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|
Web |
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I have one line of credit, a Barclay 's credit card since XXXX. I spend {$1000.00} or more a month and always pay my monthly balance. My credit score in the past has always been high. In XX/XX/XXXX I disputed a transaction. Barclay 's told me several times at the time of the dispute and recently the dispute would not affect my credit score. There seems to be no end in sight in resolving the dispute, as it has been 3 months with no update.
Recently I ran into car problems and found myself needing a new car. Thinking my credit was good, I went to the dealer and was shocked to find out I have no credit score or no history to score on when a report was ran. I then went to 2 other banks, went through the process of getting an auto loan, and was told the same thing. I ran a report on XXXX myself, and I have no score. There is a comment on the report for my Barclay 's credit card that says " account in dispute '' and " no transaction history ''. I spend about $ XXXX {$20000.00} a year on my credit card and this is completely false. This has caused me much hardship and forced me to get a loan at a higher interest rate. I'm also looking to become a first time home owner and I have ZERO faith that my Barclay 's credit card will do anything to help my credit. I have tried to call all the available Barclay 's departments I can reach from and was told to write a letter to the Barclays FCRA Credit Bureau Dispute. The department I wrote to does not answer phone calls and only accepts letters. The Barclay 's department I spoke to on the phone can only confirm that Barclay 's does report my credit score, but could not confirm if it was being reported properly.
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| 10/16/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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|
Web |
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I opened my credit card account in XX/XX/XXXX with XXXX XXXX XXXX aka XXXX XXXX XXXX, XXXX. The current promotion at that time was sign up for a credit and receive XXXX XXXX miles to use at a later date. When I received my welcoming information regarding this credit card additional details stated that there was an annual {$69.00} fee as well as an introductory APR of 0 % for one year. I was not interested in the annual fee and called customer service on XX/XX/XXXX with Rep XXXX ID XXXX to see what options I had. Per the representative XXXX, I could downgrade to a no annual fee card and still receive the promotional offers from the card I applied for. The only change was that I will not accrue miles at the same rate. I arrived home today to find a statement. Because I bank online I rarely ever open my statements. This time I was curious and opened the statement. I first realized that I was being charged APR which is not what I signed up for. So I called customer service and spoke with Rep XXXX who explained to me that the 0 % APR introductory offer was only for balances transferred to this account for 15 months. I was beyond appalled with this new information that I further asked about the XXXX miles with XXXX XXXX. I was now updated again, against what I signed up for, that my miles were taken from me when the account was changed to a non-annual fee card. I have filed a complaint with customer service under Case XXXX with manager XXXX Rep ID XXXX. I will continue to follow the updates of this case. I will be paying this card off and no longer using it because of misrepresentation of the promotional offers. Please look further into this concern.
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| 03/14/2017 |
Yes |
|
- Credit line increase/decrease
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|
Web |
Servicemember |
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I am a XXXX veteran, I do n't expect any special treatment for that but I want to let both you and anyone else know who may have a Barclaycard account or may be considering it just how they are. I have attached a history sheet with my own personal encounters with this company and I hope you provide some way to download it. Long story short I have been with this company since XX/XX/XXXX I started out with a XXXX credit line it was increased in XX/XX/XXXX to XXXX this only lasted 9 short months at which time in XX/XX/XXXX this line of credit was decreased after the card was paid in full to XXXX this affected my credit score they could not provide me with any reasonable for this action from the period XX/XX/XXXX thru XX/XX/XXXX they received a total of XXXX in payments from me. Again in XX/XX/XXXX the credit line was reduced now to XXXX and again after talking with them they were not able to provide me with a logical explination. This action again affected my credit score. They referred to XXXX Report as to their reasons my report reflects a XXXX score with XXXX accounts all on time payments and XXXX of them are paid in full.??? also my min payment due this month was XXXX they received a XXXX payment processed thru my bank on XXXX as instructed by me this is within their billing cycle but they are still insisting that the minimum payment is still due so this is not the first time this has occurred either can you see a pattern I can. These people should not be able to operate this way and get away with it if myself and my fellow veterans acted this way XXXX. I do n't know if you can do anything but I can hope you get a better resouloution than I did
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| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
|
This is regarding CFPB complaint XXXX. Due to be Barclay 's negligence and incorrect reporting in accordance with FCRA regulations, I have moved forward with getting an attorney to sue your company. Your response to the aforementioned complaint was that you sold the account and then repurchased it due to it being out of the statute of limitations according to the third-party vendor. The complaint in itself was to make you aware that it was obvious that this debt is uncollectible due to the statute of limitations, and you still have a balance of {$1100.00} reporting on a closed account that has been uncollectible since XXXX. In your complaint you stated that in XXXX, the account was recalled. Even still, the statute of limitations is 4 years in the state of Texas, and you are still reporting inaccurate data and trying to collect this alleged debt. This complaint is to make your XXXX aware that I will be seeking litigation due to your clear and obvious gross misconduct. Furthermore, there was never notice sent to me years ago that this account was being sold. I never received a 1099c form which is illegal, and I was informed be the IRS to file form 3949a for illegal tax violations. The following account XXXX should be removed from my credit report IMMEDIATELY. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617 and I will be moving forward with the filing of form XXXX as advised.
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| 02/10/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
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In XX/XX/XXXX, I received a promotional offer from XXXX XXXX XXXX for my credit card account, offering me 0 % interest and 0 % transfer fee for any purchase using the promotional checks sent to me in the offer packet.
On XX/XX/XXXX, I used a promotional check written for a total of {$6200.00}.
Since then, I have contacted XXXX numerous times via their messaging application on my account to ask why I am being charged two interest charges each month on my statement.
One entry shows interest on purchases, and the second entry shows interest on cash advances. The cash advance interest is always {$10.00}.
The promotion check I used did not specify that it would be categorized as a cash advance.
In my XXXX message to XXXX, I explained that I need a comprehensive explanation for the fees, and that I am considering filing a complaint with CFPB.
I received a call on Sunday morning, XXXX, from XXXX, saying they had made a mistake in printing the promotional checks and that I would be refunded the {$3.00} transfer fee, but no interest would be refunded to me.
I used the promotional check because the offer stated that I would have 0 % interest for 12 months.
Since then, I have paid off the balance of both the promotional check and the purchases, but I am unhappy that the promotional check was charged interest as a cash advance when the offer stated the promotional checks would would be interest free for one year.
XXXX claims they have corrected their error by refunding to me the {$3.00} transfer fee.
I would like all the interest I paid on the promotional check/ '' cash advance '' refunded to me, which totals {$250.00}, or {$10.00} for 24 months.
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| 03/03/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Older American, Servicemember |
|
I HAVE BEEN XXXX WEEK OR TWO CELEBRATING WITH MY PARENTS AND SISTERS ON XXXX FOR YEARS. I HAD A XXXX AIRLINES MILEAGE ACCOUNT FOR A FEW YEARS. THEN ON ONE FLIGHT I WAS OFFERED MANY MILES TO OPEN A XXXX XXXX ELITE CARD, SO I DID BEFORE LANDING.
UNFORTUNATELY, THE TWO XXXX AIRLINES MILEAGE ACCOUNTS ARE IN 2 VERSIONS OF MY NAME AND NEITHER XXXX AIRLINES NOR BARCLAYS BANK WILL FIX IT. PLUS THEY SAY MY ACCOUNT IS " INCOMPLETE '' WITH 2 MILEAGE ACCOUNTS AND THUS I AM UNABLE TO USE ANY OF THE ACCUMULATED MILES! I HAVE TRIED FOR 3 YEARS TO GET THESE XXXX XXXX MILEAGE ACCOUNTS, ONE WITH BARCLAYS BANK, MERGED WITH ZERO SUCCESS, THO I HAVE DONE EVERYTHING THEY TOLD ME TO DO FROM FAX AN OFFICE NOT RECEIVING FAXES, TO EMAIL AN OFFICE NOT ANSWERING EMAILS TO CALLING VARIOUS PEOPLE WHO CAN NOT FIX THIS SIMPLE PROBLEM.
THIS LAST XXXX WEEK ON XXXX AT XXXX XXXX ( THEY HAVE A GREAT WEBCAM IF YOU NEED A CHEER ) XXXX XXXX XXXX, I TRIED FOR A COUPLE HOURS FOR 2 DAYS AND GOT THE RUN AROUND, EVEN INVOLVING THE RESORT DESK CLERK FOR AN HOUR ON SENDING FAXES THAT WOULD NOT BE RECEIVED!
MY BARCLAYS CREDIT CARD IS FOR " XXXX XXXX XXXX '', XXXX XXXX XXXX XXXX.
AND TO TOP IT OFF, BARCLAYS ANSWERS THE NUMBER ON THE BACK OF THE XXXX AIRLINES MILEAGE CREDIT CARD AS " XXXX AIRLINES ''! OUTRIGHT XXXX.
EACH XXXX I AM OFFERED AN UPGRADE TO FIRST CLASS SEATING FOR XXXX MILES, OR OVER {$400.00}. I CAN NOT USE MY MILES AND THIS LAST XXXX THE COACH TICKET WAS OVER {$1100.00}. I FEEL XXXX AND XXXX IN CAHOOTS OWE ME FIRST CLASS SEATING FOR MY NEXT ONCE A YEAR TRIP, AT XXXX MILES, WITHOUT HASSLE.
THEIR MAINTAINING OF 2 ACCOUNTS IS TOTALLY THEIR FAULT AND RESPONSIBILITY AND XXXX!
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| 04/24/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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Barclay Bank Delaware filed a lawsuit against me in the Civil Court of Ne w Jersey ( without any notice to me ) that I owe them a debt in the amount of {$2600.00}. Furthermore, after reviewing additional documents from the court it shows Barclay Bank Delaware requested {$2900.00} to be levy ; which does not make any sense. I was unware of this debt and have had no knowledge of this debt until my bank account was levy on XXXX XXXX XXXX ; I have contacted the law firm Barclay ban k hired to VALIDATIE t he debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA however they refused to valid ate because they received judgment from court because I was not present to dispute the debt. Furthermore, after reviewing all the court records and no records from plain tiff ( Barclay ) attorney it shows that no one has any proof that I was ever properly served to appear in court to dispute the debt. On XXXX XXXX XXXX , I filed a motion with the Civil Court Ne w Jersey to vacate the judgement. The motion was granted and all party was notified to appear in court on XXXX XXXX XXXX ; however, no party from Barclay attended the hearing to validate their claim, therefore judge released most of the fund from levy to the defenda nt ( I/Me ) and advised I settle the claim with Barclay and or file new motion/complaint to verify the debt.
Thus, It is imperative that Barclay Bank Delaware contact me thus we can resolve this matter. I will not hesitate bringing in separate civil complaint legal action against Barclay Bank Delaware for Violation of the Fair Debt Collection Practices Act and Defamation of Character.
|
| 05/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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I paid the {$10.00} balance in full through XXXX online banking on XX/XX/2021. The funds were taken from my account. After several phone calls to Barclays and to XXXX it was determined that XXXX made a mistake in their coding. On XXXX I had a 3 way conversation between, Barclays, me and XXXX. Barclays told XXXX to send the supporting documents to them. On XXXX RBFCU sent the documents ( attached ). Barclays then sends me a letter on XXXX ( attached ) about a missing payment of {$1000.00} which has NOTHING to do with the issue at hand. Never was there any mention during any conversations or documents that there was a missed payment in the amount {$1000.00}, it was {$10.00}. Obviously they are not reviewing the phone notes or mailed documents. On XXXX I receive a letter from Barclay 's stating they can not take the 3rd party documents that XXXX sent to them, ( letter attached ). XXXX was told on the 3 way call to mail Barclays the documents ; getting the letter from Barclays stating they could not accept the documents just goes to show how inept they are, it is so irritating. I then called Barclays and asked for a supervisor 's supervisor to review the file, and to do a thorough review before calling me. I was told a supervisor would call me back, it's been weeks and I have yet to receive a call, but I did receive another statement with another late fee. The {$10.00} was NEVER credited back to my bank account or credit card account. There is an out of balance AR ledger for {$10.00} at Barclays or someone else 's account was credited using my funds. They have my cash, but no credit to my bank account or credit card account. I'm feed up with them.
|
| 03/12/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
I received a notice in XXXX from XXXX XXXX raising my credit limit ( letter dated XX/XX/2018 XXXX on their cc along with receiving a bill from them. I also received cc denial letters from XXXX ( letter dated XXXX XXXX ) and XXXX XXXX ( letter dated XX/XX/2018 ) which I never applied for either ( I applied for NO new credit cards ). I immediately called all of the cc companies that I received letters from and the only cc that I had a balance on was the XXXX. I talked to XXXX and told them that I never opened a cc with them and they said they would look into it. I received a letter from them dated XX/XX/2018 stating that the investigation has been completed and that their research shows the account is valid and that I am responsible for {$2700.00}. After receiving this letter I immediately went to the police department and filed a police report. The XXXX learned that a cc was obtained online in my name and XXXX products were purchased XX/XX/2018 online and picked up at an XXXX store XX/XX/2018 with someone using a fake ID with my name on it. Apparently since someone picked up the products in the store XXXX is assuming it was me, which it was not. I have also written letters to the 3 credit reporting agencies ( sent on XX/XX/2018 XXXX along with notifying the FTC. What I have learned from talking to different people at XXXX is that the maiden name used to open the card is not my mothers maiden name and that the phone number used to obtain the card is an old land line/house phone that I had approximately 15 years ago. I have made an apportionment to talk to a lawyer tomorrow regarding everything barbecue I can't seem to get anywhere any other way.
|
| 01/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I recently disputed a charge posted on my account dated XX/XX/XXXX, totaling {$210.00}. XXXX originally flagged a transaction for XXXX XXXX totaling {$170.00}, located in California ( I reside in Texas ). Upon reviewing my account, I noted a charge for {$210.00} to XXXX XXXX XXXX XXXX was not recognized. Barclays noted the tickets at XXXX XXXX XXXX had been used and would not provide charge back the money despite it being fraud.
On XX/XX/XXXX, I reached out to XXXX. They were able to provide me information on the business and the email address used. The business was XXXX XXXX XXXX, located in California. The email address used was XXXX. Upon receiving this information, I reached out to XXXX XXXX who stated they thought the transaction was fraud.
Further research showed the email address used to purchase the ticket does not have an active domain. Additionally, XXXX XXXX is XXXX minutes from the fraud in California that Barclays acknowledged was fraud. On XX/XX/XXXX, I was seeing a movie in Texas.
On XX/XX/XXXX, I faxed Barclays a copy of all of the information I had compiled. This included the emails from XXXX, the acknowledgement of fraud from XXXX XXXX, the red-flags concerning the email address, and the close proximity of the disputed transaction to the fraud at XXXX XXXX 's. Additionally, my XXXX credit card statements showing I was in Texas at a movie theater on XX/XX/XXXX.
Despite sending the fax at my own expense and calling them, I have not received any updates. Barclays has stated I will need to call in periodically. They do not seem to be able to reach out and I find it frustrating I had to call in to confirm they got my fax.
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| 12/05/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
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On XX/XX/2023, I received a correspondence from Barclays offering balance transfer checks My balance on that date was {$0.00}, that is, I owed nothing to Barclays and therefore had an available credit of {$6200.00}.
I then used check number XXXX and filled out the amount of {$5000.00} to use to pay other cards. This check was written in the name of my husband, and deposited into his XXXX XXXX account on XX/XX/2023.
On XX/XX/2023, my husband received a letter from XXXX XXXX, informing him that the check had returned due to insufficient funds.
I called Barclays and explained what had happened and an attendant informed me that he wanted to check what was happening, as my balance was {$5200.00} : {$5000.00} balance transfer, {$250.00} fees and {$26.00} returned check fee.
After a few more days, I received a statement from Barclays confirming these values.
I contacted Barclays again and the attendants were unable to tell me what was happening.
Several explanations were given and no solution was taken.
I have already made more than 15 calls to Barclays, spending more than 15 hours in total with no solution.
I have marked the name, time and date of several calls and also recorded the audios.
On XX/XX/2023, I had to pay the minimum amount of {$52.00} from my account to avoid damaging my credit and so far I have not had a solution to the problem.
In XXXX I payed another {$62.00} and XXXX I payed {$52.00} to maintain my account in good standing.
I did not use the amount of {$5000.00} because the check was not paid due to insufficient funds and I have a debt of {$5200.00} with Barclays that does not exist.
I ask for an urgent solution.
|
| 10/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Numerous times I've had to call Barclaycard because their automated pay system had issues and did not properly bill us. In one instance it billed on the XXXX when the payment was due on the XXXX, Barclay marked this as 30 days late, even though they took the payment, as they apply all payments after the due date to the next payment cycle. This causes issue with customers and the support staff as the custom is typically unaware of this until it shows up on their credit report. There are no notifications otherwise. Their support staff is not very knowledgable on some of their practices so when I called in XX/XX/XXXX and stated that I started a new job, while asking if it was ok to pay on the XXXX, they told me that it was ok. It was not OK though as they reported me 30 days late again. This business practice is not right. If someone is 5 minutes late then they should not be punished for years on their credit report ( Yes, they told me that a minute past 7 on the XXXX would result in a 30 day hit to my credit ). I have disputed the reports numerous times and only twice have they fixed it. Yes, twice because I've had to deal with them on multiple occasions. They've also falsely reported on my credit other times without fixing it. This was in XX/XX/XXXX and XX/XX/XXXX. Note : They fixed the one in JXX/XX/XXXX, but did not fix the billing so the XX/XX/XXXX statement will show it kept carrying over to other months.
I would suggest no one ever do business with this company because they will make your life an endless nightmare if anything happens that sets you back. You can take responsibility and try to make things right, but they will not.
|
| 11/15/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
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Over the summer I was 90 days behind with Barclay Card. I paid the full minimum due to bring the account current. A month later I decided to enroll in a third party non-profit debt counseling program. I was rejected. It took my a dozen phone calls to find out why I was rejected. I was then told there were no financial assistance options available to me. SEVERAL agents told me I had to go delinquent again in order to have any offers.
This is an unfair business practice to disadvantage the average consumer. How dare you tell a client to not pay you for a while and then I'll give you an offer.
I am now 90 days late and have been offered a 75 % off. I told them I would only take that offer if they would put in writing they would remove the late payments as I was told to go delinquent. They will not work with me. I left a voicemail for the Barclay 's Card office of the President at XXXX because no one answered the phone when I called.
I spoke to the general customer service line and I was told the offers are computer generated. The system analytics take in to account when the account was opened, how long it was open, the balance, usage, etc. Isn't that interesting? Other companies will take offers and will remove late payments on the credit reports. As a reminder of the Fair Credit Reporting Act ( FCRA ) the creditors create and control the data and push it to the credit bureaus -- -the CRAs just hold the data and do as you say, when permissible, under the FCRA as applicable.
Note I do have telephone audio recordings available, though I have not removed PII from the recordings. However, data is cheap I'm sure you have all my calls??
|
| 08/27/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
Servicemember |
|
I had a credit card account with Baclays Bank for an XXXX card for the credit card line amount of {$3000.00}. As of XX/XX/2018 I decided to pay the entire balance in full. After making this payment in full prior to the billing cycle close and there was a XXXX balance. I was charged {$63.00} interest on a XXXX balance after the billing cycle closed. I called customer service to complain about the balance and have it removed due to it being an error. The customer service did not agree and would not remove the error. I demanded to speak with a manager. The manager had the {$63.00} balance credited. However, as retaliation she had my account sent to be reviewed for having a high balance on my credit card account. Mind you the balance was {$0.00} at this time. Nor had my account ever been triggered before this incident for a High credit balance. I called Monday XX/XX/2018 because I received a credit alert that my credit limit had been lowered to {$500.00}. I called to be given an explanation why. The manager XXXX informed me it was due to high credit card limit activity. Even though at this time the balance was {$0.00}. I informed XXXX I feel I have been discriminated against in their banking practices. I asked XXXX what is their protocol if I wanted to file a formal discrimination complaint. XXXX stated there was only an internal investigation that will be held. At the conclusion of this investigation of what the findings were the customer would not be contacted. At this time I feel I was discriminated against and retaliated against due to me complaining that the Bank was attempting to charge me interest on a {$0.00} credit card balance.
|
| 08/30/2016 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
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Over a year ago, I signed up for, paid the annual fee for, and canceled, an XXXX XXXX credit card through Barclays bank. When I canceled it, it had a balance of XXXX, and was assured that by the representative at Barclays when I called to cancel. Then recently, I get an email from Barclays about an XXXX XXXX Red MasterCard that had a balance of about {$210.00}. I never signed up for this card.
At first I thought that I automatically enrolled in the card because of my previous XXXX XXXX card. But even if that is true, I never activated ( or was sent ) the Red card. And besides, I had canceled and closed that account. This account should never have been active.
Anyway, I call Barclays last week about this supposed balance, and they told me that there was an annual fee that they charged that card in XXXX, and the other fees in the account where late charges for missing the annual fee payment.
In other words, Barclays was charging a XXXX annual fee to an account that has been canceled and closed, then charging late fees on top of that. It is also concerning that this card opened up under my name automatically, and that I never had to activate the Red card, and that it opened up automatically in a canceled and closed account.
I called Barclays and they said they XXXX the account, although, a week later, I am still getting emails that my account is past due, which is part of the reason for this complaint. The second, and main reason I am filing the complaint is because I am quite concerned about the damage this has done to my credit score. I would like Barclays to remedy my credit score for the improper negative balance and late fees.
|
| 02/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
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My wife 's credit card with Barclays, for which I am an authorized user, was closed on XX/XX/2020 with no prior notice. She did not have a balance on the card and it was closed for non-usage. Once she became aware of the closure, less than a week later, my wife and I immediately contacted Barclays where they informed us that it could not be reopened and suggested that she reapply. Barclays stated that one notice was sent informing us of the upcoming card closure, a notice we did not receive. The unreceived notice should not come as a surprise because of the current pandemic, it was at the height of the holiday season coupled with known issues with USPS. Simply reapplying would not be sufficient because my wife loses all the positive history she has built on her credit reports when they hastily closed the card and that can not be regained on a new card. I attempted to contact upper management with limited success via email. I sent emails to XXXX XXXX and XXXX XXXX with Barclays. I received a response from the Office of the President at Barclays who was overseen by XXXX XXXX. The response indicated that further correspondence would continue through XXXX, which provides mediation software. The email that I used was not compatible for XXXX so I reached out to Ms. XXXX to see if the resolution could simply be sent to another email address of mine. Ms. XXXX and no one else at their XXXX, Delaware location never replied to my emails after that moment. My wife and I still simply wish to have the card reopened with her continued history. If she had not been a minority and other protected classes I severely doubt her card would have been closed.
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| 10/29/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
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I kept receiving balance transfer checks from XXXXXXXX XXXX. I finally use one to pay off Barclay Frontier Master card. I didn't realize my limit on XXXX was {$1800.00}. I wrote a check for {$1800.00}. Barclay tried to submitted check twice. I was charges a {$27.00} NSF fee. I called Barclay to explain the situation and went online to change the amount to be taken from my checking account from {$1800.00} to {$490.00} because XXXX XXXX did a balance transfer over the phone. So I get a text from XXXX that my account is overdrawn making my balance XXXX. When I went online to change the amount. I didn't even owe on the account to Barclay. So they took out the {$490.00} and {$1800.00} and they will receive another {$1700.00} from XXXXXXXX XXXX. They will not refund the NSF fee of {$27.00} and now they have been over paid on my Barclay amount. I know it is my stupidity to use credit and balance checks but Barclay has been over paid. i have excellent credit.
I also want to make a complaint to XXXXXXXX XXXX as well for sending me balance transfer checks to make sure use them. They will not reverse the transfer even though I told them Barclay XXXX out my account and their balance is paid in full. the supervisor I was talking to hang up on me and when I called back to ask for her name XXXX would not give it to me. I am so frustrated on the system. I was just being a smart customer to pay off my debt but I am being penalized for using credit card. I know there is nothing that will be done because you will say I am just a XXXX person for using credit cards and transfer balances. I don't think it is right on how I was treated by Barclay and XXXX.
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| 06/02/2015 |
Yes |
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Web |
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I took a Balance Transfer in the amount of {$15000.00} on XXXX/XXXX/2015 on my Barclay UPROMISE by Sallie Mae Mastercard. The starting balance before the transfer was {$0.00}.
The minimum payment each month was between $ XXXX {$150.00}. In the following month ( XXXX/XXXX/2015 ), I made a merchandise payment of XXXX It is my understanding that under the " CARD ACT '' any payments that I make should first get applied to my highest APR component of balance. Unfortunately, it does n't seem like Barclay is complying with this rule and is continuing to charge me interest on that XXXX I made the following XXXX payments after the merchandise purchase XX/XX/XXXX:XX/XX/2015 $ XXXXXX/XX/2015 $ XXXXXX/XX/2015 $ XXXXAnyone of these payments should have covered the XXXX merchandise with a non-zero APR. But Barclay continues to charge me interest on that XXXX purchase.
I have spoken to XXXX different agents including a supervisor, and I got XXXX different answers. The supervisor stated that they have the right to allocate the minimum payment any which way they want. Only payments above the minimum payment will be allocated to the highest interest rate first. Under this theory, if I had made a payment of $ XXXX $ XXXX {$230.00} then there would have been no finance charges. But their statement has a paragraph that says I had to pay over {$380.00} to avoid interest!!! That 's deceitful!
Their statement is confusing and makes no sense. It should have told me the right dollar amount to pay in order to avoid interest. I could have paid the $ XXXXI just want to know what is the correct $ $ to pay to avoid interest and no one seems to know at Barcalys!!!
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| 04/09/2017 |
Yes |
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Web |
Servicemember |
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Opened a credit card account with Barclays Gold Card account. I am in the XXXX and the original terms of the credit card included 0 % interest and waived annual account fee for the duration of my XXXX service. These terms were confirmed to me over the phone. The original XXXX term letter outlined waived transaction fees and 0 % APR for the duration of my service. The letter did not explicitly mention a waived account fee. I did not notice this since it was explained to me by a phone representative that the fee was waived for the duration of my XXXX service.
Two weeks ago, I received a notice that the annual fee was no longer waived because it was discovered that I was XXXX prior to the opening of the account. This is false as Barclays knew my XXXX start date proceeded the account origination date as evidenced by the attached letters.
The annual fee is {$990.00} which amounts to an insane APR of over 25 % even if I were to carry a balance of {$10000.00} for an entire year.
I feel that the initial offer was duplicitous. I would have never opened this account if it were explained that the account fee waiver was temporary. Barclays advertised it as a permanent waiver and even confirmed this over the phone ; however, their term did not confirm this fact in writing nor did it state that the annual fee waiver was temporary. I made multiple purchases with this card under the impression that I would not be subjected to interest or annual fees - Barclays violated the good faith of this deal, and I 'm my opinion, committed promissory estoppel in doing so because my credit will be affected by closing the account in order to avoid huge fees.
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| 12/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I contacted Barclays at XXXX XXXX XXXX, XXXX DE XXXX in ref to account ending in XXXX to resolve an error of late payment that was reported to credit bureau as well as intentional misinformation by their customer service which is documented in my initial letter ( and in barclays system, phone call is recorded ). The nature of error is that the credit card account number had changed associated with incorrect contact information. There was inappropriate minimal charge from a recurrent charge from previous card account number that should not have carried over and I was not notified of said balance and only learned of this by looking at my credit report. I contacted customer service in which their floor supervisor agreed with the nature of above explanation as to how mistake occurred clearly informed me that Barclays does not have the ability to correct this mistake which is false to facts. I then proceeded to contact barclays directly ( I addressed one letter to the president of bank ( which was given to me by supervisor spoke with exactly ) which was returned to sender however opened ) and they disrespected my concerns ( they did not do any investigation or reported of such - in their responding correspondence as attached ) blatantly and proceeded to close my account without notice. This behavior I suspect is quite unethical and possibly illegal. I would wish to be able to resolve this and remove their injurious effects to my credit standing.
This level of injustice is not acceptable and I am willing to expend effort to contact editors at XXXX, XXXX, XXXX to report this unethical business conduct so that other consumer may be aware.
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| 11/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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I recently received a credit card from XXXX XXXX on XX/XX/17. The new credit card came with a notice stating that I was entitled " Under federal law ... the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact : XXXX. '' It gave three options for contacting XXXX, including " On the web : XXXX XXXX ''. I proceeded immediately to the website to get a copy of my credit report. It asked for some details and I proceeded, never giving any indication that this was a subscription product or that I would be charged for this transaction. XXXX billed me {$21.00}. I called XXXX customer service immediately upon discovering the charge and informed the Customer Service Representative that I was trying to obtain a copy of my credit report, as indicated on the notice from XXXX XXXX, without charge under federal law. She stated that no such option existed on XXXX, and that I needed to go to XXXX. I reiterated again that the notice from XXXX XXXX said to go to XXXX. I ensured the subscription was cancelled.
I then called XXXX XXXX, as the CSR from XXXX was rude and unhelpful. The CSR for XXXX XXXX politely advised that there were no options for me to pursue with XXXX XXXX until the charge posts fully to the account. As of now, it is still a pending charge.
Clearly, between XXXX XXXX 's notice and XXXX 's apparent attempt to fraud customers into buying a subscription for those looking to obtain the credit report they are legally entitled to receive free of charge, there is a lack of fairness and transparency on behalf of one or both companies. Please assist, CFPB.
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| 11/23/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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On XX/XX/XXXX, I bought a computer under deferred interest, that will expire on XXXX XXXX, XXXX.
On XXXX. XXXX, XXXX, I called customer service to pay off that computer under deferred interest before the due date as I don't want to end up paying for the interest charge.
When I talked to the service representative, I specifically said that I want to pay off my balance for the computer, he said okay, he took my payment information, and after it was processed, he said he got it taken care of. At the end of our conversation, I asked, " so I don't owe anything for my computer right? '' He said, yes you don't owe anything on your computer anymore.
Today, ( XX/XX/XXXX ) I found out that I got charged an interest for that computer that all along I thought I paid off in XXXX. XXXX. When I talked to the service representative, she explained to me that the money I paid that time was allocated to the other purchases I had which accruing interest, and not for my computer!
As she explained to me, I learned that I can not use my card after using it for buying a product on deferred interest.
My point is, I know that I should've read the policy about deferred interest, but that customer service rep that I called to pay off my balance for the computer NEVER TOLD ME THAT THEY ARE GOING TO ALLOCATE MY PAYMENT FOR THE OTHER PURCHASES I HAD, AND NOT FOR THE COMPUTER!
So, all along I was thinking that I paid off my computer and I don't have to worry about it, until today when I saw that interest charge on my account.
They should train their employees to explain clearly to the consumer what is going on so we avoid such things that is so frustrating!
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| 03/11/2016 |
Yes |
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Web |
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My credit card balance was overpaid in the amount of XXXX. When I asked them to go ahead and credit back to me electronically, via the same means that they received the funds from me, they told me that was not possible. My credit card amount due was at a balance of {$0.00} at the time that they took the payment from my account. I need the money back promptly as I understand is within my rights, as stated below : " Other billing rights Businesses that offer " open end '' credit also must : give you a written notice when you open a new account - and at certain other times - that describes your right to dispute billing errors ; provide a statement for each billing period in which you owe - or they owe you - more than XXXX dollar ; send your bill at least 14 days before the payment is due - if you have a period within which to pay the bill without incurring additional charges ; credit all payments to your account on the date they 're received, unless no extra charges would result if they failed to do so. Creditors are permitted to set some reasonable rules for making payments, say setting a reasonable deadline for payment to be received to be credited on the same date ; and promptly credit or refund overpayments and other amounts owed to your account. This applies to instances where your account is owed more than XXXX dollar. Your account must be credited promptly with the amount owed. If you prefer a refund, it must be sent within seven business days after the creditor receives your written request. The creditor must also make a good faith effort to refund a credit balance that has remained on your account for more than six months. ''
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| 10/27/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I received a barclay statement on XX/XX/21. There was a charge for {$12.00} on XX/XX/21. I called barclay that same day on XXXX ( the number on the statement ). I was transferred to a relationship specialist and was asked for my password. I told them I didn't know. They said there was nothing they could do despite me telling them someone was using my card. I asked to speak with the manager. I was transferred to the manager who said she couldn't access my account because I didn't know my password. She said she would transfer me to security. I was on hold for roughly 50 minutes. I found another number on the back of my card XXXX. I called and spoke to a relationship specialist. I gave them an old password to see if that was a possibility as I do not remember my verbal password. They said it was not. I explained the situation of how I don't know the password and someone was using my card. I was put on hold for roughly 20 minutes and then the phone hung up on me. I called the XXXX number again. I again explained the situation and she said she would stay on the phone with me while I was waiting for the security department. I waited roughly 70 minutes and hung up because no one was answering the phone. I called the XXXX again and tried two other passwords ( one of which is my online password. I do have access to my online account ).. Neither password was correct. They said they were going to transfer me to security. I told them I want to place a complaint. She said she would stay on the phone with me until I was connected to the complaint department. Instead, she transferred me back to the main menu for their automated telephone system.
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| 01/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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Hi there, I noticed that I was charged an annual fee of {$99.00} on my credit card ending with XXXX on XX/XX/XXXX. I called Barclays on XX/XX/XXXX to either downgrade to a version without annual fee or cancel this card to get the annual fee refunded since I will not travel as much as I did in XXXX. As a result, I will barely use this card moving forward and won't be able to utilize the card 's benefits ( haven't used this card since XX/XX/XXXX ). However, the customer service representative informed me that the annual fee was posted on XX/XX/XXXX, which results in passing the 60-day window of getting the refund, so they could not process the refund. That was quite a surprise to me.
I then looked closely at my account from Barclays ' website. I found that the page showing the transactions is very misleading ( see attached ). It shows the " Posted transactions '' at the top-left corner with the date of XX/XX/XXXX above it and the date of XX/XX/XXXX appears again below the " XXXX '' at the bottom.
And the date of " XX/XX/XXXX '' is relatively unnoticeable since it's smaller and lighter compared with the capitalized words " ANNUAL FEE '' right above it. This layout, especially the date " XX/XX/XXXX '' below the " XXXX '' makes it very impelling to believe that the {$99.00} annual fee was charged on XX/XX/XXXX, which leads to the result that I missed the 60-day window of getting the refund. It is very unfair and inadequate.
I have never encountered a similar issue with other banks or credit card companies since my first credit card in XXXX. In addition, I have been a responsible client that has never been late for any payments.
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| 05/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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In XX/XX/XXXX I applied and received a Barclay Credit Card. Over the years I have struggled to pay this card down. In XX/XX/XXXX I contacted Barclay to plead for assistance. This was not the first time I had done this. They asked me multiple questions about my income and bills i have to pay. That is when they offered me a financial assistance program. My amount due each month was XXXX dollars. If I continued paying this amount long term, It would pay off my account. I set up automatic payments and they could only set up 12 months worth of payments. In XX/XX/XXXX, I called Barclay back to set up another 12 months of payments. On XX/XX/XXXX I went into my local credit union and met with a loan specialist. I needed to do some repairs on my house and needed a small loan. The bank ran my credit report. I was denied because Barclay has been reporting me late every month. How can this be when they take the money automatically each month. I called Barclay that day and was told when I signed up for the payment plan i was 90 days past due. I would have had to pay 3 months worth of payments upfront to bring me current. I have paid over 300 dollars since I first signed up, yet I am still past due. Today, XX/XX/XXXX, I called Barclay again and spoke to an executive specialist. She told me that my minimum due is XXXX dollars each month and that doesn't change even though they enrolled me in a payment plan. On my credit report it states that I owe XXXX a month and that I pay XXXX a month. But behind the scenes they are saying I actually owe XXXX but I am only paying XXXX. This is completely deceptive to me and anyone else on this payment plan.
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| 12/07/2015 |
Yes |
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Web |
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I requested a balance transfer with XXXX XXXX Barclays credit card to pay off my XXXX XXXX card on XXXX XXXX. After I requested the balance transfer I have called XXXX XXXX multiple times between XXXX XXXX to XXXX XXXX to check the status because XXXX XXXX says it 's posted but the XXXX account does not show the balance transfer. I even repeatedly ask XXXX XXXX to investigate the issue but the representative keeps saying if the account number I entered was correct, the payment will go through and post on my XXXX account. On XXXX XXXX, XXXX XXXX 's representative told me that they are going to investigate, but a later conversation with a XXXX XXXX supervisor reveals that there was no investigation. On XXXX XXXX, XXXX XXXX finally agreed to investigate but provided no update to me until I called again today. Today on the first call the XXXX XXXX representative says the issue was still under investigation. On my three-way call with XXXX and XXXX XXXX later today, the account number was verified to be correct but XXXX says XXXX XXXX used a wrong delivery method. XXXX XXXX keeps denying that they made false representations and refuse to refund me the interest I was charged because of their mistake. XXXX XXXX offered to do the balance transfer again at the same term as a resolution, but does not guarantee that they will use the correct method to delivery payment, which means it is not a resolution at all. I am very disappointed because XXXX XXXX 's repeated misrepresentations ( all of the conversation were recorded on XXXX XXXX 's side ) has caused me to pay extra interests on my balances on my XXXX account that I could have avoided.
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| 12/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Older American, Servicemember |
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My wife and I have XXXX credit cards through Barclays and for the last 2 months we have sent check payments via USPS 12-15 days before the due date, but yet the didn't post the payments until after the due date, charged us a late fee, and even shut off our cards. After talking with them over the phone and explaining that we had mailed the checks with plenty of time for them to get there before the due date, they took off the late charges, and tried to get us to let them take their payments directly from our bank account. We have never had a late credit card payment before, and our credit score is in the high 700 's, but has come down from XXXX due to Barclays stalling our payments in order to place a late fee on our last 2 payments. 12-15 days in the mail should be plenty of time to get our mail and is plenty of time for all our other credit payments. Barclays is the only one we are having a problem with and it seems to me that they are deliberately delaying our payments in order to do away with paper payments and take money out of our bank account. They also tried to XXXX us out of our reward points from XXXX credit when they were XXXX and switched to Barclays and they were supposed to honor the accrued rewards from XXXX. We had to fight to get the rewards before they would apply them. When XXXX made the switch, Barclays automatically gave us a Travel Rewards card when we were supposed to get the option between that card and the Essential Rewards card which pays rewards for medicine and groceries that was much more useful for us. We had to fight to get our optional card. Not happy at all with the way Barclays is treating us.
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| 09/07/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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Web |
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I was staying at the. XXXX XXXX XXXX in XXXX, ME at room XXXX. I was told to leave. right away. I later found out that there was a fire at the hotel. I left many items in the room. And I there were other items that I ordered which I had to leave due to the fire I am now being charged for these items. I explain this to XXXX and XXXX who I ordered it from. And they told me I would not be charged. I also explain this to AAdvantage So told me they would not charge me, yet they are charging me. I had a conversation on the phone with XXXX who threatened to lower my credit score, which I. do not believe is illegal. I also had a conversation on the phone with someone named XXXX who I explained the situation to and I told him that in this situation. they are supposed to have an investigation and remove and remove the charge until the investigation is done. Yet I see these charges as valid. It's not pending, which is not what they are supposed to do. I'm going to I will list the total charges below which I'm being charged for.
My card number at the time was. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate this and get back to me when you can. I appreciate your assistance in this matter.
XXXX XXXX
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| 01/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/2022 I ordered a rental car through the XXXX website for an upcoming trip to XXXX, Hawaii on XX/XX/2022. I never input any credit card information into the reservation, but I did have a XXXX issued credit card through Barclays still active. On XX/XX/XXXX, I called XXXX to cancel the reservation due to my doctor 's recommendations that I not take a very, long flight at that time. I was told that the reservation was not able to be cancelled as it was non-refundable. I offered to present a doctor 's note that I was unable to make the trip for health reasons. I asked to dispute the charge since it was such a short time from original booking. I was told I couldn't dispute the charge because the charge wasn't on my credit card yet. I asked that my XXXX Barclays credit card to be cancelled at that time. I thought that was the end of the situation. The following month I received a bill from XXXX Barclays for {$400.00}. Once a credit card is cancelled charges should not be allowed on the account. I called Barclays to dispute, they told me to call XXXX. XXXX told me to call the local car dealer to dispute. All parties were unable to resolve this issue despite multiple attempts on my part. Now it is 4 months later and I am being charged interest for a service that was never provided. My credit score has been effected too because of this. I have excellent credit history with a XXXX XXXX over XXXX most months. Subsequently, my credit has dropped XXXX points. I would like to question the unscrupulousness of said company and request that an inquiry be made into their fraudulent business practices that effect the consumer negatively.
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| 05/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
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I have a XXXX XXXX XXXX XXXX XXXX account through Barclays. The account was opened in XXXX. I was given a credit line of {$14000.00}. I have always made my payments. I have XXXX children under XXXX so things can get tight and the card was basically maxed out for some time. Again, I still made my payments. On XX/XX/XXXX, I made a payment of {$14000.00} this brought my balance below {$2000.00}. I wanted to pay that large amount so we would have a credit card with a good credit line for emergencies. This is/was my highest credit line. Today XX/XX/XXXX, I received a letter from Barclays dated XX/XX/XXXX, after I made this enoumous payment that Barclays was reducing my credit line to {$2400.00}. I know they " base '' it on credit reporting or all the other made up things banks use, but this is a very dishonest, almost fruadulet way to do business. Barclays had plenty of time to reduce my balance well before I paid $ XXXX. But, NO! As soon as I pay that large amount Barclay 's drops my credit to basically nothing in the case of an emergency situation. I only paid such a large amount to one card specifically to create a safety net for my family. If I would have know this is how they conduct business, I would have probably done things much differently with that {$14000.00}. I had to jump through hoops with the banks to even get that money. It was a home equity loan. What they did is not right and I know Barclays has all the proper responses. But anyone looking at this at face value would agree that what Barclay 's did was wrong. I feel as if they stole {$14000.00} from me. Please advise if I have any recourse. This just is not right.
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| 10/06/2016 |
Yes |
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Web |
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I had a Barclays Bank Credit card which was charged off. The account is one of the only dbad items on my credit report so I took a closer look at it. On all my credit reports there are some differences in the way the account is reported. I have disputed this account with all XXXX credit bureaus and Barclays has verified all the information is correct. How can it all be correct when I can see some differences on the report?
I was particularly interested in the last payments of the account. If they are wrong about my payments then maybe this account is affecting my credit when it should not. I called Barclays Bank at XXXX ( the number on my credit report ) and referenced my account with them on XXXX/XXXX/2016. I told the customer service representative that I was checking on this account and wanted to see what their record stated as far as the last payment made. She told me that she had no records of the payments and placed me on hold.
She came back on the phone and told me she did n't have any payment records and I needed to contact XXXX XXXX XXXX about the account and they would surely have my payment information. I contacted XXXX XXXX XXXX ( I presume a debt collector ) at XXXX and the gentleman verified again who I was and could not find my account or my payment information. He suggested I contact Barclays.
I called XXXX and I explained what happened and she suggested I dispute the account. She even did it for me. And on XXXX XXXX, 2016 the account was again validated by Barclays Bank. Even though as far as I know, they no longer have my account information or at least any of my payment information - the important stuff.
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| 09/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
Older American |
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I have a credit card by jet blue Barclay bank. I also set up a monthly withdrawal for the full amount of my spending. The last month was a special month I had a bill of over {$2.00} so I called up the bank a week before the due date, and told them not to charge me this month on my regular account, and I gave them a different account with the banking routing number and account number and told them to charge {$2300.00} instead of {$2000.00} they took the information. The next week I go to my account and I see that they charge me {$29.00} for a return fee so I called him up and told him its impossible. The account has much more money than the {$2000.00}. The bottom line is that they told me that they try to get the money out of XXXX XXXX which is the regular bank that they took it out from XXXX XXXX, so I told them why did you do that? I gave you a different account number specially this month that you should take it out from there i usually do it with other cc companies and I have no problem. He told me this is what we do we go to the regular bank. I told him but I told you you cant take it out from the regular bank, well anyway theres nobody to talk to he claims that he did the right thing, and Im telling him that I gave you a special account number where to take the money out from he says I see it but thats what we did and we are not giving you back the {$29.00}, and I think that he is not right, they should give me back the {$29.00} because the mistake is theirs. I am very annoyed at what they did. They had no right to go to XXXX XXXX after I gave him all the information from the other account where to take the money from.
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| 05/25/2016 |
Yes |
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- Unsolicited issuance of credit card
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Web |
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XXXX card was evidently discontinued and transitioned to Barclaycard XXXX. I received these notifications but declined the offer, did not respond and did not activate the BarclayCard.
Unfortunately XXXX and BarclayCard took it upon themselves to open an account for me and pay a merchant, XXXX I had setup for an annual subscription with the XXXX card.
My complaint is that I did not approve the transfer and opening of a XXXX account, did not approve that account ( with BarclayCard ) to pay anyone on my behalf.
I have now had to spend my time ( time is $ ) to clean up this mess. Barclaycard sent me multitude of mailers that I promptly threw in the trash, again I DID NOT want to have their offered XXXX, and I made my choice by NOT accepting the offer. As I was unaware they had created an account and paid out on it, I ignored all mail from them and they continued to add charges and fees, and now want me to pay this vendor, that they chose to pay without my approval.
My understanding of consumer credit is that an express permission/acceptance is required in order for a credit card company to actually open an account and accept/pay charges against it. When did it become legal to just transfer and open new accounts without my express permission?
The merchant was XXXX I had setup some time ago, an annual subscription, and yes I had forgotten. However, it has been my experience that when I change cards/accounts or the card expires these merchants will contact me and ask for a new payment solution. This is what I expected when XXXX discontinued their card. I did not expect that some bank could just create a new account for me.
|
| 10/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
XX/XX/XXXX : Received promotion email for my Uber credit card regarding earning {$400.00} in additional Uber Cash on everyday purchases.
Promotion terms : Use your Uber Credit Card to earn an additional 5 % Uber Cash for every {$1.00} spent on grocery store, drug store and restaurant purchases, up to {$200.00} Uber Cash, from XX/XX/XXXX to XX/XX/XXXX.
Plus earn an additional {$200.00} Uber Cash if you spend at least {$3000.00} on purchases from XX/XX/XXXX to XX/XX/XXXX.
All Uber Cash earned from this promotion will appear on your statement 6-8 weeks after the end of the promotion.
Early XXXX : Called customer service to make sure I was enrolled into the promotion and said I was enrolled correctly.
Before XX/XX/XXXX : Completed over XXXX ( almost XXXX ) in purchases on my credit card. None of the purchases were used with a mobile or wireless card, only the physical uber card. Transactions were all in-store. My credit card was never closed and the product was never changed. My account to this day is open, active, and in good standing.
XX/XX/XXXX : Terms said to wait 6-8 weeks after the end of the promotion for the Uber credit to show in my statement.
I called customer service and they told me to wait until the end of the statement which for my case was XX/XX/XXXX.
XX/XX/XXXX : No bonus posted yet. I called and started a case regarding not getting credited for the promotion. Case # XXXX Representative told me to wait 7-10 business days for either a letter/e-mail regarding the issue which was forwarded to the necessary department to look after.
XX/XX/XXXX : No bonus, no correspondence from Barclays whatsoever.
|
| 07/26/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2020, I became aware of fraudulent charges on my account and immediately notified Customer Service, via phone, of this situation. The agent was very helpful, but ultimately, indicated she was not able to complete the claim at that time, due to some issue with her system. She advised that she would complete the process after our call ended, and that someone would contact me to confirm the completion of the dispute process. She very clearly indicated that I would not need to follow-up further, but that I would be contacted.
On XX/XX/2020, I still had received no calls regarding this matter, but upon logging in to my account observed that the charges had all been appropriately credited. However, on closer review, there were 2 larger charges, in the amounts of {$77.00}, and {$220.00}, that had somehow fallen off the claim, even though I had clearly indicated they were not recognized, and fell within the date range of the fraudulent activity. ( Please feel free to check the call transcript to verify. ) Over the last 10 days, I have been calling frequently to Customer Service to resolve this -- to have those 2 items added to the claim, and to check on their status. I have been advised that they were included, but I have also been advised that the case was closed on XX/XX/2020. So I am quite confused, 1 ) why the first batch of credits occurred within 2 business days of my original claim of XX/XX/XXXX, but these items remain uncredited so many days later ; 2 ) if the case is indeed closed, how can the 2 items ( which I were told *have* now been included ) not have been credited yet in the process of closing the case?
|
| 03/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Servicemember |
|
Last year, I opened a credit card with Barclays that earns frequent flyer miles from XXXX XXXX. On XX/XX/2020, XXXX XXXX shut down my frequent flyer account and sent me a generic form email with no information as to why I was shut down. XXXX XXXX has confiscated over XXXX frequent flyer miles in my account earned from using my Barclays credit cards. I applied for this credit card in my own name and was vetted through identity checks and credit reports by Barclays. I used the credit card daily for purchases and earned frequent flyer miles. Now, Barclays says that it is 100 % not involved in the decision by XXXX XXXX to close the accounts of many frequent flyers. Barclays has engaged in deceptive practices towards its customers by luring customers into new credit card products and offers to earn miles by spending money on their credit cards, then XXXX XXXX confiscates those miles, robbing the consumers. Barclays claims it is uninvolved in this process, yet they are the ones offering clear terms ( do this, earn x miles ) and then allowing consumers to be robbed by XXXX XXXX. Barclays claims ignorance about their own credit card products and allows XXXX XXXX to steal from its customers. I have filed a complaint with DOT against XXXX XXXX for stealing from me. I am now filing a complaint against Barclays for deceptive practices ( promising rewards and allowing them to be stolen ), for bait & switch, and for misleading marketing campaigns to dupe customers into entering into contracts Barclays fails to honor or to enforce in any way. Barclays claims ignorance regarding its own products and refuses to protect its own customers.
|
| 12/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
On XXXX, XX/XX/XXXX, XXXX XXXX, I was booking a flight online with JETBLUE. When step 3 of the booking process ( Review & Pay ) was displayed, an offer of " {$250.00} credit statement and 15,000 Bonus Points '' popped up on the screen ( see attached ). This offer, showed a different final amount after the " statement credit '' is applied, my estimated amount due for the ticket would go down from {$410.00} to {$160.00}. Without further ado, I hit the button " Apply Now '', completed the application form, an instant approval came from https : //www.barclaycardus.com and I went to book my flight.
Needless to say, my first disappointment was when I was confirmed and charged the full amount without any discounts. The applied points were far from the 15,000 BONUS points promised by this offer, in fact they were the usual points one gets.
The second disappointment came today, when my new card arrived and I created an account with Barclay to check my balance and see if the promised credit of {$250.00} had applied. Not only that it had not, but there was a hefty {$99.00} annual fee, a total of {$540.00}, instead of {$160.00}, as per their offer. The third and final disappointment, the activation telephone number published on the card and o
n the company 's website was not a working number and the main phone number to customer service was not working as well.
I called JETBLUE to seek their assistance as this " Bait and Switch '' marketing campaign is obviously a joint venture, the customer service rep transferred me to Barclay, despite of my warning that their phone numbers do not work and they did not work for the rep either.
|
| 08/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
Today XX/XX/2020, I received an email at XXXX XXXX from Barclay thanking me for transferring my reward points to my UberApp. However, I did NOT transfer those points, I was asleep.
I talked to a customer service representative via Barclay 's online chat service and was informed the company updated its terms of service so that beginning in XX/XX/2020, points may only be used on Uber services and that points are automatically transferred at {$50.00} to my UberApp.
I've been a card-member for over 2 years and this is the last straw. This 100 % unacceptable. Barclay 's business practices are fraudulent, as this isn't the first time they've done something like this.
Under the original terms of service, the terms they advertised and marketed that made the card appealing to me to begin with, points earned at restaurants and bars were 4 % cash back and all points could be redeemed for cash or credit to the account or uber cash. 2.5 years later, all of sudden bars and restaurants are worth 3 %, while the uberapp is worth 5 % ( something I don't use on a regular basis ) and all of my points I racked up over the years that I thought I was saving to be redeemed for cash, can now only be used on the UberApp, something I don't really use.
This is bait and switch behavior and fraud. I asked the Barclay representative for a corporate office number to call and she said there was no number that I could call. I asked that a check be sent to me for the rewards points that I had earned, she said she could not do that. Unacceptable. After I indicated I would be filing a complaint, she told me a manager will contact me in 24-48 hours.
|
| 08/31/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Servicemember |
|
I was trying to use my card while travelling and it was blocked. When asked to confirm my identity, they said my responses were incorrect. For example, my mother 's maiden name. Which hasn't changed for her entire life. The responses I gave are 100 % correct, but the data they collected from " public records '' was incorrect. I was then asked to prove my identity because they obtained incorrect data. Not only was I stranded without a travel card, but I was denied to close my account. According to their security department, their methods of collecting data was not by my own submission but from a third party. I was asked to send copies of my Driver 's license, Social Security card and bank account statements. I refused and the poor customer service ensued. I have impeccable credit ( score of XXXX ), I have never had any problems with verifying my identity when asked. My mother 's maiden name has never changed and the other answers were correct as well. Barclay 's simply refused to listen to the fact that the data they are using is incorrect and instead has blocked the account. I simply just want to pay my balance in full and close the account. The said they would not close my account. I feel it is a fraud risk to have to send copies of my identification, social and bank statements in the mail or by email. Especially with a company I do not wish to have my data anymore. And that does not have the technology to pull the correct identifying data for their clients. Instead of admitting theor own errors, they put the burden of proof on me.Submitting these documents is not common practice. I refuse to put at a higher fraud risk
|
| 02/14/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
My payments for Barclays ( Old Navy Navyist ) have been on autopay for the past several months. The payments are submitted/received every 4 weeks. I set this up after my credit line being switched over to Barclays and my due date being switched. I was not informed of the switch prior to it happening. This caused me to have two minimum payments due in one month. I called and spoke with a representative at that time who explained the switch up of due dates was because of the credit line being switched to a new lender. After adjusting my monthly payment due date to the XXXX of each month to line up with my autopay I left it alone. I confirmed that everything would be fine going forward. I have not had any issues with my autopay or payments being applied correctly until XX/XX/2023. Due to the fact that Barclays received my payment on XX/XX/2023, they are reporting that it was applied during my last billing cycle ( XX/XX/2023. They received my XXXX payment on XX/XX/2023 ), so there is another payment due on XX/XX/2023. I called and asked for explanation. They explained it was due to my billing cycle close date. I asked if the funds could be applied towards my XXXX balance due, for which it was intended. It was explained to me that there is nothing that they can do on their end because that is just how the system works. I asked who created /monitors the system because while it may run itself, there has to be some type of human interaction for when things go awry. They explained there is nothing more they can do for me, so I informed them that I needed to close the account and that I would be reporting their business tactics.
|
| 09/07/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My dispute is with Barclays Bank of Delaware In XXXX / XX/XX/2022 two fraudulent credit cards were opened using my social security number - one for XXXX XXXXXXXX and one for Frontier Airlines.
When these new accounts appeared on my credit report, I phoned Barclays on or around XX/XX/2022 and reported the fraudulent activity.
The security department stated they were closing the accounts and sending the information to be investigated and I would receive a call or letter with the result.
To date, I have not heard back from Barclays on that investigation.
On or around XX/XX/2022 Barclays reported a delinquent account which resulted in a XXXX point drop to my credit score.
I called Barclays today, XX/XX/2022 to remediate this issue. I was passed to five separate representatives who stated they were unable to find my information in their systems using my name and last 4 of my SSN.
I was finally transferred to the security department. The representative found my accounts and stated that the XXXX XXXX one has been closed, but no fraud reported internally and no investigation was done. She stated the Frontier Airlines card was still active with an {$89.00} balance- which is the charge for the annual fee.
She stated there was nothing she could do to help me with the false delinquent report to the credit bureaus and that she was closing the Frontier Airlines account and I would hear back by mail or phone on the result of the fraud investigation.
The false information remains on my credit report and Barclays was unable to provide a timely resolution. I have no faith I will hear from them regarding an investigation.
|
| 07/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
In XX/XX/2020, I opened a new Barclay AAdvantage Aviator Business Card In XXXX 2020, I setup my Auto Pay for the credit card ( to pay balance in full each month from my Credit Union Checking account ). When setting up the payment, I ( user error ) incorrectly selected Savings instead of checking. So my first payment on the card was NSFd, and I had to setup a manual payment.
I called Barclays after the incident to ensure that I appropriately updated my auto pay method to select CHECKING account type instead of savings. This was confirmed in the Barlcays autopay system online ( https : //aviatorbusinesscard.com/ ) and by an agent over the phone.
In XX/XX/2020, my next autopay was triggered, presumably for the updated payment information, but Barclay 's system REVERTED to a SAVINGS account, not my checking account. This cause my savings account to be charged without my authorization. This resulted in three fees I am disputing, totalling {$84.00} : One fee from Barclays on XX/XX/2020 - " Return Payment Fee '' - {$39.00} One fee from my credit union on XX/XX/2020 - " NSF fee '' - {$35.00} One fee from my credit union on XX/XX/2020 - " Negative Bal. '' - {$20.00} I have contacted Barclays approx 10 times regarding this Barclays system issue. The investigation was completed after 6 weeks, found not in my favor, inexplicably.
Even more concerning is Barclays lack of responsibility regarding this system issue. Even during my most recent contact with them on XX/XX/2020 ( screenshot attached ), their system AGAIN reverted my autopay to SAVINGS instead of CHECKING. The agent refused to acknowledge my issue as " Bank Error ''
|
| 01/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
Today I am taking action by filing this complaint regarding my Gap XXXXcard that is financed through Barclay 's bank.
The first thing I noticed is that Barclay 's took over the Gap XXXXcard and didn't inform us. Barclay 's did not alert us. I have the majority of my credit card bills physically mailed to me, so when they took over they had to have switched to e-bill without my consent and I missed two payments because the bills were not physically mailed to us. I called customer service and they set me up on one of their programs for three months which was supposed to prevent me from getting fined for late payments. Apparently, this customer representative also added in a clause that I would pay approximately {$150.00} per month- this was done without my consent but I did consent to the program he offered. This representative also waived the late fees ( I think ) because we've consistently been charged as late payment and have received late fee charges.
For the next 3 months, I received monthly statements that said I was late in my payments when in fact I had paid {$300.00} in one month. There were several other unexplainable discrepancies so I called customer service. While talking to customer service, I realized while looking at my bill that Barclay 's has been charge me double interest!!! Customer service said she would have a manager or supervisor call me regarding this problem. To this day I haven't spoken to any representative. I did receive a letter in the mail stating that they were aware that I had concerns about my account and that I should called customer service again to address my concerns. THAT'S IT
|
| 02/07/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
XXXX XX/XX/XXXX, charged off amount for {$790.00}. Wrote the XXXX, emailed the President of the Company. Barclays Bank Delaware has violated the federal law under the Fair Credit Reporting Act section 608 and 611 by reporting after my husband went off XXXX XXXX in XXXX due to combat related injuries. Servicemembers Civil Relief Act was also violated. They have multiple accounts on my husband 's credit report that payments were stopped and balances were adjusted to reflect the Servicemember Civil Relief Act. I submitted documentation showing he was on XXXX XXXX because they had violated the law. This company saw my husband was on XXXX XXXX and documentation was submitted to them via fax. Never reported any late payments until he was released from XXXX XXXX and is completely XXXX. They are also violating the Fair Debt Collection Practice Act by reporting to the credit bureau after my husband went off XXXX XXXX. I have disputed this multiple times with the credit bureau and Barclays Bank is now put the debt as a charge off/collection when in fact they are breaking numerous laws. Barclays Bank needs to be penalized for not abiding by the federal laws that are in place for the consumers. This company continues to violate laws.This company is not veteran friendly. The federal government need to get involved and make sure they are not taking advantage of the consumer especially a veteran who has served his country. They are up on statue of limitations in the state of Virginia as well. The list just goes on and on. They never reported on his credit report when they approved my husband for the Servicemembers Civil Relief Act.
|
| 10/29/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
The XXXX Visa Card ( offered through Barclay 's ) for the past 2 yrs has had a 4-3-2-1 rewards category scheme with a cash back option. People have been approved for credit cards, agreeing to these terms and conditions literally up to this morning ( XX/XX/2019 ). For them to unilaterally and forcefully change the entire rewards system ( for many people less than 6M after signing up ) so that 1. the rewards categories change and 2. ( most importantly ) that there is no longer a cash back option with no opt-out of the changes is preposterously criminal to the people that signed up for the old terms and conditions. People sign up for credit cards and agreements with the expectation that the conditions they sign up for will be respected. A company is entitled to change their conditions, but should do so for future customers and not the ones that signed up under the old conditions ( or offer an opt-out of the new changes ). For them to then change those conditions for some people less than a day after being approved is a stark abuse of power. Especially, considering the opposing consumer side is powerless to disagree because there is no opt-out option, and if the consumer were to cancel the card, their credit score will suffer causing reverberating effects. A rewards system is an integral part of the critical decision to open a credit card account ( which can have drastic effects on a consumer 's life ), and should not be subject to whimsical unilateral changes whenever a company wants. The implications of such are obvious, enabling companies to impose drastic financial burdens on their consumers without consumer input.
|
| 09/25/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
On XX/XX/XXXX, when I opened my statement period XX/XX/XXXX to XX/XX/XXXX I was upset to find 2 bills amounting {$1000.00} and another amount of {$1000.00} descriptions XXXX XXXX and XXXX XXXX with telephone no XXXX. Money taken from my credit card.Barclay/XXXX XXXX MasterCard . First thing I did is to call my bank and inquired such transactions. My bank said not to worry they will reversed the entry on my statement while they are investigating and at the same time called XXXX XXXX to inquired with such transactions. XXXX XXXX just said the money was taken in cash. That is all XXXX XXXX told me. I feel reluctant when Barclay/XXXX XXXX said not to worry. But then my statement from XX/XX/XXXX to XX/XX/XXXX I was rebill back by my credit company Barclay/XXXX XXXX MasterCard I insisted to them I did not make that transactions and I am not willing to pay. The Fraud Department Barclay/ XXXX credit department told me to go to police station and file an incident report and then submit the report to XXXX XXXX XXXX I did followed the bank advices. When I got the incident report from the police stations I called XXXX XXXX asked their fraud Department address but their respond to me is that from police station the police must call us directly to discuss the issue. UNFORTUNATELY the police officer said, we DONOT work that way. Just send the hard copy to XXXX XXXX. I called XXXX XXXX but will not accept hard copy report and the fraud Department have said the transaction was authorized by XXXX to pay the 2 {$1000.00} transactions. Today I mailed a hard copy of incident report to XXXX in a registered manner.XXXX XXXX case no. XXXX
|
| 09/30/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I sent a {$24000.00} that I received from the closing lawyer after my home closing to pay off Barclays, my credit card company based in Delaware. This {$24000.00} check cleared XX/XX/XXXX. XXXX deposited this into someone else 's account ( they wrote an account number on the check that isn't mine ). I spoke with XXXX at Barclays on XX/XX/XXXX and she assured me that seeing as I had all the documentation from the lawyer showing the check clearing that it would be rectified in 30 days at the most. I then received a letter from Barclay the first week of XX/XX/XXXX stating they needed a hard copy of the cleared check and the letter stated this would be rectified in 10 business days. This was nearly a month ago. I spoke to a manager XXXX XX/XX/XXXX and she assured me she was personally escalating this and she would personally see this was resolved by today ( XX/XX/XXXX at the latest ). I received a letter Friday ( XX/XX/XXXX ) stating Barclays is reviewing my account dispute and needs 45 days. I called Barclays today ( XX/XX/XXXX ) and spoke with another manager, XXXX who assured me she was personally escalating this and she would personally see this was resolved. I have been working diligently attempting without success to get MY money. I have spoken with customer service as well as managers. I have provided all the proof they required ( I had to contact the title company and the lawyers office to even be able to access a copy of the cleared check ). This company has made me spend hours and hours of my time without giving me any help to get me my money. My funds are still applied to someone else 's account.. i.e. FRAUD!
|
| 09/19/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I received a check in the mail from Barclay Card XXXX XXXX stating if i did a balance transfer before XX/XX/XXXX i would get a 1 % transfer fee and 12 months interest free on that balance transfer. So i did it on XX/XX/2017 and it reflects on my statement that it was posted on XX/XX/XXXX. I was charged on my next billing a transfer fee of {$100.00} and a interest fee of {$9.00}. on my next billing i was Charged another interest fee of {$75.00} and a separate interest of 2.93.. I called and complained about it and explained what i had done with the check via mail and was not supposed to be charged all this interest every month. They had no record of the check that was sent by mail as i have to pay interest on the balance transfer. So in XX/XX/XXXX I immediate closed my account with them and paid off the balance including all the interest they have charged me so I would n't have to deal with them any more. they said the complaint would take 7/10 business days. When i called on the XXXX day they said it could take up to 45 days. I want all my money back including my initial balance transfer fee cause i never took advantage of my no interest rate of zero percent for 12 month. I had to pay a fee to another company to transfer my money to them. Oh and this is funny I now got a bill with an interest of {$27.00} for the XX/XX/XXXX statement when I had a zero balance. I have uploaded offer letter and last statement. Due to me not having my account open it wont let me download my other statements. Please help me cause this company is not knowing whats its doing to consumers like me and just taking advantage of us poor people.
|
| 09/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Ive filed a complaint against Barclays due to the companys malpractice and mishandling of my personal information. The company responded to my first complaint saying that the integrity of the credit system relies upon the accuracy of information provided while showing lack of that itself. When I signed up with Barclays they never offer me in their agreement to OPT OUT from getting my personal information being shared with 3rd party entities as required by law. Therefore violating my right to privacy.
In 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.
( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
|
| 09/30/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
XX/XX/XXXX, I checked my credit card transactions for my Barclays Card on-line and saw a charge that I had not made. I contacted the credit card company and told them I thought I was the victim of fraud and they agreed to remove the charge and investigate it. When I got my statement a few weeks later, I saw another fraudulent charge. I called again to report it and they agreed to cancel my card. I complained that the second fraudulent charge could have been prevented if they had responded to my first complaint and cancelled my card then. I then asked if they had experienced a security breach because I had not lost my card and it had not been stolen. They admitted that they had, but would not give me any details about the breach. They could not refer me to anyone who could give me that information and whether I was at risk of more identity theft. When I asked to complain to a supervisor I was put on hold for an extended period of time and finally had to hang up. The fraudulent charges on my account were very obviously fraudulent. They were for much larger amounts than I usually charge and made at stores far away. I believe that Barclays should have been able to identify the fraudulent charges themselves and should have made an effort to do so, particularly because they had experienced a security breach. I believe they had an obligation to let cardholders know about the breach so they could protect themselves from further identity theft. I was appalled that they seemed to feel no sense of responsibility and did not act proactively and to expose me to further identity theft rather than let me know there was a breach.
|
| 09/25/2016 |
Yes |
|
|
|
Web |
|
|
I responded to an introductory offer the end of XXXX by a company called XXXX XXXX for a XXXX and with it came a XXXX sample. It was FREE and the shipping costs were XXXX and of course I had to give them my credit card to mail the offer. I received both samples but also was billed 4 times in one month in the amount of {$89.00}, {$87.00}, {$89.00} and a XXXX th charge of {$87.00}. I called the company and told them I never authorized the usage of my credit card for additional shipments and there was nothing transparent in the introductory offer that advised more shipments would be forthcoming. So, I received my introductory package and called and cancelled the order when I received package number two which I did not ask for nor did I keep. I returned it to the sender and received two cancellation numbers XXXX and C XXXX.
What is surprising about this is that today when I checked on the balance on my Frontier XXXX XXXX card they reversed the three of four credits and are charging me for products I did not request, charges that I did n't authorize and merchandise that I did not receive. I have had an XXXX XXXX XXXX and Platinum card since 1984 and have never once had an issue with fraudulent charges and have come to expect credit card companies to protect their customers from unwarranted charges. Apparently, it is in Frontier XXXX XXXX 's best interest to side with the vendor and they obviously did not do their due diligence even though they have had three months to figure this out. I will cancel my card but wanted this published so other card members will not be surprised that this company does NOT have your back.
|
| 02/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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My credit report with XXXX is showing that there was a Barclays flexible spending credit card ( account ending in XXXX ) that I was listed as an authorized user for. The report says the account was opened on XX/XX/2016 and ended up getting closed and sent to collections with a {$2100.00} balance that was never paid. I never opened an account with Barclay or agreed to be an authorized user on any cards owned my Barclays.
I've called Barclay 's multiple times over the last 2 months to get this removed. I submitted a fraud ticket and was supposed to get a call back in 14 business days, they never called back. I called again and when through the same song and dance and they were supposed to call be in 48 hours once they got " manager approval '', and they never called me back. They have not been able to find any information about me in their system- they don't have any accounts that pull up under my name or social security number. When I asked them to then send a letter to the credit bureau with this information, they said they can't do that because they don't have information about my account.
Then, I disputed this account with XXXX ( mind you, the other two credit bureaus have removed this from my report ). They responded to the dispute and said the information was accurate. I'm not sure how they were able to prove this if Barclay 's themselves didn't have any information about this account, but I digress.
Now I am at a loss because Barclay 's doesn't have any information about this account, and the only way I could remove the account with XXXX was to get a letter from Barclays, which they won't provide to me.
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| 05/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have been alerted by XXXX Credit Bureau that my XX/XX/XXXX payment to XXXX XXXX XXXX ( Number XXXX ) is showing 30 days late. I have thoroughly reviewed my accounts payment history and confirmed it with XXXX XXXX customer service representatives and it has never gone over 30 days late. I sent two letters to the company communicating that they are knowingly reporting incorrect information to the Credit Agencies.
Below is my payment history since XX/XX/XXXX. Please note that I was going through a personal financial matter at the time causing some of my payments to be returned by my bank, however, I made absolutely certain that all my payments are made on time and this is the only negative information on my credit report.
1. XX/XX/XXXX payment of {$280.00} cleared my bank on XX/XX/XXXX. There was no delay.
2. XX/XX/XXXX payment of {$280.00} cleared my bank on XX/XX/XXXX. There was no delay.
3. XX/XX/XXXX payment of {$280.00} was returned unpaid by my bank on XX/XX/XXXX.
4. XX/XX/XXXX payment of {$280.00} was re-submitted and paid by my bank on XX/XX/XXXX.This is a 5 days delay from XX/XX/XXXX payment due date.
5. XX/XX/XXXX payment of {$280.00} was returned unpaid by my bank on XX/XX/XXXX.
6. XX/XX/XXXX payment of {$280.00} was made via phone and paid by my bank on XX/XX/XXXX. This is a 21 days delay from XX/XX/XXXX payment due date.
7. XX/XX/XXXX payment of {$280.00} was returned unpaid by my bank on XX/XX/XXXX.
8. XX/XX/XXXX payment of {$300.00} was made via phone and paid by my bank on XX/XX/XXXX. This is a 14 days delay from XX/XX/XXXX payment due date.
Thank you for your assistance in this matter.
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| 05/30/2016 |
Yes |
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Web |
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I opened a new account with Barclay Bank XX/XX/2016.
And I was offered a 0 % balance transfer offer. So I called in on XXXX XXXX and did a balance transfer over the phone to one of my XXXX XXXX cards.
After 10 days had passed and nothing happened I called Barclay Bank to check on the balance transfer status and they started to ask me strange questions ; Like who I was paying? What I was using the money for and so on ...
I told them I was just paying one of my XXXX XXXX cards.
So they told me that they need to verify my identity and I was : Wait a minute you already know who I 'm. Barclay Bank already checked my identity when I opened the account and again when I requested a credit limit increase which they approved as well.
So they told to send them documents ( Utility bills, copy of social, copy of driver 's license, etc ... ) to prove my identity. I then send twice the documents they requested and Barclay Bank is do n't want to honor the balance transfer.
Every time I called in they are rude and give me all kinds of ridiculous excuses.
I already send the documents twice and they still do n't want to honor the 0 % balance transfer.
It seems to me that they are trying to pull some type of bait and switch deal on me.
If all they wanted was to confirm my identity why do n't they ask me questions about my credit report just like any other bank. Why being rude to me and make me send documents when we have credit reports?
If they are not so sure who I 'm why give me a credit card in the first place?
It make no sense to me ...
I would like Barclay Bank to honor the 0 % offer or please stop wasting my time.
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| 03/04/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Other problem
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Web |
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Summary : My credit score now has a 7 year mark on it for late payment through extremely shifty practices from GapCard and Barclays.
I am the primary hold of our GapCard. Gap sent us new cards and had ( unbeknownst to me ) switched from XXXX XXXX to Barclays. We had automatic bill pay set up on XXXX. My wife made some purchases in XXXX and early XXXX of 2022. We never received any bills in the mail. Today I checked on my credit score and found that Barclays had issued a 30 day late payment notice that reduced my credit score by about XXXX points. I hadn't even activated my GapCard until today, and when I did so I found that it was now under Barclays and didn't even have a bank account associated with it for payments yet. So I set all that up and paid it.
I have been monitoring my credit score because I expect to apply for a mortgage soon, and this will cost me thousands of dollars and be on my credit score for 7 years. How can GapCard get away with switching the primary cardholder to a new bank that is not set up, then never send bills or late notices, then mark me as delinquent. My address was correct in their system, and I had not signed up for electronic delivery. I had every right to expect that the card was still set up for automatic bill pay, and it was the secondary cardholder who made the charges. I hadn't even activated the new card yet.
I immediately set up auto-pay and paid the bill, and we called Barclays, who are refunding some of the fees, but they have damaged my credit score in a way that will have a material effect on my mortgage rates, while never providing a bill let alone a late notice.
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| 12/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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XX/XX/2022 a charge in the amount of {$260.00} from XXXX XXXX was charged. My credit card was stolen. i contacted Barclays had the account and card closed and charge disputed for fraud. XX/XX/2022 i receive a letter dated XXXX that the charges were valid due to Barclays investigating and finding the card in my possession. I contacted Barclays XXXX early morning explained there muist be some confusion i was told to simply fax a letter to XXXX include last XXXX of card XXXX and account id # XXXX and statement about what happened and how my card was stolen. i did that and faxed within the hour of speaking to Barclays. i called back the next day and received a confirmation from a rep that my faxed statement was received. From this day forward i have called numerous times every couple of days asking what is the status. i was told the case was reopened and to wait to be contacted. Today i am told by a rep in fraud or dispute department that no fax was received and i need to prove what happened by sending a letter, again, by fax AND mail. I was also told that this department is unable to make outbound calls so i will not be contacted. Therefore i have to continue to call explain my story over and over and transferred everytime for a status update. The attitude i received leads me to believe i will not be helped. This happened XX/XX/XXXX the charges here we are XX/XX/XXXX. It is bad enough to have ones property stolen now i have to deal with this and in such a rude manner. I feel helpless i do not feel they care to help me or will help me. This is wrong way to handle good customers who work hard and always pay on time.
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| 02/28/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
Older American |
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I applied for a credit card through Barclay 's Bank in XX/XX/XXXX. Due to the XXXX data breach, I had a fraud alert active on my credit record. Apparently due to the fraud alert, I received a request from Barclay 's bank for multiple documents including utility bills and copies of my Social Security Card and driver license, and perhaps others.
I reasoned that the fraud alert was the source of their inability to access my credit records. Since I'm on long term reassignment from my permanent residence, it was a burden to gather all the requested documentation. Since the fraud alert was due to expire on XX/XX/XXXX, I reapplied in XXXX, thinking that would resolve the situation.
On XX/XX/XXXX, I received a letter stating that my application was denied due to " too many inquiries ''. I called Barclay 's Bank and was informed that even if my fraud alert was no longer active, I would still need to supply the documentation. My credit record is exceptional and my FICO score is currently XXXX. This seems excessively burdensome for a consumer with excellent credit and their stated reason is that they had to ensure that security issues needed to be met.
Is this a policy decision that can not be reconciled due to requirements under the Fair Credit Act or is this an unfair burden on the consumer?
My name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. The Barclay 's Bank application number is XXXX with the response on XXXX. I contacted them today, XXXX XX/XX/XXXX. I do have a complaint lodged with Barclay 's Bank and was told to expect a response in 24 to 48 hours.
Thank you.
XXXX XXXX XXXX XXXX XXXX
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| 07/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX I booked a prepaid vacation at the XXXX XXXX XXXX XXXX. On XX/XX/XXXX I cancelled the reservation with the hotel under the advisement of the hotel staff and was told that the stay would be refunded despite it being a non-refundable trip. After the hotel refused to refund the trip despite previously stating they would, I submitted a dispute to Barclays Card on XX/XX/XXXX.
They conducted their investigation within the 90 day time period and I received a call back on XX/XX/XXXX stating that I had 48 hours to return the call or they would close the dispute. I called back three times during the operating hours included in their initial communication and none of the calls went through to their dispute services team. After repeated calls I did eventually get a manager on the phone who explained that the hours previously communicated to me were incorrect citing a different set of business hours that was not included as part of the voicemail or the letter for Barclay 's that I received. I asked that the issue be escalated and the case was reopened. During this period I managed to get the merchant to agree to refund the transaction and they provided me a letter stating that the funds could be returned. I provided Barclay 's dispute services with the letter stating that the funds could be refunded ( this totaled ( {$1400.00} ) on XX/XX/XXXX. Barclays has since refused to provide any update on the status of my dispute, is out of the 90 day dispute window within their card 's terms and services, and has not refunded the {$1400.00} despite written acknowledgement from the merchant to refund the transaction.
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| 03/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On Monday, XX/XX/XXXX, I made a purchase to XXXXXXXX XXXX XXXX XXXX in the amount of XXXX for car-audio speakers. This transaction posted to my account on Wednesday, XX/XX/XXXX. The merchant 's policy permits returns within 7 days of purchase for full refunds, and on or about XX/XX/XXXX, within 7 days of the original purchase, I returned the item to the merchant and the merchant, instead of issuing a return credit back onto the credit card, issued a store credit in the amount of {$32.00} that can ONLY be used at that merchant 's place of business and no where else. I have no use for a store credit because the merchant is more than XXXX miles from my billing address and I had no intentions of ever doing business with this merchant ever again. I initiated a timely billing dispute with Barclay and the merchant misrepresented to Barclay that the merchandise was not returned. To refute that blatant fraudulent representation, I provided Barclay with a copy of the store credit from the Merchant and despite receiving proof that the merchandise was returned, Barclay sided with the merchant and closed the dispute without taking any further action. The merchant has perpetrated a fraud against my Barclay credit card by accepting the return of the merchandise and then not issuing a credit back to the credit card. Now the merchant has both the merchandise and the XXXX it charged on the credit card, and Barclay refuses to do anything about either the fraudulent representation made by the merchant or assist with the chargeback. I requested that Barclay provide a copy of the merchant 's response, and Barclay refuse to do so.
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| 12/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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The issue is with Barclays US credit card.
Despite repeated requests ( 2 ) Barclays US bank refuses to provide me with a credit card paper statement. It only sent me an electronic reminder listing the minimum payment due ( {$29.00} ) however it refused to provide a statement listing all purchases. On XX/XX/XXXX and XXXX I called the company numerous times and the calls were not answered.
Subsequently I got excuses such as the Barclays US card experiencing problem with the XXXX XXXX or another excuse provided to the credit card partner supervisor ( Wyndham ) stating that the company is undergoing " system updates '' etc.
The bottom line is Barclays US is unwilling/incapable to provide a basic customer service and depending who asks them the answer is different depending who picks up their phone. It is apparent that their overseas call center employees ( most likely provided by the third party vendor ) are not properly trained to handle calls or in my case are not even responding to calls. The question to the US regulator I have is this : Why is the Barclays Bank US allowed to operate in the US market when it can not meet a basic requirement such as customer service or even send out a credit card statement? Also why the Barclays Banks sends out electronic reminders to pay a minimum fee instead sending the total amount due? It appears that the bank deliberately drives the consumers to pay their minimum fees so the bank can charge high interest rates on the amount owed. I paid my estimated bill as I am unable to find out how much I actually owe on this card at this time due to the large volume of transactions.
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| 03/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
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I have an {$11000.00} purchase I made using a 0 % balance transfer offer that expires this XXXX on XX/XX/XXXX. I just made a balance transfer payoff from another credit card company of {$11000.00} and an additional payment of {$640.00} XXXX beyond the minimum monthly payment of {$220.00} XXXX for a total of the original charge of {$11000.00}.
I emailed customer service in advance and requested that these payments be applied to the expiring APR. Customer service replied that they would first apply any payments beyond the minimum payment due to any balance that isn't on a promo ( but I don't have any such balance ) and then they would apply it, at their discretion, anywhere they like, which " may '' result in paying off the balance that is due to expire in XXXX, not this XXXX!
The credit card statement that shows the monthly payments does not show to what balance the {$250.00} I've been paying per month for the last year has been applied to. Nor does the fine print on the credit card statement detail how promotional APR balances are paid down from monthly or additional payments.
As the consumer, I should certainly be able to request the expiring APR balance be paid with the 2 payments I just made and they are telling me " it's at their discretion '' ( I have attached a screenshot of their reply from customer service stating this ).
This is taking advantage of me as a consumer to not be allowed to pay off an expiring promotional balance. And their policy of applying payments to any balance they like " at their discretion '' is not on their credit card statement either. I need help with this.
XXXX XXXX
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| 10/19/2016 |
Yes |
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Web |
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When I first got my credit card I was told that if I spent a certain amount of money that I would receive air miles, but I never received them. I called the credit card company 7 months after opening the account and spending the certain amount of money ( within 90 days ) so that I could ask how much it would be every month to pay off my balance within the next 9-12 months. The credit card company referred me to their approved credit counseling services, which I still have to call but I am not wanting to after this experience. As soon as I asked the representative about my miles she looked into my account and told me that I had to contact XXXX. She kept me on hold and then transferred me where I waited on hold yet again for probably 15-20 minutes. Upon reaching XXXX I was told by the representative at XXXX that Barclay had to upload the miles in order for me to use them? It did not make sense because the Barclay representative told me that XXXX had to load them. I again waited on hold for 20-25 minutes and talking to the XXXX robot entering my sensitive information while the XXXX rep was on three way with me. Upon reaching Barclay I was informed by the second representative that a case had been filed. The frontier rep asked Barclay how long it would take to upload the miles and the Barclay rep said it would be uploaded after two billing cycles? Funny how they do n't tell you to call to get your miles uploaded and yet they also play this transfer of calls with their customers. The Barclay rep could have told me the info on the first call. I 'm paying this card off, using my miles and not using this card again.
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| 04/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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In error, I made a duplicate payment on XX/XX/2022 in the amount of {$340.00}. I noticed my error on XX/XX/2022 and reached out to Barclays using the automated message feature online after logging into my account. I was told that the ACH would not be reversed but I would receive a credit on the next billing cycle.
A billing cycle has passed and I did not receive the credit as expected. I reached out to Barclays and they told me they had no record of the request. My balance is now - {$340.00} - meaning I have zero amount due and it is obvious that I am owed money by Barclays. Instead of issuing an immediate refund to my account, the account representative I contacted immediately issued a check that would be sent in XXXX business days. This should have been completed when I initially contacted Barclays.
I have copies of all chat and email transcripts that I can provide for verification of the above. I ended up closing my account with Barclays that I had for many many years because I do not trust them and I am considering reaching out to my state 's attorney general to formally file a complaint as it relates to XXXX. Barclays was extremely deceptive and in my communication with the account representatives it is clear that their practices caused harm to me as I have been without the funds for over 45 days at the time of this complaint.
I want Barclays to let me know when the check was issued via mail and I would like someone from their management team to contact me so I can further file a formal complaint with their office to ensure this terrible customer interaction is not experienced by other consumers.
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| 12/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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On XX/XX/2020 I received from Barclays Bank a promotional offer for my XXXX XXXX credit card. ( Email of the offer is attached as a file : ATTENTION : Upload function does not work on your website. ) It offered to transfer up to 90 % of the customer 's available credit line either as a balance transfer or as a deposit directly into the customer 's bank account.
I subsequently set up a transfer from the card to my checking account on the Barclays/XXXX XXXX website.
Shortly after making the transfer, I realized that I had transferred into my non-preferred checking account.
I called customer service and asked if I could cancel the transfer and re-institute the transfer to my preferred checking account. The customer service representative assured me that that would be no problem. I only had to wait 24 hours to re-do the transfer. I asked several times for her to reconfirm that I could subsequently make the transfer and was assured that it would be no problem after 24 hours elapsed.
I waited 24 hours and then attempted to make the transfer on the Barclays/XXXX XXXX website but it blocked me from making the offered transaction.
I called customer service for the account and was told that because I had cancelled the first transfer that the offer was no longer valid. They told me that the customer service representative had given me incorrect information.
This situation is no fault of my own. If I had known this would be the result I would not have cancelled the initial transfer and let the funds go into my non-preferred checking account.
Please ask Barclays/XXXX XXXX to correct this unfair situation.
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| 08/25/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I am again sharing the facts about the fraudulent charges made on my Barclay 's Card in XX/XX/2022 in New York. If you look at all the evidence I've shared there is absolutely no possible way my mom or I could have made any charges in New York after XXXX XXXX on XX/XX/2022. I was in XXXX XXXX. XXXX shared that I was at work and XXXX XXXX Then I shared documentation of my Mom 's plane ticket and hotel bill as proof that my mom was at the airport then on a plane home on XX/XX/2022. She did not realize she had lost the card in XXXX, XXXX on XX/XX/XXXX until we started receiving threatening letters from Barclays about charges we never made and items we never purchased in XXXX because we were home in XXXX XXXX. My mom can get a letter from her doctor that proves she had an appointment and was back home in XXXX on XX/XX/2022. She has not visited New York since she left on XX/XX/2022. PLEASE UNDERSTAND. WE WERE IN XXXX NOT NEW YORK WHEN THE FRAUD WAS COMMITTED.
I have a XXXX and this is causing extreme stress and suffering because you are denying documentation that proves there was no possible was we could have made the charges in dispute. In addition, we have disputed these fraudulent charges at least 5 times and it seems that Barclay never put the interest and penalties on hold. If you continue to deny this dispute as fraud, even though we have shared all the documentation necessary that proves this is fraud, you will be forcing us to retain an attorney. I ask that you cancel my credit cards with Barclay 's and take time to carefully review that documents we shared that leave NO question that this is fraud.
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| 05/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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This is a new loan. The first payment is due on XX/XX/2023. On XX/XX/2023 I contacted the bank and explained that I wanted to make my first monthly payment of {$540.00} as I like to make all of my payments early to stay ahead of my bills. The customer service rep told me that there would be no issues at all and a payment would be credited towards my first monthly payment and not towards the back end principal. After the payment had cleared I noticed that the due date for my next payment due had not changed and was still showing due on XX/XX/2023. I called the bank and explained the situation and was told that the payment was made too early and there was nothing she could do to change it and that I still needed to make a payment before XX/XX/2023. I again explained to her that I made sure to call and ask before making the payment because making a second monthly payment in the same month was not possible. She explained again that it was on me to just deal with it. I asked to speak with a supervisor. The rep put me on hold for 12 minutes only to come back and say that there were no supervisors available that he was on a lunch break. Again she stated that I had to make another payment before XX/XX/XXXX. After this back and forth she placed me on hold for an additional 32 minutes only to tell me to call back later.
There is nothing in my contract stating how early I can or can not make a payment towards my loan due date. It only states that it can not be late. I also have the phone call with the first customer service rep telling me that a payment on XX/XX/XXXX would be credited towards my XX/XX/XXXX payment.
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| 07/09/2021 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Since XXXX I have been disputing the alleged account with Barclay Bank of Delaware, I have made several attempts for the furnisher to provide me with evidence of which I owe this alleged debt, the method of verification providing the name, address, and telephone number of the persons that verified this debt, the original signed contract bearing my signature, I even showed evidence via my credit reports that the furnisher was reporting inaccurately to XXXX, XXXX, XXXX, with inaccurate, incomplete, blank or missing information such as account numbers, high balance, credit balance, dates open, reported, last reported, account type.
And the furnish still reported to the consumer reporting agencies as verified and accurate. It has been more than 5 years of inaccurate reporting, which is past the statute of limitations in CA, I have also asked if they are licensed to report and collect in my state and provide me with this evidence and have still failed to do so.
On XX/XX/XXXX I was served a lawsuit by XXXX XXXX XXXX, that were unable to provide me with viable evidence of the original contract bearing my wet ink signature, who simultaneously was attempting to collect the same debt as Barclays Bank of Delaware. I contact both XXXX XXXX XXXX and Barclays requesting evidence, and neither XXXX XXXX XXXX and Barclays failed to provide evidence.
Barclay continued to report inaccurately without providing evidence even after XXXX XXXX XXXX stopped reporting. As of XX/XX/XXXX XXXX and XXXX have stopped reporting as there were unable to provide evidence from this alleged account that beared my wet ink signature.
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| 02/18/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
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|
Web |
Servicemember |
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I just returned from a XXXX on the XXXX XXXX and finally have the ability to submit this complaint of something that happened while I was XXXX. I had applied for the XXXX XXXX XXXX XXXX card because at the time, Barclays had a great reputation for programs they offered to military members. They went well above and beyond the SCRA standard. They offered 0 % APR as part of the SCRA agreement. They also waived all transaction fees and well as the {$990.00} annual fee to all XXXX XXXX Military for the duration of their service. This is the explicit reason I applied for this card XX/XX/XXXX. After I had recieved my card, I submitted all the required paperwork required to prove my XXXX XXXX status. Barclays applied my XXXX XXXX status to my account and sent me a letter stating that they would waive the {$990.00} annual fee and give me 0 % APR as I had heard they had done for many others. After that time, Barclays decided to change to terms and conditions they offered to new XXXX members. Every card service representative I talked to stated that if you were a previous card holder you would not be affected. After 10 months of having this card I received a notice in the mail stating that they could no longer honor the original terms and would begin accessing my account the annual fee of {$990.00}. I understand that Barclays Bank went well beyond any other creditor in regards to SCRA, however not honoring the original terms of agreement to current card members is just bad business. I had to close my account while I was XXXX XXXX to prevent being charged the {$990.00} and was left over seas without a credit card.
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| 05/26/2015 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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We contracted with an auto transportation company to transport our vehicle from XXXX to XXXX. A contract was signed under false pretenses. The misrepresentation from the transport company resulted in us being charged {$740.00} by our credit card company. The transport company never transported our vehicle. We attempted to resolve this issue with Barclaycard, but they were unwilling to refund the amount. However I digress. XXXX XXXX XXXX lied to us, so we canceled the contract. The contract had a " non-refundable '' clause. This is what Barclaycard is using to withhold our refund. The contract was executed in XXXX. XXXX Statue section 817 Fraudulent misrepresentation stipulates : Under contract law, a plaintiff can recover against a defendant on the grounds of fraudulent misrepresentation if ( 1 ) a representation was made ; ( 2 ) that was false ; ( 3 ) that when made, the representation was known to be false or made recklessly without knowledge of its truth ; ( 4 ) that it was made with the intention that the plaintiff rely on it ; ( 5 ) that the plaintiff did rely on it ; and ( 6 ) that the plaintiff suffered damages as a result.
The contract is null and void, however. Barclaycard is refusing to follow XXXX statues by allowing the merchant to bill for services they never provided. We chose to use another transportation company and contacted XXXX XXXX XXXX to cancel our request, which they did, but still charged us the entire amount it would have cost to transport the vehicle.
In closing, we were charged {$740.00} for a service that was never rendered and Barclaycard has refused to refund our money.
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| 06/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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This compliant involves Barclay Bank US and XXXX XXXX.
I am a XXXX XXXX XXXX XXXX XXXX XXXX I purchase for an airline ticket from XXXX XXXX. I paid in full for an airline ticket from the merchant XXXX XXXX using my XXXX XXXX XXXXXXXX Miles XXXX on XX/XX/XXXX I have been receiving back charges and duplicate amounts for various amounts from XXXX XXXX since then, some of the charges have been refunded but they continue to be imposed on my credit card even after being resolved initially.
The original charge was under the merchant XXXX XXXX on XX/XX/XXXX
The following are some of the recharged and duplicate amounts and the dates they were charged.
XXXX XXXX recharged XX/XX/XXXX original charge XX/XX/XXXX XXXX was reversed on XX/XX/.
XXXX XXXX recharged XX/XX/XXXX original charge XX/XX/XXXX Charge was reversed on XX/XX/XXXX XXXX XXXX XXXX charged on XX/XX/XXXX XXXX XXXX. XXXX charged on XX/XX/XXXX XXXX XXXX XXXX charged on XX/XX/XXXX XXXX XXXX. XXXX charged on XX/XX/XXXX XXXX XXXX XXXX charged on XX/XX/XXXX XXXX XXXX XXXX charged on XX/XX/ recharged XX/XX/XXXX and XX/XX/XXXX I have tried to reach out to Barclay Bank US and XXXX XXXX XXXX order to resolve the charge backs and excessive charges but both parties have not responded. I contacted both parties via email, phone calls, live chats, and letters but neither Barclay Bank US or XXXX XXXX have reached out to me to resolve the issue. Barclay Bank US continues to rebill the charges from XXXX XXXX even after refunding them. Efforts to contact continue to remained unsolved while hundreds of dollars of charge back have been incurred.
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| 08/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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My Credit Card was transferred from XXXX XXXX XXXXXXXX XXXX to Barclays bank XXXX in XX/XX/XXXX. I received a past due notice from Barclays Bank in XX/XX/XXXX. I have not used the old XXXX XXXX account since summer of XXXX and I never used or activated the Barclaycard. There was a charge from XXXX on the XXXX card in XX/XX/XXXX, but I did not make this charge or purchase anything from XXXX. I called Barclays beginning of XX/XX/XXXX and I was told they would start an investigation. But I did not receive any communication from them only a bill with late fees. I called again in late XXXX and they told me they reversed the charge from XXXX and I think the interest and one late fee. I called again the first of XXXX because the charges and late fees were not reversed and I was told to wait until after the billing cycle and they would be removed, but I got another bill showing additional fees but the charge was reversed and standard purchase for XXXX was added?!!. I called them again today XX/XX/XXXX and was told I owe them {$74.00} ( unknown to me why ), so I went ahead and paid the crooks but I don't think that it is right, they are crooks to took my money when I didn't owe them anything I never even activated the card they are charging me interest and late fees on and possibly using to make purchases. What a way to make money, fake charges, they make their customers pay late fees and interest on fraudulent charges. I want this resolved and I want my money back with interest. And I don't want any late notices on my credit report so I want a new three part credit report showing I did not make late payments.
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| 10/05/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
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I have transferred balances under a 0 % interest offer ( I have multiple due dates for these transfers ) with Barclay Card. I consistently pay far more than the monthly payment requested. These payments are always applied to the transfer that has the soonest due date under the 0 % interest rate. I had a balance that was due on XX/XX/2018 of {$530.00}. I submitted a payment of {$700.00} on XX/XX/2018 and a payment of {$250.00} on XX/XX/2018. When I reviewed my statement released on XX/XX/2018 it showed they applied those payments to amounts not due until XX/XX/2018 leaving a balance on the amount due for XX/XX/2018 of {$160.00} that will incure an extremely high interest charge. This has not been occuring with other payments in the past year which implies it was purposefully applied this way to create an interest due on this amount. I am contesting the legality of this since the response from Barclay Card is a consistent 'any amount paid above the minimum payment each month must be applied to your highest Annual Percentage Rate ( APR ) first, until each APR balance is paid. It does not specify that it must be applied to the APR balance that is expiring first. Therefore, any amount paid above the minimum payment may be applied to either balance if they are at the same rate. ' Since all balances have the exact same interest rate and the precedent for ALL of the previous payments that were over the minimum payment were applied to the balance due first this statement was not applied until this balance due date. This is not an ethical or fair distribution of the amounts paid to this card for this promotion.
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| 12/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
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Web |
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Filed complaint # XXXX regarding issues closing my account. Found Barclay business practices deceptive and inconsistent with standards at other banks and requested my accounts be closed in avoid complaince hassles and deceptive communication.
I was called by someone in the office of the President and she verified and apologized for the behavior of the rep over the phone by not permitting me to close my credit cards without submitting my IRS tax returns. She informed me my accounts will be closed and fee refunded. In addition, I pointed out to her my access to my acocunt online was restricted and I could not review account information nor change any payment methods to pay the final balance. She informed me that my {$99.00} account free would be refunded on Barclays letter on XX/XX/XXXX as part of their response acknowledges this.
On XXXX XXXX, I was notified by email from Barclays ' ( attached ) that they withdrew {$99.00} from my bank account. This is inappropriate, against what they stated and likely illegal. They might blame their poor IT, but they need to fix their internal issues with IT and compliance to be more consistent with other banks and consumer friendly.
Consumers are spending way to much time with banks like this harassing them and abusing terms as well as not doing what they say they are going to do. So I am filing yet another complaint due to the {$99.00} fee withdrawal that was impossible for me to prevent, which i proactively attemtped to head off, which Barclay 's acknowledged would be refunded, but in the END, they still took the money and likely violated the law by doing so.
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| 10/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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While XXXX from XX/XX/XXXX to XX/XX/XXXX ( see attached " Certificate of Discharge '' document confirming my XXXX ), someone stole my personal identification documents ( driver 's license, Social Security card, birth certificate, tax returns, bank and credit card statements, and other sensitive financial documents ) and used the information gained from those documents to fraudulently open a credit card with Barclays Bank Delaware on XX/XX/XXXX. I became aware of this fraudulent acct when I obtained a copy of my credit reports and saw this acct being reported.
This fraudulent acct is currently showing a balance of {$4000.00}. The last 4 of the acct # are XXXX.
This transaction was not made by me or authorized by me. I have not at any time made my personal identifying information available to anyone, and have not benefited from this transaction in any way.
On two occasions ( XX/XX/XXXX and XX/XX/XXXX ) I reported this fraudulent account to Barclays Bank and sent them the attached dispute letter, police report, proof of XXXX document, and other supporting documentation. However, on both occasions they failed to stop reporting this fraudulent account to the credit bureaus when there is no doubt that I could not have opened this account if I was XXXX.
In accordance with the Fair Credit Reporting Act, I have submitted all required documentation and statements to prove that I was the victim of Identity Theft. However, in accordance with the FTC Notice to Furnishers of Information and section 605B of the Fair Credit Reporting Act, Barclays Bank is failing to adhere to its responsibilities under both.
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| 07/21/2016 |
Yes |
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Web |
Older American |
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I was denied a Barclaycard XXXX with XXXX Rewards. My credit score is XXXX. I have no criminal record. I was unable to solve the problem by talking to their agents. I filed a complaint. XXXX XXXX from Barclaycard responded and after much conversation told me that the denial was due to an old phone number on my application and that I would be approved for the card immediately when I applied. I thought the issue was settled.
Since that conversation, I have received XXXX letters from Barclaycard saying they need further confirmation of my address. They want me to send an original utility bill. I was asked to do this and I did it when I first applied for the card. I additionally sent them a copy of the front page of my tax return. Then they wanted copies of the front and back of my social security card nad my driver 's license. I have received many credit cards and never been asked for any information such as this. Something is very weird and I want to know why I am being refused credit.
I have left messages for XXXX XXXX twice and received no return call.
I had a XXXX XXXX Barclay card at the time I originally applied for this card. So, they already had my information and experience with me as a credit card holder.
I want to know what is going on. XXXX XXXX told me the reason for all this hassle was that I had put an old phone number on my application. I do not believe this is true. I would say my age or XXXX is the most likely reason for the refusal and that they hope to hassle me until I give up. My partner who is a year younger and has a lower credit score was immediately approved for his card.
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| 01/27/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I XXXX XXXX XXXX entered into a consumer credit transaction with BARCLAYS BANK DELAWARE in 2015. The consumer credit transaction included a finance charge, pursuant to 15 usc 1605. A finance charge is the sum ( total ) of all charges in a credit transaction. I, am the consumer and I refuse to pay this alleged debt pursuant to 15 USC 1692c ( c ). BARCLAYS BANK DELAWARE has used abusive and profane language under 15 USC 1692d ( 2 ). I, the consumer XXXX XXXX XXXX is not obligated to pay any debt pursuant to 15 USC 1692a ( 5 ). BARCLAYS BANK DELAWARE are debt collectors pursuant to 15 USC 1692a ( 6 ), they have used instrumentality of interstate commerce and mails in the business principal purpose of which is the collection of debts. Pursuant to 15 USC 6802 BARCLAYS BANK DELAWARE never disclosed to me that I had the option to opt out of being reported in which is a violation of 15 USC 1681b. I deny this debt pursuant to 15 USC 1692g, BARCLAYS BANK DELAWARE never validated any debt. BARCLAYS BANK DELAWARE have contacted an attorney ( Law office of XXXX XXXX XXXX ) who is an uninterested third party in direct violation of 15 USC 1692e ( 3 ), this is false and misleading and misrepresentation or implication that any individual is an attorney or that any communication is from an attorney. I, consumer XXXX XXXX XXXX extended them credit pursuant to 15 USC 1602 ( g ). Pursuant to 15 USC 1602 ( p ) this is unauthorized use, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
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| 11/10/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account information incorrect
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Web |
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This is the second time this has been done to Mrs XXXX by this bank, they have marked her payment as missing or past 30 days late both times now falsely. The one that was marked in XXXX was paid w the rep and marked as 30 days past due over {$2.00} when the payment that was made was made with a rep they did the math removing the late fee and then told Mrs XXXX what to pay.
This incident alone in XX/XX/2020 dropped Mrs XXXX credit 50 points due to no fault of her own. Now it is showing that XXXX was marked 30 days late and dropped her credit yet again but XXXX was fixed. The payment in XXXX was made on XX/XX/XXXX the due date is the XXXX Mrs XXXX has been informing this company the XXXX is not possible since the pandemic has started and has requested her due date changed multiple times on a recorded line since XXXX and its now XXXX to no avail they keep hitting her with late fees at this point it seems purposely Mrs XXXX has an amazing history w this company and her cards her frontier card limit went from {$1000.00} to {$9000.00}, the account didnt start to have issues until The pandemic has hit and again to NO FAULT of her own. Barclays will be lucky if they dont receive a lawsuit for the amount of my refi that I lost due to their company doing illegal and unethical things to me like fraudulently reporting my XXXX payment was late ruining my credit for no reason at all or marking on my credit report a payment missing of less then one percent of the payment that was given and again paid with by your rep. If it were the other way around I would have penalties and consequences why would Barclays not
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| 06/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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|
Web |
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I am writing to express my deep disappointment and frustration regarding the failure to receive the XXXX bonus miles that were promised to me as part of a promotional offer from Barclays US credit card. Despite multiple calls to customer service department and assurances from representatives, I have yet to receive the bonus miles that I was eligible for after hitting a {$3000.00} spending threshold within the first three months of card activity.
I applied to the Miles and More credit card in XX/XX/2023 that is a card that comes with a costly annual fee and with great anticipation, mainly due to the enticing offer of bonus miles, which were a significant factor in my decision to choose the card over other alternatives. As a loyal customer, I have made every effort to comply with the terms and conditions of the promotion, carefully monitoring my spending activity to ensure I reached the required spending threshold within the specified timeframe.
I reached out to customer service department 3 times since hitting the threshold and 3 months waiting time period to inquire about the status of my bonus miles. The representatives I spoke to all confirmed that I had indeed met the spending threshold and was eligible for the bonus miles. They assured me that the miles would be credited to my account within a reasonable timeframe. Despite this assurance, the bonus miles have not been reflected in my account to this day.
Since then, I have made several subsequent call However, no action has been taken to rectify the situation, and the promised miles remain conspicuously absent from my account statement.
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| 02/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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|
Web |
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I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with XXXX XXXX for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been.
Unfortunately, 1 year ago, I was in a financial dilemma due to a car accident and wasn't able to work due to XXXX injuries. As a result 1 of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on one occasion over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss.
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now that 1 late mark on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts.
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries.
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you.
|
| 07/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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|
Web |
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I applied for a credit card from Barclays on a Frontier Airline flight in XX/XX/XXXX. The card was approved and when I received the card in the mail, I noticed that my name was incorrect. When I contacted Frontier to inform them, they could not verify my information in the system. They stated that I needed to send in a number of documents to rectify the discrepancy. I immediately mailed in the required documents.
In XX/XX/XXXX, I recieved the bill for the annual fee of {$79.00}. To my surprise, when I called to make the payment, I was informed that the account was locked and that I would need to submit the same documents that I submitted the prior year. I was frustrated, however I mailed the documents again. I was unable to make the payment because of the lock on the account.
I wanted to use the card to purchase Frontier airline tickets, so I called just to make sure that the card was activated and was then informed that my card was closed and there were still discrepancies on my file.
I submitted the documents every time Barclay 's requested for me to do so. What happened to them? There were very sensitive documents with my personal information on it. How come these discrepancies were never fixed? I provided them with everything they required. This will now affect my credit reputation, which I try very hard to maintain.
Barclays is negligent. Had Barclays processed the documents when they were sent in XXXX, my account would still be opened. I would like this matter investigated ; I want to know what happened to my documents, why they never followed up, and I want my credit card reopened.
|
| 08/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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On XX/XX/2022, my Frontier Mastercard was stolen, along with my purse, ID, car keys, and four other unrelated credit cards. The defendant then used my card fraudulently to make the following purchases : {$89.00} at XXXX XXXX XXXX {$410.00} at XXXX XXXX {$210.00} at XXXX XXXX This card was reported stolen on XX/XX/2022, and these charges were disputed. The card was closed, and a new card was issued. Originally credited back to me, these fraudulent charges again appeared as transactions on my new card on XX/XX/2022. In speaking with XXXX from the Fraud Investigation Department on XX/XX/2022, I was informed that more evidence was needed to support my claim of fraudulence and that the investigation was closed and a police report submission was required to re-open the investigation. Not once was I contacted to let me know this was the case, after I offered the police report number during my first conversation regarding these fraudulent charges. Since the case was active and the defendant undergoing trial, the CO District 18 D.A. 's office was unable to provide a redacted police report until XX/XX/2022. The report, along with a dispute letter, was faxed to the Barclays Fraud Investigation Department XX/XX/2022 and the investigation reopened on XX/XX/XXXX. When I spoke with XXXX on XX/XX/2022, I was informed the investigation was again closed on XX/XX/2022. However, no communication regarding the results of that investigation has been provided, and I continue to receive harassing collections phone calls, accrue fees and interest on the fraudulent charges, and negative reporting to the credit bureaus.
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| 07/18/2015 |
Yes |
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- Credit line increase/decrease
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Web |
Older American |
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I had a credit limit of {$3000.00} on a Barclay Visa card. I co-signed on an auto rental with a temp subcontractor for a one-week term. After 2 weeks I received a call from the auto rental reminding me the auto was due in. The person that had the auto assured me that after the first week, he would return. I could not make contact and when I received call from rental agency at end of week three, I suggested that it should be reported as stolen as I could make no contact. That was in XXXX 2015. With no charges from the auto rental until XXXX XXXX, there were XXXX charges added to my card which put me over the credit limit, imposed by the issuer, a XXXX dollars. I called Barclay 's help line and was told the credit limit was not enforceable. Then I requested that a hold be put on my account, thinking that would prevent any more charges. Then on XXXX XXXX, there were XXXX other charges from the auto rental for some {$3200.00} which then exceeded the credit limit by some $ 4,000+. I was more than shocked and called their help line and was told that a hold would only stop the card working if it was swiped, but would not stop other charges coming thru their system. I then cancelled the card. I sent a fax and XXXX letter to Barclaycard to file a dispute on XXXX XXXX. On XXXX XXXX I was sent a letter in response that indicated they could not further pursue because they tried to call me twice on XXXX XXXX. There is no record on my cell phone of any call attempts from them. The letter was generic with NO NAME or contact number or email other than their Service Center # that could do nothing to assist me.
|
| 04/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
|
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On XX/XX/2020 I placed an order for a furniture Set ( 6 ) pieces for {$2700.00} with Merchant XXXX using my Barclay 's Bank Master Card Account.
In XXXX I received only a partial delivery of the furniture ( 4 ) pieces from the Merchant who notified me that the other pieces of the set were now backorded due to COVID impact on production.
I filed a dispute with Barclay 's to delay payment of the set until we could verify that I could receive the entire set. Barclay 's removed the charge in XXXX while investigating, but then returned the charges in XXXX stating a refund could not be made by the Merchant.
I contacted XXXX in early XXXX and we discussed the item was still in backorder so they should pick up the ( 4 ) items and cancel & refund the order. XXXX Agreed and I have attached the documentation. XXXX did pick up the ( 4 ) items and issued a refund on XX/XX/2020.
Barclays was notified by me throughout this process and provided ALL documentation but never issued the credit. To date, this transaction was never completed, the order canceled & refunded by the Merchant - however Barclays is still billing me for {$2700.00} plus late fees and interest.
I have faxed documentation to disputes on too many occasions to list.
Emailed and called representatives.
Mailed documentation to Barclay 's Home Office in Delaware to the complaints department and receive no response. The Account I hold with them remains in arrears due to their internal incompetence.
See attached file which included refund and return confirmations from XXXX as well as written correspondence to Barclays.
Regards, XXXX XXXX
|
| 08/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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n XXXX-and XXXX of the year XXXX my credit account had become past due with Barclays Bank Delaware, However I have no memory of nor record of the bank ever trying to contact me to let me know my account was severely past due, and since disputing the matter with them through XXXX, the bank has made no attempt to provide me any backup that they did try to contact me to let me know my account had been past due, and was not on auto pay. I at the time had another account with Barclays that was on autopay and was being paid on time and in full every month, so in my checking accounts, I was seeing a withdrawal to Barclays and had no indication that the account was past due. The Bank again, made no attempts that they've been able to provide proof of that they attempted to contact me at that time to let me know my account was 30 60 and then 90 days Late. And when I finally became aware of the mistake, I corrected it promptly. I've asked the institution to both provide proof of the lateness and the attempt to contact me, and asked for leniency in the matter considering both the fact that this was at the beginning of the COVID 19 pandemic, and that they failed to alert me, however on all atempts to resolve this matter between us they have failed to provide anything other then generic and cryptic responses, with no backup, just a promise that " and investigation '' had been conducted. I ask that CFPB please ensure Barclay knows that I am both entitled to a detailed response with investigative evidentiary proof and that if they can not provide this that they must remove this blemish from my credit files.
|
| 09/23/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
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|
Web |
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My XXXX XXXX credit card was switched over to a new company ( Barclays ), during the transition process, I never received a card/new account number. When I tried to pay the bill thru the old system, I was not allowed and told I had to use Barclays. When I contacted Barclays, they said I needed my new account number to make a payment but it could not be provided via phone. They stated they would mail the information to me. The balance was Paid in full once the account situation was worked out and I was told that the late fee 's and additional interest would be reversed due to the error. I keep receiving late fee 's and interest EVERY month since XXXX because of a balance due from the late fee that was supposed to be reversed. Every month, I call and speak with an Agent. Every month they apologize and tell me that my balance is now {$0.00}, and I will need to wait until the next billing cycle to see it reflected on my statement. Every month there is a NEW late fee and interest charge added. Now I'm being told that the late fee is valid because I paid my bill on XX/XX/22 ( It was due XX/XX/22 ), but because their system didn't actually process it until XX/XX/22 I have to pay the late fee. They have now reported the late fee 's to the 3 major credit bureau 's impacting my credit score. How am I responsible for a late fee when I paid the payment a day before the due date? How am I being punished because of Barclays processing system? I was told by one agent that something was sent to the Credit bureaus to correct my report, then told by the very next agent that I would have to dispute the error.
|
| 08/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
Older American, Servicemember |
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Barclays claims I owe money. In fact I paid this debt to XXXX prior to Barclays taking over the XXXX Credit Card XXXX from XXXX Banking. I previously filed a complaint with the CFPB ( XXXX ), but the description of the CFPB complaint and resolution according to CFPB doesn't define the problem and the issue certainly should not be considered resolved. Attached is the letter I transmitted to Barclays requesting action to resolve the issue.
XX/XX/2021 -- I received a statement from XXXX indicating I owed {$310.00}.
XX/XX/2021 -- I mailed a check ( # XXXX ) to XXXX for {$310.00} to clear this debt.
XX/XX/2021 -- XXXX deposited check ( # XXXX ) electronically to their account. Please see the attached copy of my XXXX XXXX XXXX Bank statement for documentation. I have redacted my checking account number for confidentiality. This means the debt was cured on this date and therefore no longer existed after this transaction.
XX/XX/2021 -- Barclays takes over administering the XXXX XXXX XXXX.
XX/XX/2021 -- Barclays processed a withdrawal from my checking account for {$310.00}.
XX/XX/2021 -- XXXX XXXX XXXX Bank approved my request to credit my checking account regarding erroneous Barclays ACH transaction.
XX/XX/2021 -- Barclays wrote that I was now subject to interest, penalties, and fees because of late payments on the {$310.00}.
XX/XX/2021 -- I notified Barclays of their mistake and asked for correction.
From my perspective the {$310.00} debt was cured on XX/XX/2021 when XXXX electronically cashed my check. The facts are clear that Barclays has no standing on the {$310.00} to demand payment.
|
| 09/10/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Barclay shows payment due amount, and when I make the payment, they use it to credit the month I already paid. This is not the first or second time they did this to me, this is done to take away my 9.99 % Fixed interest rate. The first time they did this, I didn't catch it until I saw they said I didn't make a payment last month, and raised my interest rate to some super high amount, and put me to a Variable rate instead of a Fixed rate I had. I contacted many Officials that couldn't help, but XXXX XXXX XXXX Office got involved and said if I pay the three months of payments I owed ( While I was arguing with Barclay ), they would put everything back as was. I immediately made the payments and all was good ( for one month ). After that month Barclay decided to XXXX up my interest rate again, and put me back on variable rate. I once again contacted XXXX XXXX XXXX XXXX and the again got it straightened out. I had to watch online to see when a payment due amount is shown, before making a payment. Once again it had shown an amount due, so I made the payment, and once again they credit it for the prior month ( on purpose to remove my low interest rate? ). I called and asked them to change it for the correct month, and they said they couldn't, and I had to pay a second payment that month to correct it, or ask my bank to request the money back, witch could take more than 25 days. I had the same problem, and Barclay said they can't fix it. Barclay has no logical reason for doing this, and should be stopped. This time I have taken a screen shot before making the payment to prove what they are doing.
|
| 05/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
XXXX XXXX presented an offer for their credit card, issued by Barclays Bank, to all passengers on my XXXX XXXX flight from XXXX, Hawaii on XX/XX/XXXX. The flight attendant clearly explained several times to all passengers that this new and improved offer now includes XXXX bonus miles that are added to your XXXX account after your first purchase ''. The flight attendant repeatedly stated that you only need to buy a pack of gum and the XXXX bonus miles will be automatically added to your XXXX account. She also stated that this many miles is enough for two roundtrip tickets from the west coast of the continental US to Hawaii. She walked down the aisles passing out brochures and told me that I can apply when I get home. I asked for a brochure and saw that it is also stated in the brochure Earn XXXX Bonus Miles after making your first purchase.
Based on this offer, I completed the application on the website that is listed in that brochure ( XXXX ) and it was approved. This website is owned by Barclays Bank. On the home page of this website it is also clearly stated in bold letters Earn XXXX Bonus Miles after making your first purchase. I received my credit card in the mail and I immediately made a few purchases on it to fulfill my obligation to earn these XXXX bonus HawaiianMiles.
However, my online account now states that I need to make {$2000.00} in purchases within the first 90 days before I get any bonus miles. I have spent many hours contacting both Barclays Bank and XXXX XXXX multiple ways, including speaking to a supervisor, but both companies are refusing to do anything to fix this.
|
| 03/22/2017 |
Yes |
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Web |
Older American |
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XXXX - the cellular service provider made a series of unauthorized charges. Attempts to contact and resolve failed as they did not pick-up calls and did not respond to emails ( receipt of which they acknowledged ). Few of the charges they credited back, but several remained unresolved. Barclays Bank, as instructed by them, was called and dispute and request for chargeback were made. The bank attempted to contact the merchant by phone but failed. As usual with that Bank - they DID NOT DEMAND DOCUMENTATION FROM THE MERCHANT. The bank, as I experienced previously, demanded from me that the account be closed and new credit card numbers be issued. That is not acceptable nor is it authorized way of resolving billing disputes. This bank does it for years and I experienced it many times. This bank does not follow Fair Credit Billing Act and their employees are trained to push back and force customers to declare fraudulent transaction by an unknown actor in order to force the change of the card number. That is neither true nor legal.
The dispute and chargeback process has the ability to correct banks behaviour. Changing the credit card number punishes the consumer as this forces the change of card number in many other places where the consumer might have set-up recurring charges.
The offense by the bank is not only in abusing FCBA, but also in machinations to delay the process. The dispute was setup on XXXX, on XXXX I received the denial letter ( without any documentation ) demanding that I authorize closure of the account - but the letter was dated XXXX, and the bank did not mail it until XXXX.
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| 02/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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My husband already submitted one request last night with my account as a joint claim. After speaking with the credit card company, my husband 's claim was reopened with the credit card company but mine was not. we had charges placed onto credit cards that we had no idea that we were getting. I ended up getting my own account after signing as a joint applicant on this generic/blanket credit application under my husband. I assume the vacation club took my information from the papet and put it into a separate application. I have a charge of {$2200.00} on my card. like my husband stated, we did sign a membership contact which is now cancelled and this has nothing to do with us authorizing this vacation club to take money off of credit cards that we didnt know about. we NEVER signed a receipt or verbally authorize this vacation club to take money from these credit cards. There were no services or Supplies rendered. we also let the vacation club keep {$1000.00} dollars from our bank account during this cancellation. It would not be right for them to keep the {$2200.00} from my card and {$4500.00} from my husband 's card after illegally taking the money. The credit card company sided with vacation club after they showed them we signed a contract for a membership with them and failed to cancel during the 3 day cancellation policy. yes, we failed to cancel with them after being toyed around for a year with lies about not being able to cancel. at the end of the day, this vacation club contact has nothing to do with us authorizing this company to take {$6700.00} dollars from us without our consent.
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| 11/12/2015 |
Yes |
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Web |
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Hello, Today I received an email from Barclaycard XXXX The message reads as follows ... ..
Dear XXXX, We 're confirming your recent request to change the telephone number on your account ending in XXXX on XXXX/XXXX/2015.
Next time you need to make updates to your account, visit us online at www.BarclaycardUS.com and click Your Profile.
If you have n't registered your account with us, just follow the online registration process to start seeing your account information wherever and whenever you choose.
If you do not recognize this request, please contact us immediately at XXXX XXXX XXXX XXXX.
-end message.
Realizing I never put in such a request, I did of course call the phone number listed. The automated system confirmed my identity and after doing so began to remind me that my payment was over-due ( I asked to have the card closed and sent to collections, barclay card is continuing to keep it open and charging me interest ). I dialed zero until a person came on the line. This employee looked at the record and saw no change and confirmed that my current phone number was still the phone number on file. He also asked me if I have ever had a different phone-number, irrelevant question, and my answer was no. I then asked to speak to a supervisor who had nothing constructive to add. I believe this email amounts to nothing more than self administered corporate phishing. It is a disgusting, outrageous practice which utilizes the fear of losing your personal information to compel the consumer to call in to the phone number provided only to be reminded of the debt that needs servicing.
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| 11/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In XXXX of XXXX I was notified of a " late payment '' on my American Airlines Barclays MasterCard. This card is typically a dormant card and has had XXXX to little use. The card had a {$12.00} Equifax charge which I disputed, then tried to pay online in XXXX, which then turned into a late payment in XXXX and accrued fees that I was not aware of due to their system not working for my payment. I tried to pay the account in full in mid XXXX but received multiple error messages on their website while making the payment. In early XXXX XXXX then paid again for the total amount due including bogus late fees and monthly service fees. In XXXX I spoke to a XXXX who stated they would remove all late fees and the reporting of Late Payment to the credit companies due to error.
In XXXX or XXXX I checked my report again and the late payment was still there. I disputed with the credit bureaus and got a letter from the company stating their reporting was accurate. Even though their system did not work when I made payment and called several times to make arrangements.
I 'm trying to get a mortgage right now, and this has lowered my score by XXXX points on two of the reports that have the late fee. I 'm at XXXX on XXXX and XXXX on the XXXX others, which disqualifies me from the mortgage for me and my family. XXXX all over {$12.00} in dispute ) This is truly unfair treatment as I have excellent credit otherwise and ca n't believe I 'm being disqualified on my new home over an item I thought I had cleared up. Please help me resolve this and get it off my report so me and my family can move into a home.
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| 08/21/2015 |
Yes |
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Web |
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I set up automatic minimum payments for all of my consumer credit cards in XXXX for automatic payments to begin in XXXX, XXXX of those accounts being a Barclaycard Account. My barclay payment was due on XXXX and on XXXX I received an email from them asking if I forgot my payment. I immediately logged in to my account to find out that my monthly minimum payment had not been made and as such, a late charge was accessed to my account. I made a manual payment and sent an email to barclay asking what happened with my auto payments. After 2 or 3 days with no reply, I called barclay. Not only was I concerned with the fact that the auto payment was n't applied, I was requesting that the late fee be removed as I felt this was their error. After waiting on hold for nearly XXXX minutes, the rep advised me that my auto payments were submitted successfully but they were submitted after my cycle end date, so they would n't begin until XXXX payment. I completely understand this, although none of my other credit cards do this, and apologized for the confusion. I asked if she would, out of courtesy, refund the late fee. She refused to do so because it was a " valid '' charge. I spoke with her manager XXXX who advised that she wold have refunded it already if she could, but the system wo n't allow it. I feel as if Barclay is taking advantage of me as a consumer by not readily disclosing their policies, especially when the differ so much from other companies. I should have received something from them letting me know my XXXX payment would not be paid automatically so I could have made the payment myself.
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| 01/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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On or about XX/XX/22 to XX/XX/22, XXXX charges were made to my Barclays account by a dentist : {$1000.00} for the future cost of a crown, {$99.00} for some " club '' that they have which supposedly lowers the price of your services, and another {$99.00} which I presume was for the visit, which pretty much entailed having XXXX of their nurses glue the broken crown to the other half that remained in the mouth, and which promptly broke off again that evening at home. They glued the broken crown because their facilities did not have a lab that could do a temporary crown. Once the crown broke again, I knew I was not going back, called them the next day, canceled the crown, and demanded all my money back. I then disputed the charges on my bank card. Eventually, the dentist sent me a check for {$1000.00}, but nothing for the other {$190.00}. Barclays has embarked on a course of action that is at least inappropriate, if not illegal. They have added and removed these amounts at whim, without consulting with me, and the latest thing they did was send me a package ( more like a book ) of papers about the issue, I'm assuming. My eyesight is impaired and I can not be expected to read it. On information and belief, Barclays was aware of my eye condition before but, if not, I made sure to remind or notify them again tonight, when I tried to reach Barclays again. Unfortunately, or conveniently, the right department was closed tonight. Instead of a book, I need them to make sure that the {$1000.00} ( if paid by me on the account ) was reversed, and that I get my XXXX {$99.00} charges returned as well.
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| 12/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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A fraudulent account was opened online, in my name, with Barclays Bank Delaware on XX/XX/XXXX.I have opened disputes with credit bureaus, reported to Barclays Bank Delaware fraud department for investigation on XX/XX/XXXX when I became aware of the fraudulent account. I also placed fraud alerts and credit freezes with all 3 credit bureaus. On XX/XX/XXXX, I filed a police report with my local police department about the fraud/identity theft.I received a collection letter for a separate, fraudulent account. This prompted me to check my credit report, where I discovered two fraudulent accounts, one being with Barclays Bank Delaware in the amount of $XXXX. I have never received a card for the account with this company, I never received any billing statement, online or by mail, and my email address and phone number is not associated with the account. I did NOT apply for the account!!!Barclays Bank Delaware also never contacted me to verify my identity before the account was fraudulently opened in my name!Barclays Bank Delaware has been unhelpful in resolving this gigantic problem. They are also not accepting the fraudulent claim due to the account being in my name, even though I, personally, have never opened an account with them. I have taken all steps to prove my innocence and to get this removed from my credit report. I've placed fraud alerts, credit freezes, reported to the FTC, filed a police report, and have sent them letters and documents recommended from FTC as well as a copy of my identity theft report. They still will not accept my fraud claim and remove it from my credit report.
|
| 08/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite my previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or upated immediately. Account number XXXX, account number XXXX
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| 11/29/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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Not reporting correct amount -- -> Barclay I have disputed this matter with all three credit bureaus as well as credit card company, Barclay . I disputed a charge on my credit card after not receiving the product. And Barclay removed the charge and then later reapplied the charge without notifying me why the charge was reapplied after I did not receive the product. Barclay did not respond to any of my inquiries sent via certified mail. And then began reporting the incorrect amount to the credit bureaus. I disputed with all three credit bureaus. After the second attempt, XXXX investigated and was able to determine that the amount being reported is incorrect and/or could not be verified and therefore removed the account from my report. I have disputed with both XXXX and XXXX and the investigation process is insufficient. I have provided supporting documentation of the letters sent and never got a response from Barclays. The last response I received from Barclays was in XX/XX/2016, when they put to monies back on my card after removing it. I never received any other correspondence from the company after several attempts to reach out and see why the monies was put back on my account without notice and/or I still never received the product that was promised from the vendor. This account is now closed, " charged off '' due to dispute never being acknowledged. I refuse to pay amount and interest for items I did not purchase. I need this account removed for reporting incorrect balance to credit bureaus and not acknowledging my disputes with company. This has been going on for over 3 years.
|
| 05/02/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I have a XXXX VISA credit card issued by Barclay 's Bank. I have been the victim of Identity Theft, and have made out the appropriate report with my local police agency. I have notified XXXX VISA that their are charges on my account that are not authorized by me and therefore are fraudulent, and requested they provide me a statement with the charges I did occur so I can timely make the montly payments as I always have. Instead they have reported my card as delinquent to the three Credit Reporting Agencies- ( XXXX ; XXXX ; and XXXX ) -and have placed my account in transaction.
At one point in time, before I had ever used the card once, I attempted to use the card for a hotel room. I made an online reservation through a 3rd Party, and when I went to check in was told that I could not use the Card as it was overlimit, and at that time I had not even used it once. I contacted XXXX VISA, spoke to an agent and expained the situation. As I was in a lofecation I could not return home safely at that time of night, the XXXX VISA agent authorized my use of the Card to check into the hotel and remain there for one night until I could return home safely. I then attempted to recheck in the hotel and was denied, again told my XXXX VISA was overlimit. I recalled XXXX VISA who defamed me and said I never talked to an agent who authorized me use of my card for one night. By the time this procedure was over, it was too late at night for me to safely return home and I was stuck in an unsafe area, strictly because of the reprersentation by the XXXX VISA agent I could use the card several hours earlier.
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| 04/30/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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XX/XX/XXXX, family member contacted by a company called XXXX XXXX. XXXX XXXX XXXX regarding a credit card from XXXX. Account has been written off a long time ago. She gave an amount and said she was calling in behalf of Bank of Barclays. sHe did give me a supposed balance due and a settlement amount figure. As I asked more about this debt, she became very rude. Then she said I had a choice to settle or go to court. I was being served if I didn't handle debt today. I was hung up on as I asked more details on who the debtor originally was with and can i have a contact number. I called back to speak with the person and she proceeded to tell me she was not up for discussion. All information was verified and they were going to serve me. Believing this is a collection company trying to strong arm me into paying them something because they bought the bad debt. i agreed to pay a settlement amount and set up payments. a form was sent via XXXX and i signed it thinking everything was legit and money would be drafted. today i received a called from unknown that says : This is XXXX with XXXX XXXX contacting me on a complaint case. She said i had discussed with them on arrangements of XXXX. ( I intentionally scheduled payments on paydays to make sure funds was in the account. ) She stated the case is now active again because the installment was declined. if i don't contact them by XXXX to settle, i will need to appear in court. they left a number of XXXX ext XXXX. This number does not even work. I have called multiple times from different phones. Now I think, I have been set up and this is a scam.
|
| 12/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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|
Web |
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I called Barclay 's in early XXXX to increase my credit line on my card. They increased it to {$10000.00}, I enrolled in the 0 % APR until XX/XX/XXXX at this time. When I received my XX/XX/XXXX Statement it doesn't show on the bottom that I owe {$1500.00} at 0 % APR like other credit card statements that I've had in the past. So I called Barclay 's and the agent said that the offer is not activated on the account and they couldn't back date the offer to be placed on my account. I told her that I wouldn't have took a hit on my credit bureau to increase my credit line if I didn't activate the offer. She said her hands were tied. So on XXXX I made the full payment so I don't have to pay interest on the account. Today, XX/XX/XXXX I receive an email ( attached ) that my 0 % offer is still active. When I phoned into to confirm the first rep stated I didn't have this offer on my account, I asked to speak to a supervisor, when she pulled up my profile she said she sees the offer and it expires on XX/XX/XXXX. I asked her where on my XXXX statements does it show that the {$1500.00} was at 0 % she said it wouldn't show, I will have to call in to see when the APR expires. So now I paid the {$1500.00} in advance and lost out on using the promo. I think this is an error on how Barclay 's statements and how their agents are trained how to see offers on customer 's profiles. I asked for a refund of my {$1500.00} payments so I can break the payment until XX/XX/XXXX they said no they can not. They literally advertised and offer and didn't provide proper documentation for me to understand my payments.
|
| 08/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Older American |
|
We applied for a Frontier Mileage Credit Card and Barclay bank on XX/XX/XXXX. We were approved and never received the card but received a bill on XX/XX/XXXX for the {$89.00} yearly fee.
We called and explained that we never received a card in the mail. We live in an area that doesnt use mailboxes and we have a po box , and apparently Barclay Bank does not send to po box ES so we gave our physical Address but explained that the zip code needed to add 4 extra numbers, which is typical, since the mail carrier would know that we use a Post Office Box.
The representative said she was entering the situation in the notes and could clearly tell that the card had never been received or activated. She said she would try again as before the card was not received. Yet we did begin receiving late notice charges of {$29.00} for the initial yearly charge of {$89.00} yearly fee for the mileage card.
We again spoke to a representative, XXXX employee # XXXX on XX/XX/XXXX. We clearly explained we wanted to cancel the card because we never received it and so could never activate it. At this point we were well past the amount of calendar days we had to spend the minimum charges to receive the award miles. He again said he could see that the card had not been activated and he again tried to assure us that the card would be resent and we would have the dates recalculated to receive the miles.
At this time we are still receiving late fees on a card that we never activated and so this transaction was never finalized. There has never been an exchange of anything of value to constitute a legal transaction
|
| 09/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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|
Web |
Older American |
|
On XX/XX/2020 and again on XX/XX/2020, my credit card was erroneously charged {$18.00} on each date. After writing to the credit card company, I received form letters stating my complaint was resolved in my favor and both times the {$18.00} charges were reversed.
Again on XX/XX/2020, another erroneous charge of {$18.00} appeared on my statement and I sent another complaint on XX/XX/2020. I received the standard form letter ( dated XX/XX/2020 ) stating they will investigate and that they " will send me a letter detailing the results of our investigation '' and that my account would NOT be " subject to interest charges and you do not need to pay any portion of the disputed transaction ''.
Except for the {$18.00} charges, every single month prior to the due date, I paid all balances in full. I made no purchases in XXXX and XXXX so I received neither a XXXX nor XXXX Statement nor a letter from them detailing their investigation results.
I made a purchase on XX/XX/2020 and therefore received a XXXX statement which reflected that purchase, plus the XX/XX/2020 {$18.00} erroneous charge, plus numerous late fees, misc fees and interest fees equaling {$75.00}. I paid the purchased item immediately.
After nine ( 9 ) monthly detailed letters to them, a phone call and nothing but lip service, the erroneous {$18.00} charge has grown to {$300.00} because of their monthly late fees, and all kinds of interest fees. In XXXX I did receive a form letter from them stating their charges were valid but DID NOT state why or the results of their investigation which in the past had proven erroneous.
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| 06/28/2015 |
Yes |
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Web |
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I had a XXXX XXXX card, rarely used it, and wanted to cancel it. There was a charge of {$9.00} on the card, with no identifying information, so I assumed it was a monthly charge by Barclay 's ( XXXX ). I paid it for a couple of months, and finally called to cancel my card ( tore it up ). I thought that was the end of it. Since my call, I have continued to be billed for {$9.00}, plus interest, plus a {$35.00} Late Payment Fee EVERY MONTH SINCE XXXX 2015. I have spoken to numerous reps and reported it as fraud since I had no idea what the charge was, after confirming with the reps that it was not a XXXX charge. However, they did not give me any info on who was charging my card every month, and they told that even after closing an account, they still allow businesses to charge a person 's account. This is an outrageous and the fact that I have had to spend hours of my time while working full-time, not ever knowing who the vendor is charging me {$9.00} every month months after my closing this account is an unfair, unethical business practice on XXXX 's part. It must stop. I am now writing to the company ( on a Sunday when I should be relaxing, going to church, visiting family, and getting to work the next day ). The fraud department at XXXX has never contacted me about the results of its investigation at all. I have only spoken ( at 3x ) to customer reps and to the fraud department upon my initiation, not theirs.
I need to be credited all the charges from the moment I called to cancel my card ( XX/XX/XXXX or XXXX 2015 ), and my credit worthiness should not be impacted by this charge.
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| 09/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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My wife and I, after all this world Pandemic, went to XXXX XXXX and purchased a timeshare through a company called XXXX XXXX XXXX.
They were asking for XXXX dllrs down-payment and since we didn't have that they offered us to apply for 2 separate Barclay 's RCI credit cards on the total amount of XXXX, XXXX dollars.
My wife got approved for XXXX and I got approved for XXXX.
We were told no late fees and no interest for one year.
2 weeks after we came back to XXXX XXXX CA, where we live, they charged our credit cards for the XXXX dollars but they needed us to activate the cards.
So we called Barclay 's RCI, activated the cards, I verified there were no late fees or interest and that was confirmed to my wife and I.
My first payment to them ( Barclay 's ) was suppose to be on XXXX, but I realized when I tried to log in into my Barclay 's account, there were 2 charges, one for a late fee of XXXX dllrs, and one for purchase interest for XXXX dllrs, I have tried calling and asking to get this fixed.
XXXX XXXX ( XXXX XXXX ) said they can't do anything because all they did was provide me with the form and they sent the application to Barclay 's with my socials security and my wife 's social security and all the other personal info, they said they can't talk to Barclay 's because I'm the account holder not them but they assured me AGAIN AND AGAIN THAT THERE SHOULDN'T BE ANY FEES OF ANY KIND FOR THE FIRST YEAR.
My wife does not work, she got let go during the Pandemic.
I've already tried talking to everyone.
I wan na pay what's fair and what was said and agreed to to my wife and I.
|
| 07/11/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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I have written to and called both Barclaycard and XXXX many times over the past few years. I bought one laptop from XXXX in XX/XX/XXXX and they charged me for two. The first time I called, I spoke with Barclay and they claimed to have fixed the problem. Then the second laptop which I did not purchase was added back onto my statement in XX/XX/XXXX, and Barclay said XXXX claimed that it was a valid purchase.
I have called, written, and faxed both XXXX and Barclay multiple times and no one has solved the issue. I am paying an additional $ XXXX and interest on a second laptop which I have no purchased and I am no longer making payments. I made all of the payments I owed to the company to this point and if I were charged the correct amount, my payments would be finished by now. This is why I no longer make payments to Barclay. I have paid my dues and I will not pay more.
That being said, I have attached all the communications which I have sent to the companies and all the necessary details are included in the documents. I have done all the steps I have been instructed to do and have provided plenty of time to resolve this issue -- far more than needed. I do not want my credit report to reflect negatively on me because of an issue that has not been resolved. The last communication I sent was on XX/XX/XXXX and I have received no follow up to date. I sent two faxes and seven hard copies to various departments of Barclaycard.
I am extremely disappointed with both companies and I strongly suggest never using the service or purchasing from them because they will not solve your dispute.
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| 03/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
|
| 09/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
Servicemember |
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I contacted the XXXX XX/XX/XXXX in reference to an account with Barclays. After the XXXX contacted them I got a call from someone in HR 3 weeks later saying they were working on my complaint and someone would address it in a few more days. I called back several times before I reached someone who saw the notes on the account indicating a settlement offer could be initiated. I was told the settlement offer was {$1100.00} and it could be sent overnight to XXXX XXXX XXXX XXXX DE XXXX. I was pre-approved for my mortgage XX/XX/XXXX. I was told this account was still showing an open balance of {$2500.00}. It was never updated to " balance XXXX, settled for less than the full balance. On XX/XX/XXXX, myself, my lender, and the credit department from my lenders office called on a conference call, and was told the payment was received and I owed nothing. Fast forward to Monday XX/XX/XXXX I called Barclays inquiring about why the debt hasnt been updated on my credit report and I was told because I didnt pay the entire balance. I asked the rep to review the notes on the account, which she did. She came back and apologized after seeing the notes, gave me a reference number XXXX and no explanation as to why 3 months have passed and this has not been updated on my XXXX credit report. They acknowledged the payment had been received and I know it was received because it was sent certified mail. I need it DELETED from my credit report at this point. Calling is a hassle because a person will be transferred 3-4 times before getting to the correct department and the problem still will not be resolved.
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| 04/27/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Privacy issues
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Web |
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On XX/XX/2019 I received a letter from one of my credit card companies named " BARCLAYS ''. I'm not a new card holder with BARCLAYS, but I've been holding their card for many years. I was shocked that Barclays was the ONLY bank from the banks I hold their cards, asking me to confirm my name, physical address, and the thing that offended me the most is questioning my citizenship ( see their attached letter/copy ). I took offence because they are claiming the USA Patriot Act is the reason for their questioning, at the same time, NO other banks sent me such letter and I have few credit cards! I want your office to understand that I don't have checking, saving or any other accounts with Barclays except the credit card ending in XXXX. I'm the sole user of the card that I been carrying for few years. I'm not convinced that EVERYONE that is a credit card holder with Barclays was mailed this exact letter. My belief tells me this is a " Racial Profiling '' case. I'm wondering if my name for example was " XXXX XXXX '', would I have received such a letter? I am a U.S. citizen living in the U.S. for the past 38 years. I'm filing this complaint with your office with the recommendation of State of Minnesota Office of The Attorney General, to investigate if Barclays sent this exact letter to ALL of their credit card holders OR only a selected few. As you can see in their letter, in bold lettering they are threatening to close the account by XX/XX/2019 if I refuse to submit the information. I'm more than happy to close the account myself if indeed it turns out to be racial profiling. Thank You.
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| 01/10/2024 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Both of these companies have been trying to collect very old debt from me, I was injured a long time ago and since then have been put on a fixed income so fixed that I had to file bankruptcy. In the case of XXXX XXXX, I had two purchase guarantee agreements with their card they failed to uphold. They agreed to honor their policy which says if my purchase breaks or is not satisfactory I will get a full statement credit. I submitted a complaint and filed a claim with their department for on two purchases totaling about {$4000.00}, I was told my card would be credited that amount from XXXX purchases because my mowers broke and a service center could not be located in my zip code area. I filed an arbitration grievance when I did not get my statement credit and I was ignored. I followed every step on the back of my statement for XXXX XXXX and they still failed to honor their policy. They instead filed suit and damaged my credit.
The second credit card holder XXXX was advised that I was no longer able to work and afford the large amount of payments from their company, I was advised that I could file for a hardship and have my payment reduced and late payment stopped this ever happened. The account was closed and aged off of my credit reports. Today I received a letter from a lawyer that I was being sued for {$10000.00}.
Third, both of these should have been included in my bankruptcy and should not be contacting me or trying to seek to collect any debt from me at this point. I was advised that every creditor would have been contacted by the bankruptcy court at the time of discharge.
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| 02/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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My name is XXXX XXXX my social security number is XXXX and my year of birth XXXX my barclays us credit card is XXXX XXXX and my other card is XXXX my complaint is that I've been s good customer for 9 months and made my payment s on time. I got my credit line increase. Then all of sudden the risk department unlawfully block my account without telling me until I call them and they wanted me to send a 4560t form so I did along with my photo ID and all of sudden they didn't let me send this on a timely manner reason is that it takes time for the irs to send my tax information and they made a XXXX excuse that the documents were not clear enough. And close my accounts right away I felt discriminate here it was really done because my credit line was increase from 500 to 6700 and I was credit worthy. And they did this to me because I'm XXXX and the credit analyst that increase my limit was a minority women. But when I ask prior the XXXX credit analysts denied me. So the problem here is that barclays pull a fast one and the XXXX credit analysts put my account under review after the XXXX credit analysts approve my limit increase up to 5000 and the other limit was move to my card. And the other problem here is that barclay pull my report multiple times example if they pull a report today and increase my limit. And say I ask for a new increase again in the same day they will pull another credit report with the same information instead of using the prior credit report. .that putting more inquires on my XXXX XXXX credit report XXXX Also I. Asking barclays to removed those duplicate inquires.
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| 04/29/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I XXXX XXXX. XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau, because Barclays Bank refuses to protect my rights under the Fair and Accurate Credit Transactions Act. I was a victim of identity theft by my ex-wife during divorce proceedings, and Barclays Bank as well as their respective lawyers trying to collect this debt are aware of all of the facts. If Barclays Bank ever decided to take legal action on this indebtedness, they will find the case thrown out of court with prejudice. Accordingly, the only thing that Barclay Bank can do is damage my personal credit rating to partake in this fraud. I believe that any continuance on collections must cease and desist immediately, and that any reference to this account on each credit bureau should be deleted permanently. Identity theft has been proved and the attached documentation shows my position to be honest, along with a final divorce decree by the judge in said case docketed as XXXX, XXXX Division, Commonwealth of Massachusetts, Probate and Family Court Department. Barclays Bank continuing with a negative reporting of the XXXX XXXX credit card on all respective bureaus is a violation of their subscriber agreement whereas honesty and integrity must be maintained and consumers rights under the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act and the Fair Debt Collection Practices Act must be strictly adhered to. My complaint is solid and based upon a true definition of identity theft. My name must be cleared across the board on this matter.
XXXX XXXX. XXXX
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| 07/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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My Carnival Master Card has had fraudulently been used. I usually only use it XXXX For small purchases. In XXXX I received notice that over {$10000.00} had been charged against my card in XXXX XXXX an other places including car.
Rentals. I contacted XXXX XXXX XXXX XXXX and informed them of the issue. They said they closed the account and sent a new card while the fraud was being investigated. I never received the new card and more charges were made. I contacted them again and informed them I never received the new card and more charges were being made. They sent a third card which I never activated and they allowed more charges. I contacted them again and informed them again and told them just to totally close the account in XX/XX/2022 and I destroyed the card I never activated. In XXXX I received a letter stating that I had authorized a car rental for over {$3500.00} I called them again and told them that I have never rented a car and did not authorize any rental and that the account was closed. They said that there were new charges in XXXX and I asked how they could allow charges to continually be made on an account that has been closed. They said they would report it as fraud. Now I received a bill in the mail from them telling me that I owe over {$29000.00}. They had issued me a fraud case # XXXX in XXXX and said this case would be cleared by XX/XX/XXXX. Please help me as I can not get this matter cleared up with them and my credit score has dropped from XXXX to the XXXX and I am not responsible for these charges. They are also charging me interest and late payment fees.
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| 08/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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I have a store credit card through Barclays. back in XX/XX/2023 I contracted XXXX and missed a lot of work. I also misse y payment due to being so sick! I called Barclays at the end of XXXX and asked them to make a payment plan to catch up and was given dates and authorizations over the phone for several dates for my card payment to be directly taken from my account! To bring it up to date. They assessed one payment and the reported to the credit bureau that I was over 30 days late to XXXX. Which resulted in lowering my credit limit and my credit score and I was not notified even through letter that any of this was taking place. The person on the phone made it seem they were sympathetic that I was going through the after math of XXXX and they were enrolling me in a program to get caught up and all the whole they were plotting against me to decrease my credit limit ; increase my utilization, and lower my score! I have had this card for over 6-7 years and NEVER had a late payment on my credit report! However before last year the store card was through XXXX! I did not start having issues until my card was transferred to Barclays! When I called the company to dispute and try to rectify the problem the rep and their supervisor said they cant see the screen past a certain point. They said they could see that my card had a payment plan but did not see why they didnt go through. There were funds on my account to pay. And if it didnt have funds or for throughly they would had contacted me through phone or mail! Both the rep and the supervisor stated there was nothing they could do!!
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| 06/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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While on a flight back from XXXX and XXXX on XX/XX/2023 on XXXX XXXX the flight attendant came over the loud speaker to announce an offer for a AAdvantage Aviator Mastercard through Barclays Bank. It was announced that this was a special promotion for this flight that if you signed up for the card you would receive XXXX bonus miles upon approval and your first purchase. Additionally they had a special that upon approval you would also receive XXXX XXXX XXXX tickets that could be used anywhere in the XXXX, INCLUDING Hawaii. I verified this with the flight attendant that it was in fact XXXX TICKETS and the XXXX bonus miles not that the bonus miles could be used for XXXX tickets. The flight attendant confirmed this. When I called Barclays upon approval for the Card they told me that was not in fact the case, and you only got XXXX bonus miles. Their agents through the airline ( which has the flight attendants initials on it, assuming they get some sort of bonus for getting people to sign up ) are misleading people and at the very worst are outright lying to people to induce them to sign up for a Credit Card so that they can profit on it. They certainly are not holding up their end of the bargain. I have already spoken to several people at Barclays who at most have offered XXXX miles for the " misunderstanding ''. Its not a misunderstanding, it was verified and they know what they are doing. I would like the XXXX tickets deposited into my account without restriction. I would also recommend opening an investigation into this Bank and its practices in promoting it's Credit Cards.
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| 04/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
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As a victim to identity theft attached paperwork that was effected by my primary physicians office and victim of XXXX XXXX identity theft after proven these paperwork stoll have these inquiries from all these seven companies stated above and need this based on Law 15 us code 1681c-2 a consumer reporting agency shall block the report of any information on the file of a consumer that the consumer identifies as information that results from an alleged identity theft no later than 4 business days after the date of receipt. If has been 30days ans you are in violation of the law because I am a victim of identity theft!!! Please delete these items as soon as possible! These accounta should not be furnished on my consumer report as they are in violation!!! Under 15 us code 1681b permissible purposes of consumer reports ( A ) in general subject to subsection of any consumer reporting agency may furnish A consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN Institution of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violets my rights as a federal protected consumer. No consent is identity theft. As a consumer I Am demanding the deletion of these accounts listed IMMEDIATELY. Accounts as follows : XXXX XXXX XX/XX/XXXX Barclay bank delaware XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
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| 09/30/2015 |
Yes |
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- Credit line increase/decrease
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Web |
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I have a Barclays XXXX Card with XXXX rewards. At the end of XXXX 2015, I called and made a payment and informed them that the next payment would be for {$2000.00} at the end of XXXX. I called at the end of XXXX to make that payment and they refused several times to accept that payment. They then informed me that I could only pay with an XXXX Bank account. On XXXX XXXX 2015, when those funds were transferred I made a {$2000.00} payment. I then noticed several days later that the credit limit had decreased by {$1500.00} XXXX 75 % ). When I called and inquired about this they informed me that due to financial stress, the credit limit had been decreased. However, this did not align with the information from my credit report and my previous dealings with them. In the past, I called and informed them when I would be making a payment and for how much. At all the stages during my relationship with the customer services representatives, I informed them of what was going on. Upon having this conversation with Barclays customer service, they informed me that due to financial stress the credit limit had been lowered. However, the {$2000.00} payment was the entirety of the balance of the card ( except for {$76.00} XXXX and there was never a payment that was more than 10 days late. If it was late, I always called and informed Barclays that they payment would be made on a certain day upon me getting a paycheck. Never was the payment more than 30 days late and never was a late payment reported to the credit bureaus. The credit reports actually indicated that the card was in good standing.
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| 12/03/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
Older American |
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On XX/XX/XXXX I applied online and was approved for the XXXX XXXX " XXXX XXXX XXXX '' issued by Barclaycard US XXXX Barclays Bank, Delaware ), As you can see in the attached scan of a Barclaycard handout ( one of severaI collected on XXXX XXXX flights over the past months ), I was promised the first-year membership free.
As directed, I entered the handwritten code on the card application website, so my flight attendant would get her reward for the sale.
Yet, on my account ( also attached ) I was billed a {$99.00} first year membership fee, and on 3 separate calls to Barclaycard US the most recent on XX/XX/XXXX I was unable to get the fee reversed.
Most astoundingly, the Barclays agents all insisted it was my fault. They told me I must have responded to an ad that did not feature the fee waiver. I understand that they recently had two sets of ads running -- one with and one without the fee waiver offer, which is a recipe for confusion -- but I am 100 % certain I used the offer on the attached ad, and followed instructions on the webpage indicated.
Approximately XXXX year ago, my son had the same thing happen with him when obtaining a XXXX XXXX credit card. Unlike me, however, my son was able to get the fee reversed after several complaints to the bank.
I believe this represents a pattern of promotional " errors '' at Barclaycard US, and I would hazard a guess that the majority of them are in the bank 's favor. CFPB should investigate as Barclaycard is in the midst of a marketing blitz promoting co-branded cards with XXXX, JetBlue, XXXX and other travel providers,
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| 10/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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I closed my credit card account, by phone, on XXXX. I was moving, told the agent my new address and asked for my final statement to be mailed to my new address. I never received the final statement.
Approximately XXXX I received a statement with both late fees and interest but no detail regarding the purchases. On XXXX, following the instructions on the back of my statement, I sent a letter disputing the fees and asked for a statement detailing the charges.
XXXX. I called, asked them to stop charging me interest and please mail a statement with subject charges. I still had no idea what charges I allegedly had made.
XXXX. I received another statement with more fees and interest but still no detail regarding the charges!
XXXX. Received statement detailing charges. I saw charge from a fraudulent web page that changes your address. They don't tell you they charge {$40.00} for a free service!
XXXX. I sent letter disputing the fraudulent charge and the continued fees.
XXXX. Received a letter saying they are investigating.
XXXX Received a letter denying my claim because I took too long! They never respond and I took too long, insulting!
XXXX I sent my last letter with a check to cover the 1 legitimate charge to my account, my cell phone bill. I told them I had no intention of paying any more, ever.
XXXX. I received another denial letter which I returned telling them I'm filing this complaint.
It comes down to them being negligent in forwarding my statement and then denying my claim against one of their deceptive vendors, blaming me saying I took too much time?
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| 09/07/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
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Barclays responded to my complaint and sent a letter dated XX/XX/2018 but there is a discrepancy on date which letter was generated and it's authenticity. On XX/XX/2018, I spoke to Barclays representative and confirmed that there is no letter/correspondent being generated or drafted and this can be confirmed by Barclays since all phone conversations are recorded by Barclays. In the letter reason why they lowered credit line was because of 'Utilization of revolving accounts is too high. ' They FAILED to provide details in numbers/percentage of the reasons to lower credit line to support 'Utilization of revolving accounts is too high. ' They have no supporting statement nor they have valid reasons/justification to lower credit line. Once again, only reason why they lowered credit line is because I have made {$8000.00} payment and this is clear violation of Credit Cardholders Bill of Rights and Credit Card Act. If I have made {$10000.00} payment, credit line would have been lowered to {$4900.00}. Barclays do not have clear guideline or justification of why they decided to lower credit limit to {$6900.00}. ***THEIR DECISION IS ALSO BASED ON CREDIT REPORT THEY RAN ON XX/XX/2018 WHICH IS NOT MOST UP TO DATE AND THIS IS SERIOUS VIOLATION. *** Barclays also FAILED to provide what my credit line/limit should be. This is once again, ABUSIVE and UNFAIR credit card practice. BARCLAYS ALSO FAILED TO PROVIDE WRITTEN CREDIT CARD AGREEMENT ( WHICH IS SIGNED BY ME ) TO SUPPORT THE REASON WHY THEY DECIDED TO LOWER CREDIT LINE/LIMIT. Please investigate this serious and intentional violation.
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| 04/26/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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i placed an order with XXXX XXXX on XX/XX/19 {$110.00} using my Barclay 's credit card. I did not hear from XXXX so began emailing them on XX/XX/19 and 2 other emails ; no response. I then called phone number and got a recorded it was disconnected. I immediately called Barclay 's to report a fraud. They acknowledged my dispute with a letter on XX/XX/19. Subsequently, i did receive a package from XXXX but it did not contain the correct size i had ordered ( i ordered a womens size XXXX and got some type of extremely small size that i could not even pull up over my thigh, and i am XXXX '' weigh XXXX ), and i rec 'd this package after i filed dispute, after i emailed the company to stop my order. i suspect the company shipped whatever was on their shelf after i filed the dispute. on XX/XX/19 i recd a call from Barclays, who said they could not help me on the dispute and were processing the charge because the client shipped something. nevermind that what they shipped was not correct and their phone number is disconnected and they dont ' respond to email. all disregarded by Barclays phone rep, XXXX with Barclays said i had to take it up with XXXX XXXX. Well, how can i do that, no phone number and no email address. i think they are bankrupt or something. why would barclays not do a charge back for a clear fraud situation. they could have shipped me a toothpick and barclays says well they shipped you a package, so now you have to resolve. makes no sense. surely we have better consumer protection laws than this. why would Barclays ' support fraud by paying them. anything i can do?
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| 05/12/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I'll start from last year. I left the country ( USA ) for XXXX in XXXX and did recovery after that in XXXX. I made a payment to the company via phone because I lost my card and couldn't access my account. I pleaded with the company to make my bank already linked to my ACCT on autopay as I won't be in the USA long enough to receive a new card to access my account. The company has many notes regarding issue. I left XX/XX/XXXX After returning XX/XX/XXXX I had letters from Barclays regarding the account, when I looked at the balance I noticed it was substantially higher then it should be. So I contacted them and discovered to purchases where made on the account when I only made a single purchase so I set up my fraud claim.
Most of the times because I travel a lot m, y fiance handles the billing issue. But I never used my Barc card more than once so I would always lose it, fiance would forget the password and a new card would be needed so I never really took notice to the account amount.
Once I noticed the account was used again per agent knowledge I set up a claim. Barclays denied my claim because they said the card was used in the same location.
But when I was notified of the date I thought back and knew immediately there was an issue as I propose to my fiance in XXXX during the time of the transaction and wasn't even in the state.
- When I set up case initially I was told not to make any payments on the account but continued to receive missed payments on a credit report and also received missed payment when I called and advised Barclays to put my account on autopay.
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| 09/24/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
Older American |
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Having seen ads on line about a XXXX XXXX credit card giving elite status miles ( XXXX ) on XXXX XXXX after spending {$40000.00} with the card, we applied for the card. Barclays Bank issues the card. We called several times and were told on the phone by the Bank representative that we could not apply directly for the Silver Card, that instead we had to apply first for the " XXXX XXXX '' card, and that after using it for 3 months we could upgrade to the Silver card. We explained that we only wanted the Silver card because we wanted the XXXX elite miles toward status on XXXX XXXX. We called several times seeking the Silver card, and each time were told that we first had to apply for the Red Card, and then after 3 months of using the Red Card we could upgrade to the Silver card. We were told that all expenditures on the Red Card would transfer to the Silver card as would the fee we paid for the Red card. So we applied for the Red Card, paid the fee, and used the card exclusively for 3 months ( forgoing use of other cards that offered other benefits ). In mid-XX/XX/2018 after we had used the Red card for more than 3 months, we called to upgrade to the Silver card. However we were told that there would be no more upgrades to the Silver card for the rest of XX/XX/XXXX. We were never told that upgrading to the Silver card was merely an option that Barclays bank could cancel at any time during our use of the Red Card. Had we been told that, we would not have applied for, paid the fee, and used the Red Card. We wanted the extra status miles based on our card usage for XX/XX/XXXX.
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| 01/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I have a JetBlue MAstercard with Barclays. I have had the card for many years and make payments regularly and use it regularly. I was at my credit limit last week so I made a payment of {$1700.00} against my account which would give me approx. {$1300.00} in credit to use to buy Jet Blue tickets. I made the payment on Sunday from my XXXX account. The payment was registered by Barclays on XXXX the XXXX XXXX XXXX but they will not release the money to my account until XX/XX/XXXX, saying that somehow I can cancel the payment with my bank. I feel like this is an outrageous practice as they have my money- it is no longer in my XXXX account but they will not allow me to charge anything against my JetBlue card. The only reason this matters is because when I book airfare with Jetblue using that card I get a free checked bag and additional airmiles. I can not wait until the XXXX to book the travel so I had to use another provider 's card and i lose out on the {$30.00} per ticket free bag ( {$60.00} total ) and the miles. I called them and they tole me that they could remove the credit hold so that I could may the purchase but they transferred me to someone else who refused - telling me I could still cancel the payment I also send them an email and they gave me the same response although after I told them I would file a claim with you, they said I could call them back and they will reconsider making the change... too late I already bought the tickets and had to pay for the bags. I don't think its fair for them to hold my money but not apply it to my account enabling me to use it.
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| 08/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Delay in processing application
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Web |
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I am XXXX XXXX, consumer as the term is defined under the Equal Credit Opportunity Act and Fair Debt Collection Practices Act. I am filing this complaint for credit discrimination as aggrieved applicant against Barclays Bank Delaware ( " Barclays '' ) for deprivation of right to credit as creditor in accordance with the Truth in Lending Act. I am submitting this complaint without any third party. I extended my consumer credit as an asset to Barclays via good and valuable consideration of completed application form in exchange for consumer product XXXX XXXX XXXX offer accepted for open-end credit for consumer purposes only. I have been negative impacted unfairly in my personal family and household affairs as I could not obtain the credit device as financial aid to acquire consumer goods and services, due to adverse action letter dated XX/XX/ 2022, referenced as Application # XXXX allegedly due to few accounts or insufficient number of credit cards and based on unverifiable and uncertified rumors in bad faith 15 U.S. Code 1641 ( b ) - Liability of assignees. The disapproval is unfair, deceptive and discriminatory. This is a clear violation According to Title 12 CFR 202.9 ( 3 ) ( b ) ( 2 ) Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient and I as consumer request good faith reconsideration. 15 U.S. Code 1691b - Promulgation of regulations by the Bureau ( b ) Exempt transactions
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| 07/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
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I have a Barclays Banana Republic Credit Card Immediately after receiving my XXXX statement I notified them in writing that the charges made were not authorized by me. I sent the letter to the address on the back of the statement that was specified for disputes. My letter was dated XX/XX/2023 and the amount of charges {$470.00}. I have never received a response or resolution.
My XXXX statement arrived with no adjustments for the unauthorized charges and included an additional {$490.00} in charges. I again sent a dispute letter to the address listed for disputes on the back of the card statement. My letter was dated XX/XX/2023 and included my XXXX dispute letter as well.
My XXXX statement arrived with no adjustments for the continued unauthorized charges and included an additional {$92.00} in charges. My dispute letter that included all previous correspondence was mailed out on XX/XX/2023.
I have now sent a certified letter to the address on the back of the card for dispute resolution with all disputes and all past correspondence. This letter was mailed XX/XX/2023 and can not be delivered to the address.
I have called Barclays multiple times and have documentation of the time spent and day/time called. I can not get anyone to assist me and have been disconnected numerous times. I have also tried logging in to the account online to submit a complaint and contact and the features that allow you to do so are not working.
I need assistance and would like to know my recourse for such a blatant disregard and for fans information being allowed on billing statements.
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| 09/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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Web |
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Barclay 's seems desperate to charge me improper fees.
Since I had problems getting Barclays to timely post mailed payments, I started paying online. On the due date, I log in, select due date as payment date, and pay. But then they post the payment some other day.
Why do they allow customer to select payment date if they're not going to XXXX honor it? When I select a particular payment date, I rely on their implicit assurance that they'll actually process my payment on that date. There is no disclaimer that says, oh, we may choose to process your payment on some other day and your selection is essentially meaningless.
Anyhow, I logged in on XX/XX/XXXX -- the payment due date, I selected XX/XX/XXXX as my payment date, and I made a payment. They even sent me a confirmation email stating that I had made payment on XX/XX/XXXX.
I noticed something funny when I logged in. Although it was still the due date, they had already charged me a {$39.00} late fee. What the XXXX is that? The day wasn't even over and they'd already charged me a fee that I did not yet owe.
Today ( XX/XX/XXXX ), I received an email from them stating that my payment had been made XX/XX/XXXX. WHAT? That is false, I made the payment on XX/XX/XXXX.
Please cause Barclays to : 1 ) Reverse the erroneous late fee.
2 ) Go back and post my payment on the correct date, the day it was made, XX/XX/XXXX.
3 ) Correct their aging so that NO LATE PAYMENTS are reflected in my account history.
4 ) Cease and desist their fraudulent practice of posting payments day ( s ) after customer makes online payment.
|
| 01/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I contacted XXXX credit reporting agency today XXXX/XXXX/2018 to verify that there are no negative accounts reporting on my credit report. I had a few accounts that did not belong on my credit report and disputed them. XXXX did there investigation and it was confirmed to delete the negative accounts. I am very pleased that it was confirmed there are no negative accounts on my equifax credit report however upon checking my XXXX XXXX account there is a history code with a number 1 next to it which means there was a late payment I resolved this issue with XXXX directly months ago and it was agreed they would remove that code which they still did not do. Upon speaking with the equifax rep I was advised that some of my accounts are not reporting a history code. I was advised to contact the creditors to ask them to please report the history code on these accounts as they are all accounts that are positive and in excellent standing which helps my credit score. I did not get anywhere so I am complaining to the cfpb in hopes of resolving this issue. The accounts that are not listing my history is " Barclay 's card '' I have 2 accounts with them. Another account is XXXX XXXX '' I also have 2 accounts with them as well. Another account is my XXXX XXXX accounts that are also not reporting the history. All of these accounts on my part are showing as Paid as Agreed Never Late however on equifax 's part this information is not showing. I was advised if my credit is pulled they will not see these comments. Which would affect me in obtaining credit. I am doing as I was advised by XXXX
|
| 06/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Ive submitted an application to a Banana Republic XXXX XXXX via Barclays Bank. Apparently the card was mailed followed by the card being activated and an unauthorized purchase made for {$1700.00} on XX/XX/2023 at merchant named XXXX XXXX XXXX. Ive raised a dispute with Barclays claiming unauthorized, fraudulent transaction, but the dispute case was closed with the claim that chip card technology was used which can not be counterfeited.
The investigation by Barclays was clearly inadequate and in violation of Regulation Z and failure to correct this and reporting any delinquencies to credit agencies is in violation of FCRA for the following reasons- 1. I did not receive the original card that was sent and the Bank did not provide any evidence with tracking number that the card was mailed and delivered to me 2. I did not activate the card because it was not in my possession. No evidence provided to prove that Ive activated the card.
3. I do not recognize the purchase and neither did I authorize it. I do not know the merchant and not aware of the products or services provided by such merchant. No evidence provided to demonstrate that the purchase was made by me. The account was only opened with the intent to make purchases at Banana Republic stores.
4. Claim that chip card technology can not be counterfeited to support the Banks investigation is not sufficient to conclude that no fraud occurred. If the card was mailed, it could have been stolen from the mailbox. Also research, including research from XXXX and XXXX demonstrate the card chip cards are not fraud proof.
|
| 10/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Per the correspondence of Barclays, they have admitted they closed down the website not allowing me to make payments.
This is what they quoted " On XX/XX/2022, you spoke with one of our representatives who restored access to your customer website, and the access is still available as of the date of this letter. '' In addition here is another quote from the same letter " We have verified that the tradeline is reporting as in dispute with the consumer credit reporting agencies since XX/XX/2022. Your account was reported delinquent as minimum payments due between XX/XX/2022, through XX/XX/2022, were not made or satisfied as per the terms of your Cardmember Agreement. " If they didn't allow access in which I tried since the inception and the cancellation of the card how would I have been able to pay. I couldn't even get through to the institution.
If you look at the credit agencies yes I am delinquent for all those dates and yes they admit shutting down their website. Therefore as you can see from the credit agencies those are the dates in which I was delinquent. Exactly every one of those months.
How much clearer can it be that they have caused harm to my credit, shut down my account and also caused tremendous suffering to me and my family.
I had to reach the CEO at Barclays in XXXX to get the person that is corresponding his attention. He continued to ignore what I had to say. You can flat out see in their letter that they didn't allow me to make payments.
I don't know what FTC can do to rectify their harm and what they need to do as a penalty for hurting me.
|
| 08/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
On XXXX I tried to pay off a balance on my XXXX with an offer from my Barclays card. There were two offers, one was 3 % and no interest until XX/XX/XXXX and the other was for 4 % and a 17 % immediate interest. My intention was to do the first. I went to make the transfer of XXXX and nothing came up and said the transfer went through. So I did it again, the second time it said the transfer was successful. I went only Barclays card and it now showed two transfers of XXXX and two fees. One for {$170.00} and the other for {$130.00}. I immediately contacted Barclays, the man I spoke to set me to Carnival, because it is a carnival card. I thought this to be strange. Carnival was just as lost as I was. I called Barclays back and got a different person, he listened to me and told me that he would cancel both transfers. He assured me that this would be taken care of in 48hrs. On XX/XX/XXXX, I looked at my online statement to make sure that this was taken care of. I now had a balance of {$9200.00}. Which is the two balance transfers and the fees. Also, my XXXX was not paid off. This amount would have paid off my XXXX card and left a credit of XXXX. I called Barclays and got nowhere with them. They dont want to speak with you and the supervisors are busy. They asked me for my XXXX number, I said I dont want the money transferred, so there Is no need for you to have that. If you dont have that, how can you possibly have billed me. So now I went from a credit card with a {$4400.00} balance to two credit cards, one with a {$4400.00} balance and one with a fraudulent XXXX balance.
|
| 11/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
I received an alert from my bank that my credit rating changed. I looked at my report and saw there was a drop of 104 points from XXXX to XXXX on my credit score. The statement showed the negative report came from XXXX XXXX Barclays Bank Credit Card. I placed a block on my Barclays XXXX XXXX credit card back in XX/XX/2020 during the Covid Pandemic. On XX/XX/XXXX XXXX Yearly Plan my security system charged Barclays credit card for {$90.00}. I contacted XXXX XXXX and advised them on XX/XX/2020 that this charge should not have gone through because the card was blocked. XXXX indicated they would reverse the charge and put the charge on my XXXX XXXX XXXX. XXXX I found out today only credited back to Barclays {$82.00} rather than the {$90.00} stating that it was prorated for two days. I never once received a bill for {$7.00} which now turned into XXXX. XXXX XXXX sent me an email verifying our conversation on XXXX XXXX, 2020 which I will attached below. Also, I spoke with a supervisor at BarclayXXXX who apologized for the error stating " I see you spoke with an agent in XX/XX/2020 and requested to have your card blocked '' she further states " we are sorry for your inconvenience and will notify credit agencies on XX/XX/2020 to remove the negative report. I said that's much to long to wait. XXXX the supervisor said " we only report to credit agencies once a month ''. I am so upset I have never been late on a payment my entire life and to have my credit score drop 100 points for Barclays error is horrible. Please rectify this error as soon as possible. Thank You, XXXX XXXX
|
| 03/05/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I continue to get phone calls from multiple different named companies claiming that I owe debt from XXXX in the form of a Barclays card. Stating I opened the account in NY. I have lived in Colorado since XXXX and have had no credit cards from Barclays. It does not show on any of my credit reports and I have not had unpaid debt in many years. These companies that call are either named XXXX XXXX, XXXX XXXX or ( I forget the other one ). Each company has claimed that I owe anywhere from {$1100.00}, {$1300.00} or one saying it was over {$3000.00}. All claiming that if I make a payment of half the amount owed we would settle. I have asked for information in writing, or the original debt holders information so I could confirm the debt, however none of the companies would give out that information. Each company has threatened me with " legal action ''. My last correspondence w/ XXXX XXXX ( XX/XX/XXXX ), I stated that they should send me a judgement or " anything '' in writing. I have no problem paying a debt I owe, however it is unwise to pay someone money over the phone especially when I don't recognize the debt. Scariest of all, is they told me my FULL social security number. Not just the last 4 digits. I have since put fraud alert requests in w/ the credit bureaus. Ive called the company back and they will not give me their address, they said they have no website and will not give me any more information about themselves. I asked for the company 's full name and they said it is client services for recovery solutions. I've found no information about them on the internet.
|
| 07/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
I open the Barclay 's XXXX XXXX Business Credit Card back in XX/XX/XXXX. It was advertised with a sign-up bonus of XXXX for {$1000.00} spend and then an additional XXXX for signing up an Authorized User and making a purchase with that card, all within 3 months of opening the credit card. I received the XXXX miles, but never the extra XXXX The purchase from the Authorized User 's card was made on XX/XX/XXXX ( see attached proof ). I followed-up with Barclay 's on this missing bonus at first on XX/XX/XXXX. The person I spoke to was able to verify they had the purchase on their end and that it should have triggered the bonus, so she didn't know why the bonus didn't post. She said she will open an inquiry to find out. I called back on XX/XX/XXXX as I noticed the bonus did not post yet. On this call the person said there was no status update yet, but she they will send it back again. I called back again on XX/XX/XXXX as nothing has happened, and I was given the same information that there was no status update. On this call, I also closed the credit card as the annual fee was due and with COVID-19, I have no travel plans for the foreseeable future, so the airline benefits of this card were not worth the annual fee. I told the person that I would keep the card if they would waive the annual fee, but they would not do so, so I canceled the card. And since I canceled the card, they said there is nothing that they could do about the missing 10,000 bonus miles that I was supposed to received for adding an Authorized User and having them make a purchase with the credit card.
|
| 05/29/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
Servicemember |
|
I was on a XXXX XXXX flight from XXXX to XXXX on Tuesday, XX/XX/2019 when the flight attendants distributed applications for a XXXX XXXX Mastercard on board. The crew member announced over the loud speaker that anyone who opened a new account would automatically earn XXXX points redeemable towards future travel, and that the card carried no annual fee. I took an application and filled it out, returning it to a crew member before the end of the flight. Upon arrival of my new card a couple of days ago, and after setting up online account access and reviewing my " XXXX XXXX '' points, it became clear that you had to spend {$1000.00} in the first 90 days of opening your account before you would earn the XXXX points. I submitted a complaint to XXXX XXXX / Barclays Bank through the " manage your accounts '' question form online and received a response stating that I would the earn the points upon spending {$1000.00} in 90 days and after my annual fee posted to my account. I then called a customer service rep for XXXX XXXX/Barclays who clarified that my card did not carry an annual fee but that I indeed had to spend {$1000.00} in 90 days to earn the XXXX points. I feel this is an egregious example of false advertising on XXXX XXXX 's part because at no time on the plane did they state you had to spend {$1000.00} to earn the points. I was travelling with my husband who can verify that, and in addition, a co-worker who traveled XXXX XXXX around the same time said she heard the same offer and also did NOT hear they say you had to spend {$1000.00} in 90 days to get the points.
|
| 08/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Add-on products and services
|
|
Web |
Servicemember |
|
Mastercard Assistance Center c/o Program Administrator at XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX, OH XXXX This is the company. I put in a valid claim because XXXX XXXX canceled/delayed/interrupted/disrupted my return home causing my family and I miss a connecting flight. XXXX XXXX refuse to refund me, and this is their credit card ( AAdvantage Aviator ) that was used to make the original flight. Well, XXXX XXXX would not find me a flight home. Therefore, I had to purchase flights from XXXX. This situation that occurred is covered under the benefits of this credit card, and they refuse to pay the claim ( XXXX ). They made up some excuse about a pre existing sickness and all I stated was that my breathing was affected by rushing to catch the plane. This event that happened is definitely covered, and they thought I was going to let the decision be.
Here is the benefit : Trip Interruption If a Covered Loss causes an Eligible Travelers Trip Interruption, we will reimburse you for the nonrefundable amount paid to a Travel Supplier with your Covered Card for the following : The forfeited, non-refundable, pre-paid land, air and sea transportation arrangements that were missed ; and Additional transportation expenses that the Eligible Traveler incurs less any available refunds, not to exceed the cost of an economy-class air ticket by the most direct route for the Eligible Traveler to rejoin his or her Common Carrier Covered Trip or to return to his or her place of origin.
I want the amount I paid for the XXXX XXXX reimbursed in the amount of {$1100.00}.
|
| 05/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I tried to purchase a pair of sneakers on line from a company ( billed as XXXX ) for {$85.00} on XX/XX/22. I was notified that the sneakers were out of stock on XX/XX/22 by email. I responded to the email that I would not be interested in another pair of sneakers, and directed the merchant to issue a credit. They responded on XX/XX/22, that they would issue the credit within 7-30 days. Although this seemed long, I waited for the credit and on XX/XX/22, I contacted Barclays Bank. Their customer service has been awful, and this should be easily rectified. After receiving no help on the phone, I filed a dispute of this charge for {$85.00} on their website. I have followed up with multiple calls, and I keep getting various answers. I do not want to pay the {$85.00}, but although they have gone back and forth with me multiple times, telling me that I would have to pay, and other representatives telling me that I would not have to pay. Over the course of 30 plus years of dealing with different credit card companies, once a dispute is files, the charge should come off once the dispute is file, and until it is resolved. I have been told that someone would be reaching out to help resolve this dispute, and no one has reached out, and I am concerned that no one will investigate the integrity of the dispute.
I also said that i want to cancel this card as the customer service has been awful, and even offered to pay the {$85.00}, and receive a check once the dispute has been resolved, but to no avail. Also, the rep said that I could not speak to a supervisor, as they were busy.
|
| 06/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/XXXX, in response to a prior complaint, I was given a credit in the amount of {$410.00}, for unauthorized charges on a credit card account. However, the charges appeared on my account in XX/XX/XXXX and in XX/XX/XXXX. The charges accrued interest throughout the time the account was open. The XX/XX/XXXX charge would have accrued approximately {$120.00} in interest, and the XX/XX/XXXX charge would have accrued {$120.00} in interest throughout the life of the account.
Furthermore, in the response I received, the past due balance on the account is {$1600.00}, however, in the statements that I was furnished by the representative, the final balance on the account was {$1500.00}.
When the final statement balance of {$1500.00} is credited the {$410.00} and the approximate interest of XXXX, the balance would be {$860.00}.
Also, due to the amount in dispute, and the interest charged, had it been applied to the account, would have been enough to cover monthly payments for the final 9 months that the account was open ( and prevent the subsequent 9 late fees ), I would also dispute the {$300.00} in late fees added to the account beginning in XX/XX/XXXX.
Which would leave a balance on the account of {$550.00}, that I do not dispute, and would be willing to repay immediately. But I require the corrections made to my credit report to show the fact that this account is paid as agreed.
Currently, the balance reported to XXXX is {$1600.00} as of XX/XX/XXXX which your own statements prove is inaccurate. The balance being reported to XXXX is {$1200.00} as of XX/XX/XXXX.
|
| 05/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I have had the XXXX XXXX from Barclays for at least 5 years and I have enjoyed the services provided, including gaining XXXX status within XXXX.
Each month, I check my statements on the website. I share the account with my mother, so the statement is the only way to see who spent what on each purchase.
3 months ago, the website stopped displaying my statements. I have called Barclays customer service innumerable times over the course of the past 3 months and they have still been unable to generate an electronic statement for me.
After several rounds of reaching out to them via phone and via secure chat, they were able to mail me some paper statements. However, they are now telling me they are unable to do so - I have been told a manager will look into it.
In addition, when I circle back with customer service over the phone, Barclays states they are unable to even see my electronic statements on their end. I hear something to the effect of " there is an IT issue ''.
What concerns me is that the customer service department seems unable to contact the IT department to get an update on the matter and also can not provide said contact information for me to follow up.
The bottom line is that I have gone three months without being able to normally review my statements and it seems Barclays is 'unable ' to assist. This whole situation is a bit strange as other members of my family also have the same credit card and are able to view their statements electronically without issue.
It is dangerous to have a credit card and not be able to review the statements.
|
| 07/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I rented a car and was double billed.
On XX/XX/2022 I booked a rental car for my vacation using my XXXX miles. XXXX miles where deducted from my credit card along with {$190.00} was changed for the taxes etc.
On XX/XX/XXXX my credit card was changed {$1200.00} for the same rental car.
XX/XX/2022, I open a case on this problem and emailed them the back up showing the double bill. " XXXX '' XX/XX/XXXX, I received a letter dated XX/XX/2022 that my information was received and was being sent to a dispute specialist. It also mentioned, if there was any additional information to ensure a strongest case, they would reach out to me. Letter attached.
XX/XX/2022, I received a letter informing me that my clam was declined because they did not receive any documents.
XX/XX/2022, I reached out to them and faxed, emailed, and mailed them all the back up information.
XX/XX/2022, I call because I hadn't heard anything from them and the change was still on my bill. They said they received all my information and it was under reviewed by a dispute specialist.
XX/XX/2022, Received another statement and the change is still on my bill. When I called they said it is still under review but i will be hearing something with in 7-10 business days.
XX/XX/2022, Called again because still no information and my new statement came in with the changes still on it. Was told I had to call back during regular business hours.
XX/XX/2022, Called back to get the same answer I received in XXXX. My case is being reviewed by a dispute specialist and I will here back with in 7-10 business days.
|
| 12/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
BarclayCard 's payment amount taken does not make sense. BarclayCard took more than the current balance was and thus the account now has a credit balance. They state that they will wait up to 5 days for funds to clear and an additional 10 days ( 3 weeks if business days ) to receive a paper check. The XX/XX/2020 statement balance was {$700.00}, due XX/XX/2020. A credit of {$420.00} posted XX/XX/2020 and I expected the payment amount to be reduced to the remaining {$270.00} due ; however, {$690.00} was taken on XX/XX/2020 which was greater than even the current balance at the time. I recommended that they reverse the initial ACH & deduct the appropriate amount instead.
On the billing statement it states that it will be adjusted down if your Current Balance is less than the dollar amount you've selected however this did not happen : REMEMBER ... YOU ALREADY SCHEDULED YOUR PAYMENT This month your statement balance of {$700.00} is scheduled to be paid on XX/XX/2020. Thank you for taking advantage of our Repeat Payment system.
It's an easy way to make your payment each month.
Please be advised that your payment will be adjusted up if the Minimum Payment Due on your statement exceeds the dollar amount you've selected or down if your Current Balance is less than the dollar amount you've selected. This payment information is accurate as of your statement closing date. If you need to make changes to your payment you can do so until XXXX XXXX ET on XX/XX/2020. For more information on your Current Balance, please contact us at XXXX or visit us online at BarclaysUS.com.
|
| 11/26/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
When I attempted to log-in to my account and use my card, I was not able to. I contacted the telephone number and was informed by the customer service agent that my card had been closed due to inactivity. She claimed that I was mailed a letter back in XXXX, 2019. I did not receive any such letter. Upon asking whether I could re-open my account, I was put on hold and the decision was made that I could not re-open my account. I asked what this decision was based on, as I have good credit and always paid on-time. Both the agent and then also the manager could only tell me that they could not re-open due to inactivity.
Such a decision has impacted my credit score, as this is the oldest account I have had. When I believed I was using credit responsibly, I have been negatively affected by a lowered score - as one of the reasons listed under my credit score ( which is actually Good ) is that my oldest account is too new. With just a few more points, my credit would be " Excellent ''.
Additionally, when I requested to know how they decide to re-open some accounts and not others ( how these decisions are made, and by whom ), I was not given an answer.
Without a clear reason how and why these decisions are made ( which directly impact a person 's credit score ), discriminatory or biased practices often result.
Furthermore, if a decision is going to potentially impact a consumer 's credit score, the credit card company should rely on more than one way to notify a person. Mail is not the most reliable method, they should also send email and notify joint account holders.
|
| 04/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Servicemember |
|
In XX/XX/2019, I received a Barclays AAdvantage Aviator Red Mastercard in the mail. Upon opening and reading the associated terms and conditions, I saw that there was an annual fee of {$95.00} that I was responsible for paying to use the card and account.
In that same month and for months after on four separate occasions, I have contacted card services at XXXX to close this account. I never activated this Mastercard and have tried to close the account several times only to keep receiving statements to pay the {$95.00} annual fee as a balance. Most recently, on the date of XXXX XXXX, 2019, I was sent a letter from Barclays notifying me that my account was closed on XXXX XXXX, 2019, but that as of XXXX XXXX, 2019 there was a transaction balance of {$95.00}. XXXX in purchases even though the account was closed and the XXXX was never activated, nor had any purchases associated with it. Moreover, I believe that there may be some unethical practices used by Barclays to list this fee as a purchases balance therefore subjecting the balance to interest and late charges even though once again the card was never activated or used for purchases, and immediate actions were made to close the account by me.
According to the Fair Credit Billing Act, I've formally disputed this with a written letter to Barclay 's using certified mail, and included all letters and statements sent. The letter was delivered on XXXX XXXX, 2019 and they wrote a response on XXXX XX/XX/XXXX which leads me to believe it was never investigated. All correspondence mentioned is provided as attachments.
|
| 03/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Today, XX/XX/2019, I received an email alert from " XXXX XXXX '' informing that my credit score had dropped. I checked my credit report and it showed up a " delinquent account '' on my credit card ending on XXXX, from Barclays, for the amount of {$99.00}.
I don't use this credit card for almost a year, but then I checked to see what had happened, an then it showed an amount owned due to an annual fee. Fee has already been paid, then I called Barclays to see if they could confirm the payment and remove this information from credit report.
They refused to help and informed me that my only alternative was to contact the credit bureaus and open a dispute.
I've had this credit card a while but havent been using it. Never received a letter or a single phone call from them, informing of any past due annual fee. There was no annual fee before, I just realized that they were allowed to charge this fee after a certain period of time, but that was not clear to me before and like I said, I did not receive not even one phone call or message from them informing about a past due fee. the payment was provided, I just want them to remove the incorrect information from my credit report. Main issues that I see : 1. Information about the fee was not clearly disclosed to me ( if there was a fee, when they exactly would start charging it ) since there was no annual fee before 2. Never received a letter/email/phone call about the fee. 3. Not one single notice via email/phone call or written letter about a past due fee before they would just send my information to the credit bureaus
|
| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
A Charge Off from Barclays Bank Delaware for the amount of {$2100.00} is negatively affecting my credit report. I have filed several disputes and no resolution has been made. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or outdated. I am exercising this right to dispute the charge off on my credit report.
According to my records, the debt collection practices that have been conducted on my account are in violation of the FDCPA, specifically the provisions outlined in 15 U.S.C. 1692 et seq., as well as the provisions outlined in the FCRA, specifically 15 U.S.C. 1681.
I would like to bring to your attention that under the FDCPA, debt collectors are prohibited from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. Additionally, under the FCRA, credit reporting agencies are required to maintain accurate and complete records.
Furthermore, under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 USC 6801, credit bureaus are required to maintain the accuracy and integrity of the information they report. The charge off on my credit report does not meet this requirement. In addition, I would like to bring to your attention that charge offs are considered gross and ordinary income under the Internal Revenue Code, and as such, should be reported as such on Form 1099-C by the creditor. Failure to issue a 1099-C for the charge off may result in penalties for the creditor.
|
| 11/04/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
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Lured by attractive terms ( i.e. no foreign transaction fees, no annual fee during the first year ), i opened a Barclays card in XX/XX/2020. Shortly, i received and activated the card. IF Barclays had signed me up for a different card than their offer to which i responded, Barclays NEEDED TO NOTIFY MEnot in a small pica footnote, but prominently enough for me to re-consider opening the card. Barclays did not. I used the card shortly thereafter while traveling abroad.
Since my monthly payments were on AutoPay, my initial payment included the {$99.00} erroneous fee. Recently seeing what had happened, I phoned Barclay 's " customer service '' line twice, but BOTH times the Barclays system dropped my call. After one hour ( on those two calls ) i was able to accomplish NOTHING, even though the second Barclays agent correctly repeated my phone number and promised to call back if we were disconnected. He never did.
In response to my demand letter, Barclays refunded the credit balance on my account but refused to refund the {$99.00} fee i should NOT have been charged. In closing the card this morning, Barclays agent XXXX confirmed that Barclays internal records reflect that my account was indeed a non-annual fee account for the first year.
I now see in searching reviews of Barclay cards that this bait and switch technique is fairly common with Barclays. You apply for one card with certain benefits, Barclays sends you a lesser card and FAILS to note WHATSOEVER that the card they sent is NOT the card you applied for. This deceitful operating procedure MUST BE STOPPED.
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| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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On XX/XX/XXXX, I received a call from a XXXX XXXX stating that he was from the Head Office of Visa/Mastercard Card Member Services . He identified my total credit card debt and offered a service which included a balance transfer. He stated that XXXX XXXX XXXX would arrange this. I was transferred to a Credit Advisor, XXXX XXXX at number XXXX. He explained the process and verified my personal information. I told him that I needed some time to think about this. He suggested that I give him a call on his direct line once I made a decision ( XXXX ). I called and left a voicemail stating that I did not want to move forward. On XX/XX/XXXX XXXX from, head quarters, verified that they received my voicemail but stated that once they start the process it can not be reversed. She claimed that they had a signed agreement from an XXXX phone on XX/XX/XXXX. I never signed anything and when I asked her to provide a copy, she stated that I need legal representation to get a copy of the call or the agreement. One of the cards they opened in my name was a JetBlue World Mastercard ending in XXXX with Barclays.
In the meantime, I filed a report with the XXXX XXXX Police XXXX and an Identity Theft Report with the Federal Trade Commission. I provided copies of both to Barclays, XXXX and XXXX. Barclays conducted several investigations resulting in the original balance ( {$2600.00} ) being waived but the fees remained. These fees have left a negative flag on my credit report, thus impacting my credit score.
XXXX XXXX XXXX has not been held accountable for the theft of my identity.
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| 01/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I am un essential worker affected by Covid 19 pandemic I was very sick not able to work, speak and eat for several time, My wife contacted credit card banks on my name by phone on XXXX XXXX requesting help with payments assistance with my auto loans and credit card payments because COVID 19 pandemic effected me. Home mortgage and auto loans banks and credit cards creditors help me with this request and agree to put my accounts of a DEFERMENT plan FOR 3 MONTHS I was happy with this. BEFORE BEEN INFECTED WITH COVID 19 I NEVER WERE LATE ON MY PAYMENTS I HAVE 100 % ON TIME PAYMENTS RECORD. all my family got infected with this terrible virus our economical situation was very bad we only can be thinking in how to fill better to return at work nothing more.
Later I found a very unexpected notice my credit cards. XXXX XXXX, XXXX XXXX XXXX AND BARCLY**XXXX THIS THREE BANKS reported late payments on my credit reports Missing payments on XXXX, XXXX and XXXX I mailed several dispute letter to credit report agencies XXXX, XXXX, XXXX and to my creditor but they don't want to correct this wrong information they want me to prove them when I called to request help how can I prove it do I have to record every calls? AT THIS TIME I PAID ALL MY LATE PAYMENTS I AM NOT BEHIND I just want to update my account same status It was before differed payments plan I KNOW I am protected by CARES ACT I LOOSE A VERY GOOD JOB OPORTUNITY BECAUSE THIS WRONG MARKS ON MY CREDIT REPORTS I am looking for legal advice to move this to a court room if this banks don't correct this in 30 days.
Thanks
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| 10/01/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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I opened a Barclays credit card and received miles for XXXX XXXX flights in XX/XX/XXXX. Upon opening the account online I was prompted by their website to establish auto-pay, which I did with my bank ( XXXX bank ). I was told auto pay was the only way that I would be able to get the miles for flights.I made a single charge on this act on XX/XX/XXXX for {$3.00}. I presumed that autopay was set up so there was no need to be concerned about making a payment. In XX/XX/XXXX I was informed via an email that my act was past due. Upon logging onto the Barclays website, I saw the single charge for {$3.00} and a series of late fees. I immediately paid the balance including the late fees, and contacted customer service and explained that I enrolled in autopay and was told that there was nothing that could be done other than mail in a complaint. Recently I received a credit report with a much lower credit score due to this discrepancy. I kindly requested again that Barclays remove the delinquent payment from my account and provide that information to the credit agencies which said they can not do. I did not receive notice emails from Barclays about an outstanding balance in XXXX, XXXX, and XXXX or any mail correspondence of a deliquent balance. Furthermore I was not worried about any potential balance because I thought I was enrolled in autopay. Additionally XXXX were very stressful times because of the COVID-19 pandemic and work related challenges. Barclays is unwilling to remedy/adjust my credit report for a {$3.00} charge in which I believe I was enrolled for auto-pay.
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| 02/11/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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Barclaycard.us and their other brand XXXX WEBSITES NOT WORKING Both websites are DOWN repeatedly. This started several months ago. It is impossible to 1 ) see and verify your card usage 2 ) pay your bill online I have 1 ) called the company several times 2 ) been transferred to tech support 3 ) talked to them for over 45 minutes 4 ) cleared cache, cookies 5 ) rebooted computer They are unable 1 ) to resolve the issue 2 ) to provide a contact email where screenshots and complaints may be sent They can take a payment over the phone. But you can not view your account history if you can not log into your account and are signed up for paperless billing!
So I went to their XXXX page for help. XXXX XXXX XXXX Here, if you look at Posts from Others, and Comments below the Barclay 's posts themselves, you can see numerous consumers stating the same thing since XXXX. And the response from Barclay 's each time is 'our website is working ' and 'call us ' You can also see that the site has been down here XXXX XXXX XXXX It would be irresponsible to use these cards if I can not verify my account activity online.
This issue has been continuing over several months. It is apparent that the company has been notified numerous times. This issue needs immediate resolution.
Moreover, this is very concerning because twice last year I was issued a new card and account # from Barclays ( I did not request one. ) When I called to ask why, they said it was due to a data breech on their end. But their mailing simply said " here is your new card '' and did not disclose any data breech.
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| 01/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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My wife and I both applied for the XXXX Barlclay 's credit card after being told about it by flight attendants on a flight with XXXX XXXX. We were told the {$99.00} annual fee would be waived for the first year if we used the promotional code when we apply. We both did as instructed in XX/XX/XXXX and within weeks of opening the accounts we were both charged the {$99.00} annual fee on XX/XX/XXXX. Nowhere in the terms and conditions is an expiration date to the promotion nor are there details that would exclude us from receiving the promotional discount. The promotional flier explicitly states " {$0.00} intro annual fee for the first year, then {$99.00}. '' It also states explicitly in the terms and conditions, " {$0.00} introductory annual fee the first year, after that {$99.00}. '' I reached out to customer service on XX/XX/XXXX and was told to fax information to them to start a dispute. I did as instructed and was later given case ID numbers for both my and my wife 's case. We then received letters in the mail dated XX/XX/XXXX that stated " We're currently unable to assist you with your Rewards issue. '' This appears to be a XXXX violation, specifically deception. The company is not following the terms as advertised. We were told there would be no annual fee, yet we are now out {$190.00}. We were forced to pay these fees to avoid them falling past due on our credit. The company gave deceiving terms, failed to address the complaint, and did so in an untimely manner that resulted in us having to pay the fee to avoid it reporting past due to the credit bureaus.
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| 06/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
Servicemember |
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On XX/XX/XXXX, XXXX XXXX from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, ME XXXX ( XXXX ) XXXX ) mailed a cashier 's check ( XXXX XXXXXXXX ) for {$11000.00} to Barclays. XXXX XXXX provided me with a document showing the check was reconciled by Barclays on XX/XX/XXXX. However, the money was never credited to my account. On XX/XX/XXXX, I called Barclays and reported the issue. I provided them the check amount and number and they started an investigation. On XX/XX/XXXX, the company credited a " provisional credit payment '' of {$11000.00}. I received a letter stating the investigation did not produce the check in question so they put the {$11000.00} back onto my account on XX/XX/XXXX. This is reflected on my XX/XX/XXXX statement. On or about XX/XX/XXXX, I reached out again to Barclays and they asked that I fax a copy of the check to them. I did so and they money was credited back to my account. The issue is, I was still charged with late fees for the several months the check was pending. Also, my current amount due for a minimum payment {$670.00} with {$540.00} past due. I called them several times to have the payment amount adjusted to reflect the current balance on the card and also to make the appropriate credits towards any interest and late fees incurred due to the extended timeframe they could not locate the check. They continue to tell me that the balance due is " computer generated '' and they refuse to change it. So, my account has been locked and the company continues to call me to harass me by phone, along with continuing to add late fees onto my balance.
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| 08/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
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I closed my Barclaycard credit card ending in XXXX due to fraud in XX/XX/2022. After it was closed, an XXXX vendor refunded me for a returned product. This balance ( {$730.00} ) was supposed to transfer to my new credit card, but never did. After getting the " run around '' from Barclaycard, which insisted that they never received the refund from the vendor ( even though the vendor had provided me twice with the details of the refund ), I submitted a " case. '' Someone at Barclaycard then realized that the refund went to my closed account. They then put in a request for the balance to be transferred and closed the case. But the transfer never happened. I called back again and learned that my case had been closed, but there was no additional information provided besides to call the number on the back of my credit card. I verified again with another employee that there was a credit balance on my old account. They opened a case as well ( XXXX ). This case was also closed, and nobody at the company that I can reach by phone can tell me why or how to fix this. This is now the third case that has been closed regarding this issue, and I have made over a dozen phone calls over the last month. I have talked to supervisors and people in all sorts of departments, but most of them are working off of scripts and can not help me. Many times they tell me " the system is not loading '' and tell me to call back. Other customer service reps try very hard to help me but simply can not, or they promise a resolution that never comes. Please help me. I do not know who to turn to.
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| 01/02/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/XXXX I received a series of alerts from my credit card company Barclay 's Arrival Plus XXXX XXXX XXXXXXXX about charges from XXXX. I immediately checked and did not recognize the series of charges. I reached out immediately and my card was shut down and I was told I would be issued a refund in 1-2 billing cycles. I was told I would have to pay the charges until the case was investigated or else I would be billed interest, so I paid my balance in full ( including the disputed charges ).
Attached is a copy of the credit card statement listing the charges from XXXX which total {$780.00}.
I do not think I was supposed to have to pay the disputed charges as I was told while the case was being investigated and it is taking longer than I was told to resolve the issue.
I have still not been issued a refund and after calling today to find out the status of my case, I was placed on a 20+ minute hold that was supposed to be a couple of minutes while they " researched '' my case. Nobody ever came back on the line.
I need help getting this company to return my funds. I have run into fraudulent charges before with other personal and business credit cards, and I have never had an experience like this. First, I have never been told I needed to pay the disputed charges. They were removed from my balance while being investigated. Second, the investigation never took anywhere near this long to resolve. The charges were always very easily identified as fraud. Since Barclay 's alerted me, I am sure they knew the charges were likely unauthorized and fraudulent.
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| 06/23/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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Barclays US - I signed up for Barclays last year under a XXXX point sign up bonus under which I am to spend {$5000.00} in the span of 3 months to receive.
However, Barclays negligently mishandled my account and applied the WRONG social security number onto my account. We found this out about 2 months in. At which point Barclays LOCKED my account.
-I had no access to my account, no access through the website and virtually no access to the account through the phone.
During this time, -I can not use the card -I can not make payments to the card However during this time, Barclays continues to charge me late fees on an account I am not allowed to access or make payments to.
I submitted all required forms of verification documents, including drivers license, social security card, etc.
I submitted all such documentation approximately 5-6 times through the fax numbers provided by Barclays. Barclays took an exorbitant amount of time to solve the issue they created when one of Barclays employee 's mishandled my account and it's social security number.
During this time I incurred late fees totaling : {$170.00} After the account was restored to normal status. I am left with a {$170.00} charge in late fees, the accompanying late payment reports on my credit report, destroying my credit score of over 800, and Barclays refuses to give me the XXXX points which I did spend over {$5000.00} for, after access to my account was restored. XXXX points is equal to {$700.00} in direct value and can be worth over {$1000.00}.
Barclays messed up and charged me money for it.
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| 02/03/2017 |
Yes |
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Web |
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I called to make a payment on my card today, and was told it was {$120.00}. I spent an hour on the phone trying to get the woman to tell me why it was {$120.00} today. Finally a manager gets on the phone and tries to tell me that he listen to the last conversations I had but lied and said I knew that I owe the past due amount 's and that I was in collections which is false finally he said that I had no choice but to pay the minimum of {$75.00} that was due today I was a palled because the previous woman told me it was {$120.00} today neither one of them could come up with any excuse as to why I owe these amounts I made the payment so I would n't get any more late charges but this is a fraudulent scam these people just add on amounts neither one of them New my actual payment due was for today I have recorded the call and I 'd like to email that call to you. Finally every time I call I 'm told is different amount is due when I pay that amount the next month they tell me that was n't enough so now you owe extra and our fees this is a scam. Also I 've never received one statement in never received one statement in the mail. Please look into this and let me know where I can send the recording they trip all over themselves backtracking trying to come up with reasons why there 's fees what the fees are for and how much they are it takes her an hour to try to just tell me that. They put me on hold for long periods of time I was on the phone perhaps two hours it seems like. Unprofessional and seems to me like a scam or somebody scraping money off the top. Thank you
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| 01/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On or about XX/XX/XXXX, I called Barclays, my credit card company, to report a pending purchase for {$390.00} at XXXX that I did not make. They cancelled my credit card and sent me a new one. I heard nothing more until my statement closed on XX/XX/XXXX and the charge was shown as a transaction included on my statement. I called Barclays and they said they determined the charge was a valid charge. I explained again that I didn't make that purchase and was in possession of my credit card the entire time. Barclays suggested that I call XXXX. I called XXXX to report the fraudulent charge on XX/XX/XXXX. Per XXXX, XXXX XXXX is the fraudster and a hockey table was the item purchased on-line, delivered to an address in the state of Ohio, full address not provided. I filed a police report on XX/XX/XXXX. I called both Barclays and XXXX to report the filing of the police report. XXXX took the information without a problem. Barclays only accepts faxes and postal mail as per their protocol. I faxed the police report to Barclays on XX/XX/XXXX from XXXX, incurring a charge of {$4.00}.
Between XX/XX/XXXX and XX/XX/XXXX, I have called Barclays and XXXX several times. No one can tell me if XXXX and Barclays are working together to resolve this. I have no idea what is going on as I am constantly told it takes time. It has been over 7 weeks and I still have no resolution. I have been victimized by the person making the fraudulent purchase and daily by XXXX and Barclays as this has taken an enormous amount of time to try to resolve and additional money for the fax services.
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| 03/26/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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On XX/XX/XXXX, I accesses the Barclays website because my card was declined for a past due balance. I completely forgot to add the auto payment when I received my card. That one was on me. So I went online and added my bank info, made a payment, set up paperless billing and set up recurring payments. I thought my account was ready to go just like all my other accounts. I have a perfect credit report and I do not carry balances on my credit cards.
Fast forward 2 months to today ( XX/XX/XXXX ) and I tried to make another purchase on the card and I was told that it is declined. I call the bank and I am told that I have a large balance that is past due ( it was due XX/XX/XXXX ). I tell them there must be a mistake because I set up auto payments. They tell me I did not. I think there is a bank website error.
The Escalation manager is unwilling to help me even though I told him that I am planning to pay the entire balance on the card today. He said that he can not provide a late fee waiver because one was provided previously unless it was a bank error. I told him that I think it was a bank error, but he is unwilling to help me and unfairly accuses me of not setting up my account properly even though he can clearly see that I had accessed the site in XXXX and had performed all the actions stated above.
I have had nothing but problems with this Bank from the day I signed up for this rewards credit card and it has been the worst customer service experience that I have ever had. I work for a very reputable bank and we would NEVER treat our customers this way.
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| 10/14/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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Barclay 's Arrival Plus had a promotion of a sign-up bonus for XXXX miles if you spend at least {$5000.00} within the first 90 days after opening. On XX/XX/2019 I was approved. I had until XX/XX/2019 to spend {$5000.00}.
Twice before the due date I called Barclay 's customer service confirming the date and the amount I have left to spend. Both customer representatives also referred me to check my account online on a tool called " Spend Analyzer '' to determine how much I spent up to that point. This tool is inaccurate. It includes credit card fees that aren't counted toward to {$5000.00} requirement, but I wasn't informed that nor were the customer service representatives aware.
After my 90 days passed, I fully expected to receive my bonus. I called customer service and they said I didn't meet the requirement. I thought this was a miscalculation on their part because I downloaded my statement and it showed I was over the {$5000.00} and matched the Spend Analyzer. I opened a case so they can review if I spent enough. It wasn't until later that if I removed the fees, my calculation matched the customer rep. But the company never contacted me back after they closed my case.
I called again and spoke to a customer service manager. This time reporting that their tool was misleading and that I would absolutely have spent the $ XXXX I was short to earn {$700.00} in rewards if I had known the true calculation. Who wouldn't spend {$15.00} more if it meant {$700.00} back? They opened a new case. I was still not rewarded the bonus nor did they contact me back.
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| 11/09/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To whom it may concern, The XXXX XXXX AAdvantage card, managed by XXXX, has instituted predatory and unfair policies that have led to a drop in my credit score. I want my credit score fixed.
In the entire year of 2018, I made {$23.00} in purchases with this card, all of which I paid off. I do not deserve to have my credit rating drop.
The company sneakily instituted a new policy this year of a minimum monthly charge, notifying existing customers only in fine print. I have had this card for several years and rarely use it, and I was not aware that the company had suddenly decided to charge every customer {$2.00} each month. Since I don't use the card, I did not check my bill monthly - assuming, quite logically, that my bill would be {$0.00}. But because of this sneaky monthly charge, I began accruing late fees and more charges without my knowledge, eventually leading the company to report a lower credit score - - despite the fact that I had paid off all the real purchases I made with the card.
I called several times and spoke to several customer service representatives, all of whom gave me a different explanation for the fees. One of them finally explained that the reason I was accruing late fees despite never using the card was the new monthly charge policy, but this person refused to change my credit report, citing " company policy. '' I'll repeat this, because it bears repeating : In the entire year of 2018, I made {$23.00} in purchases with this card, all of which I paid off. I do not deserve to have my credit rating drop.
Thank you very much.
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| 12/20/2016 |
Yes |
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Web |
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BarclayCard US is providing a concerning revelation on behalf of credit decisions requested. Based on previous inquiries and correspondence which they furnish through email AND vocally over the phone, they still send correspondence with secure information through the mail, when there is no need to do so in cases where XXXX copy of correspondence has been received either electronically or vocally over a phone line where they obtain permission via secure information handled by the receiving end of the phone line. This is a XXXX XXXX concern due to how prevalent " Hacking '' is these days. I am requesting a full investigation of this in addition to sequestered forms that are improperly sent based on the above analysis. Credit Card companies should be fully cooperative with modern technology and provide full disclosure regarding Credit Inquiry decisions and should only offer XXXX form of a decision for delivery, be it electronically, vocally, or through the mail. While mail is to be considered Secure, Credit Card companies should know better than to put Any form of identification that tags a partial Credit Card #, SSN, or Tax ID where unknowns are able to Steal, or mishandle the documentation should it fall into the wrong hands. I 'm pleading that this matter be taken seriously, as if the tables were reversed, I 'm sure the affected would have the same opinion.
Nobody deserves to have their information stolen. If Credit Agencies would take the proper precautions in securing information, perhaps this would become less of an issue for many victims of fraud.
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| 09/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Getting a credit card
- Delay in processing application
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Web |
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I was purchasing an airline ticket with Jet Blue on XX/XX/2023 and a pop up came in to apply for credit card and would be a bonus of XXXX point/miles if you comply with the requirements.
I applied for a credit card and to my surprise I was not approved on the spot as usually.
My credit score is excellent XXXX or more and I have decent income and great credit report.
I received a letter in about a week they asked for additional information such us ID, SS Card bill statements or bank statements. I supplied this document and sent to them the next day. After a week came by I did not hear anything called them to make sure they received my mail. She confirmed receiving it and some one from a security department verified my identity and told me Im all set. I received an other letter a week after. They asked me again to be verified. I called the number on the letter. Security department verified me again even though I was previously verified. At the end of the call she told me congratulation you are approved for XXXX and your card will be send to your house in 7-10 business days. Waiting for the card and never came. Called again on XX/XX/XXXX spoke with customer service she transferred me again to their security department to be verified for the 3rd time and further assist. I was shocked when she told me that my application was still in referral status even though I was told that should receive my card. I was very upset and frustrated with everything I had to go through. I told her to withdraw my application and I will complain to Consumer Financial Bureau.
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| 08/25/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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I called Barclays at XXXX on XX/XX/2021 to request my full balance owed and to pay it all off. The agent told me the full amount owed was {$1000.00}. I authorized the payment from my XXXX XXXX XXXX checking account. This is the account where automatic payments were already in place. I was very specific in asking them for written confirmation that the full amount owed was to be paid and that the account was closed. I was told the account was already closed and I would receive email or letter to that effect. On XX/XX/2021 I confirmed with my online credit union account that the total was transferred from my account to Barclays. Also on XX/XX/2021 received an email from Barclays. It only stated that they received a payment. It didn't indicate my balance or anything else. So last night XX/XX/2021 I get an email that I still owe {$3.00}. I called XXXX went through the prompts and just paid it. This morning I called Barclays, spoke with XXXX, to ask where these new charges came from. I didn't get any intelligible or satisfactory explanation. I then asked ( again ) that they send me an email stating that I owed them nothing. I was told I would need to call back later to check on this myself. I asked again for THEM to send me an email, but XXXX stated they would only mail something out within 7 to 10 days.
At this point I need help as I feel they are just harassing me with new false payments. I still haven't received anything in writing. The whole time they were taking automatic payments, I never knew my remaining balance. I'm not trusting their word anymore.
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| 05/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I went to XXXX XXXX in XX/XX/XXXX and assist to a metting for timeshare with XXXX XXXX, they made us an offer of XXXX points per year that we could use for Vacations at any place USA or National The Hotels or Resorts for {$8500.00}. When we made the first Payment we where available to see the value of the points. What they have available are for XXXX points per night ( with the original cost of {$75.00} - {$100.00} regular price for public ) in Three Days the XXXX points will be gone, is a fraud we have to make payments of $ XXXX monthly {$1500.00} per year plus like {$600.00} taxes per year total cost per year {$2100.00} my husband and I where thinking in somenthing nice they show us a beutiful Resort in XXXX XXXX. When we try to look for our vacations nothing is true with the only options that we have are worth like {$300.00} and they still charge other fees. They are a scam How is posible that they want us to pay more than {$2000.00} dollars for something that we could pay for {$300.00} or less and only when they have something available. Plus they used our information for a Credit Card they never tell us That we where applying for a credit Card. XXXX/XXXX XXXX check our Credit with OUT our ahutorization for Credit card ( BARCLAYS BANK DELAWARE ) in XX/XX/XXXX. And they Check my CREDIT again in XX/XX/XXXX ( XXXX XXXX XXXX ) I never ahutorized that. I TRY to CALL them the phone that they Have is incomplete the same for the credit Card I have no Idea how to talk to them. Could you Please help me.
I freeze my Credit and I change my Accounts numbers
|
| 04/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
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On XX/XX/XXXX, I called Barclays XXXX XXXX to request a downgrade of my Barclays Arrival Plus Mastercard to the banks no annual fee Barclays Arrival Card, noting that due to the Coronavirus I did not expect to be doing as much travel in the foreseeable future but would prefer to maintain my account with the bank, both to keep the rewards I had accumulated with the bank and to avoid the negative effect on my credit score that would come from closing a credit line. The bank representative informed me that the ability to downgrade to the Barclays Arrival Card required a special invitation and that they were unable to assist me with my request. I received the same response from the employee 's supervisor as well as another frontline employee when I called an additional time the next day. I do not understand why the bank is unable to assist me with this downgrade request, given that the option to downgrade a credit card product is something that is widely offered and available across U.S. financial institutions and typically does not require any special invitation. Even if Barclays bank treats this request in a manner out of step with the rest of the industry, Barclays refusal to consider what I believe is a reasonable request in this extraordinary time is incongruent with the bank 's public statements, where the bank has committed to working with consumers due to changes instigated by the Coronavirus. It also flies in the face of the bank 's pledge to U.S. lawmakers that it would offer additional help and flexibility to its clients during this pandemic.
|
| 07/23/2015 |
Yes |
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Web |
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Barclaycardusa filed a fraudulent court document on XX/XX/XXXX and a voluntary dismissal on XX/XX/XXXX/ I believe the fraudulent documents were filed so Barclaycardusa could avoid responding to my complaints to the Consumer Financial Protection Bureau during this period. I was offered a {$2900.00} settlement in XXXX XXXXby XXXX XXXX but Barclaycard refused to honor it and then demanded over {$7900.00} to be paid within 5 days of this fraudulently filed document on XX/XX/XXXX. Is this some kind of unfair and deceptive trade practice or yet unfair debt collection practice?
I was never served with this court action as Barclay sent it to an address where I do not reside nor the address on my Barclay card account. Also, Barclaycard stated I was delinquent for payments due in XXXX, XXXX and XX/XX/XXXX -- dates which have not yet arrived. Moreover, I am reporting unfair debt collection practices.
I am reporting unfair debt collection practices as I was in email negotiations with a papralegal named XXXX XXXX and then this occurred during these negotiations.
To defame my character is this fashion is actionable. I was making payments. I even had an agreement to make certain payments less than the minimum but the court document sought to shame me for less than full payments.
I beleive Barclaycardusa lied to the Consumer Financial Protection Bureau to keep from responding to my complaints and their inquiries due to the excuse that this matter was in litigation when it was already dismissed.
It is a shameful practice that Barclaycardusa used against me.
|
| 07/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/2023 I checked into the XXXX XXXX for XXXX nights for the XXXX XXXX XXXX XXXX XXXX. I am a sponsor with XXXX XXXX XXXX in XXXX XXXX, Texas. Checking in with me were my co-sponsor ( XXXX XXXX XXXX, and XXXX students. We had reserved four rooms in total one for me ( XXXX XXXX ), one for XXXX XXXX, and two for the students ( identified on the receipts as XXXX and XXXX on the receipts ). According to XXXX XXXX XXXX policies, I gave my Barclay credit card ( ending in XXXX ) for the charges to my room, XXXX XXXX used her credit card for her room charges ( ending in XXXX ), and the two student rooms ( XXXX and XXXX ) were supposed to be charged to the XXXX XXXX XXXX credit card ( ending in XXXX ). Upon checkout, we were given receipts verifying the correct charges to the correct cards for all four rooms ( see attached ).
Upon returning home, we discovered that all four rooms were charged twice, once on XX/XX/2023, and again when we checked in on XX/XX/2023. I called the hotel and spoke to the manager at length on XX/XX/2023. The manager insisted that my personal credit card had not been charged at all, but that these were temporary holds. I submitted documentation to XXXX XXXX showing that the charges to my card ( XXXX ) had gone through twice, but he told me on the phone that they had no record of that and that I should dispute the charges with my credit card, which I did immediately. You credited the charge back to me on XX/XX/2023, but have now incorrectly reversed that decision and allowed XXXX to charge my card a third time for {$1200.00}.
|
| 07/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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I've been a XXXX Rewards Visa ( Barclays ) card holder since XXXX of XXXX. I have always paid on time, never carried a balance, and my credit score has always been strong ( XXXX ). It was my daily go-to credit card due to the good rewards program.
On XX/XX/XXXX my account was closed by Barclays without prior notice. A week letter I received a form letter saying the cancellation was due only to " a history of account usage ''. This is terminology from the Terms and Conditions as a valid reason for account closure and points forfeiture. However, there was nothing about my account usage that was suspicious or unusual that any customer service agent could indicate. The phrase is so vague it has no meaning -- every credit card has a history of usage.
Barclays has every right to end our business relationship, but my primary concern are the significant balance of reward points I had at the time of account closure -- XXXX points -- which are worth between {$2700.00} and {$4100.00}, depending on how they would have been redeemed. Of course, I always chose the best redemption method, so to me they are worth the larger amount.
Barclays has always advertised this card primarily based on the rewards program, and so I believe it to be false advertising to award points at purchase time but then cancel the card without notice before these points could be used or transferred out.
I made several calls to customer service on XX/XX/XXXX and spoke with a variety of different departments, none of which could help me other than confirm my points were inaccessible.
|
| 11/05/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Older American |
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On XX/XX/2019, I was served with a citation on a lawsuit from Barclays Bank Delaware with XXXX XXXX XXXX listed as the attorney for the plaintiff. After much research, I discovered that Barclays had actually referred the account ( they still own the debt ) to XXXX XXXX, a collection agency, per Barclays. XXXX XXXX claims that they are not a collection agency and that they referred the account to XXXX XXXX XXXX, a collection agency law firm. I never received any type of communication from XXXX XXXX XXXX prior to being served with a citation. I sent XXXX XXXX XXXX a request for debt validation. The only thing they sent me was a few of the bills from Barclays and where I had applied for a credit card with Barclays on the Internet. That in no way validated that they had the authority to collect the debt.
I hired an attorney to represent me. I could never verify with the court whether or not he responded to the suit, since I said I had an attorney, and could also never get the attorney to call me back. I have filed a complaint with the State Bar Association of Texas due to the attorney 's negligence.
Today, XX/XX/2019, I received a letter from the court stating that a default judgment was decreed since there had been no response to the summons. I will be filing a separate complaint with the FTC against the attorney.
My complaint against XXXX XXXX XXXX is their violations of the Fair Debt Collections Act, by not sending me any communications of my right to dispute the debt nor validating the debt. I have not signed any contract with XXXX XXXX XXXX.
|
| 04/01/2016 |
Yes |
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Web |
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I have had my cell phone number for 5+ yrs and suddenly started to get collection calls for someone I do not know. At first I was understanding and simply notified Barclay 's card XXXX that they had wrong number and to update and remove my number. Barclay 's card of XXXX always say they will comply with my request to remove my number and stop calling me. I currently get calls from Barclay 's every other day and I receive harassment regularly. I had to threaten FTC involvement just to get them to tell me who they are. they then told me they wo n't stop because they use auto dialer. I have received over 30 calls from them and asked to be left alone, however, they say that they will not stop because they do n't have my number as a primary number. They advised me that the unwanted calls will continue even through they acknowledge that they are calling the wrong person. This is incredible to me.CAN SOMEBODY PLEASE GET BARCLAY 'S CARD USA TO STOP CALLING MY PHONE AT XXXX AND THROUGHOUT THE DAY LOOKING FOR SOMEONE I DO NOT KNOW?
I ca n't understand why they have a policy of refusing to identify themselves unless threatened with legal action. And i thought auto dialers were illegal in California? I ca n't understand how Barclay 's Card XXXX would tell me that they wo n't stop calling me because they ca n't find my account ( I NEVER HAD XXXX ) and this is somehow my fault this issue is happening.
I really need help here ... .30+ calls and counting up to and including as i am writing this letter with them saying they wo n't stop is unacceptable harassment.
|
| 05/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
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Web |
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THIS IS THE TEXT OF MY COMPLAINT FILES WITH BARCLAYS 'S BANK regarding my JET BLUE MasterCArd Credit Card This is regarding my complaint # XXXX regarding a Balance Transfer that I did back on XX/XX/ under 0 % BALANCE TRANSFER OFFER. Somehow I am being charged HIGH REGULAR INTEREST for that balance transferred, when the ONLY REASON why I made it was to get the benefit of the 0 % INTEREST RATE to pay over the time.
There is no logical way that a Customer prefers to pay interest on a Balance Transfer over a 0 % OFFER in any way. NO ONE IS SO XXXX!!!!
I waited 5-7 business days and called again to be disappointed to hear from XXXX that the case has not even been moved anywhere. I asked to be transferred to a MANAGER and I was told that it would take 48-72 Hours for that to happen. I HOPE IT HAPPENS before my next payment date on XX/XX/.
The agent who took care of me today XXXX credited me some of the interest or fees but that's not all that has been charged so far. A FINAL RESOLUTION WILL BE THAT THE INTEREST Rate be adjusted to 0 % honoring your offer. and all interest charged to be void
eversed.
So far, I see that I have been charged interest on the Balance Transfer for the past two ( 2 ) statement periods, in addition to the {$75.00} initial fee.
Sere below that I paid in full the credit card balance on XXXX just to have the amount under 0 % Balance Transfer to pay over the time.
INTEREST CHARGE-BALANCE T XXXX XXXX XXXX {$39.00} XX/XX/2023 {$17.00} Payment Received XXXX XXXX XXXX XXXX {$1400.00} BALANCE TRANSFER FEE XX/XX/2023 {$75.00}
|
| 01/31/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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Back on XX/XX/XXXX XXXX XXXX XXXX XXXX charged my XXXXXXXX XXXX {$210.00}, then again XXXX Charged me {$210.00} on XX/XX/XXXX. I called Barclays and did a dispute immediately ( I got a case number, but I cant locate that information and Barclays never emails me anything to have as a record ). On XX/XX/XXXX I noticed XXXX XXXX XXXX XXXX processed a credit for the duplicate charge of {$210.00}. Now on XX/XX/XXXX I noticed early in the morning again the same charge totaling {$210.00}. I do not know what the heck is going on or who is doing this XXXX or the Bank. On XX/XX/XXXX at XXXX more or less I called Barclays XXXX Disputes department and spoke to XXXX XXXX XXXX told me the {$210.00} is a valid charge and that the merchant sent a bunch of documents to proof it is a valid charge. I told him if he did the math on my account for the times {$210.00} has posted and he continued to tell me the case is closed. I have tried many times to approach all my disputes accordingly and to the proper channel, however it is just impossible and a nightmare to get someone who understands and offers guidance finally a workable solution. I am very close to closing my account ( s ) with Barclays only because of this and the headaches caused because of lack of knowledge and practice by the people who work when calling customer service. I am very very disappointed and I need someone to help me change my mind with all of the issues and inconveniences I have encountered and to remain as a customer. I do not owe {$210.00}, I have already been charged for this and I paid it.
|
| 12/05/2015 |
Yes |
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Web |
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To Whom it may concern, I am extremely unhappy with the recent finance charges charged to my Barclay card account. I applied to this card via XXXX solicitation. When I applied, I was under the impression I had 18months at 0 % to pay this off. Apparently, I had only 12 months at 0 %. Which was not made clear whatsoever! This is the first card I 've done online statements with and never checked them because I always pay each month on time and thought I had 18 months to pay it. I received no notification via mail, phone or online saying my 0 % was expiring. The only reason I noticed something was wrong was because my account balance was off. I 'm truly disappointed that no one could call or make it easily and visibly apparent my 0 % was up by putting it on the main personal dashboard page and/or in the online payment section. I feel duped and taken advantage of ... .bait and switch for sure! I 'm a good paying customer and will no longer be a customer due to this method of business. While I appreciate the partial refund, I do not believe I owe anything because I was not aware my 0 % was up and believe they want online statements to gain money from unaware customers like myself. I believe I am owed back the difference I 've been forced to pay in interest. They charged me the interest for the entire year because my 0 % was up ... I had money to pay in full but was going to pay monthly because I thought I had 0 % for 18 months. Almost {$200.00} ... Unreal! From what I have found online they have done this to many many customers!! Appalling and criminal!
|
| 08/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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My identity was stolen and opened a few accounts. Account with XXXX XXXX, BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter out on XX/XX/XXXX to XXXX. However the credit bureau said the completed the investigation and everything was 100 % accurate. I don't understand how is that possible. I tried calling Barclays and no one has called me back Im on the phone waiting for hrs getting transfer to different departments saying my account is closed, also they showed me the application that was done in XX/XX/XXXX not by me has incorrect information, my mothers name is filled out wrong in a security question this account wasnt open by me. According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to. How did they complete this investigation.
Please help me resolve this issues thank you
|
| 09/12/2016 |
Yes |
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Web |
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Initially in XX/XX/XXXX I obtained a credit card from Barclays Bank of Delaware. I also acquired the XXXX credit protection plan that was offered through the credit card company called " Account Protector '' In XXXX XXXX, I got injured and I have not been to work since I got injured. I filed a claim with XXXX XXXX and they began to pay my monthly statement. Sometime in XXXX XXXX, I received a call from XXXX and was asked by an agent if I knew of how long I would be considered XXXX to work. I then advised the agent, that my doctor was not allowing me to return to work and that I would be considered totally XXXX. I was then informed by the agent that my case would be paid in full and there was no need for me to submit any additional forms. However, in XXXX upon reviewing my credit report, I learned that the account that Account Protector was suppose to pay in full with Barclay Credit Card had not be paid at all, in fact the account listed on my credit report that the company could no longer locate me, that {$1900.00} was being written off, and {$550.00} was past due. However, it was again to my understanding that the insurance company was to pay the account in full. My XXXX Account number is : XXXX, XXXX c/o Benefit Activation Department, XXXX XXXX XXXX, XXXX, FL XXXX. I have called customer service on several occasions to speak about correcting the account and so the credit card company can get paid by the insurance company as it was suppose to do, but for some reason we keep getting disconnected every time they ask me for the account information.
|
| 09/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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First Of All, I want it known that I've Never been Late With Any Payments To Any Of My Credit Cards. On XXXX, I Purchased 3 Money Orders in the amounts of {$500.00} + {$500.00} + {$290.00}, which= {$1200.00} Altogether in order to Pay Barclays Credit Card Company in Full , which was my Balance Owed, & was Due XXXX. I submitted all 3 Money Orders in the Barclays Envelope provided with their Address Showing. Approximately10 days after I mailed my payment I began calling Barclays to Check on my payment. On XXXX They said The Pymt Still hadn't registered. After I Spoke to Money Order Provider, XXXX XXXX, I Realized Barclays was giving me the Runaround, As They instructed Me To Do Many Tasks in which I Followed Every Instruction Carefully. The Excruciating Painful Mental Anguish that Barclays caused me to suffer when my pymt was Submitted Very Early. To add Insult To Injury, After I made the {$1200.00} payment in full a 2nd time Barclays began to falsely & negatively report on my Credit. This Caused my Credit Score To Plummet more than XXXX Points. My XXXX Credit Score was lost due to LIES REPORTED BY Barclays, & I'm Still Working To Rebuild My Credit Score Unfairly. I have attached Proof Of Injuries, Tasks, All Money Orders from XXXX pymt. & XXXX set of Money Orders Sent.
It took up to 4 months For Them to Finally Get the Situation Resolved. It was A Long Nightmare & Im Still Suffering every time I Think about all of That.
Im Still NEVER LATE PAYING MY CREDIT CARD BILLS!!! Im ALWAYS, ALWAYS EARLY PAYING EVERYTHING!
Check my Credit Records!!! The
|
| 06/05/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
On XXXX night I received a call from Barclays fraud detection line about suspicious transactions. They were indeed fraudulent, being described to me as in-person transactions in New Jersey at a place called XXXX, 3 transactions totaling {$450.00}. I filed the routine papers to indicate it was fraudulent. I later received a note saying Barclays had investigated and some of the XXXX items were fraud, but some were not. How they arrived at that decision was not explained. As monthly bills came in, there were late fees and interest charges, so I continued to call to protest the growing balance. I paid for any items which were legitimate charges, then discontinued use of the card. I wrote letters to their dispute resolution line, but never got any replies. Recently they sent me a letter stating they had received a notice of billing dispute from me regarding a charge from XXXX, a legitimate purchase I made, which I had paid for. I NEVER disputed that charge, as my payment for it would indicate. I have tried to call, but their fraud line is not open the hours as stated on their letters. I have sent back my destroyed card, via certified mail, but have not received the confirmation back from the USPS. I am fed up with their incompetence, and their effort to take my payments for legitimate charges to pay their fees and stiff the companies I purchased from.
I have not included copies of documents because I dont want personal information published with this complaint. I do have documents, and will provide if requested by the federal office handling this.
|
| 07/18/2016 |
Yes |
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Web |
|
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I signed up for the XXXX American Express card in early XXXX. Unfortunately, American Express blocked the access to my account after XXXX transferred XXXX credit cards from American Express to XXXX 's Bank in XXXX, so I am unable to provide exact dates. One of the terms of the American Express card was that I would earn XXXX bonus points on my first anniversary after spending {$1000.00} in the first three months.
Unfortunately, my first anniversary with American Express coincided with XXXX 's transfer from American Express to XXXX 's Bank, and even though I spent more than {$1000.00} in the first three months of card membership with American Express, I never received those XXXX bonus points as promised. For several months now, I have sent e-mails, made telephone calls, and sent messages on the XXXX and XXXX XXXX Bank website to no avail. XXXX seems to have dropped the ball, even though the corporation has XXXX percent responsibility in this matter.
It is not my fault that XXXX decided to part ways with American Express and transfer to XXXX with XXXX XXXX Bank. In fact, I never agreed to the transfer of my personal information from American Express to XXXX XXXX Bank and wonder if this is at all ethical. As far as I am concerned, I fulfilled the credit card terms and should have received my XXXX bonus points. Therefore, I will not pay any balance due that was transferred ( without my authorization or consent ) to XXXX XXXX Bank unless and until I receive the XXXX bonus points to which I am entitled.
Please assist me in this matter.
Thank you.
|
| 08/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I was a victim of identity theft and numerous charges showed up on my Barclay 's Gap Good Rewards Mastercard and I filed a dispute with them for many transactions. The fraudulent charges were {$20000.00} and I have documentation showing that my credit limit was only XXXX XXXXXXXX. Barclay 's shouldn't have allowed anything over this $ XXXX credit limit. I never authorized an increase in my credit limit. I have contacted Barclays ' numerous times to resolve this, and they credited me one of the fraudulent amounts, but they were unable to resolve the other transactions that were identical in nature. Barclay 's never explained why my balance was allowed to extend {$10000.00} over my credit limit. I faxed them a dispute letter on XX/XX/XXXX discussing all the fraudulent transactions along with information showing the identity theft. I have reached out countless times to get an update on my dispute, but I have never gotten an answer as to why they allowed the credit limit to be exceeded so significantly.
My hope was that Barclay 's would credit my account for all the fraudulent charges. It doesn't appear that is going to happen. I have repeatedly submitted disputes and they continue to say the charges are valid with no explanation. I don't feel like they reviewed any of my identity theft documentation. I filed a police report for my identity theft because many charges were made on different cards and other cards were opened in my name that I did not authorize. Barclay 's is the only company that has not resolved fraudulent charges on my account.
|
| 06/28/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
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Web |
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I made a purchase from Banana Republic using the XXXX card provided by Barclays XXXX. My bill came due, and I made a payment on XX/XX/XXXX, posted on XX/XX/XXXX, in the amount of {$55.00}. Everything was fine until yesterday, XX/XX/XXXX, when I received an email telling me that my bill is due - I'm behind on payments totaling {$57.00}. I checked my orders, my purchases, my checking account, and that number did not correspond to any purchase. I then checked my statement online, only to see that I'm late on my last payment- apparently, Barclays was " Unable to locate external bank account '' on XX/XX/XXXX, and never informed me. They also removed my bank account information from my profile when I looked further into it.
I reached out to them and they said I have to turn on email notices and that they have every right to charge a late fee ( and subsequently report me to the credit bureaus ) because they couldn't handle the problem on their end.
I don't know what email notifications need to be turned on, but I get everything from them. Regardless of whether I want to be signed up for their marketing emails, they should have notified me immediately as to give me an opportunity to rectify the situation. They did not, and they put me responsible for their error.
This has been an ongoing issue - I had stopped using their cards and left retailers that use their services because of their failure to send statements and notices on time, claims that the customer doesn't have their settings properly configured, and generally horrific customer service.
|
| 03/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
In late XXXX, I opened a XXXX XXXX XXXX Mastercard with Barclays. At the time, the advertised bonus off was XXXX bonus miles if I completed {$3000.00} worth of purchases and paid the annual fee within 90 days. I did this and Barclays has repeatedly acknowledged as much. To date, I have received only XXXX bonus miles. This appears to have been an error or some sort of system glitch. The same thing has happened to my wife who has also been unable to get the matter resolved.
We opened our accounts months ago to obtain enough miles to pay for international flights at the end of XXXX. The flights are quickly becoming increasingly expensive and we need this resolved ASAP.
I have been repeatedly contacting Barclays to obtain resolution. I was initially told it would be resolved within 30 days, which was XX/XX/XXXX. Resolution had not occurred and so my wife and I called in and spoke with a XXXX. The XXXX said he would personally call me around XX/XX/XXXX, to follow up on whether there had been resolution and that if I hadn't heard from him or gotten resolution to call in. I did so, spoke to another XXXX and was told it would be resolved within a few days. Another week went by without any resolution so I called back in on XX/XX/XXXX. To date, I have not received my additional XXXX points and my wife has not received hers on her separate account either. At this point, I have no choice but to conclude I am being stonewalled by Barclays in the hopes I will get tired of trying to fix the issue so that they do not have to give the points they promised.
|
| 03/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
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Approximately 6 months ago I called Barclay 's to ask them to reduce credit card payment. We were still recovering from COVID layoff 's, had a death in the family and actually used the credit card to pay for final expenses. Our rent also went up {$400.00} in XX/XX/XXXX. The representative said that she needed XXXX XXXX 's permission to speak with me. We called XXXX XXXX on a three-way call and he gave permission. The representative said that she would reduce our monthly payment. That did not happen. We called a second time, XXXX XXXX was sitting with me and gave permission for me to discuss the card. This representative ( second time ) said that she could get us to lower payments but it didn't happen. We called a third time, again said they would reduce payment from $ XXXX monthly to $ XXXX monthly. All the while I continue to pay what we can afford monthly $ XXXX {$180.00} monthly. We are ( were ) in the process of buying a house but when the report was ran, it came back that Barclay 's is in delinquent status ( because we wer n't paying the minimum ). We were disqualified for the house ( XX/XX/XXXX ). XXXX XXXX called Barclay 's XX/XX/XXXX ( 4th call ) and the gentleman made arrangements that are now reflected on the website as closed account with payment arrangements. The representative said they did not reduce payment because I ( XXXX XXXX ) was not an authorized user on the account, but I am his legal wife and pay this bill through my account. We lost the home that we were in escrow for because of their incompetence and miscommunication.
|
| 03/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
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Sent from XXXX XXXX on XXXX On Fri, XX/XX/XXXX at XXXX XXXX, XXXX XXXX wrote XXXX Good Morning, I sent this to my accounting department on Wednesday and this is what they advised.
In XXXX of XXXX we ( XXXX ) refunded the charge. Prior to this, in XXXX, you already had a chargeback process going between your credit card company and XXXX. During that time frame you received the refund from us directly.
The charge that appears on the attachment is that further review from the credit company and evidence that they must've of investigated turned their decision against the credit card holder. You would need to speak to your bank directly, as we are unable to refund again since it was already processed on our end.
Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX P XXXX | FX XXXX Open 24 hours a day, 7 days a week.
From : XXXX XXXX [ XXXX : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Subject : [ EXTERNAL ] Fraudulent charges I have already disputed and proven that this was not me. Can you please take it off my charge account again. Sincerely, XXXX XXXX Sent from XXXX XXXX on XXXX Caution : Sender is from outside XXXX XXXX XXXX. Take caution before opening links/attachments or replying with sensitive data. If suspicious, forward to XXXX XXXX Account ... XXXX {$500.00} 31 % ( + ) {$25.00} {$500.00} {$25.00} + ) {$500.00} {$1100.00} XXXX points XXXX XXXX Friday XXXX XX/XX/XXXX Thursday, XX/XX/XXXX XXXX NV XXXX TRAVEL AGENCIES PURCHASED BY TRANSACTION DATE POST DATE MERCHANT LOCATION* MERCHANT CATEGORY Dispute Charge
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| 03/31/2017 |
Yes |
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- Advertising and marketing
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Web |
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Barclays Wyndham Visa credit card is not honoring their XXXX pt offer when I applied. Originally while on a trip to XXXX in XX/XX/XXXX a Wyndham representative indicated that I can link my XXXX account when I Apply to the Barclays Visa Credit card and I will earn points. Plus I would get XXXX bonus points after I make a certain dollar purchase on the credit card. This IS the information that I was told. I did my due diligence and I started using the card. In XX/XX/XXXX of this year I called to follow up with the missing XXXX points and I was told that it might be in the next billing cycle since I had to wait up 90 days. Well XX/XX/XXXX went as did the XX/XX/XXXX billing cycle and no points. As of today XX/XX/XXXX also no points. So I called Barclays Wyndham Visa and they told me that I was not supposed to get XXXX points. I was pretty upset to hear this and they said just look at your agreement. My contention is that a representative from XXXX who gave me the application gave me a pamphlet and verbally told me that I would get the XXXX points and pointed it out in the pamphlet. It really feels like a bait and switch deal. After calling XXXX at the Barclays Wyndham Visa card the best I got was " Do you still have that pamphlet ''. Its been 5.5 months that I 've been dealing with this and NOW I 'm asked to show proof of a pamphlet from XX/XX/XXXX. Its not like I just threw it away today that I can look through the garbage and find it. It was 5.5 months ago. I 'm asking your assistance in this matter and please have them honor what was promised.
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| 06/29/2016 |
Yes |
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Web |
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I made a purchase of furniture in XXXX XXXX at a local dealer and he was supposed to ship me the items. He told me the order was delayed and after giving him ample time, I have understood he is not gon na ship the items. I reached out to my Barclays Premium credit card for help. I disputed the transaction in XXXX XXXX, for the amount. I got a credit into my account, but after 4 months in XXXX XXXX, Barclays took away the credit saying the XXXX wants the money back. So Barclays gave me exact 5 days to prove my case. I called their remote Dispute dept to request more time, since the letter came out of no where. But after multiple snail mails to re-open the case, they kept closing the case, saying I did n't provide enough proof of delivery. I spoke to seller and made him talk to Barclays, and he clearly agreed he did n't ship the items. But now the XXXX says the money is taken back from him. THe money is in Limbo state, and as per XXXX he doesnt have it. And my Credit card is mean and not helping me with anything after many repeated requests. But they charge me that amount and ask me to pay for it. I need help here. I have no way to reach XXXX, and the XXXX himself is not keen on pursuing this, because its my money and he does n't care much about it. My Credit card company, closed the case without enough enquiry or proof. They are blatant and unethical. I need help here, losing money and no furniture and went thru lots of turmoil last few months. Please help. There are so many parties involved here Credit card company, XXXX, XXXX XXXX processor.
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| 10/24/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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The Company in question is Barclays ( Aviator Red Mastercard ), and I have been a customer of them for just a few years. After going out on disability in XX/XX/XXXX and not being released until XX/XX/XXXX, I made payments to Barclays on time and as agreed. However, fast forward to today, XX/XX/XXXX, I have depleted my 401K, IRA, and my savings. Thus, my last payment to Barclays was on XX/XX/XXXX as I currently have no income coming in, and I need the little that I have left to cover my doctor visits and medication for health conditions covered under the Americans with Disabilities Act ( ADA ). I called them when I received my XXXX bill, letting them know that I could not afford to make payments for the reasons I mentioned in this complaint. I have attached what they told me, and please keep in mind that they would only give me an option to settle this once I defaulted, which I believe violates the Fair Credit Reporting Act. The reason is that they wanted me to wait ( and I quote ) until I was on default to make payment arrangements ( although I was being proactive and trying to find temporary help to avoid impact to my credit, which has been immaculate ). As a result, my credit report has been negatively impacted and decreased from having an " exceptional '' credit rating to a " fair '' credit rating, as a result of Barclays and their inability to work with me before default, which I believe is unfair, violates my rights under FCRA, and gives them a horrible reputation taking into account my current situation both financially and healthwise.
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| 07/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
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I applied and was approved for a airline rewards credit card. The card arrived and I did not immediately activate it. I was too busy to do so. About a week after I received it, I got notification that there was possible some unauthorized activity on my new credit card account and they asked me to call a number. I called the number as soon as I could and was told they needed to verify my identity to activate the card. I asked them about the message regarding unauthorized transactions, but they wouldn't address that concern ; they didn't believe I was who I said I was and insisted on doing an identity verification, using questions that appear on my consumer credit report -- going as far as to ask me about a restaurant that is located off of one of the main streets near my home. Apparently my accent was too thick for them to be convinced that I was who I said I was and so the asked me to send them a copy of my state-issued driver 's license. At this point I was so aggravated by the poor customer service and then I was being tasked with mailing them a copy of my ID. I told them to forget it and to cancel my account.
I truly felt they were discriminating against me because of my name and my accent. I don't think people with XXXX XXXX and perfect XXXX accents have to go through this.
To this day my account is still open. To add insult to injury, the are insisting I pay an annual fee for a card I can not use. As they can not " verify '' me, I can not call them for assistance. I have never had this problem with any other bank in my life... ever.
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| 04/16/2015 |
Yes |
- Bank account or service
- Other bank product/service
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- Using a debit or ATM card
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Web |
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Dear Sir/ Madam, While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by Barclays XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report.Barclays has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This isa serious breach of my privacy rights.
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to viewmy credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized andfraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. in case it is needed to locate the fraudulent inquiry in their system.
I then asked them to please send me written confirmation that they have complied with my requests and advised them that their failure tocomply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of their willful noncompliance [ 15U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney feesfor each and every fraudulent inquiry.
Please do whatever is in your power to ensure that Barclays complies with my requests and to avoid other Consumers from
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| 09/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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This all originally started when I sent a payment from my bank account to the credit card company ( Barclays ). The payment was sent before the due date, the details are below this message.
Long story short, they said they didn't receive the payment, and charged me a late fee of {$29.00} So then I proceeded to question them about it, and they reversed that fee, which I was grateful for. But, in the meantime I wanted to know what happened to the payment, so I called my XXXX XXXX XXXX and they said they could stop payment on it. So I did that.
Well then Barclays charged me another fee called " return payment fee '' of {$29.00} XXXX but they never received the payment. So I kept asking them why am I being charged this fee when you ( Barclay ) never received it. They would give no clear answer and will not explain.
I also told them I want the account closed, and they refuse to do so in a timely manner. Saying they keep the account open for viewing or some other reasons. I want to somehow protect myself or know what to do in this instance because I feel somehow they are going to keep charging me fees, and keep the account open - hence why I am contacting you, to have record of this.
Thank you for any help and guidance you may have in this matter, would be greatly appreciated.
XXXX XXXX Details of the original payment. I also attached a screenshot of the payment.
Sent On XX/XX/2020 Delivered by : XX/XX/2020 Amount : {$64.00} Paid from : XXXX XXXX Confirmation # : XXXX Type : Check Sent to : Card Services XXXX XXXX XXXX, XXXX, PA XXXX
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| 01/20/2017 |
Yes |
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Web |
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Today ( XX/XX/XXXX ) I called Barclay Card to make a payment @ XXXX EDT today the customer service # XXXX stated that no automated service was available and to call back later. There was no option to reach a customer service rep either. I called a direct phone number I had to reach a representative. The AVR system ask for last for digits of SS #, my DOB, account number. I was then directed to a collection department. The person by the name of XXXX answered, proceeded to ask me again for the same information I just gave to the AVR system. I refused to give him this info because I had just given the info already. He refused to help me because I refused to give him such info.
I placed a call to XXXX at the office of the President to share my experience. I left her a voice mail. On XX/XX/XXXX I spoke with XXXX who informed that she would be reversing all the late charges, due to misunderstanding. She also indicated the late charges would take some time. For a while I received some collection calls, as she stated would happen. But, when I called today to make a payment, I was told that the account was past due. A 2nd call today was answered by XXXX, again, XXXX and then Manager : XXXX both refused to render any customer service because I would not repeat info I had just given to the AVR system. I feel Barclay Bank deliberately antagonizes customers. I DO NOT owe Barclay any late charges. I would like to have my account balance restored and originally agreed by XXXX. I want any 30 day lates removed from my credit report and confirmation of such.
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| 08/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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|
Web |
Older American |
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XXXX XXXX transferred its credit card business from XXXX XXXX to Barclays Bank around XX/XX/2022. Without notice, Barclay Bank XXXX imposed a {$100.00} per month purchase requirement upon cardholders. If this is requirement is not met, a {$2.00} per month fee is imposed. On XX/XX/2022 I was charged a fee of {$2.00} pursuant to this requirement. While such a charge might seem de minimis, the purchase requirement is not. No information concerning this fee is found on the Barclay Bank XXXX website nor do the FAQs mention this. Prior to the change in banks, no such requirement existed, thus consumers in good faith signed up for a card that did not impose a minimum purchase requirement. Without notice, consumers are now required to spend {$1200.00} per year using this credit card or incur an arbitrary fee, which presumably can increase over time.
I contacted Barclays Bank XXXX concerning this and was told by a representative that she could not do anything about this requirement, although as a courtesy she removed the {$2.00} from my account.
While closing a credit card account is an option, this action can adversely affect one 's credit score for a several reasons. When a consumer loses the available credit limit on that account, her credit utilization ratio jumps, thus suggesting that the consumer is using a higher amount of her available credit.
I believe this requirement to be inequitable, discriminatory and illegal, and particularly harmful to XXXX such as myself who are retired and on a limited income. We did not sign up for this.
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| 05/23/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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This is my letter to XXXX executive office : My wallet was stolen on XX/XX/2019 in XXXX resulting in a charge of {$14000.00}. The perpetrator had a copy of my other ID as well as my credit card when he made this charge. Initially, the first claim investigator I spoke with told me that I would not be billed for this charge as long as I sent in my ID. I did so immediately, due to your system a error was made. They claim that the fax of my ID came in black and they could not see it, no one called me to tell me this at this point I was already on hour 4 of trying to speak with someone to help me. I finally got a hold of someone and sent them in by mail and fax again a copy of my other ID. At this point it was to late and they re-billed me, even though I have proof from XXXX that the original fax I sent was completely valid. I was mislead numerous times. I think its pretty unbelievable that there is no way to upload this documents online.
As a business owner, I know this not to be substantial proof that the charge is valid. I have had made claims made against my business by customers that simply did not want to pay for their charges - where Ive even had video proof and video authorizations from the client themselves - and that still wasnt enough for my merchant processor to win the claim in my favor.
I beg you to review this claim and turn over the decision as I also have evidence of where I was when this charge was being made. Ive spent over 6 hours on the phone at this point.
The charge : XXXX XXXX XX/XX/2019 {$14000.00} XXXX Points
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| 07/27/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I previously notified Barclay Bank that I am a victim of identity theft, and requested them to do the following : Close the unauthorized account Remove all the unauthorized charges from my already opened accounts? Remove any charges on the unauthorized accounts, and Take steps to remove information about these account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company and my already opened accounts were used without my authorization. I did not open or authorize this account and charges, and I request that it be closed immediately and all unauthorized charges be removed. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my Police Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions. Sincerely, Enclosures : Identity Theft Police Report
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| 05/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX, I dropped off a XXXX ( XXXX XXXX rental car at the XXXX XXXX XXXX XXXX, XXXX Airport before catching a flight back to the United States. To my knowledge, the car was in excellent condition with no damages and the rental was paid in full.
On XX/XX/XXXX, a charge from XXXX appeared on my card for {$200.00}.
I contacted XXXX to dispute the charge that I did not recognize. On XXXX XXXX, XXXX sent me a form letter telling me that the dispute case was closed because the company was not provided with proof of paid by other means.
At this point, I began my own investigation and determined that I was being charged for damages to the car. I filed a claim with Mastercard rental car insurance. I have copies of some of the many emails we have exchanged over the last several months. Long story short, XXXX ( operated by XXXX ) never provided photos of the damage or an appraisal or estimate of the damage and therefore my rental car insurance will not cover the alleged damage.
I believe now as I did back in XX/XX/XXXX that there was no damage to the car, and the charge is FRAUDULENT.
On XX/XX/XXXX, I spoke with a supervisor from XXXX who assured me that the charge would be refunded. Today - XX/XX/XXXX - I was told the case is closed and no refund will be issued to me.
As a consumer, I am caught between a rock and a hard place.
1 ) XXXX will not provide evidence of the rental car damage 2 ) Mastercard rental car insurance will not pay the damage because there is no evidence 2 ) XXXX will not refund the charge.
Please help!!
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| 08/27/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
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Web |
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On XX/XX/23, I attended a time share presentation at world mark in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX in exchange for free gifts. During the presentation I was harassed and pressured to complete an application to get a pre approval so that they can present me with package options. This was the only way they would give me the gifts despite that It was never disclosed when I agreed to attend the presentation.
I asked the associate that it looks like Im applying for a credit card and he said no its not. Well to my surprise after the presentation I ended up with an inquiry and XXXX Credit cards! This is fraud! I called the resort afterwards and asked, if I attend a presentation do I have to apply for a credit card and there response was no absolutely not! Which is a lie! One way or another theyre either having customers leave the presentation with a worthless time share package or credit card without your knowledge! At no point did they say I applied and was accepted for credit cards!
The inquiry showed up on my credit report as BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Below are the two credit cards that showed up on my credit report : BARCLAYS BANK DELAWARE Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Account type : Flexible spending Account Credit limit : {$15000.00} XXXX XXXX XXXX XXXX XXXX, OH XXXX Account type : charge account Credit limit : {$9200.00} Credit card was contacted about the cards opened without my knowledge and they gave me the run around and didnt address the issue.
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| 03/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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My Barclay Banana Republic Mastercard had many unauthorized charges since middle year of XXXX. I called Barclay immediately as soon as I found out the issue in XX/XX/XXXX. As requested by me, they closed my account on XX/XX/XXXX. Their dispute department followed on all the unauthorized transactions, and resolved my issue by XX/XX/XXXX. My balance on XX/XX/XXXX was {$0.00}. By XX/XX/XXXX, I received credit card statement from Barclay which showed that my account was charged for {$60.00} by merchant named " XXXX XXXX XXXX XXXX, XXXX '' on XX/XX/XXXX. On my XX/XX/XXXX statement from Barclay, it showed transaction of {$60.00} credit by merchant, " XXXX XXXX XXXX XXXX, XXXX '' on XX/XX/XXXX. My balance was {$0.00} as of XX/XX/XXXX. On XX/XX/XXXX, I received statement from Barclay, which showed a transaction on XX/XX/XXXX of {$33.00} purchase by merchant named " XXXX XXXX ''. My balance on the XXXX statement was {$33.00}. I immediately called the Barclay 's customer service in XXXX, XXXX, and filed dispute for the charge of {$33.00}, since it was not authorized by me, and the fact that my account was closed. On XXXX XXXX, XXXX, I received statement from Barclay which had balance of {$65.00}. On the same statement, on XX/XX/XXXX, there was transaction of " Late Payment Fee '' of {$30.00}. In addition of XX/XX/XXXX, translation of " MINIMUM CHARGE '' of {$2.00} on the same statement in XXXX, XXXX. I called Barclay 's customer service on XX/XX/XXXX to file dispute of additional charges and reminder of previous XXXX, XXXX unauthorized charge.
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| 07/24/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Older American |
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I have a XXXX Credit Card through Barclaycard. The card expired in X/17. When I received the new card in XXXX, I did not activate it ( as I was not planning to use it ). They sent an email on X/XX/17 that a payment is due and payment was due X/XX/17 ( I thought the time when a statement is sent and payment is due is more than 10 days, am I wrong? ) Since I had not charged anything on that card for years, I just deleted it. Then today I get a notice that the payment is past due. I looked online since they did not mail me a statement and there was a charge on XXXX for XXXX in the amount of {$11.00} -- followed by another charge of {$11.00} on XXXX for XXXX. Then they charged me {$24.00} for late payment fee on XXXX and interest charge of {$.00} on XXXX. Then to add insult to injury, there was a charge of {$9.00} dated X/XX/17 from XXXX XXXX. None of those charges are mine. ( I have never had XXXX -- do n't know how to use it and sure do n't know what XXXX XXXX is ). I called the company today and complained and asked that they close my account. But I am afraid that they will post that I am past due on payment ( even though they were not my charges ). But my question is ( and complaint ) - How can a charge be posted to an account that was not activated? I think there is an employee in the institution that is looking for accounts that have not had activity for a long time and then selling that number to???. Also somebody in the inside had to activate the card to make the charges go through the system. Please check this out and let me know.
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| 10/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/2021, someone managed to 'hack ' my credit card with Barclays XXXX account ending in XXXX. At the time, Barclay 's customer service reached out to me to report fraudulent activity at XXXX XXXX, around {$200.00}. The service representative then asked me to go over recent charges with me to see if any other fraudulent activity could be identified. We noted two charges, one at XXXX XXXX for {$250.00} and one at XXXX XXXX # XXXX for {$210.00}. I was told that these charges would be removed, as they had occurred around the same time as the XXXX XXXX charge.
On XX/XX/2021, Barclay card sent me a letter to let me know that they believed the activity for XXXX XXXX # XXXX for {$210.00} was valid, and they had chosen to place this charge back on my account. Although I did not receive a letter for it, they also chose to add the charge from XXXX XXXX of {$250.00} back to my account. Neither of these charges were valid. I cancelled the card due to this, as I felt that I could no longer trust the company ( and my credit line was {$14000.00} ). During this cancellation call, customer service told me that a manager would call me back to discuss options. I have never received a call.
I have tried to file a dispute online for these charges, but since my credit card is cancelled, and I no longer know the number for the one that was stolen ( as I was advised to shred it on XX/XX/2021, and another one was shipped, ) I can not file a dispute via the website.
I also can not attach a cardholder agreement, as the website will not provide it.
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| 04/11/2017 |
Yes |
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Web |
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During the evening on XX/XX/2016 while in XXXX XXXX I was approached by a mall vendor concerning the purchase of women 's moisturizers. Though I had no intention of purchasing that evening I did agree to make an an appointment for the next day. My card was used to 'hold ' the appointment with a vendor. However, on the morning of XX/XX/2016 I decided to cancel the appointment and called the vendor to inform them of the cancelation. I was told no appointments had been scheduled yet and they confirmed that no charges would be posted to my card. Just to make sure, I also phoned my credit card company, Barclay/XXXX the same day, to advise them of a possible charge of {$320.00}, that was not authorized. At that time Barclay informed me the charge had not appeared and that a 'flag ' would be posted regarding my call. However, upon receiving my XX/XX/XXXX credit card statement the charge WAS posted to my account. I called Barclay XXXX and was advised to begin the process of dispute resolution.
Since then I have written several letters to no satisfaction and am now filing my complaint with the CFPB concerning this charge and credit card company 's handling of the situation. I have requested my account be closed since finding my credit rating has been effected by approximately an XXXX point drop along with interest charges over {$230.00}. I would like resolution of this unauthorized charge and information on how to correct this " failure to pay '' posting on my XXXX /credit rankings. Before this occurred, my rating was in the XXXX. thank you
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| 02/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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On XX/XX/2022 I sent Barclays a letter requesting debt validation pursuant of to the Fair Debt Collection Practices Act, 15 USC 1692g stating their claim that I owed an alleged debt was disputed and validation is requested. I respectfully requested their offices provide me with competent evidence that I have any legal obligation to pay you. At that time time, I also informed them that if their offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact if any negative mark was found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. As you can see in the attachments, Barclays reported negative information to the consumer bureau 's without validating the alleged debt they have in my name. I also provided to them an invoice to pay for the 7 violations of 15 USC 1692 that Barclays has committed in the process of defaming my character.
P.S.
The following attachment is the notarized Affidavit of Truth I sent as well as a Debt Validation Letter, Cease and Desist and finally and invoice for the violations committed. The last page will show a return mailing receipt signed as evidence that they received these documents over 30 days ago and have failed to respond.
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| 08/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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Recently, in XXXX of XXXX I checked my credit report as I was preparing to apply for a personal loan and realized an account was showing on my report in which did not belong to me. I didn't authorize for the account to be opened in my name nor did I agree to be added as an authorized user. The account in question is with BARCLAYS BANK DELAWARE and the account number is XXXX. The credit limit is XXXX and the balance showing is for XXXX. Immediately, I contacted XXXX. I was told over the phone that I was not the primary account owner and in fact someone had added me as an authorized user. XXXX then advised me that a simple dispute would correct this situation being I was only listed as an authorized user and can not be held responsible for an account I'm not the primary account holder on. They said my information was compromised during a data breach and a lot of there customers were having this problem. The dispute was to be completed within 30 days and upon completion the account in question would be deleted off my report. Upon completion, BARCLAYS BANK DELAWARE refused to delete the account off my credit report stating all the information listed on the account was correct. XXXX then advised I reach out to the Consumer Financial Protection Bureau and file a complaint as well as an identity theft report as its clear I was a victim of identity fraud. I've done both. The account in question has dropped my score XXXX points bringing me from a XXXX score all the way down to a XXXX and needs to be deleted immediately. It is not my account.
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| 05/29/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
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Web |
Older American |
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I closed my credit card account with XXXX XXXX XXXX XXXX XXXX ( through Barclays ) on XX/XX/2019. I was told to pay the balance minus the annual fee ( which was due that cycle ). I did so. But for subsequent THREE billing cycles I have been billed for the annual fee on a card I cancelled. In addition, the credit card company is charging me late fees and interest on the card. I have called the credit card company repeatedly and spoken to Barclay representatives who, each time, have apologized and indicated to me that the charge for the annual fee ( and all subsequent late charges and interest ) would be immediately removed from my account, the account closed, and a report made to the credit monitoring agencies about the mistake so that it does not impact my otherwise excellent credit score. I just received yet another bill from Barclays with a credit for {$27.00} in late fees and {$1.00} in interest charges from the past two cycles BUT with the same annual fee charge and a new interest charge for " late payment '' on the annual fee. No matter how many times I call them about having canceled the card months ago, they keep billing me for the annual fee and reporting me as late to credit monitoring agencies and charging new interest on the " outstanding payment for the annual fee '' on a card I no longer use or own. Because all of my efforts have failed, I am now contacting the Consumer Financial Protection Bureau for assistance. I am especially worried about the ongoing impact this will have on my credit rating. Please help. Thank you.
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| 02/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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To Whom It May Concern, I am submitting this formal request/complaint regarding the accuracy of reporting of my monthly payments to my Barclays Credit Card, account number XXXX ( the Account ). I have received and reviewed my current credit report. The pay history reported on the Account, reflects a Delinquent 120+, current late date of XX/XX/XXXX 150+, six times 90+ days late, 1 time 60 days late and 1 time 30 days late. My monthly payment is a monthly auto draft from my XXXX XXXX XXXX checking account number ending in XXXXsee attached ). As the payment history reflects, I have made timely monthly payments to my account for at least the last 13 months ; I could prove more if needed. It is obvious that I have not been late with my payments at any time. In addition to the incorrect payment history, there is {$15.00} charge, which I do not owe, but recently paid in an attempt to close out this issue and fix my account history.. This gross error in reporting has caused a substantial negative impact on my credit score. I have contacted Customer Service, to no avail, to rectify this situation. I am in the process of refinancing my mortgage and unable to move forward due to the derogatory credit reported on the Account. This inability to refinance my mortgage will cost me a substantial amount of money in interest charges. I am therefore submitting this written request/complaint to rectify this situation and demand that the correct pay history, on the Account, be reported to XXXX, XXXX and XXXX immediately.
Best regards, XXXX XXXX XXXX
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| 01/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XXXX XXXX, a {$9000.00} charge was made to my Barclays charge card. Barclays determined the charge was fraudulent and XXXX accepted Barclays ' charge back request on XX/XX/XXXX and returned the {$9000.00} to Barclays. Unfortunately, the charge remained as a debt on my Barclays credit card and I was forced to pay it off to avoid ruining my credit. After repeated attempts to resolve the dispute, I filed a XXXX complaint on XX/XX/XXXX. As a result of that complaint, it would appear that the problem is with an interface between Barclays ' fraud and debt/credit accounting sections.
Over the last 18 months, I have spoken with hundreds of customer service representatives/supervisors and more than three upper-level managers at Barclays ; provided documentation of XXXXXXXX 's response ; and written numerous letters requesting resolution. Barclays has assured me since XX/XX/XXXX that payment would be made to XXXX and nothing has happened. These efforts have involved more than XXXX hours of my time. Resolution of the problem by Barclays has taken so long that the only option available now is for Barclays to refund the money that I have paid and I will take care of resolving the issue with XXXX.
I am attaching the results of the XXXX complaint and documentation of some of my interactions with Barclays and XXXX employees. I have additional documentation, including copies of several, but not all, of the letters that I have sent Barclays regarding this matter. Please respond to my email with any additional information requests you may have
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| 08/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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At the end of XX/XX/XXXX I was moving from a rental back to my primary residence. I believe during the move one of the movers took my credit card and used it. The dates in question are XXXX for a total of {$4200.00} This illegal activity was discovered on or around XX/XX/XXXX when we called customer service to deactivate the card since it has a XXXX $ fee to it and was meant to be used when we flew XXXX. All fradualant transactions occurred on the authorized card ending in XXXX with the main acct ending in XXXX. A thing to note - since the opening of this account, zero transactions had been made on acct ending in XXXX.
I received a letter marked XXXX saying " We have completed the investigative process. Our research has indicated that the transaction ( s ) is valid ''. They stated the card had a chip so it was used it person, I asked them to provide evidence that I made these transactions. They could not.
I have not made any of these transactions.
I called on XX/XX/XXXX to inform them this is not a dispute as mentioned in their response letter but theft/fraud. Barclays customer service informed me they will look into it, I called back on XX/XX/XXXX and was told since the card has a chip in it that it was a valid transaction and that I had to pay this amount. They also state the burden of proof is on me to prove I did not purchase these items.
On XX/XX/XXXX I went and filed a police report.
After disputing it further I was told someone will call me in 10 business days, but I have lost confidence in their customer service.
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| 09/20/2016 |
Yes |
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Web |
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My Barclays credit card payment was made on XXXX/XXXX/2016 in the evening. I began receiving collection calls from Barclays bank about a pass due balance because my payment was not made by XXXX. I ask Barclays to please make an exception and waive the late fee. The is not typical credit card payment policy. People tend to forget this little fact about this particular credit card. Barclay card refused to waive the late fee. My position is that the payment was made on the due date, a cutoff time of XXXX is just their way of extorting additional credit charges from account holders. Subsequently, Barclays continues to add late charges onto my card balance. This alleged pass due balance was created by Barclays. I will not accept, nor acknowledge the late engineered late charges generated by them. This card was aligned with XXXX, now American airlines. The half price airline voucher they issue annually as a perk is never usable or accepted by the airline for XXXX reason or another. I am asking CFPB to review Barclays Bank credit card collection practices and to have this bank remove the late charges they keep tacking onto my credit card balance. I have closed my account with them due to their terrible customer service. I am always left on hold for over 15 minutes when I ask for management staff or disconnected and ask to re-verify my Identify after I have already entered that information when I placed the call. I have been denied service when I refuse to do so. I feel they use these tactics to discourage their customer to dispute issues.
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| 10/17/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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In early XX/XX/XXXX i reached out to speak about a XXXX $ fee for their AAdvantage card. I said i wont be traveling and needed a different type card because it didn't make sense to pay and not be able to use the card they suggested since i had an excellent payment record that i not close the account but pay the fee then ask a supervisor to help me navigate a more fitting card The supervisor never called with XXXX different messages left. Sometime layer they called to say i disputed my payment. This is another lie. She said well they flagged your account so i will need to authorize your checking account. I normally always used my debit card.
Eventually with numerous calls and nearly XXXX hours of conversation with this company i realized they couldn't have used my trust account.
The XXXX argued with me again today for almost XXXX hours about my account being closed and me having them try to take it out of a closed account. This never happened. Eventually, after countless hours and struggling with the foreign speaking XXXX, I called XXXX XXXX and they verified that XXXX XXXX was closed a year and a half earlier and they had not used that account and they made stupid mistakes. she finally realized they had attempted to use an old account. As XXXX XXXX was acquired by XXXX in XX/XX/XXXX. They were attempting to continue to use my closed account and bill me more and more. They ultimately continued to bill and bill and never found a replacement card or called me back. I need my credit company fixed and any and all fees reduced ASAP
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| 05/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
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Today, I got an alert from a credit monitoring service that the balance on a card went up, which is not too unusual as usage fluctuates on all my open cards obviously. This notification stuck out as it was for Barclays and I have no open accounts with them.
I had the apple financing card through Barclays since XXXX, which was a XXXX XXXX. This was then converted into the Barclays view mastercard after XXXX cut ties with them a couple years ago. I closed the view card in XXXX of XXXX.
I log into my online account and see a XXXX charge from XXXX on XX/XX/XXXX, I now had a statement and a payment due on an account I closed and paid in full.
I call Barclays and tell them this is not legitimate and ask why on earth they let a charge go through XXXX XXXX after the account was closed. They then tell me this charge was not only on the closed account, but it was on the XXXX XXXX number ( back before they moved me to the mastercard ). They can not answer why their system is set up to accept charges on closed accounts. They issued me a provisional credit while they " investigate '' the fraud claim.
Barclays let a charge go through on a closed account ( not recently either ) from an old card number ( and different network entirely ) when I had " XXXX '' available credit ( according to their automated system. My credit reports also show this account is open again and has a balance, neither of which should have happened.
I can not provide the CFPB with the account number as it has been closed XXXX years and I no longer have the card.
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| 03/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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Today, XX/XX/XXXX, I received an email from Barclays regarding my XXXX account monthly payment. It stated the payment due was {$630.00} with a due date of XX/XX/XXXX.
The usual monthly payment is {$29.00}, so this was highly suspicious.
I logged into the website to look at my account and there was a charge labeled " PROMO RATE CORRECTION '' from XX/XX/XXXX ( posted on XX/XX/XXXX ) for {$610.00}. Looking at the charge details I saw that it said it was authorized by me.
I called their customer service and was told that it was from accepting a 0 % apr promo. I asked for an explanation of how accepting a reduced interest rate resulted in a {$610.00} charge. The agent got their supervisor who then stated it was a system glitch.
I asked her what had glitched to get this very exact number ( 50 % of the account balance ) she stated she did not know but that since I had not authorized it, it was going to be removed from my account.
I called their complaint department directly after hanging up and this agent told me this glitch had happened in early XXXX. She stated Barclays was working to refund these amounts. I asked her why I had not been informed at all- and if I would have been if the email hadn't raised concerns.
Her response was to say they would send me an explanation in 7-10 days. My worry is that they are defrauding anyone who agreed to 0 % apr and only fixing the accounts that notice.
It feels illegal for them to add bogus charges to accounts without alerting the customer and offering a detailed breakdown of the charge.
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| 03/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Older American |
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On my XXXX bill from Barclaycard there was a charge of {$1500.00} made on XX/XX/2020, from XXXX ( some weird company I've never heard ) of located in the state of Georgia ( I live in Florida ). I immediately contacted Barclay 's and told them this charge was fraudulent and they issued a refund and cancelled my card sending a replacement. They sent me a letter saying their initial fraud investigation showed I was not liable for the charge. In a few weeks, however, they reissued the charge, saying their " proof '' I made the charge was the company had my address ( no proof of what services provided or anything shipped to me ). I told them I would NOT pay this, that I did not receive any services or items from that company. I asked what actual proof they had for this charge ( so I could dispute it ). They then started another ( real? ) fraud investigation and on XX/XX/XXXX said they would resolve this in 45 days ( business days? I did not know how long to wait so I waited until now before proceeding ). I still have not received any report or final conclusion from them, and I can categorically state I have never received any services or items from that company and would love to see proof otherwise. However, I keep getting monthly bills from Barclay and the interest now is adding up ( my bills with all my credit cards are always paid in full and the only time I ever used my Barclay card prior to this was for purchases from XXXX ). My credit for 50 years has always been exemplary and this is unacceptable behavior on Barclay 's behalf.
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| 10/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with cash advances
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Web |
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Around XX/XX/XXXX I received a bill from XXXX. On XX/XX/XXXX I used my Barclaycard Rewards Mastercard and my XXXX XXXX card to pay the bill from XXXX. XXXX XXXX is a service that allows you to generate a random, temporary card number before you make a payment to increase your security. Because I was going to pay citi over the phone, I wanted to be as secure as possible. Although I was not receiving any cash from this transaction, The charge was for {$4500.00} while my Barclay card has a cash advance limit of a mere {$1800.00} so it did not occur to me that it was even possible for this to be classified as a cash advance. Nevertheless, when I logged into my Barclay account on XX/XX/XXXX there was a cash advance fee of {$220.00}. I called and was told that the customer service rep can not waive this fee and can not transfer me to a manager but that I would be called back within 2 days and I was given case number XXXX. On XX/XX/XXXX I received a voicemail from a manager the next day and called her back within the hour but was connected to a frontline rep who couldn't transfer the call or resolve the issue and was again told I would get a callback. Fearing that this would stretch into eternity, I went ahead and paid off my balance in full for fear of the insane interest rates they must surely be charging me. Finally on XX/XX/XXXX I spoke with a manager on the phone. I sent the manager copies of the relevant statements showing that I did not receive any cash but in fact had paid a bill. The manager said she can not waive the fee.
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| 01/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
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I will give a basic portion of the story, but from the start of opening the credit card, I had problems with the balance transfer option. On XX/XX/XXXX a balance transfer of {$3000.00} was requested by me. I inadvertently entered one digit on the credit card number for my credit card. BarclaysXXXX XXXX continued to process the balance transfer, without verifying if the name, expiration date, and security matched, which is obviously did not match all my info. I now have a {$3000.00} balance on my credit card through Barclays that is not mine, it was transferred from someone elses credit card. No attempts by the credit card company have been made to fix the situation. They charged me a fee to transfer to the balance as well. At this point, I have a {$3000.00} balance on my card that isnt mine, that I have to make minimum payments on. I have been dismissed by customer service, telling me they wont get back to me for XXXX billing cycles, let alone whether or not theyre willing to admit to the mistake of not verifying my account info or rectify transferring the balance and removing the balance and the fee. I am beyond frustrated to be paying a balance I didnt incur, only for my concerns and amount of stress over this to fall on deaf ears. I have been attempting to rectify the problem and messaged customer service, and spoken to a representative at the company on XX/XX/XXXX. The issues has not been resolved and no attempts to help me have been made, except tell me I have to wait XXXX billing cycles for a mistake that was their fault.
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| 07/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I filed a dispute claim on XX/XX/2022, regarding the merchant XXXX XXXX XXXX XXXX. The management made an unauthorized charge on my Barclays Visa Card without my knowledge or consent for guests that I did not authorize. I called and emailed the manager regarding the charges but he did not provide a resolution. The total amount of the unauthorized charges is approximately {$1100.00}.
I filed a complaint with Barclays Credit Card on XX/XX/2022. I received a letter on XX/XX/2022, which stated, " Unfortunately, we're unable to pursue credit on your behalf for this particular transaction ( s ) for the following reason : We were not provided with proof of paid by other means. I do not understand ( paid by other means ).
I provided Barclays with emails regarding how I was paying for the rooms for my XXXX XXXX and XXXX Celebration. I did everything within my control to reach out to the hotel several times regarding what I authorized on my Barclays Credit card. A Barclays representative told me I should have not given them my card number. If you asking for service from an establishment it is required to give your credit card to hold the rooms.
Seven of my guests ' rooms were charged to my credit card. I had approximately 43 guests from several states who paid for their rooms with their credit cards. I book 10 rooms for my guests. Five of the rooms were booked for my brothers and, I authorized my card to be charged.
I want Barclays to remove the {$1100.00} from my account. XXXX XXXX XXXX XXXX is charging me for their incompetence.
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| 01/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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On XX/XX/XXXX I refinanced my home and elected to use some of the equity I pulled out to pay down/off a credit card I have with Barclays Bank XXXX The title company title365 sent me a check in the amount of {$4400.00} to send to Barclays. One XX/XX/XXXX I mailed them said check. This was not the only company I did this with, so about a month later all of the other checks I mailed except for the one sent to Barclays had been applied to the respective accounts. I called Barclays on XX/XX/XXXX to inquire where my payment was and why it had not been applied. They said they would research and figure out what is going on and let me know within 7-10 business days. I subsequently called Title365 ( on XXXX XX/XX/XXXX ) to check to see if their check had been cashed, and they informed me that it had cleared as of XX/XX/XXXX. I then reached back out to Barclays to inquire about the status of my check being applied to my account, they said they had not found it yet, but they would escalate my case and gave me the case number of XXXX to track all of the activity. It is now XX/XX/XXXX and I called again today seeing that my payment still has not been aplied to my account with another " wait XXXX to 5 days '' and you can call back. I am blown away that a company whom I have spent a ton of money with over the past several years is soooo slow and incompetent. Any help that can be provided in resolving this case would be greatly appreciated. I let the representative I spoke to today ( XXXX a supervisor ) know that I would be contacting the CFPB.
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| 09/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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Hello, I have XXXX XXXX XXXX from Barclays bank. I filed for dispute with XXXX XXXX transaction for {$140.00}. Case # XXXX in XX/XX/2020.
XXXX XXXX subsidy XXXX XXXX sold tickets in XX/XX/2020 with term that allowed 50 % refund for ticket price and 100 % for additional service ( seats and baggage ). They canceled flight in XXXX and I requested refund. Refund was denied base on new term by airline : " refund will be available 60 days after company resume normal operation ''.
After that I asked credit card to start dispute base on original term. It must be XXXX Euros.
Credit card open dispute and on XX/XX/2020 they send letter that credit could not be issue without supportive documents. I got letter one week later and contact credit card about the way of sending information. Credit card dispute page not providing this option.
During my phone conversation with Customer Service, I was told that dispute closed and Dispute department work like " on call service ''.
I sent regular mail with documentation for review. It was delivered on XX/XX/2020. On XX/XX/XXXX credit card denied dispute and issue credit. They recommended to resubmit request before XX/XX/2020. This is day of my flight. I called to them on XX/XX/2020 and was told that dispute closed again.
Still, no Dispute Department personal available and i have to refile again.
None of the letter state that dispute was closed.
This is complete fail by credit card to follow their term and condition for dispute, denying service that they have to provide and protect customers.
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| 05/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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My Jetblue Barclays credit card was used to purchase at XXXX XXXX XXXX on XX/XX/2024 ; I informed the company that the card was in my possession and that I was not the person making those purchases. At the moment, they removed the charges from my account. However, this month, I received a statement with the reverse charges and an explanation that says that the fraud investigation team found the charges legit because I told them that the card was in my possession and according to their policy and rules, their chip can not be replicated and I have to take responsibility of those charges. I offered to send a copy of my passport to prove that I was in the US when those charges were done, but they did not guarantee that that would help. I feel very frustrated because those chips are being replicated or the thieves are using something to steal the information. The Barclay credit card company is not helping its customers resolve these fraudulent transactions.
Below are the charges I am being forced to pay for : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$8.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$37.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$70.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$120.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$48.00} Total purchase activity for this period {$320.00}
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| 07/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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Good Morning, I have been with my Barclays Bank Credit Card company for 10 plus years and have never missed a payment or been over 30 days late, never! In XXXX of 2020 during the height of COVID, my job was in jeopardy and I was not completely focused on other issues. I sent {$420.00} to the credit card for payment. Apparently {$460.00} was due and I didn't realize it. In XXXX when I sent the bill, it was a few days late and they received in XX/XX/XXXX I believe. Well that put it over 30 days late for the {$40.00} from XXXX. I asked Barclay 's Bank for forgiveness and to take this off my credit report. My credit score was XXXX and it is now in the mid 600 's because of an honest mistake during a world-wide pandemic. They refused to take it off and said it was due to the integrity of the credit reporting. Again, we are under this global crisis and I have never been late with them. They refused via letter and I followed up and got a call from someone in customer service and he refused also. I made the point, if I asked originally for forebearance, this would not have been an issue, but again, my job was in jeopardy as my hours and salary were cut. I did lose focus on other things, but due to my long history of payments with them, I thought someone could help with a good will adjustment to take the late off my credit report. They refused. I am now begging you for assistance to see if they can take this off. It i basically a {$40.00} mistake by a few days over 30 days during this world crisis and they are not helping.
Thank you.
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| 07/19/2015 |
Yes |
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Web |
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In XX/XX/XXXX, I filed a billing dispute with Barclay Card for a {$99.00} charge to my credit card on XX/XX/XXXX by a merchant called XXXX. I informed Barclay Card that I had tried to resolve the issue with the merchant but the merchant was unresponsive. I provided Barclay Card with documentation in the form of a XX/XX/XXXX XXXX e-mail stating that if I signed up for XXXX on that day, the second month would be free to me and XXXX would not charge me a monthly membership fee until XX/XX/XXXX. I also provided Barclay Card with an e-mail confirmation proving that I did in fact sign up with Class Pass on XX/XX/XXXX. Subsequently, I received a XX/XX/XXXX letter from Barclay Card which stated that Barclay Card 's investigation could take up to 45 days. I waited well over 45 days and when I did not hear back, I called Barclay Card around XXXX/XXXX/2015 and was told that Barclay Card had closed my case without resolving it and without informing me. Misleadingly, my Barclay Card billing statements still included an untruthful note that they were still investigating my billing dispute. Then, I faxed Barclay Card again and asked that my billing dispute be re-opened. Unfortunately, Barclay Card responded by sending a letter to me on XX/XX/XXXX stating that " Due to the length of time that has passed since this charge posted to your account, we are unable to take further action on this disputed charge. '' I timely filed my dispute yet Barclay Card is now saying that they can not do anything about the disputed charge because it is too late.
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| 12/25/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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Attempted to make my payment online ( like I always do ), but the system kept showing that my username and password were incorrect. I attempted four times and I was unsuccessful. As such, I called customer service and they placed me on hold for over XXXX minutes. I called again and waited until I had to hang up. I couldn't send an online message because I couldn't log in. Bear in mind that I didn't have to type my username and password, they are autofilled on my computer. So there was no chance of me entering the incorrect credentials. Additionally, I was able to login with the same information this morning, and I noticed that my minimum payment went from {$36.00} to {$100.00}. I was also charged {$30.00} late fee, and I'm sure that they have also hiked the interest rate because I was unable to login. I have never been late with a single payment.
Prior to all of this, I was unwell and was on XXXX income through my employer. My husband has also lost him income because of a medical condition. We have to pay bills out of our savings. As such, I requested a hardship payment plan and it was denied.
My card was previously serviced by a different bank, and I never had a problem until Barclays took over. First, they received my payment, and sent me late payment notice last month. Then my interest rate was set at the maximum rate even though I have good credit, and I have never made a late payment.
This is absolutely ridiculous! Instead of helping someone who has always been a good customer you're trying to create more problems.
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| 05/23/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Older American |
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I have a Barclay 's XXXX XXXX credit card. I made a payment XXXX XXXX for {$1000.00} from my XXXX XXXX checking account by a process where payment is done electronically using my routing number and account number. On XXXX XXXX , I make another payment the same way, for {$1600.00} using my set up routing number and checking account number. Between th e 2 pay ments, my XXXX XXXX checking account is lowered by {$2600.00} and on XXXX XXXX , XXXX shows my balance being deducted by that amount. Barclay bank shows me on line they have received my payments and they have them processed, BUT they do not show them as increasing my available balance by {$2600.00}. They tell me they have the right to hold the money for up to 10 days before putting it back into my credit availability. Never are bills paid by check. They are all ways paid by electronic funds between XXXX banks, or as I have heard, the US treasury reserve bank. By holding this money, even though they say they have received the money, they say they have the right to hold it against liability issues, for up to 10 days. XXXX does not have my money and Barclay bank does not make these funds available to me. They use semantics by telling me they have my money but reserve the right to hold it up to 10 days. By doing this to me and millions of other people, they are using my money and others ' for profit and using it for free. I want to complain to the US finan cial department regulators this is not fair and Barclay 's should be held accountable.
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| 05/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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I 've put various complaints in w ith Barclay regarding fraud committed by at the time my husband in which he had also taken XXXX other credit cards out under my name and each of those banks, did their investigations and found all credit cards taken out in my name to be fraud. Those credit cards are XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX , utility bills, gambling sites, and IRS. Also included was IRS and Mai l Fraud. This particular credit card company because bills were being sent to the address they have on file which was my current address is the reason they are not investigating this as fraud. My husband was XXXX I worked and he did n't work and was receiving all mail correspondences at this home. I 've never seen a bill or even knew he had used my ss number to take this card out. I received a letter from a XXXX XXXX - Customer Advocate Team in which I 've emailed him back on numerous occassions and he never responded to any of my emails including the police report filed, letters from other banks stating fraud was committed as well as filed numerous complaints. I have discussed this with my lawyer who has asked me to do a final contact to Barclays before I take other actions. After reviewing all the proof I 've collected to my lawyer, my lawyer stated I can receive serious damages for the credit issues my husband at the time has caused. There is a PFA against XXXX XXXX and I am prepared to work with Barclays to sign anything needed to clear me from this fraud. Please let me know
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| 04/26/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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I received a credit card f rom Barclays Bank that I never applied for. I contacted that bank immediately and Barclays informed me that an online credit card application was applied for using my social security number and other information. I requested further information regarding the online application, such as the source location. I then followed through with the identity theft steps outlined at IdenityTheft.gov, one of which is to send Barclays a letter requesting records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act, which I s ent on XXXX XXXX , XXXX . Along with the letter I enclosed the following documentation : Proof of my identity : A copy of my drivers license. Proof of my claim of identity theft : A copy of the police report about my identity theft. A completed and signed FTC Identity Theft Report. I request ed that Barclays provide all records relating to the fraudulent account, including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Section 609 ( e ) of the Fair Credit Reporting Act states that Barclays must provide documentation of fraudulent transactions resulting from identity theft, not later than 30 days after the date of receipt of a request from a victim. As of XXXX XXXX , XXXX , I have had no response fr om Barclays regard ing the request for records.
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| 06/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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1, On XX/XX/ my car 's engine light went on. I drove to XXXX XXXX. The assistant diagnosed my car saying : car still drivable. Mechanic is in XXXX. I can bring the car back when he is coming back in a month. On XX/XX/XXXX, I received a text message from the mechanic-XXXX telling me to bring car to him. I sent the car in on XX/XX/XXXX. XXXX kept my car for a month and called me on XX/XX/XXXX saying car is ready and fee is {$3500.00} ( I paid by XXXX XXXX by Barclays ). He give me a handwriting invoice which is not readable/ not showing parts number ).
2, I drove my car home ( about XXXX miles ) and stayed home for the holidays. On XX/XX/XXXX when I used the car I found the coolant tank pouring water and AC stopped working etc and send the back to XXXX XXXX. XXXX kept my car for another month and released it on XX/XX/XXXX giving me an invoice ( computer printed/still not showing parts number for {$1800.00} ( I paid by XXXX XXXX ). But XXXX said he forgot to fix my A/C asking if I can pick my car another day after A/C fixed. I feel I need to see another mechanic.
3, So I drove my car to XXXX XXXX. Mechanic XXXX found my A/C wire isn't nature damaged, obviously cut by a wire cutter. XXXX also could not find any new part in my car telling me to get an invoice showing part #, but XXXX XXXX failed to provide the invoices showing parts numbers so I disputed both charges with XXXX and Barclays requesting XXXX to provide the computer printed invoices showing parts number, but Barclays did not do anything and simply close my dispute.
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| 12/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I Used my XX/XX/XXXX Mastercard through Barclays bank to purchase a trip back in XX/XX/XXXX XXXX through XXXX. for the amount of {$3800.00} and insurance payment of XXXX. In XX/XX/XXXX I received an email from XXXX stating my trip which was scheduled for XXXX XXXX, XXXX to XXXX XXXX had been cancelled and they were unable to give refunds and for me to reach out to my credit card company to get my refund. I called my card company they said I had to send in written statement which I did. Supposedly they put it in the system incorrectly which i didnt know but they told me it would take 3 billing cycles for my refund. So once i waited and received nothing i called again at which they said I needed to resend my paper statement which I did. This time I called in early XXXX and spoke to a supervisor which apologized and said she would take care of it. I got 4 letters from my card company. One dated XX/XX/XXXX XXXX explaining my dispute. One dated the XXXX saying my dispute was denied due to time frame. Then two dated the XXXX saying it was being investigated again. So I contacted them via the chat system which I have copies of the conversation and was told I would hear from a manager in 24 to 48 hours which it has now been over 48 hours and I've heard nothing. I'm missing nearly {$4000.00}. And they have been charging me interest on this since I tried to cancel in XXXX. Now it is services not renderred because I did not go on my trip XXXX XXXX. I've filed a police report and with the FL AG. This is my last hope to get my money back
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| 12/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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In XX/XX/2022 I put a deposit on a vacation for the amount of {$1800.00} using my Barclaycard. In XX/XX/2022 I received my statement and paid off the balance in full.
Due to the vacation area unfortunately bearing the full impact of Hurricane Ian in XX/XX/2022, I attempted to contact XXXX XXXX XXXX XXXX XXXX XXXX and cancel my vacation and retrieve my deposit back. They refused. I put in a dispute with Barclays for the charge of {$1800.00} in XXXX of 2022 and that amount was credited to my account. I asked for Barclays to be send it back to me in the form of a check as I had cancelled my credit card and I was sent the amount of {$1800.00}.
I did not cash the check as Barclays was contacted by XXXX who told them I had to pay the deposit. Barclays sided with XXXX and closed my case.
I sought legal representation and the lawyer managed to get XXXX to agree to cancel my vacation, as they were unable to provide me with lodging.
Barclays is saying that they are unable to obtain funds from merchant, and XXXX is saying funds were released to Barclays in XXXX upon my initial dispute.
Barclays now have sent me a statement, as they believe that I owe them {$1800.00}, and it is collecting interest daily. They have sent my information to the Credit reporting agencies.
I have spoken with many different representatives ( 25 plus ) and they are unable to help me, nor fully understand the problem. Each time I call I have to speak with a different person, who gives me different answers. They have truly complicated a very simple issue.
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| 07/01/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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This has not been addressed. I am still unable to use the card the day after he called. I left XXXX XXXX several voices mails and never received a call back. I am yet to use my XXXX Business Card, I did pay the annual fee of {$95.00} already and still am not able to use it. I've been testing a small purchase and have been denied daily since XXXX called me on XX/XX/2019. This is frustrating as this is the 2nd time I've filed a complaint and still unable to reach XXXX on his contact number.
The company sent a letter on XX/XX/2019 " On XX/XX/2019, I replied to you advising the security hold on the above referenced accounts had been removed. Regrettably, due to an inadvertent internal error, the hold on the XXXX account was not removed. This has been corrected and verified that the security hold on the above referenced XXXX card has been removed. Due to the inconvenience, we have added XXXX XXXX miles to your account. You should see this reflected on your next billing statement. I regret any inconvenience this sitation has caused you. '' Unfortunately the hold is still active and not removed and I have been attempting to make a small purchase daily but it's still unusable at this time, the security hold is still in there.
I am requesting someone higher than XXXX XXXX to address this matter as I was reassured on hold was removed and cards were ready to be used on two events ( XX/XX/2019 and XX/XX/2019 ). Yet I was attempting to charge the card on a very small test purchase daily since XXXX XXXX XXXX, 2019 without succession.
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| 10/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I recently reviewed my credit report and found unauthorized inquiries.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Brclysbankde XX/XX/2017.
I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
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| 07/26/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I have a credit card from barclay which I used to purchase my XXXX XXXX. It was interest free for a year and I made all of my monthly payments. When the interest hit the card it was over {$300.00} which pushed my card over the limit. I have been making all of my monthly payments. None of my payments missed. I called this morning to get a new card because I realized my card had expired. I was informed my card was cancelled because it had a high balance and because of other accounts I have opennwith other creditors. Along with that I was also informed the card company checked my credit periodically reviewing accounts that had nothing to do with Barclay. .As I stated to the manager I was in the process of paying my account down today since I will be going on travel and will need to use the card. The was told I have to re-apply. I do not wish to reapply because it creates a hard credit inquiry. I wished for them to re-open my account. I was then told they can do as they wish with any of the customers they choose, that a letter was sent to me stating they were cancelling my account once the card expires ( a letter I never received ). In my defense I stated it seems unfair to cancel someone card because it has a high balance, with no missed payments. Once I stated this practice seem to be deceptive and an unfair debt collection practice the manager no longer wished to speak with me. I asked for a number to corporate and was informed I could not be provide with that information. I could be given a mailing address to send a letter.
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| 05/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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Last XX/XX/2022 I spoke with a director named XXXX XXXX ID # XXXX to ask you to forgive me interest for an amount of {$430.00} originated by a purchase that was not paid at the time of the promotion I told him that if he paid the balance owed on that purchase, which was an amount of {$1000.00} could you forgive me interest.
The director told me that of course yes, that it was a pleasure to do negotiation, and pay at that time {$1000.00} He told me to talk in two or three days so that they could forgive me the interest of {$430.00}. That he was going to leave notes in the system so that the forgiveness could be made.
I spoke three days later and they told me that I was in the system, but that the cut-off day was going to be automatically reflected, which was XX/XX/2022.
I spoke on XX/XX/XXXX because the interest credit was not reflected, but they told me that they were having problems with the system.
Today, XX/XX/XXXX, I have spoken with 5 representatives and three of them tell me that the system does not allow them. I asked them to speak with XXXX XXXX XXXX and they tell me that they can not communicate with him The last two of the representatives left me on the line and hung up on me.
I consider it disrespectful that I have paid the balance as was the agreement and now Barclays bank is not doing its part.
I ask you please help me with this.
Because my payment implied a decapitalization, and more in these times of lack of employment.
I have never had delays in my account and I consider that they made fun of me
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| 04/18/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XXXX XXXX XXXX ( hereinafter referred to as " the merchant '' ) overcharged my credit card for airfare. I attempted to resolve the dispute with the merchant, however, they never contacted me or offered a refund. Therefore, I opened a dispute case with Barclays ( hereinafter referred to as " the bank '' ). I was notified by the bank that I had been issued a provisional credit for the amount discrepancy. When I arrived at the airport and attempted to check-in, I was told by the reservation desk representative, that my reservation had been voided/cancelled by the merchant due to the bank withdrawing the funds. My only option was to purchase a new set of tickets. The merchant and the bank had earlier told me that my reservation would not be jeopardized due to the dispute. I contacted the bank again and explained to them what had happened. I was instructed to send additional information in which I did. I was notified by the bank that I had been issued a provisional credit for the remainder of the amount for the cancelled reservation. Finally, I received notification from the band that the amount I had been credited was being re-applied to my account. I contacted the bank 's disputes department two more times and requested a manager call-back. I did not receive a call back but was told that I had exhausted my options withing the banking industry.
Re : Barclays Dispute case # XXXX ; XXXX ; XXXX XXXX Re : XXXX Dispute case # XXXX ; XXXX In summary, I am being charged for an airline reservation that was cancelled by the merchant.
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| 10/01/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Tel : XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Credit Card, I have unauthorized charges on my card. I filed the fraud disputes and sent an online message on XXXX. I closed the cards online and requested new cards. I have already received the new cards. I wrote a letter on XXXX and faxed it to Barclay on XXXX and XXXX.
XX/XX/20XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$100.00} XX/XX/2023 XXXX XXXX {$75.00} I had two Barclay cards in XXXX XXXX The Barclay website has a button to order a duplicate card. Only one of my cards was stolen. The second card was in my home. Thus, I had a card, and both were not stolen.
I am reporting Barclay to the Consumer Financial Protection Bureau and the XXXX XXXX XXXX for not providing fraud protection. The charges are fraud and are not authorized by me. Barclay should know that I had two cards in active use and used the duplicate button.
Also, it is possible to have a card stolen and used, and then replaced in your home, hotel, or wallet. It that situation, the thief had access to your home, wallet, or hotel. A thief can be a co-worker, employee, guest, maid, intruder, hotel manager, or family member that made unauthorized charges. Barclay is not considering all of the possibilities for fraud.
Please reverse the charges on my account due to fraud. If I need to sign paperwork, please mail it to me. Please send me a confirmation letter that you received this notification of fraud. I prefer to receive status updates by paper mail.
Thanks, XXXX XXXX
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| 12/17/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
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Received credit card in XX/XX/XXXX. Paid off outstanding debt to collection company XX/XX/XXXX. Moved lost original payment confirmation paperwork. XX/XX/XXXXcontacted by another collection company threatened concerning BARCLAY BANK OF DELAWARE paid new collection agency XXXX settlement, because of lost original paperwork. Threatened with court and garnishments. Received letter from XXXX XXXX Office of the President at Barclay Bank Delaware stating that Barclay Bank is not party to any pending judicial matters associated with you or any outstanding debts you may have. I have called an left message at the number given with this letter and yet it is XX/XX/XXXX and I am still receiving debt collections threats and garnishment threats concerning this same account. Does BARCLAY BANK NOT CLOSE OUT their accounts correctly are they rotating through the system and fraudulent debt collection companies allowed to have your personal information are they not sharing that the account is closed out. Does BARCLAY BANK have ACCOUNTANTS are they not keeping up with their own information does XXXX XXXX even exist, does BARCLAY BANK EVEN EXIST or is this a situation where there is a person sitting at home making up fake credit cards and flooding the market with fake credit cards this is my second complaint about BARCLAY BANK FILE COMPLAINT XXXX in XX/XX/XXXXwhat else needs to be done besides me filing a lawsuit against this bank for harassment. This problem has been ongoing for ten years I need help!!!!!!!!!!!!!!!!!!!!! XXXX XXXX XXXX XXXX
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| 04/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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I had a car accident recently ( I was not at fault ) that had injured me and I was out of work and a car for a year and a half. XXXX XXXX XXXX are working on my case and have given me the runaround about my settlement. Non stop letters from my health insurance that was billed directly to me for physical therapy, neurologist and every health service Ive received for recovery and I should have never been billed since I was NOT AT FAULT.
Despite unforeseen circumstances, Ive been paying a little over the minimum due every month to Barclays Credit Card.
Barclays credit card company are threatening to close my credit card on account of XXXX reporting & other items on their review.
Ive requested my credit reporting to all 3 Bureaus to send me my credit reports via mailbox and havent received 1 or 2 of them every time, every year.
I recently reported a freeze on my scores due to fraud and other unauthorized individuals using my credit cards for purchases such as gasoline and I DIDNT EVEN HAVE A CAR!
One credit card company was nice enough to notify me of these gasoline charges on my credit cards and refunded me {$400.00} for gasoline charges alone.
Interest rates have increased unannounced, their fraud department is nonexistent and unauthorized charges continue to be charged to my card despite repeated attempts to their nonexistent fraud department.
Im requesting you to please prevent Barclays Credit Card from closing my account and Im also requesting advice for my options and what I can do.
Thanks in advance, XXXX XXXX
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| 08/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XX/XX/2021 - Submitted merchant dispute with my credit card company XXXX against vendor for charging me for the products that never arrived ( total amount = {$730.00} USD ).
XX/XX/2021 - Credit for the purchase amount of {$730.00} USD was initially issued by Barclay, but then recharged by Barclay claiming lack of evidence of the product ( s ) purchased.
XX/XX/2021 - Provide evidence of items purchased and chronolgically listed email communications between myself and the vendor, as well as record of all phone call attempts I made to the vendor. Per Barclay policy, submitted this evidence ( 19 page document ) visa fax to attn : Merchant Dispute and referenced the Case ID.
XX/XX/XXXX-XX/XX/2021 - Called Barclay 's Merchant Dispute department on XX/XX/XXXX, XXXX, and XXXX to confirm receipt of supporting evidence/documentation fax and to get an update on my case. Each time I called the agents could not provide an update/status.
XX/XX/2021 - Called Barclay 's Merchant Dipute department again as I've received no word or status. Per the representative, my request to reopen and investigate and be issued the {$730.00} USD credit was denied again for lack of evidence. Agent confirmed receipt of the documentation I submitted and verified all requested/necessary information was in fact included and was not sure why my dispute was closed again. I tried to escalate to a manager/senior level person to no avail. I'm out {$730.00} USD and have tried every avenue to escalate and get my money back but Barclay 's has made it impossible.
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| 10/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Booked a trip on Frontier Airlines from XXXX to XXXX on XX/XX/2020 for {$450.00}.
As flight was going to be in XXXX, and we were in the midst of a pandemic, I specifically asked if tickets would be refundable if I was unable to travel due to Covid19 and was assured they would be. 3 days before trip was going to be made, we were informed by our employers that if we went to Florida we would be required to quarantine for 14 days when we returned. We could not afford to be out of work for 3 weeks so trip was cancelled.
Frontier attempted to get me to accept a credit for future travel but I refused and told them I wanted the full refund that I was promised and they agreed. 4 weeks later there was still no credit to my card so I called Frontier and was advised that a credit was issued on XX/XX/2020. My credit card, which is a frontier airlines master card through Barclays bank, still had no credit so I called Barclays and disputed the charge.
They promised to do an investigation and reversed the charge.
On XXXX XXXX the charge once again appeared on my statement and when I called Barclays and spoke to their rep they xfer me to Frontier where I spoke to XXXX agent # XXXX and his supervisor XXXX agent # XXXX who stated they would not issue a credit because Barclays charged back the {$450.00} So it appears that Barclays, and their airline partner Frontier, are playing games with my money and pointing the finger at each other with me stuck in the middle. Nobody will give me a straight answer and I am exasperated. Please help.
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| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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First, my credit score has always been above XXXX until recently.
I opened a Barclays XXXX XXXX Credit Card around XX/XX/2023. I applied online. I never received a credit card bill in the mail. I had made a very small amount of charges under {$150.00} on the card.
On XX/XX/2023 I received a letter from Barlcays notifying me that I had a delinquent account that was past due and interest and other charges had been assessed.
I called on XX/XX/2023, and they adjusted off some late fees and i made a payment in full of the revised balance of {$150.00} which included some interest. I explained the situation that I never got a bill in the mail, only this written letter of deliquent acccount. Barclay 's informed me that I had requested email bills, which I do not recall doing. However, in checking archives and spam and other emails, I find no ( 0 ) bills from this credit card company.
The credit card number ends in XXXX with Barlays XXXX XXXX XXXX Credit Card. My social security is XXXX The credit card reported me late which I understand but that lowered my credit to XXXX, and also lowered my credit limit to {$500.00}. I wrote them a letter and appealed to them to rescind the negative reporting against me as I have never had any and have always paid by bills in full and timely, and explained not getting the bills and not signing up to my knowledge on emails and even if I had, not receiving any emails.
I also sent a letter to XXXX XXXX regarding the same on XX/XX/2023 and notifying them I have dispute Barclays Report..
|
| 11/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
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Web |
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Barclay Bank did NOT solve any of the problems from my original complaint. They did not even terminate XXXX 's employment at Barclay. There's no indication that they actually read any of my complaints. They only sent me generic responses.
If they are not able to solve any of these problems, we should continue the legal battle well into XXXX or XXXX. This is NOT something I will put up with, just to be clear.
Original Complaint that was sent to Barclay on XX/XX/XXXX Date : XXXX, XX/XX/XXXX, XXXX XXXX Subject : Complaint against XXXX To : XXXX XXXX : XXXX Hi Barclay Bank : I called Barclay Customer Service on XX/XX/XXXX and I spoke to someone name XXXX.
She refused to give me her last name and she gave me a fake employee ID.
She told me she is located in XXXX, Nevada. ( if that's not a lie ) I had questions about my account which XXXX could not answer and refused to answer.
We got to a point where I asked a question and she said that she did not have a response for me.
She's very XXXX and rude to me the whole time.
I had to escalate to a manager in order to get my questions answered and took care of business in my account.
Please listen to the recordings from that day.
XXXX talked to me like she was my boss and I was begging her for help or something.
She lacks customer service training and sympathy as a human being. She left me with no choice but to formally report her.
Please terminate XXXX 's employment at Barclay. She's a XXXX XXXX at Barclay. She brings XXXX to Barclay.
Thank you, XXXX XXXX
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| 12/04/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Originally, I was supposed to take a trip in XXXX that was booked and charged onto my Barclays credit card by XXXX XXXX through XXXX. Due to COVID, it was cancelled ( services not delivered ). Through a long and drawn out process, XXXX finally agreed to refund me ( documentation attached ) for 4 tickets totaling {$1300.00}. I had filed a DOT complaint and a credit card complaint. XXXX told me ( via XXXX ) that they couldnt process the refund with the credit card complaint ongoing, so I cancelled it ( documentation attached ). This was XX/XX/2020.
When I never received the refund, I sent a certified letter to Barclays ( attached ) asking to reopen the complaint on XX/XX/2020. I called the day after it was received and verified everything was in the works. I was assured everything was being reviewed. When I heard nothing 63 days later, I called for am update. I then received this confusing letter saying I could be refunded because I authorized the charge ( attached ). When I called for an explanation, they told me that they can not refund me because the complaint had been closed in XXXX and could not be reopened.
I had provided clear documentation that XXXX had agreed to a refund. XXXX will not speak to me directly and says that theyll only speak to my booking agent, XXXX. In the complaint to Barclays, I attached several emails documenting that XXXX has attempted to follow up with XXXX to no avail. Dozens of attempts to XXXX have been made by XXXX and myself on the phone and through email.
Thank you for your help.
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| 05/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
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Web |
Older American, Servicemember |
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On XX/XX/XXXX I purchased 2 concert tickets for an XXXX XXXX concert in XXXX, Washington that was supposed to take place on XX/XX/XXXX. The charge of {$380.00} was posted to my XXXX XXXX on XXXX XXXX, XXXX. The tickets I purchased were supposed to be electronically transferred from XXXX ( the online website, a 3rd party ticket resale organization supposedly that I purchased them from using my XXXX XXXX ) to my XXXX app on my phone or XXXX. And there is the problem. The 2 tickets have not shown up in my XXXX app. As the date to the concert came near, within a week, I made numerous attempts to contact XXXX by phone but was put on a never ending hold to the point I would hang up. I then started reaching out to them be online chat and got through. Each time they said they have sent me the web link that I was to click on and that would start the transfer of the concert tickets to my XXXX app. Every time I did this an error message comes up on my tm app that says, oops, something went wrong. I finally got in contact with XXXX, and they repeatedly have told me that no tickets have been transferred to my account or app. One time they told me XXXX had cancelled the transfer. I have filed 2 complaints with XXXX. In my 2nd complaint after losing the 1st complaint, I mailed 10 pages of copies of emails and online chats with the 2 companies, showing I have never received the concert tickets. I strongly believe I should not have to pay for something I did not receive. Bank case Id is XXXX. My transaction number with XXXX is XXXX.
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| 10/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Approximately 2 months ago I went online to attempt to make a payment and got locked out of the account. the system stated that I placed the wrong password in. When I called to try to make the payment over the phone the system asked me to put in my information and then routed me to a que for which I spent hours waiting day after day. One day I finally got an individual who advised me that because my wife is the primary on the account they needed to speak to her to get the account unlocked and make a payment. I explained to him that Due to covid restrictions my wife is international until the borders of XXXX were opened. He advised ( to which i understood ). We have tried to three-way calls and due to the long wait times and international calls it has been incurring large costs to us, we have also had calls dropped. As a result we have not been allowed to make a payment even though we attempted numerous times. It was not until XXXX I called in, put in the credentials requested and i was advised that this is an attempt to collect a debt and was routed to an automatic payment system at which point i made a payment. We have never had a late payment of this kind on our record and it was through no fault of our own that this was not completed. We have attempted several times and incurred high phone bills trying to solve this. Today we are seeing a 30 day late payment record on two credit bureaus which is unfair to us. Kindly assist with removing these negative reporting on our credit report of the primary which is my wife.
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| 07/05/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I have had a credit card from Juniper Bank ( Barclays ) for over 10 years - account ending in XXXX. I was cut off from being able to make payments on line. I called repeatedly to get that function reimplemented so I could pay my bill and was told it could not be done. This caused me to fall behind ( it took them two months for them to determine it was not an IT issue but rather company policy ). Additionally, I received a letter in XXXX of XXXX stating that my account was sold to another bank. In XXXX, I was informed that Juniper still held the balance to my account and I was reported late paying as a result. I was than introduced to the possibility of settling. I called multiple times to arrange a settlement and arrived on an agreement which both sides agreeing. I received written confirmation from the credit card in the form of a letter dated XX/XX/XXXX which stated that I had until XX/XX/XXXX to pay the settlement amount of {$2200.00}. Two weeks prior to the deadline ( 2 weeks after the receipt of the letter ), I called the XXXX number to pay the settled account but was referred to a collection agency. I have a letter in writing offereing the agreement- an agreement I am on record accepting, yet immediately after, I am forwarded to a collection agency with them not honoring our written agreement.
I would like my account removed from collections and our agreed upon settlement amount honored. I have no desire to use the card ( it was closed ) but I would like the derogotory comments removed from my credit report.
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| 10/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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After initially crediting my credit card account for {$2600.00} on XX/XX/2022, based on a dispute I filed with a merchant, Barclays charged my account on XX/XX/2022, for the same amount.
I later learned ( in correspondence by Barclays on XX/XX/2022 ) that this charge was based on the merchant providing screen shots of the terms and conditions that online applicants agree to by procuring their services through their website. The merchant also claimed that all services had been provided and the order was complete. The customer information in the screen shots was blank and the merchant provided no details regarding the services that I purchased, the manner in which I procured them, or the terms of the invoice that I was actually provided.
The letter of XX/XX/2022, from Barclays stated that the reason for their decision was that " We were not provided with an itemized invoice/contract and/or a second opinion. '' Yet, on XX/XX/2022, I did, in fact, provide Barclays with the actual details regarding the services that I purchased, including the invoice and terms and conditions.
Barclays never addressed the content of my letter, the fact that I had no direct agreement with the merchant ( they were a passthrough for the company that I did have an agreement with ), or the faulty documentation provided by the merchant. I attempted to address this in a reassertion of the claim to Barclays, but again, the dispute department failed to acknowledge my documentation or review the faulty documentation provided by the merchant.
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| 11/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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THIS IS THE THIRD CASE I'M OPENING. - ALL I WANT BARCLAY BANK TO DO IS REMOVE THE 30 DAY LATE PAYMENT OFF OF MY CREDITREPORT. I HAVE PROVIDED ALL DOCUMENTATION I COULD POSSIBLY PROVIDE.I AM AN XXXXXX/XX/XXXX XXXX XXXX XXXX MEMBER I WOULD NEVER IMAGINE THIS MUCH STRESS FOR RESOLVING THIS ISSUE. - THIS HAS IMPACT MY CREDIT MIGHTLY AND COST DENIAL OF MORTGAGE LOAN AND NEGATIVELY AFFECTED MY CREDIT SCORE. I WAS XXXX/XXXX WHEN THE ACCIDENT OCCURED. I PROVIDED DOCUMENTATION OF MY TRAVEL ORDERS, BANK STATEMENTS, AND THE PREVIOUS COMPLAINTS. - I ALSO MAILED THE DOCUMENTS MR. XXXX ASKED FOR AND ATTACHED THIS COMPLAINT ALSO. I HAD PROVIDED THESE DOCUMENT IN THE TWO PREVIOUS COMPALINTS AND ALSO MAILED THESE DOCUMENTS TO BARCLAYS FCRA FOUR TIMES VIA MAIL. ONE IN XXXX, TWO IN XXXX, AND ONNCE IN XXXX THEY HAVE BEEN MAILED TO FCRA. - I STILL HAVEN'T HAD MY ISSUE RESOLVED. I'm XXXX XXXX XXXX XXXX. I wentXX/XX/XXXX on training out of the country on XX/XX/2020. On XX/XX/2020 a payment didnt go through and after contacting my mom as a emergency contact she paid the payment on my behalf. Once I return in XXXX, Ive noticed a 30 day late payment charge on my credit report. Ive been a customer with no missed payments for over 4 years. Ive called and send them documentation showing my orders in XXXX and XXXX and early XXXX and I was told it cant be removed. - The company keeps asking me for documents I already gave them. For me to be military I've never think I have this much fight to remove this late 30 day payment on my credit report.
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| 02/09/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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On XX/XX/, I selected a balance transfer offer at XXXX XXXX XXXX XXXX XXXX with my preexisting Barclays Commence credit card for {$8800.00}. The terms very clearly stated the following : 0 % Annual percentage rate for 15 months 3 % Balance Transfer Fee ( {$5.00} minimum / no maximum ) This month, much to my surprise, I found an interest charge on my credit card statement associated with this {$8800.00} balance transfer. I called customer support and escalated to a supervisor and then another manager, all of which told me the offer I described was not available on my account currently, so there was nothing they could do to honor the offer I described. There is no way I would have signed up for anything other than a 0 % balance transfer offer, especially consider that I had several other of these offers from other non-Barclays banks with my preexisting credit cards.
So far, I have paid the original 3 % balance transfer fee of {$260.00}, which was expected. The fees I have incurred that I should not have incurred based on the 0 % balance transfer I signed up for :XX/XX/XXXX INTEREST CHARGE {$19.00} XX/XX/ INTEREST CHARGE {$110.00} The support team at Barclays said they would have their technical support team review whether or not there was a glitch on the system, and that this would take 30 days. In the interim, I will be charged more interest fees. The support person didn't seem to think it was likely that this would be ruled in my favor, so I'm basically stuck with Barclays telling me there's nothing they can do.
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| 06/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Older American |
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XX/XX/XXXX I wish to register a strong complaint against Barclays Bank.
They are fully aware that my Barclaycard has been used fraudulently but will not correct my statement.
-Brief Explanation- I have a Barclays Barclaycard credit card.
On XX/XX/XXXX, they notified me that they had detected that it had been used fraudulently.
I checked my statement and identified ten seperate fraudulent transactions the first on XX/XX/XXXX.
I loged into my account on XX/XX/XXXX, and filled out their 'fraud report ' but in spite of many attempts it refused to SEND.
So, I went to their on line 'chat ' portal and explained about the ten fraudulent charges totaling more than {$550.00}.
Their reaction was " sorry we can't help, you must call '' I explained that I am quite deaf and do not initiate calls, I wasted an hour with them, all to no effect, before giving up.
So, on XX/XX/XXXX, I went to their send us a 'secure message ' portal and typed in the full details of the fraudulent usage.
Their reaction was " sorry we can't help you must call '' Over a number of subsequent secure messages i explaind that I am deaf and that their 'fraud form ' refused to SEND.
It made no difference their mindless reply... send 'fraud report ' or call us!
So, on XX/XX/XXXX, I sent letters to both the listed headquarters of Barclays fully detailing the fraudulent charges.
They have not responded.
The fraudulent charges have not been removed from my statement!
They have now filed adverse reports with the credit tracking agencies.
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| 10/09/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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For some reason Barclays Bank Delaware has not sent me proof of my obligation of this alleged debt as requested and continues to report this trade-line to the major credit bureaus. This is creating issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed.
I disputed this account XX/XX/2019 on my XXXX and XXXX credit reports to no avail. To date, Barclays Bank Delaware continues to ignore my requests and they continue to ignore my consumer rights.
I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting in my credit report. All unverified accounts must be deleted.
Who verified this account? What documents did they use to verify? Where are the documents used to verify?
The only correspondence that I received was a letter informing me they received my dispute. This does not qualify as verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention that Barclays Bank Delaware knows they can not tie me to this alleged account, otherwise, they would have done so when I made my initial request. Barclays Bank Delaware is blatantly disregarding the law.
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| 03/31/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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In XXXX of XXXX, my account had been paid in full.
In XXXX and XXXXXXXX XXXX XXXXXXXX, there had been fraudulent charges on my account. I didn't notice these until XXXXXXXX XXXX XXXXXXXX when I received a statement, claiming I had a balance past due.
From XX/XX/XXXX to XXXX of XXXX, I had once or twice a week to report and resolve the charges. I had closed my account, and reported all charges, which were incorrectly flagged on their end. I continued to received notices of late payments and interest being charged to the account.
There is currently a {$330.00} balance on my account consisting of late fees and interest from the fraudulent charges, that is still showing as 'Unresolved. ' I was instructed by Barclays to not make a payment, as they would resolve the fraudulent activity and all fees associated with it.
I've asked for communication in writing, and Barclays refuses and says that is not possible.
My account is closed, yet I have collections still reaching out to pay the balance, and it still shows up on my credit report, claiming that I am delinquent on this account.
I've never missed a payment or been late on anything tied to my name, so it is beyond frustrating that I am still in a position of needing to fight for this to be resolved. It impacts my power as a renter when looking for a new home, or power to be able to open additional accounts in my name, yet I'm constantly reassured by Barclays that this is being worked out, however, is still unresolved all this time after initially reported.
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| 09/14/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account status incorrect
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Web |
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I had an Barclays Credit Card account that I used to withdraw cash. Once the statement came in I called in the customer service and asked them for the balance to pay it, I made a full payment and changed my address. After 4 months they reached me and told me that my account was past due. Upon finding out that the account was past due I made a full payment and paid it off completely. A few months later I applied for another card with Barclays and both the newly opened account and the old one were closed. I downplayed it and after a few years I applied again not knowing it is the same company-Barclays. I got denied credit and received a letter stating that I had unsatisfactory previous relationship with the. I called Barclays and explained what had happened in the past, she went over the notes and confirmed that I was right. She therefore corrected the negative reading off of my credit bureau report and reopened the account that they had closed back in 2014. A few days later after I received the old reinstated card I received another letter that they were closing my account again. I called in to get an explanation and they ignored me by saying that I had unsatisfactory relationship with them and that no further action or explanation would follow. I have the new reinstated credit card that they sent but my report still shows that I had late payments. No matter how many times I tried to call and explain they would find all types of excuses including wrong date of birth and wrong mother maiden name to not talk to me.
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| 04/18/2017 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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I was the victim of aggravated identity fraud per th e US Department of Justice. I was advised to fill out paperwork on the FTC website and I did and correspondedly sent letter to the affected accounts of mine. I sent letters to 6 of my cr editors in early XXXX . Since then 4 have deemed the U S DOJ and the Internal Revenue Service as accurate that fraud took place regarding my name and my wife 's name. For some reason Barclays and XXXX XXXX ( XXXX is still in review ) are the only ones who have n't refunded me my money. Barclays flat out denied my claims all the while disregarding the paperwork the federal entities have provided. XXXX XXXX in the Executive Office has n't followed through on my request that I get the reason for denial with the corresponding reason why each charge is being stuck with me. I 've reached out to several of the vendors on the list and they have inaccurate information on me whether it 's the wrong name, address, etc . Barclays c learly did n't do a full review on these charges. I 'm submitting this again so this file can be reviewed again in full. I 've Also submitted these papers to the Delaware state banking commission that also regulated Barclays on the state level. They 've received my paperwork and based off our hour long phone call, they were in agreement that Barclay 's has n't been forthcoming among other issues. I 'm submitting this through the CFPB to get further help so the money stolen from me can rightfully be returned. Many thanks for your review
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| 10/04/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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A charge was put on this credit card on XX/XX/XXXX. I cancelled the charge on XX/XX/XXXX in writing certified mail. I called Barclays on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to complain about this charge, they told me I had to go through the company who charged the card and work with them. I did that. The company who charged it stopped responding in XX/XX/XXXX and never refunded my money. I contacted an attorney, the XXXX and CFPB about the charge and nobody could help me. They said the company didn't respond, so there was no was to get the money back.
I send a dispute in writing with all of the information to Barclays two times, CFPB and the XXXX, and the Federal Trade Commission. I called Barclays to get help with this multiple times. Still, no help.
I had a payment plan set up the whole time with Barclays for XXXX XXXX, they changed it to XXXX XXXX with no notice. The card was supposed to be XXXX interest for XXXX XXXX, they started charging interest with no notice.
Barclays has refused to help me with this charge, and has added insult to injury with a charge that was cancelled.
Today, I cancelled all payments and put a stop payment on them at my bank and cancelled the card. I have never used this card for anything, the only balance is the original charge that should have been refunded within 30 days. The balance is {$10000.00}.
There should be no balance on this card. There should be no interest accruing on this card. The payments should have been exactly {$120.00}, no more.
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| 06/11/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Last year I purchased round trip airline tickets from USA to XXXX on XXXX XXXX XXXX. XXXX XXXX canceled the flights, and on XX/XX/2020 I requested a refund which has not been received as of XX/XX/2020. Since XXXX XXXX has closed its customer service department, I am not able to get any more information from them except seeing that they have simply laid off most of their employees and not flying passengers.
I filed a credit charge dispute with Barclays HI Airlines MasterCard on XX/XX/2020, and was informed it would take 45 days to process. They declined the dispute, stating that I had authorized the charge, even though I provided all information that the flights were canceled. They requested I document and provide them with the US Dept of Transportation rules for cancellations such as this in and out of USA. MC knew about this DOT rule, but required that I provide it as a document to them. All along this company has made delays and more requirements. As of XX/XX/2020 they are now stating they need to hear back again from XXXXXXXX XXXX. And then deal with XXXX XXXX 's bank, if no reply from the airlines. All in all, I bought a round trip expensive airline ticket. The services were not provided, and the airline has basically shut down. My friend on the same flight submitted a dispute to her credit card company about a week after me, and received a refund from her CC about 2+ weeks ago.
My Mastercard company is playing games, delaying, etc. Anything I can do about that, short of hiring an attorney? Thank you.
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| 01/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Credit card company Barclay Card US : I charged a coat with XXXX on XX/XX/XXXX ( order # XXXX ). My daughter mailed the coat back as defective in XXXX XXXX. They mistakenly mis-calculated that it was " over a year old '' transaction and said she would get a merchandise credit. However, on XX/XX/XXXX, XXXX gave a credit back of {$240.00} on my OLD credit card ( which had been closed because the number was stolen ). The vendor and credit card company both have confirmed that there was a credit invoice sent and received by my credit card company ; credit invoice # XXXX. It was supposed to be " automatically '' charged back to my new account number by the credit card company. I have had to be on the phone with my credit card company twice now ( not to mention numerous emails and phone calls with XXXX as well ) to get my money properly credited back to me. Each time the credit card company started with a person being completely incompetent and not knowing at all what to do and then finally getting a person supposedly skilled and able to do this and yet each time, despite promises of the money being credited " within 24-36 hours '', NO MONEY. I am furious and they have now had my money for almost 3 months and I do not have it!!!! I am so tired of this incompetence and practically theft. I want my money back and I don't want to have to call and beg them for it and they should pay me interest on this money that they have kept from me. My last call was on XX/XX/XXXX at XXXX XXXX. I spoke with employee ID XXXX " XXXX ''.
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| 07/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Servicemember |
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On XX/XX/XXXX i learned that I sent Barclaycard ( my XXXX XXXX credit card ) an ACH payment of {$7500.00} from the wrong account and it was returned for insufficient funds. I was told by Barclaycard customer service that they would retry the payment within 3 days or I could call and pay the amount over the phone to avoid a late fee and/or interest. To correct the error I did an immediate transfer of {$7500.00} to the same account the original ( in error ) payment was taken and called Barclaycard that evening ( XX/XX/XXXX ) to make a payment directly from that checking account, using my account number and bank routing number. The payment was processed and posted on XX/XX/XXXX. Barclaycard also put through the retry ACH payment on XX/XX/XXXX, which then was also processed on XX/XX/XXXX and returned for insufficient funds. Of the two payments of {$7500.00}, one was never credited to my account despite me sending my bank account statement showing the funds were sent to Barclaycard and withdrawn from my bank account. I have worked with my bank ( XXXX ), the bill pay company ( FIS ) and apparently the payment was sent to the wrong account number at Barclaycard and they are unable to find it or credit my balance despite me providing the Federal Reserve tracking number for the payment. I have also been working with The Mayors Office of Consumer Information, and despite their numerous letters they sent, Barclaycard would not respond To them so the director ( XXXX XXXX ) advised me to file a complaint with your agency.
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| 12/28/2015 |
Yes |
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Web |
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I have a Barclays XXXX Extra points VISA card. When I purchase items, I accumulate points that can be redeemed for NFL merchandise. On XXXX/XXXX/15, I used their system to request a redemption for an XXXX XXXX NFL replica jersey. It told me that they would ship it to me in 3-5 business days. On XX/XX/XXXX, I tried ( in vain ) to contact them by phone at the customer service number. Their site showed the item as " located in inventory '' yet it was not shipped to me. I was passed from department to department, although nobody claimed to be able to help me with the issue. I finally emailed them asking what the delay was. Customer service emailed me back saying that they were looking into it and would get back to me via email with an update. I received additional emails from them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating that they were still " looking into it. '' On XX/XX/XXXX, they sent me an email advising me that they were cancelling my order and returning my points with no explanation or consideration on their part. I have since received XXXX more emails saying that they apologize and are forwarding my issue to a supervisor. I 'm not sure how to take this. What good is getting my points back if they ca n't fulfill orders on their end? I am totally frustrated that I ca n't speak to anyone at customer service, that their site still shows the item as " located in stock, '' that my item was never shipped, and that they have taken ZERO steps to make the situation right.
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| 04/16/2015 |
Yes |
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Web |
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I was charged for a transaction I did not agree too for a Hotel booking XXXX. A day later, I receive an email stating I did not show for a hotel stay and was liable for {$54.00} in cancellation charges. The hotel then charges me $ XXXX, which does not align with what I was " liable for '' in the email.
I disagree with the initial charge, and also with the amount that was charged.
I then contacted Barclays to dispute the charge. I was refunded the amount and told an investigation was open. About a month later, I received a call asking for more information. I provided the requested information to a rather unprofessional, uniformed member of Barclays team who told me I would need to destroy my card and receive a new XXXX, and that the information provided was sufficient to move forward with my dispute. Then, 2 days later and without notice, I see the charge is reversed on my bill and I am now being charged the full $ XXXX ( again, which does not align with what I supposedly owe ).
Upon contacting a manager, he admits the previous agents fault and lack of professionalism, but refuses to reopen the case or change the amount charge to the previously quoted $ XXXX. This supervisor was rude and very argumentative, and also claimed to waive a fee that I was not charged ( Annual Fee ) to make things right with me, even though I had already cancelled the card and no longer owed the Annual Fee. The deceptive practices of this " supervisor '' was appalling and the unprofessionalism of Barclays as a whole disguising.
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| 04/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Barclays Bank Delaware has been furnishing my account information to credit reporting agencies on an account that my father was the primary account holder and I was only an authorized user. My father passed away in XX/XX/XXXX and the account was closed in XX/XX/XXXX after I notified them that my father had passed while trying to have myself removed as an authorized user. Because the account became delinquent in the aftermath of my father 's passing, my credit report has been negatively affected since I am still listed as an authorized user despite the fact that I am not legally liable to pay the debt that my father accumulated. I have called Barclays several times to be removed as an authorized user and they tell me their Customer Service can't remove me from an account that is already closed. I sent a formal dispute to FCRA Credit Bureau Disputes, twice, and have received two letters from them, the most recent dated XX/XX/XXXX saying that the information they are reporting is accurate and that if I would like to be removed as an authorized user to call their Customer Service at ( XXXX ) XXXX. When I call this number Customer Service says they can't remove me from the account because it's closed, then they connect me to XX/XX/XXXX, who told me they also can't remove me from a closed account. I don't know what to do at this point, I keep getting the run around and just want to be removed as an authorized user on this now delinquent / closed account so it doesn't continue to negatively impact my credit report.
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| 02/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I have had a XXXX balance and XXXX use on my card for the last 3 weeks or so and I've been seeing a {$29.00} minimum due for the XXXX. of XXXX ( this month ) which I had no purchases or a balance. On the XX/XX/2021 I've made a purchase/transaction for {$26.00} and it appeared on the statement XX/XX/2021 the date which would of been a payment due date if I've had made the purchase during those 3 weeks, so I payed that {$26.00} and some change off on XX/XX/2021 and now today ( XXXX ) I see on my account that there is a note saying I need to pay Barclays more money or they will put my account in past due status. How is my account in past due status when I owe them nothing? My account is paid off and a XXXX balance ( I took a screenshot if you need it ) I owe nothing and they want to report me, and possibly others. I think Barclays is running a scam with the credit bureaus to ruin peoples credit during these delicate times so people credit reports can be ruin, because I see no other way how since this pandemic that I've been contacting you and other agencies to report them of their unfair practices against me and I've never really had a major problem with them until this pandemic so I have no other way of thinking why I am target against their payment schemes. And now, every time I call them their phone line goes dead on me because they have my number stored so their system recognize my number and I'm guessing ( no other reason ) the system is blocking my calls from getting patched over to speak with anybody.
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| 08/27/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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On XX/XX/XXXX XXXX Barclay denied a credit charge of {$2000.00}. When I called them to let them know that I was paying a contractor for the work done by the name XXXX XXXX they then approved the charge 0f {$20000.00}, putting me way way over my credit limit. ( XXXX has a recording of this conversation ). The contracrator made up a fraudulent charge of {$18000.00} more, The total amount was not clearly visible on the phone. ( XXXX XXXX ). I have gone back & forth with XXXX Barclay but they have refused to accept any responsibility for their grievous error which is solely on their part.
I have made the high minimum payments for almost two years hoping they will see my side & not to let it effect my credit.
My Total balance as of XX/XX/XXXX statement is {$29000.00} Fradulent Charge due to XXXX error ( {$18000.00} ) High Minimum payments made from XXXX thru XXXX ( {$9600.00} ) Late Fee & interest charged?
Real Balance Owed {$1400.00} I have sent them two letters on XX/XX/XXXX & XX/XX/XXXX along with one Certified Mail. Upon talking to them they asked me for a two cycle time period to evaluate & make a decision. I have yet to hear from them. The person I talked to told me that my account has been charge off.
This whole thing has affected my Credit Score to sink to a new low from the high 800 score. I would very much like XXXX Barklay to accept their error in the poor decision they made, restore my credit & give me a letter of accepting {$1400.00} as payment in full so I can pay and put this matter behind us.
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| 06/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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|
Web |
Older American, Servicemember |
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Barclays XXXX XXXX XXXX XXXX-ending in # XXXX Mailed check # XXXX for {$94.00}, from XXXX XXXX XXXX XXXX on XX/XX/XXXX. The check was posted on XX/XX/XXXX. It was never credited to my account. I have talked to their customer service office about 7 different times. I have faxed a copy of the paid check, both front and back to 2 different numbers. The first one was to the customer service : XXXX and the second one to the comlaint department : XXXX. I have talked to managers each time to not avail.
I received two different claim numbers : XXXX and XXXX. Each time I received a letter saying : We are unable to ccomplete your request at this time please contact us for additional details. I have done this each time. I was also told over the phone that nothing could be done.
I have done everything they have asked me to do and nothing has been taken care of. There is a {$94.00} Provisional credit on my account, but the payment has not been credited.
***I also made a bank transfer on XX/XX/XXXX which was credited. It was from XXXX XXXX XXXX XXXX. I did this because I did not want to pay interest. This was an entirely different payment. They have tried to tell me the first payment was credited, but it was not.
I received another letter on XX/XX/XXXX, saying they could not complete my request. The paid check that I mailed them has the bank account and the bank my check was deposited in.
They have basically told me that there is nothing they can do. My comment to them was that they have screwed me out of {$94.00}
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| 09/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
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|
Web |
Servicemember |
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1. While on vacation at a Wyndham resort the latter part of XX/XX/XXXX, my husband and I were pressured into signing a contract with Wyndham at which time this credit card was offered. After a short period of time and within the grace period we rescinded this contract. On XX/XX/XXXX I called to cancel this credit card less than 2 weeks of opening this card thru this Wyndham Resort. There is record of my telephone call with Barclays.
2. Over a year later, on XX/XX/XXXX I learned of a charge on this credit card ( via email sent to my husband, not me ) from Wyndham Vacation Resorts of {$59.00} which later I learned was an annual fee of being a Rewards Member. I also learned this card was never cancelled but instead a hold was placed on the card. I asked again for this card to be canceled.
3. This card was destroyed and never used for any purchases. I do not know the account number nor have access to online.
4. I have been in contact with Wyndham Rewards and Barclays Credit Card numerous times without resolution. Again, I am learning Wyndham Rewards are still charging this Wyndham Barclays credit card this annual fee. Now, it has effected my credit score. I am in desperate need of your assistance.
5. Im unsure of how the amount past due is {$120.00} considering Ive been fighting this for 3 years now. It seems that in XXXX it was possibly cancelled but then 2 more years of fees has been added.
Please see attached recent email I received from this company as well as he email I sent them in XXXX.
Thank you.
|
| 01/31/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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In good faith I used my XXXX credit card to pre-pay for a car ( rental ) using their website last weekend. Once I arrived at the XXXX XXXX place I was then charged {$300.00} additional dollars, and told that XXXX had only sent them {$50.00} of the {$200.00} that I pre-paid them for the car and the Insurance. When questioned, the gentlemen at the XXXX XXXX placed mentioned that I should call XXXX because they are fully aware that the insurance that the offer does not work in Colorado, does not cover the entire amount needed. I called XXXX at least 3 times and was informed by three different agents that because the " rental '' was non-refundable I would not be able to be refunded. Due to the contract not being honored, the manager at the XXXX XXXXr place refunded me and I never accepted the car rental. I was not to have to pay anything for the car since it was pre-paid, and since they required me to purchase additional insurance because as they put it XXXX knows that their insurance is not sufficient, I was refunded and let out of the contract and was forced to rent somewhere else. They sent me off with a receipt showing me that XXXX failed to pay them the entire amount for the car and that they refunded me what they could. Since the contract was not honored, and I was forced to rent otherwise I believe XXXX should refund me for the pre-paid purchase of a rental car. Since XXXX is not an honorable company I will like the full refund, placing the card back to a zero balance so I can close out the account.
|
| 11/16/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Back in XXXX of 2022 someone stole my credit card and charged multiple items to my card. My ipad and a few other items were stolen as well. I happened to be moving and had people in and out of my house. I opened up a police report and reported the fraud to the police as well as Barclay card. Multiple times barclay card denied my fraud claim stating the card was in my possession, which it was not and another time stating I confirmed a fraud alert they sent which I advised them my XXXX was also stolen and whoever confirmed the message from my XXXX I could not control as it was stolen. When I knew of the fraud I contacted Barclays immediately and did everything on my part. I have been back and forth with them for a year now and every statement and police report I send them the investigator does not read in it entirety. Now I have collections coming after me and my credit has gone down over XXXX points because Barclay fraud investigation has not read my police report or contacted me to discuss the issues despite me contacting their fraud investigations team numerous time. I have notes from their XXXX representatives dating back to 2022 when I would call in almost weekly for an update. At this point I need this fraud removed from my credit card and the collections stopped. I need this fraud claim processed correctly so my credit score will get back to where it was also. Please advise if I need to send over police reports, statements and all of my notes as I have no problems doing so. I can be contacted at XXXX
|
| 12/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I purchased a couch from XXXX furniture on XX/XX/2022 through the store XXXX named XXXX XXXX, the couched was delivered XXXX the XXXX with a tear, stains, XXXX different cushions, slip cover was to big for XXXX side and the couch appeared to of been dropped as it sinks in the middle. Ive tried to get them to replace the couch as I stated to my credit card company, Ive reached out XXXX times with my credit card company following up which is documented through XXXX cards which they stated they spoken to the merchant at the store on XXXX occasions. The XXXX time the merchant told XXXX card that they replaced the cushion and slip cover which was not true, on the XXXX occasion the merchant told my credit card company that they sent a whole new couch which is also not true. through XXXX furniture a tech was sent out from the manufacturer of the couch, the tech stated that my whole couch needed to be replaced. they refused to replace it and my credit card company closed the case unknowingly to me till I called back with new information and they stated that they closed the case because a merchant of XXXX furniture that they replaced my couch and the credit card company did not let me explain that I did not receive my couch and now the refund is back to the merchant and theres saying theres nothing I can do about it. I need help in this matter because this is still ongoing and Im stuck with a couch I do not want that is damaged we have already spoken with the merchant and nothing is being promised about a refund.
|
| 10/10/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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|
Web |
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I h
ave 2 complaints. ***COMPLAINT # 1****On XX/XX/XXXX, I received an email from XXXX XXXX XXXX Mastercard ( issued by Barclays Bank Delaware ) for a promotion : " [ ... ] when you use your XXXX XXXX XXXX Mastercard to place 3 orders with XXXX XXXX, XXXX, XXXX, XXXX or XXXX , from XX/XX/XXXX until XX/XX/XXXX, you'll earn a {$20.00} statement credit. '' The terms state " Statement credits earned will appear on your statement 6-8 weeks after the end of the promotion ''. As of XX/XX/XXXX I had made 3 XXXX transactions and I haven't received my {$20.00} statement credit. On the first week of XX/XX/XXXX, which is over 90 days since the promotion ended, I called the customer service number and spoke with a woman, who said she will file a ticket with the IT department to make sure I get my statement credit. As of today, XX/XX/XXXX I still have not received my {$20.00} statement credit.
***COMPLAINT # 2****When I signed up for this card, it was advertised that I would receive 5 % anniversary points every year after the first year. As of today, XX/XX/XXXX, I have not received my 5 % XXXX XXXX XXXX anniversary points. My account was opened in XX/XX/XXXX, and my 1-year anniversary would have been XX/XX/XXXX. As of XX/XX/XXXX I still haven't received my 5 % XXXX XXXX Anniversary points ( which would have been at least XXXX XXXX XXXX miles. I called and spoke with a female representative in early XXXX and she was not able to help me, she said I have to keep waiting but I am already past my 1-year anniversary.
|
| 10/02/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
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I have disputed charges for services to my BarclayXXXX XXXX following the dispute process of the card issuer, by multiple telephone calls as well as via letter. The charges were for verterinary services provided by Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The services provided were of poor quality and were provided by XXXX school students who were not properly supervised by experienced veterinary clinicians, and resulted in the XXXX of my young dog. I have contacted the merchant, who has not resolved the issue, on several occasions prior to contacting the card issuer, XXXX XXXX. The credit card issuer has taken every opportunity to first discourage me from disputing the services, reluctantly entering the dispute, and contacted me by telephone today to inform me that while they had provided provisional credit to my account, they are now recharging my account and not pursuing the dispute because the charges were for services which were already rendered. I responded that of course they were already rendered, but that I still had the right to dispute the charges due to the issue related to the poor quality of the services provided ( the charges were for a total amount of {$5600.00} over 4 separate charges, made in my home state of Texas. I asked to speak to a manager, and was told that no manager was available, but that someone would contact me in a few days. It is clear that XXXX XXXX has no intention of complying with the provisions of the Fair Credit Billing Act by pursuing this dispute with the merchant.
|
| 02/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I received a call and was convinced to purchase a vacation package from XXXX XXXX XXXX. Due to issues with obtaining my passport, I called to cancel the vacation on XX/XX/XXXX as outlined in the XXXX XXXX XXXX disclaimer. I spoke to a representative named XXXX and was told I would receive a refund in 5 to 10 days but never got it. After following up with XXXX and being ignored, I called my credit card company, XXXX, to file a dispute. On XX/XX/XXXX I spoke to XXXX at XXXX and he suggested I wait another 10 days and call back if a refund was not issued. On XX/XX/XXXX I filed a formal dispute with XXXX for the transaction in the amount of {$1300.00}. Attached are responses to my complaint from XXXX dated XXXX XXXX stating that they would not assist me even though they contacted the wrong company, XXXX XXXX XXXX, during their investigation. On XX/XX/XXXX I reached out to the BBB, followed their complaint process, worked with a rep named XXXX XXXX at XXXX and again received responses that XXXX will not assist me in resolving the matter. It is obvious to me that XXXX XXXX XXXX is using unethical business practices as they ignore calls, drop phone calls, do not respond to emails, and have an inoperable website that does not allow customers to make contact. However, I thought my credit card company, being the giant that it is, would provide better protection for consumers like myself who have done everything possible within the prescribed guidelines. I now question the business practices of XXXX.
|
| 11/17/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
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On XX/XX/14 I received a credit card from Barclay 's Bank Deleware for a Wyndham Rewards credit card that I did not apply for and was sent using my maiden name. Upon calling the company they were incredibly unhelpful. They would not provide me the information needed to provide to the police department to start a police investigation and a paper trail for the incident. When I was finally able to get through to the investigations department they were not helpful and did not take my complaint seriously. After almost an hour on the phone and talking with multiple people I was finally able to get a case ID number although they continued to ask why I needed this information. None of the employees I spoke to seemed to take this issue seriously.
Additionally, when calling Wyndham Rewards to get additional information from the customer service representative about how a rewards account was opened in my name without my consent, they were equally unhelpful. They also seemed confused as to why I would want to close my account even after explaining multiple times that this was a fraudulent account. While the account was opened using my email address, I asked why I had not received an email with information upon opening my account, the customer service representative had no answer and continued to tell me that I would not receive any further emails- which was not the issue. I have yet to receive an email confirming that my account has been closed. This call, which should have been quick, took upwards of 30 minutes.
|
| 12/18/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
On XXXX XXXX, I mailed two checks to XXXX XXXX XXXX to pay off my loan. One check was from my personal checking account and another check was from my credit union which loaned me the money to pay this loan off. On XXXX XXXX, my payment was due and they had not posted my payments sent via the mail so I made my monthly payment. On XXXX XXXX, my personal check cleared the bank but was not posted on my account and showing on the website. I started calling in late XXXX since they now have {$120.00} extra dollars along with the payoff. They claimed they could not find my checks. They created a case ticket - XXXX. They claimed then that it may take 10 days to locate the checks. They needed to research. I have called numerous times since then and they give me a different total on the days it takes to find my checks which they have already deposited on XXXX XXXX. On XXXX XXXX, I got a copy of both checks front and back showing they had deposited and faxed to XXXX with my case number. I called last week and they have found the checks but it can take 45 days to post these to my account. Another payment is due on this account and interest is piling up. I need someone 's help - they are not posting my checks and giving me my extra {$120.00} back. I do not plan to send them another payment. They acknowledge they have my checks but refuse to post them on my account. I tried to call their complaint line and it sends you to another division and they do not even have my records. Thank you for anything you can do to help.
|
| 11/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/XXXX my bank issued and mailed out a check to the Barclays World MasterCard credit card company in order to pay my account in full, XX/XX/XXXX I called the credit card company because they had not applied the payment to my account, they replied that they had not received it, but then proceeded to tell me they had opened up a case on XX/XX/XXXX to resolve a case on the lost check, mind you, they never informed me about a lost check. I have repeatedly called to them to check on my case. I have provided them statement and picture of back and front of the check. XX/XX/XXXX I called them to make sure they received picture of the check, they said they did not, but all of a sudden they then located the email, XX/XX/XXXX the first I called them again to see whats happening with the case, they said they have received the picture of the check and that within two to three business days itll be credited to my account, today XX/XX/XXXX I gave them a call, they said they had closed the first case and opened up another case and this will again take at least one full billing cycle to complete. I have called 1-3 times per week, their answers arent helpful and have not solved this case, this person that I spoke to this time isnt sure if they will find another excuse to not process the payment. The check amount is {>= $1,000,000}, in the mean time Ive had to make two more payments on this account, first person told me not to pay the balance, however it backfired on me, and now I have to continue making payments.
|
| 05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
On XXXX I submitted complaint number XXXX. I stated that in accordance with federal law Transactions and Experience are to be excluded from the consumer report in accordance with Federal Law 15 USC 1681a ( 2 ). I NEVER mentioned anything being reported as " inaccurately '' only what the law says should be EXCLUDED. In addition, the terms and condition mentions that they may report to the credit reporting agencies my experience with them BUT DOES NOT clearly states that I should be given the option to have my personal nonpublic information NOT SHARED with any nonaffiliated third party. This is a VIOLATION of 15 USC 6802 and furthermore their terms and conditions DO NOT give an explanation as to how I may exercise my nondisclosure right. Barclays also mentioned that the account is being reported as " charged off settled ''. in accordance with IRS publication 4681, charge off are considered to be " canceled debt '' which are to be included as " INCOME ''. Income can not be reported on the consumer report as it is a violation of privacy AND discloses specific nonpublic account information. This violates both the Gramm-Leach-Bliley Act and the Fair Credit Reporting Act. These are not my laws nor my rules but those established by congress. Ignoring them is places you CIVILLY LIABLE and is considered willful negligence and noncompliance for which congress says the consumer is to be compensated {$1000.00} for each violation in addition to ANY ACTUAL DAMAGES sustained by the consumer ( which are significant ).
|
| 10/12/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
In XXXX, I had my air conditioner replaced by XXXX XXXX XXXX. I paid them over {$1400.00} outside of my warranty for duct work and other items. I paid for this on my Barclays Aviator MasterCard. Two weeks later, the unit malfunctioned and was not working. It was over 90 degrees in my house. They were unresponsive by phone, their emergency line, email and XXXX. Another company had to come repair he unit and told us the wiring was not grounded properly which caused them to start on fire and short and then they melted together and the unit wouldnt work. We were told that our house could have burned down. The repairman from the 2nd company also told us that the duct work completed was shoddy and we needed to have it fixed. I told this to XXXX XXXX XXXX, the first company, and again they were unresponsive so I filed a dispute on my credit card for what I paid them so I could hire someone to come fix the duct work. I dont know the exact date but they wanted all of my documentation and I sent it to them. They received it on XX/XX/XXXX and have been reviewing it for two months with no progress. Ive been told several times that it was being escalated. Ive been getting the run around for months and I need help. They have a lot of information that I sent to them for documentation. They say XXXX isnt responding to them which is the same issue I had with the company. They wouldnt even respond to my XXXX XXXX XXXX complaint. I told XXXX from the disputes department today that I was filing a complaint with the CFPB.
|
| 05/28/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Barclays Bank offered a settlement ( in writing ) in XXXX XXXX, for a credit card debt with them ( 35 % of the total balance ). All payments were made, and on time. After the last payment was made, they apparently wanted to collect the remainder of the debt. They didnt acknowledge the final payment was made, and demanded the entire balance. They continued to disregard that the settlement agreement was fulfilled, and when I refused to pay any more ( all the while reporting a bad debt and lowering my credit score ), they eventually charged off the debt and sold it to XXXX XXXX in XXXX. Now in XXXX, the last few months XXXX XXXX is aggressively pursuing the entire debt, even to the point of sending the debt to a debt collection law firm, I assume to file suit. As XXXX XXXX investigates my disputes of this debt, all they are getting from Barclays Bank are credit card statements showing the total amount of the account and total debt which was sold to them. There is no acknowledgement of the settlement agreement which was offered and put in place by Barclays Bank, or that I paid the agreed upon payments according to the agreement. They apparently just did not take the last payment so they could claim the agreement was not fulfilled, thus allowing them to charge off and sell off the entire balance. I have kept copies of the agreement and statements from the bank used to pay the 4 agreed upon payments, so that will be my evidence if this comes before a judge. Those documents are uploaded with this complaint.
|
| 10/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
On XX/XX/2021 I closed my Barclays Bank credit card account. The representative assured me I had a XXXX balance and that the account was closed. I cut up the card. XX/XX/2021 I routinely checked my credit report and my credit went from XXXX to XXXX. I researched and found the closed account was reported as non-paid. Apparently from talking to multiple representatives at Barclay Bank, a charge of {$5.00} had been placed on my account after my closure. For 9 months Barclay Bank did not inform me of the charge, and kept charging interest and penalty. Prior to closing the account I insisted on my bills being sent in the mail, so I'd have a hard copy. I did not receive either a paper statement or an email statement. Three representatives from Barclay agreed with my assessment, an escalated it in the Barclay hierarchy. I understand mistakes and after 35 years of perfect credit I felt this was very simple. I also appealed to the three credit report companies, sending copies and explanations. I continue to receive form letters from Barclay saying their decision stands and they refuse to even hear my case. My case number at Barclay Bank is XXXX. Please help me. I know I'm a small customer, but this credit rating has really hurt me. I've never had a delinquent bill, and frankly, I did not make a mistake. I'm sure you have Barclay contact, but I was furnished with XXXX XXXX XXXX, XXXX, DE XXXX. I stand ready to answer any questions and will freely engage with anyone who will contact me. Thank you, please help.
|
| 02/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Barclays has locked my Frontier Airlines XXXX account behind a series of security questions to which I never setup answers. I was unable to login to schedule a payment until I called their support team to have my account unlocked. My account was locked because I could not log in with my username and password without answering security questions that I never setup. After regaining access to my account on a single computer, there is no way to reset these security questions, which I never setup in the first place. There appear to be 3 questions : XXXX. What was the house number of the home I grew up in? XXXX. What was the name of my hometown newspaper? XXXX. What was the name of your highschool. I have only had this card for a few months, and at no point during any registration process was I prompted to provide my answers to any of these 3 questions. I am still unable to access my account on more than one device becuase I am still prompted for these security questions that I do not have the answer to, never setup, and have no means to change.
After speaking with their terrible offshore support and going through a process that I firmly believe 80 % of US consumers would be unable to successfully complete, I regained access to my account after performing a password reset. I paid the balance 1 day late due to this issue, but not before they charged me a {$29.00} late fee. I believe that they are likely doing this to swarms of users to make it more difficult for customers to schedule on-time payments.
|
| 05/25/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
XXXX of the benefits with the XXXX XXXX card is earning XXXX status after spending {$50000.00}. Under the benefits document and everywhere this benefit is explained, it says : " You 'll qualify for XXXX after you make {$50000.00} in net purchases that post to your XXXX billing statements. '' Sending multiple messages to customer service and calling in, all agents I spoke to said the spend is based on purchases posted to a calendar year, XXXX XXXX through XXXX XXXX . This is contrary to the advertised benefit, which states purchases that post to the XXXX billing statements. My XXXX statement closed on XXXX / XXXX / XXXX which means all purchases made in XXXX after that date posted to the XXXX XXXX statement. Thus, all purchases made between XXXX and XXXX count towards XXXX status for XXXX . I have been denied the status after many attempts in explaining the wording and how I am indeed eligible for XXXX based upon my spending between XXXX / XXXX / XXXX and today. Purchases posted to following statements : XXXX : XXXX , XXXX : XXXX , XXXX : XXXX , XXXX : XXXX , XXXX : XXXX , XXXX : XXXX . If calendar year spending is what is truly intended, then the wording needs to be changed. I made several large purchases at the end of XXXX which I could have held off on if I knew they did n't count towards XXXX . In any case, based on the wording and my interpretation of the benefits explained, I have met the {$50000.00} spending requirements.
|
| 09/21/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I purchased a hotel room through XXXX XXXX XXXX on XX/XX/2023, order # XXXX. XXXX XXXX XXXX advertised on their website best rate guarantee policy. I arrived at the hotel and the room was actually less than what XXXX XXXX XXXX charged at {$170.00}. I made a claim on the best rate guarantee on XX/XX/2023. In the morning of XX/XX/2023 the hotel room was infested with ants and bugs. I let the front desk know of the issue and they said they would let the bug guy know. XXXX XXXX XXXX posts on their website the procedure you have to follow to make a claim on the best rate guarantee. It lists an email address that you have to write to with the details. I did. At the end of that email is another email address you have to email and I did. Then there was another email to write to and that box does not respond and no one answers that email box. So I moved on to disputing the charge with Barclays XXXX, which asked for more information which I supplied by certified mail twice. Barclays card attempted to confuse the issue by disputing a different charge of {$170.00} which I did not dispute, that charge is paid. I asked for a refund based upon the published best rate guarantee by XXXX XXXX XXXX of which XXXX XXXX XXXX has dishonored their own published policy. I have spent XXXX hours preparing documents, printing emails, researching, mailing and making phone calls times {$400.00} an hour is {$1400.00} plus certified mails costs of {$9.00} and {$10.00} on the refund on XXXX XXXX XXXX order # XXXX of {$170.00}.
|
| 08/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
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XXXX, PA, a law firm in XXXX XXXX, North Carolina, wrote a check from an escrow fund containing my money on XX/XX/XXXX. The check for {$8500.00} was sent to Barclays at the address shown on their website. This check was to pay down debt on a XXXX XXXX XXXX as part of a real estate closing.
Barclays deposited the check on XX/XX/XXXX at a bank in XXXX, Maryland. XXXX has a copy of the canceled check. Yet Barclays has not applied the payment to my account and continues to charge me interest on the balance.
In a three-way call today, an attorney from XXXX and I were told by a Barclays customer service representative that a case has been created ( # XXXX ) and Barclays is investigating. Apparently, they have no idea where the money is or why it hasn't been applied. I was told it will be another 30-60 days before the case is resolved.
The Barclays representative says this is " a known problem. '' I don't know if he meant my lost money in particular, or if they have several cases where deposited money has vanished.
Either way, this is unacceptable. We asked if we could contact the Investigations Department directly and were told no. My attorney was very upset and suggested that I file a complaint with Consumer Protection, so this is it.
I want my {$8500.00} -- which I know for a fact is in Barclays ' possession -- to be applied to my credit card account without delay, without any more vague promises for eventual resolution. I want the finance charges for this period to be rebated or forgiven.
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| 03/03/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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I have a laundry list of complaints against multiple different creditors and credit card companies, against credit bureaus, against your agency and against the US government.
The financial institutions are : 1. XXXX XXXX : They have suspended online access to my account, they charge excessive fees and interest, and they have made it almost impossible to actually pay my bill. I have a balance of around {$1700.00} with them and I can not even pay my bill online and they might have even returned or refused to accept a payment from me.
2. Ditto for Barclays Bank. I can sign on, but I think that they actually returned a payment from me. I am over my credit limit, and I sent them a cease and desist notice and made all kinds of threatening statements to them in e-mails. I have been trying to pay off that debt and I am having trouble doing that. I have not even used that card for many months now, and they still charge me interest and fees.
3. XXXX XXXX ( see my previous complaint ). I tried to reopen that account and they will not let me gain access to my old statements for tax purposes.
4. XXXX PrePaid Debit XXXX. I could write an small novel about my experience with them. I melted my debit card with positive balance on it at the XXXX XXXX in XXXX, XXXX because I was so upset about having to deal with their customer service department.
5. XXXX XXXX : Overall, they have been OK to work with, but they recently told me that I have to close out my account with them towards the end of this month.
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| 10/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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OnXX/XX/XXXX I mailed a correspondence to BARCLAYS BANK DELAWARE due to the fact that BARCLAYS BANK DELAWARE was reporting a debt ( alleged account number truncated from credit report XXXX ) and outstanding balance of on my credit report, which is completely in error and false. My correspondence was received by BARCLAYS BANK DELAWARE on XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span> per XXXX XXXX number XXXX XXXX XXXX XXXX XXXX and signed for by a representative of BARCLAYS BANK DELAWARE XXXX per the return receipt received by me ( XXXX XXXX XXXX. The reason for this correspondence was to have BARCLAYS BANK DEALWARE cease and desist reporting to the credit bureaus until this alleged debt can be lawfully verified. I provided 30 days to BARCLAYS BANK DELAWARE for a response ; it is well past 30 days with no response from BARCLAYS BANK DELAWARE. I have attached a copy of this correspondence in this complaint to ensure that it is on record that BARCLAYS BANK DELAWARE did receive my correspondence twice, one in the mail and one through this complaint. According to my credit report this item/account was still being reported as of XX/XX/XXXXwell after receiving my correspondence, so BARCLAYS BANK DELAWARE apparently has decided to ignore my correspondence but continue to report false information on my credit file. If BARCLAYS BANK DELAWARE continues to violate the law, I will pursue litigation and seek full damages for the injury they have caused me and continue to cause me by defaming my name and character.
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| 01/19/2017 |
Yes |
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Web |
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I booked a vacation with XXXX through a program called Upromise. I did this because the program offered 5 % back from Upromise and 5 % additional back for using the same branded Upromise Barclays MasterCard. The vacation took place XX/XX/XXXX. All I have received so far is 1 % back. I have asked Barclays Upromise about the issue and they have stated for six months " we are waiting for XXXX to respond. '' I have been patient and waited until this week to file this complaint.
It appears to me the problem is we changed the reservation by cutting off a day. The XXXX representative over the phone instead cancelled the reservation and hung up once he realized the mistake. Subsequently we spoke with a supervisor on another call who was able to patch things up. This does n't change the fact we used the program and did not drop the ball, the representative did and we still paid with the card and stayed at the same place as we agreed originally. The reward offer did not specify a minimum dollar amount or certain days required to stay. We simply had to use XXXX and pay with the UPromise MasterCard. This is only a guess on my part, as the only thing I have been told is " we are waiting on XXXX to respond. '' I would like to get this resolved since I used these programs to book because of their offer. They have had ample time to sort this out. If I had used another card for the trip, I would long ago have received the reward, as I have several cards that have never once left me out in the cold like this.
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| 03/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
Older American |
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I called Barclays to cancel XXXX XXXX XXXX XXXX card I had with them. They offered me a no annual fee XXXX XXXX card if I would stay with them. I accepted the switch and did not know this canceled the auto pay I had on the original card. After 3 months I received a letter telling me the account was closed due to non payment. I immediately called and paid the entire balance most of which was late fees.
My almost perfect credit score has dropped 80 points. I was receiving emails about my payment being due but they were the same emails I was getting prior to switching cards and I thought they were still being auto paid. None of the emails had a subject line that would let me know the bill was going unpaid. When I called to pay off the card I asked for help fixing my credit score I was told they would look into fixing my credit status. The next day I received a voice mail telling me to call the same XXXX number and ask for a supervisor. When I called back I was not put through to anyone and was told to write a letter to FCRA. I When offering to switch the cards the salesperson should have asked me if I wanted to continue to auto pay. Why did they wait till they had run up high delinquency fees and then closed the account before attempting to contact me. They had both a phone number and mailing address.
They offered the switch without being clear about the change in auto pay. The charged me high delinquency fees and then closed the account. I received a letter telling me the account was closed.
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| 11/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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I have an incredibly specific complaint about XXXX XXXX and their " only on this flight '' credit card offers. Now, I've witnessed this from time to time, but I can speak directly to this complaint as I've witnessed 76 ( that's right ... seventy-six! ) times this year alone. How do I know this? Because I've been on 76 American flights this year and every last one of them has offered me an " only on this flight super special once in a never time deal ''!
Now, I can appreciate that they want to squeeze as much money out of folks as possible, but ... to lie to consumers literally *EVERY FLIGHT* about this AND to not have any way to opt out of being marketed at in a very aggressive way that you have no way of stopping is completely unacceptable. They claim it's not on every flight, so I must either be the most lucky passenger in the world to have the same XXXX offer shouted and rammed down my throat every time I get on the plane OR ... they're lying to customers and creating completely false advertising.
This practice is complete nonsense. You pay a *lot* of money for flights and these folks are XXXX bent on forcing you to listen to their nonsense. What I've found out is they highly incentivize their employees to do this ( even when they're not supposed to ) to hawk these products and XXXX the customer experience and the honesty of the pitch! Heard this directly from a flight attendant who was traveling next to me on a plane.
What can we do to stop dishonest and captive marketing like this?
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| 10/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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The problem is with the XXXX XXXX AAdvantage card administered by Barclays. I got a call from the credit card company on XX/XX/XXXX that questioned a charge from XX/XX/XXXX on our account ending in XXXX. We said it was improper charge. As a result they suggested we close that account and were told that we would be issued a new card that we would receive in 7 to 10 days. To date, we have NOT received that card.
I went into my account online and found that there had been charges to the NEW ACCOUNT that APPARENTLY ending in XXXX. Again, I have not received a new card OR ACTIVATED IT but there were charges anyway. Among the charges was ANOTHER FRAUDULENT CHARGE BUT TO THE NEW CARD ( XXXX ). I HAVEN'T RECEIVED OR ACTIVATED THE XXXX CARD. HOW CAN THEY ACCEPT CHARGES TO THE NEW NUMBER WHEN IT HAS NOT BEEN RECEIVED OR ACTIVATED? The suspect charges had slightly different names but were for the same amount of {$120.00}. Clearly, both were from the same company in CA.
I called Customer Service to dispute the latest charge of {$120.00}. She closed the XXXX card ending in XXXX that I had not even received let alone activated! However, in discussing the problem with Customer Service, I accidently found out that, upon closing the second card ( XXXX ) ANOTHER CARD WAS TAKEN OUT AND ACTIVATED ending in XXXX!!! WHAT KIND OF SECURITY IS THAT???? When I complained and asked to talk to a supervisor I was cut off.
I went back into the website and IMMEDIATELY cancelled my account.
THIS IS GROSS NEGLIGENCE.
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| 04/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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We purchased a vacation rental with our Barclay mastercard in XXXX XXXX for a 2-month stay in XXXX. Guaranteed in the contract was a full credit voucher for a later stay in case the border closed. This gave us the confidence to book, plus it was paid through the supposedly reputable company " XXXX '' who has their own " Booking with Confidence/Payment Protection Plan ''.
The border closed on the day of our flight ( XXXX XXXX, XXXX ) and we were denied our credit voucher. XXXX would not help us, despite their protection policies. They said we were on our own to deal with the overseas owner, with whom we have no leverage. This is a major deception in business practices and false advertising/misleading guarantees/bad faith. No one would ever book with a company like XXXX if they knew they had no protection and were on their own with overseas owners.
We purchased a vacation rental, whether it was for XXXX or a later date. It is a tangible product and though we paid for it in entirety, we have been refused the product and have nothing to show for our over {$4000.00} payment. Barclay has refused to issue a refund, siding with XXXX despite our not having the product we paid for. We have had several phone calls with both Barclay ( who will not answer their customer service phone ; we were on hold for 3 hours and refused requests to speak with a manager ) and with XXXX who refuse to help. Certified letters including dozens of documents have been sent to Barclay, and also to XXXX, but to no avail.
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| 06/26/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
Older American |
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I am a victim of identity theft of Barclays Bank Delaware credit card opened on XX/XX/XXXX by someone using my personal data. I have provided all necessary documents, the police report and the FTC Affidavit report, to the Bank in order to justify as proof that I am the victim of identity theft.
I am very disappointed with the Barclays fraud investigation process. I have mailed several letters ( via certified mail ) with my many important questions but I have never received any responses to my questions. I demanded answers to my list of questions, however, the Bank has not yet responded to my questions. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ).
In my last couple phone conversations with the Barclays fraud investigators, their final conclusion of the investigation was that this card was activated by a phone call made from my home phone. I requested the Bank to mail me proof of any documents to support their claim. So far I am still waiting for their answer from the Bank along with many other questions as stated in my letters. I also asked the bank to stop harassing me with phone calls 3 to 4 times per day consistently and sending me letters to collect the money that I do not owe, and now the bank engaged the debt collector, XXXX XXXX XXXX , XXXX on XX/XX/XXXX.
At this point, I believe I have provided all documents to justify that this is a fraudulent account and that I am the identity theft victim. Please help me to clear this ongoing issue with Barclays Bank.
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| 12/01/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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The issue I am reporting is with the rewards program of the Barclays Arrival Plus World Elite Mastercard. Per the card 's terms and conditions, purchases earn " arrival miles '' which in theory should be usable for travel related purchases. The exact wording on the website is " Travel purchases eligible for redemptions are defined as airlines, hotels, motels, timeshares, campgrounds, car rental agencies, cruise lines, travel agencies, discount travel sites, trains, buses, taxis, limousines, ferries and your account annual fee. '' However, over the course of ownership of this card there have been two instances where I have made purchase from qualifying institutions ( as detailed above ) and the bank refused to allow me to apply my award as advertised. The first was the purchase of a XXXX USD XXXX gift card, which the bank said did not qualify as it was a gift card. However the card was purchased from a transportation firm with no other possible redemption except for against future transport on the XXXX network. The second instance was a hotel stay for XXXX USD which was erroneously categorized as a restaurant, for which the bank representatives noted they had no ability to correct. As the stay was clearly labeled as a hotel, the XXXX XXXX XXXX, I do not see how the bank can continue to refuse to honor the terms of it's own reward program in what is clearly a demonstration of bad faith. I would ask only that the bank apply the correct amount of it's rewards system to my charges as advertised.
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| 06/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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Barclay 's who manages the Carnival Mastercard sent promotional offers starting XX/XX/XXXX offering 0 % APR for any new purchases till XX/XX/XXXX. They then continued to send offers including reminders until XX/XX/XXXX which offered 0 % until XX/XX/XXXX. I received a total of 10 e-mails during this period regarding these offers and I activated it.
I had purchases on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I discovered that on XXXX statement the promotional APR was only applying to prior purchase and a balance that did not correspond to any outstanding balance showed the standard APR of 24 %.
I called and spoke with a representative who opened a ticket because they showed that I activated the offer on XX/XX/XXXX but I had already activated an offer in XXXX and thus that should have applied to the XX/XX/XXXX charge as well. She indicated that our in fact have 0 % APR on this purchase till XX/XX/XXXX ( which still is short the offer of XXXX ).
I received my next statement and the typical APR of 24 % applied to entire purchase of XX/XX/XXXX. I called and the representative indicated that " investigation '' found it did not apply because the promotional 0 % only applies when you first open a card which was not the offer in question. The representative then confirmed that they have no way of knowing what offers are sent to individuals and was able to offer no further assistance on the matter. I was told I could submit proof of the offers by mail or fax ( not by e-mail or electronic form ).
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| 10/31/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Servicemember |
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On XX/XX/2019, a payment check in the amount of {$1500.00} was cashed by someone within the Barclays Bank organization, however, the payment was never credited to our account. The company was contacted about this payment and a conditional credit was placed on our account while the payment was to be tracked down. The bank requested copies of the front & back of the cashed check knowing that such copies do not exist since payments are processed digitally in Barclays ' system, meaning it is impossible to provide what they were requesting. What we were able clearly show and provide was the transaction ID from the check being cashed by Barclays Bank. Even after Barclays was contacted directly by a representative of our financial institution and told that what they are doing is essentially breaking the law, even after having submitted the transaction information showing the payment was received, and now, nearly 4 months after the original payment check was cashed, we are still being ignored by Barclays Bank with no communication about the status of the situation after 6 weeks from the date we re-submitted a letter and all pertinent information to them ( faxed on XX/XX/2019 ). Additionally, we have submitted 2 complaints to the XXXX XXXX XXXX regarding this situation. We have every bit of information necessary to prove they received this payment and it is beyond absurd that they have been able to get away with this. We were given a case ID number by Barclays, but that has been of no help, either.
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| 02/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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I opened a Barclays XXXX credit card ending in XXXX on XX/XX/XXXX to earn XXXX XXXX points on my purchases. On or around XX/XX/XXXX, I noticed that I could no longer use the miles that I earned from my Barclays credit card, therefore I stopped using my credit card. This is not the first time I've encountered an issue with Barclays. In XXXX, it took approximately 6 months for my XXXX points from a different credit card to be awarded to my account.
Understanding that there has been a pattern of XXXX ineptness from Barclays Bank Delaware, I waited a while to see if the problem would fix itself.
On XX/XX/XXXX, I received an email notifying me that my XXXX XXXX rewards account had been involuntarily terminated and my rewards forfeited. After reading through the relevant terms and conditions, I do not see a provision where my rewards account can be terminated and my rewards points forfeited.
As I earned approximately XXXX rewards points through this credit card, industry expert " XXXX XXXX XXXX '' values these at approximately {$850.00}. Additionally, I paid an annual fee for this card in the amount of {$95.00}.
Since I can no longer earn rewards on this card that is heavily advertised as a rewards credit card, it does not seem right to pay Barclays Bank Delaware a fee when I can not use the rewards. It seems like this product has been deceptively advertised as a rewards card when Barclays XXXX their vendor can confiscate my rewards without any warning while also charging me to do so.
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| 01/09/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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In XXXX XXXX, I closed an account held with Barclays Bank, XXXX XXXX XXXX and paid it in full in the amount of {$1200.00}, in order to open another account with the same company that had better rewards benefits. This was done on the recommendation of a XXXX employee. Barclays later misapplied the payment to the new account, leaving a balance on the old account. The payment was transferred between accounts numerous times. In XXXX XXXX, the transfer by XXXX also created a charge in one of the accounts -- it was taken into a debt status rather than simply being returned to a XXXX balance. I paid for all purchases on both accounts. I have provided proof of these payments to Barclays not once, but twice. But, the payment of {$1200.00} is not being credited correctly, and each month interest charges and late fees accrued on both accounts. The balance is now some {$22.00} on one account and over {$1400.00} in the other. I owe the credit card company no money. Over the course of these transfers, I have at least nine times complained to customer service representatives and in writing to Payment Research. They send back form letters that the complaint is resolved, yet all that has happened is the payment has been moved to the other account and the false charge placed on the account by Barclays in XXXX has not been removed. I have excellent credit and do not want this event to negatively impact it at all. Barclays has placed an impossible burden on me to resolve a mistake it introduced. Please help.
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| 03/05/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I am very upset with Barclays Bank Delaware 's actions. They have a mess in their reporting. They don't even know what is happening in the account, but I will explain what is happening : Barclays is reporting discrepancies across bureaus, they have failed to investigate my case or contact me to clarify my doubts after I called and emailed many times to their customer service department.
This is how they have been changing their reporting : XXXX : XX/XX/XXXX report : Late payment reported in XX/XX/XXXX.
XX/XX/XXXX report : Late payment reported in XX/XX/XXXX Now : Corrected, which is what I am asking for.
XXXX : XX/XX/XXXX report : Late payment reported in XX/XX/XXXX XX/XX/XXXX report : Late payments reported in XXXX, XX/XX/XXXX Now : Late payment reported in XX/XX/XXXX The account is the following : Barcalys credit card : XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, limit {$17000.00}.
I have been through a really hard situation. It has affected all areas of my life ( emotional, familiar, financial life ruined, etc ). My credit sore has dropped due to all the crazy changes that Barclays has been doing on this account. All I am asking is to get the late payment that is reported in XX/XX/XXXX in XXXX to be corrected, I demand no late payments to be reported in this account or to get the entire account removed from all three credit bureaus. I already have sent letters to Barclays and they didn't even mark the account as disputed.
Please send the attach proof to Barclays.
Thank you.
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| 09/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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On XX/XX/31 I went to XXXX to book a flight. Upon checkout, an offer for a XXXX visa rewards card was presented, offering a {$100.00} rebate if X amount was spent in X amount of days. After applying XXXX hard credit inquiry XXXX, I was not provided any information about my account. I didn't receive a confirmation email until nearly 8 hours later. At this point I didn't book my flight because I didn't have the travel reward card info. So the next day I called Barclay Bank and asked if they could give me my info so I could purchase my flight, and i was told they didn't have access to my account number and I needed to wait until I got the card in the mail ( 5-7 business days ). I was told that if I paid with a credit card, then the transaction could be moved from my current card to the XXXX reward card WITH NO BALANCE TRANSFER FEE. So I book the flight on my personal card. Fast forward to me getting my physical card, I call Barclay 's and ask for the transfer. The lady then tells me that there wouldn't be a transfer fee .... UNTIL XXXX XXXX this is a disgusting bait and switch tactic that put a hard inquiry on my credit report. I was transferred to customer service of both Barclay 's and XXXX, and each told me the other could do the transfer. As far as I know, there is no possible way for someone to apply for the rewards card at checkout AND USE IT THE SAME DAY to get the rewards. I want thia account closed but I do not want all the negative effects on my credit report. Absolutely asinine.
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| 09/28/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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I applied for a Barclay Business Aviator Credit card in XX/XX/XXXX. Over the course of a few weeks I was told more information was needed and was sent two conflicts letters on the same day asking for different types of information. I sent in information and called to confirm that it was received. I was told the card was approved, but then I was sent a letter of declination. I then called and they confirmed that it was an error by a representative and verbally approved again, and follows up with a letter and e-mail on XX/XX/XXXX. I was told I would get a card in 7-10 days. I did not.
On XX/XX/XXXX I called to complain that I did not receive a card, and see if another incompetent barlcaycard representative had made a mistake. I was told a new card was received on XX/XX/XXXX. I stated that I did not receive a card and explained that all my mail is scanned by USPS and no such envelope reached XXXX, OR. After about 9 telephone calls and numerous hangups and over 4 hours on the phone I still have not had the issue resolved. Every call I am told I need to speak to someone else, and put on hold. The representatives tell me conflicting information and keep making me run in circles without resolving the issue.
I was told that my card was used for cash advances in Georgia, where I am not, and where I have never used a cash advance. I was also told that they could not help me because the phone number they have on file is different, and they could not check my original number in my application.
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| 10/20/2016 |
Yes |
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Web |
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XX/XX/2016 ( exact day unk ) I made an online purchase to XXXX XXXX XXXX for a taser holster. The purchase was taking too long to arrive so I contacted the company as to the status of my purchase. I contacted the company via email a few times with responses. The dates are as follows : XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016. The last date is when I asked for a complete refund because I was getting the run around. Typically when I have made any purchases online I am not charged until the item gets shipped which I found strange with this company. Communication broke down after I requested a refund. I contacted my XXXX Master Card issued by Barclaycard on XX/XX/2016 to dispute the charge and I supplied them with all the emails and receipt for the transaction and was given a case number and told it would take 90 days to get resolved. When I did not hear back from Barclaycard I contacted them on XX/XX/2016 and was told the case has not been resolved until XX/XX/2016. On XX/XX/2016 I recontacted Barclaycard and was told the disputed charge should reflect within 48 hours. On XX/XX/2016 spoke to XXXX at Barclaycard regarding the dispute and was told there was an error and I was given a new case number. I contacted the credit card again on XX/XX/2016 and was told it would take 45 days from XX/XX/2016 to hear back from the merchant. It seems I am once again getting the run around but this time from the credit card as this dispute was first reported to the credit card beginning XX/XX/2016.
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| 09/23/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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On XX/XX/2023, I was a victim of a XXXX where I was forced by two XXXX to purchase jewelry at XXXX XXXX and XXXX, XXXX XXXX XXXX XXXXy in XXXX and XXXX, Washington, respectively.
The total was {$14000.00} At XXXX XXXX, {$13000.00} of jewelry was purchased using my Juniper/Barclays Bank credit card.
At XXXX, XXXX XXXX XXXX XXXX XXXX$1100.00} of jewelry was purchased using my Juniper/Barclays Bank credit card.
On XX/XX/2023, I called the XXXX financial institutions involved to inform them that the purchases were under duress.
Barclays Bank reversed the charges and began an investigation.
XX/XX/2023 : I faxed my notarized statement with the XXXX, XXXX XXXX report number XXXX, signed Barclays Statement of Fraud , and signed Barclays Affidavit of Fraud to the Barclays Fraud Department .
XX/XX/2023 : I received a letter dated XX/XX/2023, saying that the charges were deemed valid and that I would be responsible for them.
XX/XX/2023 : I called Barclays, and they confirmed my investigation was still ongoing, but they wanted me to pay the balance.
XX/XX/2023 : A representative who identified themselves as XXXX, operator identification XXXX, called me and informed me after further review that I was responsible for the charges and that Barclays does not consider duress when reviewing fraud claims.
XX/XX/2023 : I received a letter dated XX/XX/2023, from Barclays again informing me I was responsible for the charges. The letter was identical to the one I received on XX/XX/2023.
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| 02/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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On or before XX/XX/2021 I entered into a consumer credit transaction by submitting an application with barclays for an extension of credit for my personal, family and household use in which they denied my right to credit and the account that they hold with that application is evidenced with the negative inquiry through transunion they furnished on my consumer report in which I did not give my consent or authorize them to do. Within that application I entered my name, address, phone number, email and my social security number and pursuant to 15 U.S.C. 1602 ( L ) is my credit card. I signed the application electronically which gave it value and I did not receive equal consideration for that asset I submitted to barclays. The constitution states that no personal/private information shall be taken for public use without just compensation. Barclays used my social security number which is my credit card pursuant to 15 U.S.C. 1602 ( L ) to establish an account in which I am the holder and beneficiary of and I received no benefit from the transaction. Congress clearly states that the transaction is " unauthorized use '' pursuant to 15 U.S.C. 1602 ( p ). Barclays is now criminally liable for willful and knowing violations pursuant to 15 U.S.C. 1611 and I will seek litigation for said violations if this issue is not rectified. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. Silence is Acquiescence, Agreement and Dishonor.
|
| 04/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
On XXXX XX/XX/2020, Barclaycard USA attempted a withdrawal from my bank account. I was pending my monthly paycheck, and so this payment was denied and I was charged both a NSF fee by my bank and Barclaycard. I had already paid the mimumum monthly payment for XXXX, so was unaware that an additional payment was being made. As a result of the NSF fee on Barclaycard, my credit card went over the credit limit. So I posted an amount of {$30.00} to reduce the credit limit - but this was also charged an NSF fee. Both the original payment and the {$30.00} payment were then retried, without my permission, by Barclaycard, charging 2 additional NSF fees ( at {$28.00} each ). I emailed, and I was slightly upset so had a slightly accusatory tone, to Barclaycard to stop attempting payments. Today, I submitted a {$250.00} payment to the Barclaycard credit card, to reduce my credit limit to well below the maximum amount, after I received my monthly paycheck. I wrote to Barclaycard explaining this. Through this process, however, Barclaycard did not, and has not replied to either of my messages ( through their online system ), and in addition, my online banking, is now showing my account is closed. I tried to call Barclaycard and their lines are busy with very long waits, which is understandable during the current COVID19 situation. But what is not understandable, is their lack of communication and attention to resolve this issue, again, similarly during this COVID19 crisis.
Thank you for your time.
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| 12/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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We stayed at XXXX XXXX by XXXX hotels last XX/XX/21. It is part of their scheme to have the visitors to attend one of their seminars for 1 hour they said but it took us 5 hours. At the same date as above, they offered a timeshare and with our consent we agreed to have our credits checked and just to see where we at. We provided our information and signed some consents that they will just use our information to see our current APR for timeshare. We we're there for 5 hours because many of the agents goes back and forth to all the visitors/attendees trying to convince us to take a timeshare. We straight up told them we are just inquiring and just curious and not really planning to get one at least for the time being. All the agents look so XXXX and XXXX. They we're not very professional and kind of forcing us to sign but we never did. 1 month after, I received a letter that I opened TWO NEW CREDIT CARDS FROM WYNDHAM. The first one is from Barclays Wyndam Rewards with a credit limit of {$1600.00} and the second one is from XXXX XXXX Bank Wyndham XXXX XXXX for a credit limit of {$5000.00}. Attached pictures are the evidences and the dates when they opened a credit card for us.
It was never agreed that I will open any credit cards under them. And I never consented them to use my information specially my Social Security to Barclays and XXXX XXXX XXXX. This also hard hitted my credit score and also my wife 's because they actually attempted to open a credit card to my with Barclays too.
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| 03/27/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
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Web |
|
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I bought an XXXX computer and used the credit option. While purchasing, I asked whether I would have to pay {$200.00} or so a month in order to pay off the computer by the time they referred to as the intro period. ( Sometime in XX/XX/XXXX ). They said no. They said I could pay off the balance with the minimum at {$27.00}. They said there would be no interest for the intro period and after that period was ended interest would then accrue like any other credit card.
Instead, when the intro period ended, XXXX took all the interest accrued during the intro period and suddenly tacked it onto my credit card.
Now I'm $ XXXX over the credit limit and my payment has gone from {$27.00} to {$88.00} and it's climbing as interest and over limit fees build.
I called XXXX at XXXX XXXX PST on XX/XX/XXXX and spoke to an agent ( named XXXX ).
I explained the above and he told me that they could waive the interest - since they had not explained the terms to me correctly.
However, he could only waive the interest if I paid - in full - the amount left on the XXXX balance, which is {$1700.00}.
They falsely misrepresented the terms of the card to me. They admitted to that during my phone call with them ( which was recorded by them ). It's unfair business practice to force me to pay {$1700.00} in cash in order to correct their misrepresentation.
The interested accrued needs to be immediately waived so that I can pay the balance like normal with interest accruing at the card 's normal rate.
|
| 05/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
On date XX/XX/2022, I used Barclays AAdvantage Aviator card ending with XXXX to make a purchase on XXXX via XXXX for the amount of {$540.00}.
On date XX/XX/2022, I used Barclays AAdvantage Aviator card ending with XXXX to make a purchase on XXXX via XXXX for the amount of {$330.00}.
On date XX/XX/2022, I used Barclays AAdvantage Aviator card ending with XXXX to make a purchase on XXXX for the amount of {$1000.00}.
On date XX/XX/2022, a fraudulent charge was found on the Barclays AAdvantage Aviator card account, and the same card was closed by Barclays due to security concerns. A new AAdvantage Aviator credit card ending with XXXX was then subsequently issued as replacement.
On date XX/XX/2022, a refund of {$110.00} dollars was issued by vender XXXX back to the original credit card ending in XXXX.
On date XX/XX/2022, a refund of {$540.00} dollars was issued by vender XXXX back to the original credit card ending in XXXX.
On date XX/XX/2022, a refund of {$1000.00} dollars was issued by XXXX XXXX back to the original credit card ending in XXXX.
As of today, non of the aforementioned refund was received on my credit card account. Barclays has held my money for the amount of {$1600.00} for weeks now.
Several phone communications to Barclays were made to no avail. Barclays has turned a would be simple and automated refund transaction into completely unnecessary uncertainty and wait game. I urge barclays card to do the right thing and stop holding my hard earned money hostage.
|
| 01/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
This is in regards to my Barclay card. I pay off the entire balance twice a month. I go to the Barclay Internet site, see what I charged, see what I owe and pay it off. It always adds up when I add the new charge numbers compared with the payments I have made. This month the Statement said I owed {$1500.00} ( XXXX ) and I have no problem with that, I went over the charges. I paid {$1400.00} of it which is reported as such on their internet Statements provided for me. That comes to a total of {$150.00} which I would gladly pay because I owe it. The Statement amount I owed said I owed {$500.00}. I wanted an explanation of why so I contacted them through their site. They replied see your transaction statement. That's exactly what I had done and the numbers just didn't add up. I called them went over the numbers. They said it was carryover from the month before but when we viewed those statements I actually carried over a surplus. we looked at the statement before that ( surplus ). They could not explain the discrepancy. I spoke with the supervisor, she could not explain the discrepancy. It ended with " you just owe that because that's what our records say you owe, so pay it. '' I have paid it and cut up my Barclay card. I told them to cancel my account but in my eyes because they couldn't explain the extra {$300.00}, I believe they stole that money from me. Thanks so much for this outlet and I hope you can help or at least warn people not to use Barclay. Respectfully, XXXX XXXX XXXX
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| 03/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
My identity was stolen to use to open Barclays XXXX card I was aware of the opened in early XX/XX/XXXX. I contacted the company and agreed to pay the outstanding principle and asked to close down the account at time of payment. Fast forward, XX/XX/XXXX I received another statement from the company with a new balance. I immediately called to find out why theres a new balance and the account hasnt yet closed? The representative admitted companys error and said sir, youre not responsible for this. We ended the call. I assumed the company had failed to close down the fraudulent account I initially requested to be close back in early XX/XX/XXXX which led to additional activities on the card. At this point I thought the problrm had been resolved. Fast forward XX/XX/XXXX, I received a collection statement of unpaid balance from Barclays XXXX card. I call the collection and told them my story, the representative told me to call Barclays. I call Barlays and explained to them what happened and provided information to assist their investigation. I ask them one important question : why was the fraudulent account open after I made the full payment and requested it to be close in XXXX? Barclays investigative team couldnt answer the question and failed to accept their mishap and told me they cant provide further assistance to resolve this matter because the account has sold to collection agency, and I need to talk to collection agency. WHAT?!!! Im mad, disappointed and disgusted with Barclays.
|
| 12/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
In reference to ID # XXXX the response was insufficient to the previous claim and charges. 15 U.S. Code 1611- Criminal liability for willful and knowing violation ; As the real beneficial owner of the account that Barclays has been fraudulently claiming the credit from the DTC. I requested my initial credit application be rescinded and all Securities Collateral.
Per public law HJR-192 and Title 31 of the United States Code Section 5118 ( d ) ( 2 ), and the Fair Debt Practices Act, aka, Consumer Protection Act at 15 U.S. Code 1601 and 1693 from demanding payment in any specific coin or currency of the United States is against public policy. You at Barclays have failed to perform your duty as fiduciary trustee of the account.
The debt in request is a financial asset per Barclays 4249b ) ( 5 ), as the issuer you were obligated to pay the interest on the debt securities, which you send as a billing statement each month. I am the investor/lender, per 12 U.S. Code 1431 - Powers and duties of banks, ( a ) Borrowing money ; issuing bonds and debentures. Barclays did not lend me anything and should be paying me as the investor instead using it as receivables and financial asset to the benefit of the bank.
Failure to rectify this situation compel a complaint with the Securities and Exchange Commission ( SEC ), asserting non-compliance and potential SECURITIES FRAUD and the IRS Criminal Investigation Division ( 3949-A ) for an audit of the off ledger accounting for possible tax evasion.
|
| 08/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I am reaching out after multiple attempts to get Barclays to rectify the fraudulent charges and subsequent issues with my Barclays XXXX XXXX. Fraudulent charges from XXXX XXXXXXXX were charged to my Barclays XXXX XXXX on XXXX XXXX, XXXX and XX/XX/XXXX, each in the amount of {$240.00}. After discovering the fraudulent purchases in my statement, I contacted Barclays who then proceeded to investigate and determined that they were, indeed, fraudulent charges. I requested that they close my account and issue a check to me for the overpayment, as I had already paid off the card balance in full.
I received a check from Barclays in XXXX, XXXX for the overpayment and assumed that my account had been closed as well. Apparently they never closed the account, and instead mailed me a new card ( which I never activated ) and subsequently, a new statement with the same exact fraudulent charge from XX/XX/XXXX included, along with late penalty fees/interest. On XX/XX/XXXX, I spoke extensively with a Barclays rep who assured me the balance would be cleared from the new, unrequested card, and that the account would be closed. Not only was the situation not rectified, the other fraudulent charge from XXXX XXXX reappeared as well after speaking with Barclays.
On XX/XX/XXXX, I spent 3+ hours on the phone and via chat with Barclays trying to get the situation resolved, but they have again failed to resolve the situation, with late penalty fees/interest accruing and likely damaging my credit score.
|
| 04/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX, I awoke at around XXXX to find 2 fraudulent pending charges ( total of {$290.00} ) on my account. I called one of the vendors that was attempting to charge initially to give them a heads up that this was fraudulent activity. They advised to me that " this is a valid charge in our system and the order will be processed '', which was very odd. I told them that I was going to call my bank and they said " your bank will side with us '' and hung up. This is when I knew that they were part of the scam. I called the bank ( barclayscardus ) and advised them of the fraudulent activity. They told me I was all set and would not be responsible for the charges. Fast forward a few weeks and I received a letter that stated the charges were found to be valid. I called and spoke with several people trying to get explanations, but they just kept saying that their fraud investigations team determined these to be valid. I asked for them to provide an IP address from where the orders were made, and they would not provide that. I asked for the evidence that made them determine these to be valid, and they just told me the vendors provided sufficient evidence. I also provided them with a timeline and a dark web scan showing my identity stolen.
These charges were not authorized by me - and I will swear to that under oath. I was sleeping while the transactions were processed, which can be verified by my wife. I need help on how to resolve this as I feel strong armed by this company now.
|
| 08/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
On XX/XX/2022, I received a notification text and email from Barclays ( JetBlue ) credit card about possible fraudulent charges. As soon as I checked and confirmed that the card was not in my possession, I called Barclay 's fraud department and informed them that I did not authorize these charges and that I do not have the card in possession.
One charge was at XXXX for {$310.00}. The second charge was at XXXX XXXX for {$130.00}.
They told me everything was taken care of and they'd issue a new card for me. The charge was removed from the statement. In XXXX, these charges reappeared and I received a statement. I sent all the evidence with a narrative but they can not reverse these charges because I did not report them as " stolen ''. At the time, I wasn't sure whether it was stolen or simply lost. Only after the police investigations, it was confirmed that the card was indeed stolen and used by someone else.
Barclays then wanted me to send them a copy of surveillance footage to prove that it wasn't me who actually used the card. It could not be done because it was still in the invest
igation process. Instead, I sent them the actual police report. The investigator even offered to give a verbal or written testimony to prove that these were fraudulent charges but Barclays did not take any further actions.
Their fraud department can not do anything about it and only the managers can reverse the decision. When I asked to speak with the manager, they told me it could not be done.
|
| 06/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
My name is XXXX XXXX and I own a Barclays Master Credit Card number ending in XXXX.
On XX/XX/XXXX, I received an SMS alert on my number XXXX to approve a transaction from XXXX. I accidentally approved it. After approval, I logged into the mobile app and noticed that this was a fraudulent transaction. Also, there was a transaction from the XXXX store at the same time.
I immediately noticed that I wasnt in possession of the card. I called customer service on XX/XX/XXXX and informed them that all of these transactions were fraudulent. I asked the customer service agent to cancel all of them, including ones from XXXX and XXXX stores, while these transactions still were in a pending state. Subsequently, the customer service agent promised me that all of these transactions will be reversed. Then they closed my card and issued me a new one.
Today, I noticed that the XXXX transaction for {$350.00} was posted to my account. I called customer service about this issue. They responded that they have no record of my card reported as being stolen. They refused to reverse the XXXX transaction or put it on hold until the issue can be resolved.
I would like to have the XXXX transaction for {$350.00} be immediately reversed and the amount credited back to me because it was unauthorized and fraudulent. I informed the Barclays team immediately that it was fraudulent.
I can not afford to pay this amount and I am afraid that if I don't pay this then my credit will be severely impacted.
|
| 06/05/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
On XXXX I called XXXX, after receiving a letter dated XXXX. The purpose of my call was to request my XXXX credit card account be closed immediately. The purpose of their letter was to tell me XXXX was changing credit card companies and would be closing my existing account in the near future and opening a new account for me through Barclays Bank.
In my conversation on XXXX with XXXX, the XXXX customer service representative, I requested my XXXX card be closed immediately and directed that a new card not be issued, because I did not agree with the terms of the new card. Specifically, I was opposed to the interest rate in excess of 25 percent. I was very clear that XXXX and Barclays Bank did not have my authorization to open a new credit card account in my name. XXXX confirmed a new Barclay 's account would not be opened.
In the mail on XXXX, not only did I receive a new credit card from Barclays Bank in my name, but my husband and daughter also received credit cards under the same account.
Unbelievable! As a XXXX XXXX at another banking institution, I am absolutely sure if I were to open an account for a consumer without their knowledge and after they specifically had told me they did not want the account, I would no longer be working for the bank.
XXXX and Barclays Bank opened a new credit card account in my name, without my knowledge, and against my wishes. As a consumer, I view this as fraudulent bank activity and both companies are at fault in allowing this to occur.
|
| 03/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
Older American |
|
I applied for a Jetblue Plus credit card in XXXX of XXXX and was approved. The promotional offer was 60,000 bonus miles which I have never received. I met and exceeded all the requirements for their promotional offer. I contacted the Barclay 's via their banking website used to make payments, view statements, etc. There is a specific link labeled " contact us '' which I used on XX/XX/XXXX and asked for statis of my sign-up bonus. No response to this day. On XX/XX/XXXX I sent second message with same inquiry and again no response even though they state quick response. As of XX/XX/XXXX there has been no response whatsoever. I contacted their phone number for customer service and was advised I to put my request in writing and the address to mail my request was the same address on the reverse of my billing statement. I sent my letter XX/XX/XXXX with added expense of proof of delivery. I did receive a response dated XX/XX/XXXX and I quote " We are currently unable to complete your request '' so in essence they can not honor their promotion. It was suggested that I call the phone number on the back of my credit card which I did and with great effort convinced one of their representatives to open case. I was told within 30 days I would receive a response, I have not. On XX/XX/XXXX I called customer service again and was told my case was still pending and " maybe a few more billing cycles will be needed. I asked him what if I never hear back his response was just wait. Help! Thank you
|
| 12/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Add-on products and services
|
|
Web |
|
|
I was having a cell phone dropped on XX/XX/XXXX, and the screen is shattered, I want to use my uber visa signature card cell phone protection insurance to pay for the repair of {$300.00}.
Upon calling the card customer service I was provide the guide to benefit and phone number to call benefit admin with XXXX, they filed a claim on my behalf and the claim number is XXXX, I submitted my proof to eligible documents which are : phone bill and statements that I paid for these phone bill using my uber credit card for the past whole year.
After 3 weeks I getting a denied says : " According to our records, you claim was denied since the benefit did not go into effect untilXX/XX/XXXX of 2019. '' This cell phone protection benefit was there before and not start from XX/XX/XXXX according to my benefit guide, after that I called multiple times both with Barclay and this insurance company, they kick the ball to each other : Barclay says any claim decision is belong to the insurance company and insurance company says this date is provided by Barclay.
Oh their website of benefit change ( https : //www.barclaycardus.com/apply/action/handleFile? id=ub4ProductChangeFAQ ) the specifically says that : " If you have already set up your total monthly wireless bill to be charged to your Uber Credit Card, you may continue using your cell phone protection benefit without interruption. " This clearly not the case, my eligible claim was interrupted and been denied on both sides to help me forward.
|
| 05/30/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I was recently approved for a Barclays AAviator business card and received the card on XX/XX/2019 with a credit limit of XXXX. As of XX/XX/2019 my transactions were not going through in store. I called Barclays card customer service rep ( XXXX ) and they said Barclays needs my social security card, last years tax return, and drivers license due to " review ''. I asked for why the review occurred and they could not specify why. They told me to fax the 3 documents over. I complained that these 3 documents will cause risk of lose through a use of a public fax machine as I did not have one. They said I can email them the documents @ businesscardsarsmail@barclays.com I attempted to email them today and I received notification of invalid email address.
I'm wondering the reason why to send over these sensitive documents without attempting to call, email, mail or notify me these are required. I do not understand why they would approve my card and then block my purchases starting today? It doesnt make any sense. I have a checking account with them for over 7 years and my credit score is over 800. I XXXX a similar problem and that person filed a complaint and executives were emailed and then they canceled the documents requested.
I just dont understand why I have to send a copy of my Social security card, drivers license, and last years tax return! It's too risky to send via fax.
For reference the login portal for my credit card is aviatorbusinesscard.com and its owned by Barclays.
|
| 12/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
The XXXX XXXX XXXXXXXX XXXX XXXX I have called XXXX times since XX/XX/2022. XXXX XXXX switched banks in XX/XX/2022 and as a result they removed my autopay which I had always used. When I realized it I immediately paid the bill in full on XX/XX/XXXXXXXX XXXX. XXXX XXXX XXXX said they would remove interest and late fee. I had called on XX/XX/XXXX, XX/XX/XXXX. Each time told fees and interest would be removed. Called today, XX/XX/2022 spoke to XXXX XXXX XXXX XXXX XXXX
XXXX stated that the XXXX XXXX error is because they credited the old account ending in XXXX not the new one ending in XXXX. As a result of XXXX XXXXXXXX 's error, I have received XXXX phone calls early in the morning and late in the evening for XXXX in which no one wanted to help me they only wanted me to pay the bill which was made up of only late fees and interest..
My XXXX XXXX with all XXXX agencies has gone down over XXXX points.
I have had to make countless calls to XXXX XXXX and have spent over XXXX XXXX on the phone. Presently, I have been on the phone over XXXX XXXX XXXX XXXX with XXXX XXXX.
I need IMMEDATELY FOR XXXX XXXX TO CONTACT THE XXXX XXXX and remove their errors XXXX. I AM TOLD I HAVE TO WAIT UNTI XX/XX/XXXX for XXXX XXXX TO contact the XXXX XXXX. I WANT MY CREDIT REPORT UPDATED XXXX. I SHOULD NOT HAVE TO WAIT. THEY ARE RUINING MY CREDIT BECAUSE OF THEIR MULTIPLE ERRORS. I WANT MY XXXX XXXX RETURNED TO MY SCORE PRIOR TO OLD XXXX NOT FIXING THIS AND ALLOWING MY XXXX XXXX TO BE AFFECTED!
|
| 11/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I was referred again from a law firm. I noticed the inquiry on XXXX XXXX XXXX the inquiry was from Barclays Bank Delaware. I called XXXX which is the credit reporting I seen it on they told me to call the company because I wanted to dispute it right then and there XXXX would not do this via phone they said I would have to make a formal complaint for dispute which I didn't understand the verbal wording, then gave me a XXXX XXXX and said call the company I then called this particular company Barclays Bank of Delaware in doing so the first representative or customer service rep said oh I see you apply for a credit card didn't give me a specific date but this is what the first rap said I replied no I didn't XXXX I've never had a credit card not with your company or any other company for that matter so then she sounding undetermined and are confused transfer me I then was either talking to a supervisor or a XXXX I asked the same question why are you on my report if I did not apply for any of your services y'all have hindered my credit score by this fraudulent inquiry to a negative XXXX points with my score. the supervisor or XXXX replied well we don't see any account with your particular personal information sir but what I can do is tell you to call back the credit reporting agency and tell them that we don't have no information on you I said I called them first and they told me to call y'all all I'm trying to do is get this rectified still to no avail I am now making a complaint
|
| 10/16/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
My wallet was stolen from my office about XXXX XXXX on XX/XX/2023. A police officer came and made a report about XXXX minutes later. Once the police left, I immediately notified all of my credit cards. Upon talking to my Old Navy Credit Card, sponsored by Barclay 's, I was informed someone had just made a puchase for {$44.00} at a mall about 15 minutes away. I was told it would go into review and the charge would be removed from my account.
On XX/XX/XXXX, I received a letter saying that because chip card technology was used it must have been in my possession and the charge was valid and being put back on my account.
At that point I called the number on the letter and was given an ID number, case number, and an address to send by regular mail a letter and a copy of the police report. They did not give any option to submit electronically. So, I immediately put a letter with the police report in the mail as directed.
I just received a letter dated XX/XX/XXXX stating that because I did not provide proof, they are reinstating the charge plus interest.
I called today and was told their system wasn't working and they can't help me, I should call back some other time.
I have to paperwork to prove the card was not in my possession at the time. It's very easy for them to state they didn't receive if my only option is snail mail. This is bad business to not respond to customers, and to not give us a way that proves we sent our proof. How is this legal? I would like my refund.
|
| 03/31/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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|
On XX/XX/2022 I sent Barclays a negotiable instrument ( postal money order ) as a tender of payment in accord and satisfaction to settle the account balance for my accounts ( U.C.C. 3-603 / U.C.C. 3-311 ). The postal money order had a conspicuous statement written on it notifying Barclays of the negotiated contract that I, as a consumer, have a right to exercise. Barclays accepted and cashed the money order. However, they failed to satisfy the account. In return, I mailed over a notice of demand on XX/XX/2022 to inform Barclays that my account needed to be fully satisfied as well as reported to the credit bureaus without penalty that the account is in full satisfaction. I received an email on XXXX 2022 that an investigation was opened. I did not request an investigation. However, I have not heard back from Barclays regarding my payment. The default rule under contract law for determining the time at which an offer is accepted states that an offer is considered accepted at the time that the acceptance is communicated. I have tried resolving the issue with Barclays via letter, mail and phone. I was told that someone would reach out to me since the agent did not have knowledge of my payment. I believe the ignorance of the agents regarding the law is the reason why my issue has not been resolved. I have been penalized due to Barclays reporting to the CRA that I have late payments on an account that has already been fully satisfied as well as have a balance remain on the account.
|
| 07/18/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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On XX/XX/2023 a payment deducted from my bank account for {$860.00}, which was the f balance owed on my Barclays Old Navyist card. I called to have the payment returned to my account as I was only trying to pay {$86.00}, the minimum payment.
My bank declined the first transaction and Barclays assured me they had returned the payment. The payment was returned however in the course the {$860.00} being returned, a day later Barclays made a second attempt and still ended up collecting the {$860.00} from my bank account.
I went back and forth with the company to try and explain the amount was not in my bank and sent them verification from my bank. After not getting anywhere with XXXX 's I submitted a dispute with my bank and the amount of was returned.
However, in the course of this, Barclays is now showing my account balance of {$1800.00}. Of which I have not spend. My original credit limit was for {$900.00} and was dropped to {$250.00}. I have not spent this amount on the card.
I called Barclay 's again in XX/XX/2023 to dispute this and they have yet to resolve the issue.
It appears they have charged my account for the returned payment and stated it was purchases, which is not true. It has now begun to affect my credit.
The statements attached in XXXX show no purchases. The XXXX statement shows a purchase for {$860.00} with the caption of unknown authorized user. No purchases and no explanation has been given by them nor are they willing to look into my complaint.
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| 09/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
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I was booking a trip on XXXXXXXX on XX/XX/2020 and saw a banner advertisement for a XXXX XXXX Mastercard through Barclays, offering XXXX reward points, {$100.00} credit, and 0 % apr for the first year. When I clicked on the advertisement, it took me directly to the application page for the card, I went off what I saw on the banner as there was no landing page describing the terms of the card. The main reason I wanted to get the card was because of the 0 % apr for a year.
I used the card to book the trip, received the XXXX reward points, and {$100.00} credit. For my first bill, to my surprise there is an interest fee, which I called Barclays about, and they waived it. They told me to check the terms of the card, which I saved the copy that was mailed, and in it, it states that I have 0 % interest for 12 billing cycles for balance transfers. I asked them, why would I get a card for a trip that I'm booking for a balance transfer? That makes no sense.
When I signed up for the card the banner advertisement said 0 % apr, which I thought was for purchases, I had no concerns or needs for a balance transfer when I'm booking a trip. They now have a landing page for the XXXX card that states the 0 % is only for balance transfers. This was not there at the time I signed up for the card. The banner advertisement I used to decide to sign up for the card was totally misleading as it did not state the 0 % apr was only for balance transfers, and that is why I am filing this complaint.
|
| 04/24/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
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Our credit card was taken while we were on vacation in XXXX and ran for a fraudulent amount. The receipt that was turned in to XXXX was an obvious forgery. We have provided XXXX with documentation showing that it is not our signature. Immediately after noticing the amount on our statement on the evening it was stolen we cancelled our card for fraud. XXXX refuses to help us locate the merchant, a bill of sale, an address, or even a phone number for the person who stole from us, they will not tell us what was allegedly purchased at a gas station for exactly XXXX pesos. The receipt provided to them by the thief has " duplicado '' ( duplicate ) written on it which shows it is not an original receipt and is indeed a reprint that they forged during the dispute process. We were charged XXXX pesos ( {$640.00} ) a nd we 100 % did not authorize this sale, nor do we know what we supposedly purchased. We believe this occurred at a gas station in XXXX where the attendant took our card, ran it for the fraudulent amount, and then told us the machine was broken. He then forged my name when XXXX called asking for the receipt. XXXX has stopped returning our calls and answering our letters, they refuse to open the case again even after sending multiple certified letters and notarized faxes. We feel like we have been robbed twice, once by the attendant in XXXX and once again by XXXX . Please help. References ( a common scam in XXXX ) : http : XXXX https : XXXX
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| 03/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American, Servicemember |
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The following informations apply : Purchases made total {$2300.00} Fees charged {$270.00} Interest charged {$220.00} Credit given {$110.00} Payments made {$710.00} ( breakdown {$170.00} and {$360.00} taken from XXXX, XXXX XXXX XXXX XXXX account {$120.00} and {$62.00} taken from Hawaii XXXX XXXX Payment made to Barclays were unauthorized because I did not authorize the payments. Inquiry from XXXX, someone from Barclays could have solicited the account and routing number for payment. The reason for not paying was no statement received. Barclays claimed I signed for paperless and statement sent via email but not a single email was received. Barclays sent me 4 sets of statements in 4 envelopes of different dates on XX/XX/2022 after making complain. There were 3 accounts involved ending in XXXX and XXXX which I am not fully aware of and Barclays claimed due to cards lost and fraudulent transactions. I have talked to several Barclays personnel to name like on XXXX XX/XX/2022, XXXX XXXX, XXXX XXXX, XXXX, XXXX ( security dept ) XXXX and XXXX XXXX. On XXXX XXXX I talked to XXXX XXXX with ID no. XXXX and a manager by the name of XXXX in XXXX XXXX, I believed XXXX XXXX, Nevada for this problem to be solved. Please be informed that all of the times were all military time cause it is easier to tell if am or pm and I am a retired military. I proposed to the manager I am willing to pay in full everything I owe to resolve but I was disappointed. The phone no. I called was XXXX XXXX XXXX.
|
| 10/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
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Barclays XXXX XXXX XXXX has implemented a fix company policy where it manipulates the amount of revenue the company can generate in card fees by developing a systemic policy that refuses to let card holders downgrade their card to one with a lesser fee when usage has been modified even after the Barclays company reduces the credit line on their own accord, ensuring that Barclays can continue to generate a significant amount of revenue by charging the same cardholder fees to the holder even if Barclays elects to reduce the card holder credit lines both negatively affecting the card holder 's credit rating by decreasing their line of credit and charging the cardholders more fees for less services. I have contacted Barclays every 3 months for 26 months and requested that I be allowed to revert my card back to the original card with a {$99.00} fee and have been told " I am sorry sir, that offer is not available for you at this time. '' When I questioned the representative further they stated that they have never seen that " offer '' available to anyone at anytime since they worked there. Instead of allowing you to downgrade your card, Barclays tries to enforce a fixed policy where you have to reapply for a " new card '' and take an additional negative impact on your credit score, when you already have an open and available line of credit, in an unscrupulous business practice that ensures the company a set amount of generate income at the detriment to consumers credit scores.
|
| 03/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
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Web |
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Barclays reported to the Credit Reporting Agencies that my father was deceased ( he's alive ).
As a result, my father ( whom I have a power of attorney for ) had another credit card close his account causing direct consumer harm.
Barclays has received no information indicating my father passed away, and has directly violated FCRA and UDAAP.
I have called Barclays, and each time their office seems to have limited understanding/knowledge, and has not been able to provide any information. I have been transferred to a voice message. Each phone call is spent confirming PII for customer verification, blind transfers where I am forced to repeat all of the same information.
Barclays requested speaking with my father, and I advised them I am handling his business. Barclays further insisted on speaking with my father, and I advised the point of a POA is so I can handle his business for him. I resent the POA to Barclays twice.
When I called XX/XX/XXXX, I was transferred to Barclays outsourced ( XXXX office ). I advised them that my father is not dead and asked what is being reported to the CRA 's.
I was advised they would investigate and determine in 7-10 days. I asked how I would be advised of the resolution, and I was told I could call back.
Additionally, I advised that a payment was sent in XX/XX/XXXX or XX/XX/XXXX and advised that I have not received any further bills. I asked how I could be provided, and no indication that I should anticipate receiving anything.
|
| 10/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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Dear Sir/Madam, I am writing to formally dispute certain information on my credit report that I believe resulted from identity theft, as well as a charge-off entry that inaccurately represents the current status of my account. I am seeking resolution in accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ).
As a victim of identity theft, it is crucial that I take immediate action to protect my credit and personal information. I have identified certain information in my credit file that I believe is a result of this identity theft. Pursuant to 15 U.S. Code 1681c2, I request that you block the reporting of any information in my file that resulted from this identity theft.
I kindly request that you promptly initiate the blocking process within four business days of receiving this dispute. The specific information that I believe resulted from the identity theft includes fraudulent accounts, unauthorized inquiries, and incorrect personal information.
In addition to the identity theft dispute, I also dispute the charge-off entry related to the following account : Account Name : BARCLAYS BANK DELAWARE Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXXXXXX Status : Account charged off. {$5100.00} written off. {$6500.00} past due as of XX/XX/XXXX.
Status Updated : XX/XX/XXXXXXXX Balance : {$6500.00} Balance Updated : XX/XX/XXXXXXXX Original Balance : {$3800.00} Highest Balance : {$6500.00}
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| 09/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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The issue is that this debt collection company, XXXX XXXX XXXX XXXX XXXX, is attempting to collect a debt on a credit card that resulted from an identity theft. As shown on the credit report, the original creditor was stated as Barclays Bank Delaware. I contacted Barclays Bank Delaware and informed them the account or card is not mine because I've been an identity theft victim, and the report is not mine. They should close whatever budget is under my name, remove my information from their records, and delete the entire history because it's not mine. Barclays Bank Delaware representative asked for an FTC report, which I drafted and sent to them. They told me they would immediately close and remove the account from the credit bureau, and I don't have to worry about this account again. However, now it continuously reports, and I keep getting harassed by a collection agency attempting to collect a debt on a credit card that was opened through identity theft. I informed them that the account or credit card originating from Barclays Bank Delaware was not mine. They needed to stop attempting to collect a debt under a fraudulent account because it was against the law. However, they refuse to understand and continuously harass me by claiming that this account belongs to me. The report is not mine ; the debt collection is not mine. This fraudulent account was supposed to be removed from the records long ago because it resulted from identity theft, and they refused to remove it.
|
| 07/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of XXXX we didn't get it XXXX doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they XXXX can't confirm my identity XXXX to get away with taking no actions on my credit report. Please investigate this as well.
|
| 03/31/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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I have disputed a series of charges. The following are the amounts disputed along with their case ID numbers.
{$1.00} XXXX {$4.00} XXXX {$51.00} XXXX I spoke to XXXX from XXXX who has an ID of XXXX. XXXX promised me on XX/XX/21 at XXXX XXXX CST by calling me from the number XXXX. He said that I would see a temporary credit within 3-4 business days. I also would not be expected to pay any interest on these charges while they were being disputed. He also stated that I didn't have to pay a payment on XX/XX/21 because my current statement balance only has these three temporary credits. I sent myself an email with these details immediately after the phone call in order to document this communication.
Barclays failed to keep their promises to me. They failed to provide a temporary credit to me in the promised amount of time. They also failed to keep interest charges on the disputed amount from being added. I have enclosed a picture of my current balance, which shows that there was a {$0.00} interest charge added after my phone call. This was interest on the disputed amount. It was added despite the fact that I went above and beyond what was expected of me by paying my statement balance on time, even though it included the disputed amount and XXXX told me that I didn't have to pay it. I am attaching my recent card statement to demonstrate that I paid the statement balance.
I spoke to a front line customer service representative on XX/XX/21 who refused to fix my issue.
|
| 03/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Older American |
|
Barclays Jetblue Master Card sent me a notification on XX/XX/XXXX requesting account information. they determined that they needed to collect additional information for their files. they requested a copy of my drivers lic, my social security card and an electric, gas or bank statement. They went on to say if they don't receive this information within 30 days my account will be blocked. Seven days after receiving this letter I sent the information by faxing it over to them. I faxed this information on XXXX XXXX at XXXX XXXX. There station Id no was XXXX and results were ok sent. XX/XX/XXXX I received another letter stating that my account has been blocked. I than placed a call to Barclays and was told that they never received the information that they requested. I resent the information again on XX/XX/XXXX at XXXX XXXX Again to the same station Id XXXX.
Since Than I have been calling and spending countless hours on the phone with them. They did advise me that they have the information needed and it will take 24 to 48 hrs to unblock the account. Well, this has been going on since XX/XX/XXXX. I Tried again today XX/XX/XXXX and was told the same thing that It will take 2 days to unblock. I have done everything that they requested to no avail. At this point I am being transferred from agent to agent that does nothing. I fly JetBlue frequently and use the card for that reason Can you please help me with getting this issue resolved.
Thank you XXXX XXXX XXXX XXXX XXXX XXXX
|
| 02/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
My problem is with a Frontier Airlines MasterCard. On XX/XX/XXXX I noticed charges for {$850.00} from XXXX XXXX and a charge for {$53.00} from XXXX XXXX XXXX. on my card statement online I check my account everyday. I immediately contacted the credit card company to report these as fraudulent charges. They said they would investigate. Today, XX/XX/XXXX the charges were again posted to my account. I again immediately contacted my credit card company. They said the charges were correct. They had proof that I had made the purchases. I explained that this was simply not true. I wanted to know what proof they had They said these were tickets purchased that were send to me with my name and mailing address, This is a complete lie. I never received any tickets, as I did not make the purchase. When I ask them to verify the name and address they were sent to, they would not do this. I have filed a police report and again disputed this charge. I contacted XXXX and put a fraud alert on all of my credit accounts. This issue needs to be resolved I did not make these charges. I was told to contact the merchant, but this is impossible, because when I call them they want an order number, which I do not have Or then they want my email address, which they say does not match anything on their records. Then they want my zip code, which again they say does not match So what I want to know is what proof does my credit card company have, I do not plan on paying for these fraudulent charges.
|
| 11/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
Since XX/XX/2020, I have been attempting in vain to arrange for a payment plan on my account since I was adversely affected by Covid-19. I was laid off from work and could not pay my bill. I received a notice from XXXX XXXX XXXX that my account was in collections. I was informed that I would have to call back to arrange for a payment plan since a supervisor was not available. Since that time, I have called both XXXX and Barclay 's approximately 7 times to try to get this matter resolved. On XX/XX/2020, I was informed by XXXX XXXX of XXXX that Barclay 's had reclaimed the account as of XX/XX/2020 and that I would have to call back since he could not accept a payment from me. I also called Barclay 's on XX/XX/2020 and spoke with XXXX ( # XXXX ) and account manager XXXX, both of whom told me they could not accept a payment from me since it was being " charged off. '' On XX/XX/2020, I called and spoke with the Collections Department who also told me to " check back '' because my account had not yet been assigned to another collection agency. On XX/XX/2020, I called and spoke with XXXX XXXX who told me the same thing. There was a TV blaring in the background. On XX/XX/2020, I spoke with XXXX of the " Back Line Department '' and he told me the same thing. During this entire time, late fees are accruing, interest is accruing, and I am being negatively reported to the credit bureau. All I want to do is get on a payment plan and get back on track since I am now working again.
|
| 03/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
Re : XXXX XXXX Restuarant week promotion sponsored by Mastercard from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX The complaint is in regards to a promotion that was sponsored and advertised by Mastercard on XXXX Government and various other websites.
https : XXXXweek Special promotion for Mastercard holders XXXX get {$10.00} back when you spend {$45.00} or more in a single transaction during XXXX Restaurant Week. To participate, enroll any eligible Mastercard to receive a {$10.00} statement credit. Takeout and delivery are not eligible for the promotion.
ALL the requirements have been met and I have yet to receive my {$10.00} credit I have tried calling numerous times as well as spoken to Barclays ( the servicing Bank ) and Priceless multiple times to no avail.
None of the agents knew what I was talking about in regards to any promotion ( 14 documented calls ).
So, one of two things occurred : - The advertising on the various websites is fraudulent OR - Mastercard is not honoring ( or is even aware ) of the promotion which is very concerning and could be potentially widespread impacting numerous consumers.
Getting this issue resolved or even having Mastercard actually know about the promotion has been extremely frustrating to say the least!!
I was provided a complaint # XXXX and and to date have not received a response.
Followed up with an e-mail to XXXX ( as provided by the promo offer ) on XX/XX/ and have not received a response from Mastercard or Priceless.
|
| 12/29/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Barclay took over credit from XXXX for the XXXX XXXX XXXX. Barclay issued a new card that I never activated ( ending in XXXX ). I received a bill for what they said was a balance transfer to that card. I pay all of my credit cards in full each month, and I have never done a balance transfer. After hours of trying to get this corrected/removed over the phone, they put the dispute into " investigation ''. They could never supply any documentation to support a " balance transfer '' done by me. On XX/XX/XXXX, Barclay confirmed in a letter to me that the fraud investigation had been completed, and they had determined that I was NOT responsible for the fraudulent activity. Then, they opened another account in my name ( ending on XXXX ) and transferred the previously disputed balance to it ( the balance they had already confirmed " fraudulent '' in writing ). Then, in another letter on XX/XX/XXXX, they claimed that the activity was valid because they did not receive the requested documentation to support my claim.????? Now, after another hour on the phone with them on XX/XX/XXXX, they are sending me statements ( period XX/XX/XXXX - XX/XX/XXXX ) with late fees and finance charges, and I must assume they are damaging my impeccable credit score in the process. This is despicable, and I do not know what to do or who to turn to for help/remedy. I read Barclay 's reviews on-line ( 1 out of 5 stars with over 400 reviews ), and many people are experiencing this same frustration.
|
| 08/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
My XXXX I have had for 3 plus years and have never ever ever missed a payment and always paid in time. I have never asked for extensions and I always pay a little more than minimum due. My credit limit was {$8900.00}, which I have never been close to reaching and Barclaycard automatically went ahead and dropped it to {$6100.00}. Now they have hurt my credit report by showing my credit usage has gone extremely up and I feel that is very shady and uncalled for being that I am a long term customer and have been loyal and paid my bill on time every single month. Now my credit report is affected. I have no unpaid debts, EVERY SINGLE one of my credit cards or store cards are paid on every single month. I have a very steady job no gaps in that, no bankruptcy, no payday loans, no outstanding doctor bills even and this company does this to me. I feel this is very very wrong and at the least they should move it back to the {$8900.00} as they are causing harm to my credit report. I have reached out to them and got no response, I would like this fixed. I have attached my information from my credit report showing I am in very good standing with this company AND even shows I have never been late and pay my bills. Once this is reported in XXXX by Barclaycard they will have done major impact to my credit report and score and that is not right at all. I am at no risk not paying my bills and never have. My own bank account is never in the negative either!! This is not right at all
|
| 12/21/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I applied for the XXXX XXXX issued by Barclays online on approximately XXXX XXXX, XXXX. My account was issued and opened on XXXX/XXXX/XXXX. Based on the information advertised online I was to receive XXXX bonus points after spending {$1000.00} on credit card charges within the first 90 days of the card being issued. I only received XXXX bonus points. I have made two calls to customer service this past week and was informed I will only receive XXXX. I stated to the reps. that is not the program and benefits being advertised on the XXXX/Barclays credit card site and the company is deceiving customers. None of the reps have been able to rectify the issue. I called on XXXX, XXXX XXXX, XXXX and XXXX, XXXX XXXX, XXXX. I was transferred to various reps who said they could help me and to no avail. On XXXX XXXX, XXXX, I was transferred to a manager who said she would call me back and no return phone call.
The second reason I applied for the XXXX card was the advertised interest rates. The lowest interest rate was advertised at 12.99 %, 20.99 and last tier 25.99 %. I have excellent credit anywhere from XXXX to XXXX 's credit score. I was issued 20.99 % interest. After calling back after receiving card, I was never given a reason why I was issued 20.99 % interest rate given my great credit score. No rep would give me a diffinitve reason of my interest rate. Only, well your a new customer!
Please research Barclays and put a stop to false advertising for this credit card!
|
| 07/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
|
A charge appeared on my CC ( American Airlines Advantage ) that was made on XX/XX/XXXX at a restaurant that I did not go to. I disputed the charge and they removed it. I then received a letter telling me that they were reversing the charge because " I had to use it because of the chip technology ''. I asked them to show me the receipt with my signature and have not received a reply. I have been trying to dispute this since XXXX.
I sent another email yesterday to Raising Concerns @ Barclays : I've been trying to dispute a charge on my CC since I received my payment in XXXX.
I have received another letter telling me that " I had to have possession of my card due to chip technology ''. I don't know how many times I need to say this ; I DID NOT USE MY CARD!!!
I have repeatedly asked for evidence of my signature on this charge and have yet to receive this.
If someone would bother to look at my payment history, you would see that I do not report issues unless I've been scammed!!!
This is getting ridiculous. This is the second time that I have received a letter like this. There is no point talking to the Fraud Department or Customer Service as they either do understand English very well or are just incompetent.
There is no investigation because he one is responding to my concerns. Again, where is my signature on this bill from XXXX XXXX.
I have been in contact with the XXXX and will now follow a complaint with FCC and Consumer Financial Protection Bureau.
|
| 09/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I have contacted the credit card company numerous times to please note that they are not accurately reporting my actual account and that they have duplicated accounts on my reports. This is impacting me severely as i am now in several job interviews and that question comes up that you have two accounts with the same company and one is satisfied and the other is shown as derogatory and they are for the same accounts. Please see the following : ECOA / WHOSE B / B BARCLAYSBK XXXX***** ACCT TYPE REV REPORTED XX/XX/XXXX HI CREDIT {$5400.00} PAYMENT {$0.00} 30 2 60 1 90+ 5 PAID CHGOFF SOURCE XXXX/XXXX/XXXX TERM - OPENED XX/XX/XXXX BALANCE {$0.00} PAST DUE {$0.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX MO REV 62 LAST LATE XX/XX/XXXX DLA XX/XX/XXXX CONSUMER DISPUTES AFTER RESOLUTION ; ACCOUNT PAID FOR LESS THAN FULL BALANCE ; PAID CHARGE OFF ; SUBSCRIBER REPORTS DISPUTE RESOLVED-CONSUMER DISAGREES EXPLANATION : OUTCOME : 005 ECOA / WHOSE B / B BARCLAYSBK XXXX***** ACCT TYPE REV REPORTED XX/XX/XXXX HI CREDIT {$5000.00} PAYMENT {$0.00} 30 1 60 1 90+ 4 CHARGE OFF SOURCE XXXX/XXXX/XXXX TERM - OPENED XX/XX/XXXX BALANCE {$0.00} PAST DUE {$0.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX MO REV 99 LAST LATE XX/XX/XXXX DLA XX/XX/XXXX CONSUMER DISPUTES THIS ACCOUNT INFORMATION ; CONSUMER DISPUTES AFTER RESOLUTION ; CHARGED OFF ACCOUNT ; TRANSFER/SOLD ; SUBSCRIBER REPORTS DISPUTE RESOLVED-CONSUMER DISAGREES
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| 01/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I initiated a dispute on XX/XX/XXXX regarding a charge of {$890.00} for a Two-Day tour for me and my XXXX year old daughter in XXXX. I paid for this tour with the XXXX XXXX. I also paid for my flight tickets with the same card. I booked the fights for XX/XX/XXXX.
I booked the tour for XX/XX/XXXX, but made a reservation on XX/XX/XXXX. When I received a ticket voucher with a date of XX/XX/XXXX, I thought it was a date when I made a booking. I contacted the XXXX XXXX on XX/XX/XXXX and specified that I am interested in the tours after XX/XX/XXXX.
It turns out to be that on the voucher, was an actual date of the tour. However, I never booked the tour for that date. I also never received any communication from the XXXX XXXX informing me that I missed it.
The Billing Dispute Department did not offer my any assistance and basically informed me that the charge was valid. I disagreed with that decision. The Billing Dispute reopened my claim after I provided the additional information. And once again I received the same response : the charge is valid. I can only deduce from this transactions that the department even did not review the additional documents I sent. When I tried to get in touch with the manager, they told me the manager was unavailable and will get in touch with me. The manager left me a voice mail and when I tried to reach her, I spent 30 minutes on the phone and still was unable to talk to her.
I have never dealt with such a poor customer service.
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| 07/17/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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On or around XX/XX/2019, I reached out to XXXX XXXX XXXX at Barclay Card, EXT XXXX regarding making a settlement to my XXXX Visa Card issued by Barclay. I was told I would be called back by Friday, which I never was. I call another person in the internal collection department, who told me they would need to verify which department my account belonged to, and it could take two weeks. Well over a month later, on XX/XX/XXXX, I called because I received neither a letter, phone call or email from Barclay Card. I reached someone today who told me my voicemails may not of been responded to, because I didn't include enough information in the voicemail beyond my phone number. While the agent ( who was actually a manager ), did not seem very apologetic, she informed me that this missing information is why I was not called back, however it does not say in the voicemail what needs to be left. I asked about a settlement offer and was given an amount and percentage, which worked out to be {$760.00}. I was told I would only have 90 days to pay it, which is not enough given my current financial situation. I asked about paying the balance to have the account deleted and was told this was against " fair credit reporting laws ''. The FCRA does not prohibit deletion as I'm sure the CFPB already knows. I actually searched online and found numerous cases of Barclay Card removing tradelines. Paid for charge offs report the same as unpaid, so it would be of no benefit to me to pay it.
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| 08/18/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On my XX/XX/XXXX bill there was a charge for XXXX dollars from XXXX XXXX which i did not authorize, I called the XXXX XXXX who handles my XXXX reward card since I did not know who XXXX XXXX was, i was told that XXXX XXXX was billing on behalf of XXXX a company that i purchased a year long XXXX coverage I attempted to call XXXX XXXX with no success so I had a three way call with the bank and XXXX XXXX since they were able to get thru to them where I was not. I was told by the bank that I had to contact XXXX which has no phone number only a live chat which went around in circles since no one on the chat could resolve the problem I was told I would be contacted via email which never happened. I recieved a letter from the bank that stated they needed my permission to consider it fraud and they would send me a new card, I sent that back. My XX/XX/XXXX bill arrived and the charge was still on it so I called them again. They said they were still investigating this charge. They are now sending me a no charge credit card, Today I got a call from the bank, the dispute department, they have no info, issued a new claim number and they now want me to send them some screen shots my brother took. This has caused me hours and hours of my time, some time on my brothers part and a lot of frustration. I feel that they are putting undue pressure on me to pay this fraudulent charge by making it time prohibitive for me to continue to persue this issue. This is the very short version
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| 01/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Below is the letter my attorney mailed to Barclays Bank of Delaware. I have received no response or consideration of my letter/complaint/request.
Mr. XXXX XXXX XXXX has requested that this office contact you concerning his referenced account. We understand that Mr. XXXX has not used that card at all since at least XXXX, XXXX. However, on Friday, XX/XX/XXXX he discovered through his credit monitoring service that he had been charged a membership fee of which he was unaware and that his payment was delinquent. Mr. XXXX reports that he never received a statement containing that charge and only became aware of it when it appeared on his monitoring service as a late payment. At that time, he immediately called and made that payment in full by telephone on that same date.
As Mr. XXXX had not used this card for almost two years, he was not expecting to make any payments. However, he has never been late with any payments in the past and is a loyal customer. In addition, this issue has had a severe adverse effect on his credit score.
The foregoing premises considered. Mr. XXXX requests that you rescind this late payment charge and delete the late payment entry from his credit report with any credit reporting agency to which you report. Please confirm to Mr. XXXX directly in writing at the cc address below within ten ( 10 ) business days of the date hereof that you have done so.
Thank you for your prompt attention to this matter, and your courtesy in this regard.
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| 01/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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On my way back from my trip to The XXXX XXXX, I applied for the XXXX card on XX/XX/2021 while on the plane. The staff member was passing out applications. I had heard many good things about it and since I wanted to keep traveling I felt like it was something I needed. I got a letter in the mail saying I got approved about 3 weeks later. The was the last letter I ever received. In the last 6 months I didnt receive a card, no mail, a XXXX $ charge, ( which doesnt make sense if I never received the card ). I have called Barclays Bank to resolve this issue and they cant locate this account anywhere, and it still shows on my credit file. I have submitted XXXX disputes to close this account on XX/XX/XXXX and XX/XX/2021 because Im sure someone did some type of fraud with my information. This account shows as open on my credit file with great payment history but I havent made any payments since I have no access to it. An account number was never provided, no info was ever provided. They keep sending me emails that I have to make payments for an account that cant be located in their system and was charged XXXX $ without me ever receiving a card. I have called Barclays more than 10 times in the last 6 months and nothing has been resolved. I have good credit that I worked very hard to build and I dont want this to ruin it. I dont understand how it can appear in my credit file but yet they cant locate it with my Social Security XXXX or any of my information. Please help.
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| 08/28/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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On XX/XX/XXXX I purchased 4 roundtrip tickets to XXXX XXXX set to leave from XXXX XXXX XX/XX/XXXX from XXXX. Due to my husband being XXXX XXXX military, his command canceled his leave due to the coronavirus end of XXXX early XXXX.
I requested a refund, which XXXX said I could either get a credit or partial refund. Over the next few months, I called and was on hold for 2 hours before a rep answered just to tell me he couldn't help me. XXXX said it would take 3 months for the refund. So far, it's been almost 6 months. Not only was travel pretty much shut down during this time due to the coronavirus, I kept getting notifications from XXXX about my flights being canceled, so either way, they should pay me back my {$2700.00}.
I knew they weren't going to help me because every reply was a generic, computer generated reply. I contacted Barclay to dispute the charge. The sent me a letter saying that they decided in favor of XXXX, without any explanation or proof. I replied with more documentation that showed that they had promised I would get a refund. Barclay then sends a letter saying that they " can't find a transaction from XXXX ''. I then went online to print out my statement with the XXXX charge, I circled it, and I faxed it back to them AND mailed them the hard copy. This has been over a month, and I have not heard anything back.
Barclay has been allowing merchants to take advantage of their customers by not providing the consumer protection they advertise.
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| 06/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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On XX/XX/2019 I called barclaycard to open a line of credit. My intentions with this line of credit was to transfer an existing Barclay balance onto this new card with a 0 % APR. I was very specific about my intentions and verbally stated them multiple times to multiple agents on the phone. Upon hearing my request the agent offered to open me a card. I told her I would only open the account with the pre mentioned stipulation ( the balance transfer ) as a guarantee. It was at this time the agent fraudulently opened the card in my name. Only after my credit was pulled and everything was finalized was I told Barclay does not even consider transferring balances from an existing barclaycard to a new one. They knew this as fact, and in a predatory manner, manipulated me into opening this account anyway. I immediately demanded a supervisor review the recorded phone call of my application and reverse all actions made. I was told the call would be immediately reviewed and I would be contacted back within 24 to 48 hours. After waiting an entire week to hear back from some sort of supervisor within their company, I was finally contacted and notified that they do not listen to recorded phone calls of applications, nor would they be able to do anything about the fraudulent account being opened. This is a predatory and manipulative process that they are putting people through. I can't see how it is legally possible for them to continue to do business the way that they are.
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| 05/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/XXXX, I observed an authorized several hard inquiries on my credit report listed below and have contacted the company via phone. I was informed that a dispute has to be done in order for the unauthorized inquiries to be removed form XXXX, XXXX and XXXX. The first hard inquiry observed was from XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX in XXXX XXXX, XXXX, XXXX on XX/XX/XXXX. In XXXX and XX/XX/XXXX and also two hard inquiries from XXXX XXXX and XXXX XXXX. Which I did not authorized. After recent research, data breach information that was compromised and also several security measures that was added on my credit reports for precaution after being a victim. This has made my credit score tremendously decrease and also was not authorized by me. A few years ago my email, where I was employed, my address and passwords/ PIN numbers I had used for apps and credit cards were compromised. Once learned I had placed a security feature on my credit report which can be verified by all 3 credit bureaus. This security feature only last for a few months and the request process has to be done all over again. I am requesting for these creditors/ hard inquiries to be permently removed from my credit report account and all unauthorized charges are dismissed. Attached below are the amounts and the creditor listed on my report. Also attached is proof of my email, address and certain passwords/ pins that were used for majority of my bank accounts.
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| 05/26/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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I have submitted so many complaints to you about my problems with this company they have made both you and I promises which they never kept. I have attached the most recent one you handled with them. I would have filed a complaint with the XXXX but from my research they already have over 1400 complaints filed with them with about the same things stated that I have said to you. The reason I am writing you today is because of what they reflected to the credit reporting agencies and its effect it had on me. I had applied for a bill consolidation loan it would have allowed me to not only pay this company off but also to catch up on my overdue medical bills and continue to get the needed urgeant medical care I needed. At the time I applied for the loan my credit score was XXXX which was good enough for the loan to go thru all the paperwork was submitted and the loan was going to be approved untill Barclaycard reported my account as late and past due i was informed by the loan company I no longer could get the needed money now with this being the only negative mark on my credit report it did talke and make a large impact on my score it fell from XXXX to XXXX because of barclaycard actions they have now caused extreame and great hardship on me.This company is out of control and someone needs to do something to stop them from actions such as this. By doing what they did they have decided what my future health will be I dont know what to do now. They should be sued.
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| 09/18/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Opened credit card account with Barclay Delaware Bank to use for a Carnival Cruise. Was approved and they stated they mailed a card to my address, however, after a few weeks I never received a card and received an email from them showing a balance on the account. I immediately called them and reported I had not received a card and reported this as fraud, they stated they would investigate and send a new card. I received a new card but chose not to activate it, I received another email with a increased balance on the card. Called them again, stated they were still investigating. I ask them to close the account because I decided I did not want to deal with them and all the issues with the card. They stated they would close the account. I received a letter in the mail stating that the charges were verified to be fraud and I was not responsible for the charges. I assumed the card was closed and all was good. However, they have now reported this to the credit bureaus as I am delinquent on the account. I have contacted them several times to get this resolved but all they tell me is to wait 30 days and they will have it fixed. It never gets fixed. I disputed the credit bureaus and received letters from Barclay then stating it was being reported correctly and would not be taken off my report. I did not make these charges ; I live in Tennessee and these charges are in Indiana. I was going to hire an attorney but was told to contact you first. Thank you for your help.
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| 06/05/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
Older American, Servicemember |
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Barclays promised XXXXXXXX XXXX XXXX so I applied in late XXXX receiving the application on a FRONTIER flight. They awarded me an XXXX XXXX XXXX but did not give me the free miles. I have the XXXX XXXX but wanted a Frontier airlines card. I applied to Frontier again on a subsequent Frontier flight and this time was awarded the Frontier card. ( I travel to OHIO to visit my XXXX XXXX XXXX mom XXXX times a year ) They again promised the XXXX miles but never gave it to me. XXXX. ) XXXX XXXX The first card said it was because I did the pay the yearly fee. I tried to pay the yearly fee but they waived the fee so I was unable to pay it. I tried the contact them on several occasions from late XXXX until now. XXXX. ) FRONTIER CARD. In the meantime, the Frontier card came in the mail. I followed the instructions as told to me, but did not get the miles. Both times I was promised XXXX free miles ( value of {$600.00} for each airline ) and told I had to perform the following to get it. I had to XXXX. Pay the Yearly fee and B. Use the card in the first XXXX days. Both of those things I attempted to do for XXXX and did do for Frontier.
In XXXX of XXXX, I contacted my attorney at XXXX XXXX ( XXXX ) and he sent them a letter. In response to the letter, they set up a power of attorney. I never asked for that. Now I don't even get my statements. They go to XXXX XXXX which is my legal shield attorney. He sugessted that I contact you. Please help me. XXXX XXXX ( XXXX ) XXXX.
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| 11/01/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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Between the dates of XX/XX/XXXX and XX/XX/XXXX, My Barclay XXXX Rewards card was used for unauthorized purchases. The credit card was taken from me without my knowledge. Prior to these charges, the card had not been used since XX/XX/XXXX. The card was take without my knowledge or agreement by a minor living in the same residence as me. I disputed these charges with Barclay within the 30 days, of them being billed. It was only after a received a call regarding a payment due, that I became aware that the card had been taken from me. Barclay denied my fraud claim as a domestic issue. I then wrote a formal complaint letter on XX/XX/XXXX to the Senior Customer Experience Manager at Barclay. Barclay then sent a letter, dated XX/XX/XXXX, stating that I communicated account information to another individual and I allowed that individual to use the account. I never gave such authorization for anyone to use my card nor did I provide account information to the minor child to use my credit card account. It was not reported stolen within 48 hours, since the card had not been used for a prolonged period of time and I do not take a daily inventory of the credit cards in my wallet. The card was simply taken and used without my authorization and it should not make a difference who took the card and whether or not they reside in the same household as me. I have attached Barclay 's response to my complaint, which includes all the listed disputed charges, which total {$490.00}.
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| 11/19/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I was charged for an XXXX bookstore purchase that I did not make on my Barclay 's visa. I only originally got the card to finance an XXXX product and once paid off I actually emailed thr company and requested the account be closed. They did not close it and I noticed months later on my credit report that there was a late payment on this account in reference. I have no missed payments and I do not recognize the charge and I also have never made a bookstore purchasethroughXXXX to my knowledge. I already have an XXXX visa for all my XXXX purchases so I am pretty certain I would not have charged one thing to the Barclay 's card. I actually destroyed the card once I asked that it be closed. I contacted the company and received a letter stating I won the dispute but only for 1 dollar. I was very confused by this and continued to contact them and got an email stating that it could take 30 days to investigate. But its been several months of going back and forth and my credit score has decline 100 puts since. They also closed the account on me due to lack.of payment and now with all the late fees and interest it is hundreds of dollars owed. I have even called and spoken to a manager and dispute specialist to which that has been no resolution. And I have been denied the ability to finance some necessary services for my home due to this particular remark on my credit report that previously was in the 750s and had no missed payments. Still nothing back from Barclay 's.
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| 07/19/2016 |
Yes |
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Web |
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One of the main reasons I applied for the BarclayCard was their Extended Protection Program -- a feature that doubles, up to one additional year, a manufacturer 's warranty on products purchased with their credit card. The first time I took advantage of this feature, XXXX/XXXX/XXXX, I faithfully submitted all required documents, as well as additional ones BarclayCard 's agent requested. The manufacturer 's warranty ( an XXXX Watch that the Genius Bar worker admitted had a manufacturer 's defect ) had expired two weeks prior to the watch partially disintegrating. BarclayCard denied the claim, and after I sent them a letter telling them to either pay the claim or close my account, they attempted to reimburse me by filing a false {$370.00} dispute for the date of the original purchase ( XXXX/XXXX/XXXX ). They filed this dispute without my knowledge or permission and damaged my reputation with XXXX. ( I am an XXXX with apps downloaded and sold in more than XXXX countries. ) I think you will understand my concern for this false dispute by the fact that an executive from XXXX XXXX 's office called me yesterday to discuss the matter.
I want BarclayCard to honor their committment under their " Extended Protection Program '' and reimburse me {$210.00}, the cost of having the XXXX Watch repaired. I also insist that they write an apology letter to XXXX, stating that they, not me, incorrectly issued the dispute for the original purchase of {$370.00} on XXXX/XXXX/XXXX.
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| 10/21/2015 |
Yes |
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Web |
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I have been a Barclaycard US customer since XX/XX/XXXX, carrying their then-XXXX mastercard. When the card switched to the AAdvantage card in XXXX 2015 due to the XXXX Airways/XXXX XXXX merger, I was informed by mailer that my annual benefit ( associated with an {$89.00} annual fee ) of XXXX companion airline tickets would not be continued. I called the card issuer XX/XX/XXXX to see if this benefit could be extended, and if not, to cancel this credit card. The agent I spoke with told me that I would in fact be issued XXXX companion certificates, and she even offered to wave my annual fee as an added incentive to keep my business. My annual fee was in fact waved, but I was never issued the companion airline tickets ( approx redemption value {$800.00} ). When I called today, I was informed that I would never be issued these benefit tickets, essentially that my business had been retained by making false statements. Without the assurance that my benefit of XXXX annual companion airline tickets, I would have canceled my credit card and sought an alternative provider. The Barclaycard reps that I spoke to today ( XXXX levels of supervisors ) all attempted to sell me more expensive products in some perverse attempt to provide me the earlier-promised benefit, but at a cost to me. As I look to purchase airline tickets for holiday travel for my family, I am now going to have to spend an additional ~ {$800.00} that I otherwise would not have had to spend out of pocket.
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| 10/16/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Older American |
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JetBlue Fraud Investigation XXXX On XX/XX/XXXX, I landed in XXXX, XXXX. I went to a furniture store, my car was broken into and my suitcase, bag, and the pouch with a wallet and credit cards were stolen. and cash, I had one XXXX card in my pocket that I thought I would pay for when I entered the store, the thieves shopped at XXXX with all credit cards, ( all credit cards returned all charges to me, including XXXX XXXX, ) the thieves shopped with credit card XXXX for {$950.00}, auto report immediately that evening to XXXX. And to the other credit companies, they also sent me an alert of the card theft, that evening I ordered a plane ticket home and the next morning I returned home to Florida because I don't have credit cards and cash, on XX/XX/XXXX I returned back to XXXX, I made a purchase at XXXX, ( at the same XXXX that the thieves bought. I didn't know the thieves shopped at this store ) I paid {$560.00} before that the cashier tried 7 times with the XXXX card without success I brought XXXX to the card it worked, today on XX/XX/XXXX the bank charged me {$950.00} after that they checked, when they claim that because I bought at XXXX then there is nothing to do. So I do business with them ... that's why they charge me, it's just unbelievable, all the other banks told me I have nothing to worry about and so far everything is in order, but because I bought from XXXX so it doesn't count ... I don't give up on them and they want to receive the the money back.
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| 09/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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We had an XXXX credit card through XXXX. It was a good experience. The XXXX cards were all moved to Barclays. Barclays practices and customer service are unacceptable. I had to call them three times - each time the wait was over 90 minutes. I was told we would not get a bill from Barclays before the first payment was due ( this seems to be a deliberate attempt to increase chance of late payment fees and higher interest charges ). I tried to set up an online account to pay the card, but I continue to get this error message " We're sorry, but for security reasons online access to your account is unavailable. Please contact Customer Service at XXXX. '' When I called that number, they did not even ask what my question was, but just told me that I called the wrong number and put me in the hold pattern again. Then, after 95 minutes on hold, they just dropped the call. This is terrible service and those who do not jump through extra steps will get extra charges. Most of XXXX members are older and this seems to be a targeted attempt to take advantage of them/us. I did call XXXX to share my experience. I am not asking for any action on my account. I will cancel the card after I can figure out how to pay the transferred balance. We do not want to be held accountable for any charges that are incurred because of their business practices. I think Barclays should be held accountable for these business practices, and other consumers should be aware. Thanks for your time.
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| 10/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
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Web |
Servicemember |
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After the 5th largest hurricane to hit the U.S. happened, I attempted to pay my XXXX card on line, but we didn't have power and it was dark. Stupidly, I continued.
In error, I made a {$200.00} payment to my Old Navy MasterCard, currently serviced by Barclay 's Bank. The funds were sent via ACH to Barclays, received XXXX XXXX, and posted XXXX XXXX.
It is important to note that there is no balance on this card, and hadn't been for some time.
I called Barclays Bank on XX/XX/XXXX and XXXX, but was told I had to wait until the payment posted. Fair enough.
I called today, the 6th, and confirmed my account now reflected a credit balance equal to my payment.
I spoke to a representative and a supervisor to ask for my money back. I have now been told I can not even begin the refund process until XX/XX/XXXX, which will then take days to process, and then up to ten days mailing time. This is their priced to allow the payment " to clear. '' I explained it was an electronic payment, there is no clearing, and that they have the funds. I further explained my bank advised me that they can not recall the payment and referred me to Barclays Bank for a refund of this payment.
I further advised that due to the hurricane, we really couldn't wait for our funds because cash had been used due to many merchants ' systems being unavailable after Ian. Having my money back might be the difference between out family eating next week or not - but even this did not move them.
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| 07/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
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| 07/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
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| 06/05/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Unexpected increase in interest rate
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Web |
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I reached o ut to Barclay 's Bank fo r my Barclay Arrival Card at ( XXXX ) XXXX on XXXX XXXX , 2017 at XXXX XXXX to inquire about two times my interest rate increased an d one ti me it was decreased on my variable APR. The reason I was aware of this is because a third-party application called XXXX notifies me when such changes occur. Upon speaking with the representative I informed them that my interest rate was increased in XXXX and XXXX this year, yet I had not received a formal notice in regards to this. The one t ime it was decreased, XXXX I believe, I had requested it and a formal letter was sent to my address on file. I was perplexed as to why I would not receive a letter or e-mail besides my normal statement to indicate when my rate would increase. After much back and forth I spoke with a supervisor that informed me that interest rate increases were due to the recent hike s by the FOMC in each month. This statement made it much clearer to me why I received the two interest rate increases. However, there was no formal communication of this from Barclay card. The response I received from the supervisor was " Do you expect us to notify all of our millions of customers? '' At first I was taken aback and somewhat agreed. After having thought abut it though I am sure there are some guidelines that may have been provided under the Dodd-Frank Act or that are required by the CFPB. Please clarify what they are if any. Thank you.
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| 01/21/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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Barclays Old Navy reported a 30 day rating under XX/XX/2023 on my credit report under XXXX XXXX XXXX. This account is also still showing as closed under XXXX when it's still open. Reached out about this but this hasn't been corrected.
This company had a system issue in regards to processing automatic payments, resulting in my credit card balance becoming past due. Unfortunately, this is the only delinquency reported on my credit report and it has been detrimental to my family 's future XXXX. We are closing on a home soon, and this late payment reported by Barclays is costing us tremendously. I never experienced something like this and it couldn't have happened at the worst time in our lives. I rarely utilize the card and I'm regretting ever using it.
I'm asking Barclays to please consider removing this late payment from my XXXX XXXX XXXX credit reports. We are already facing high interest rates and high costs of homes. It's unbelievable that a 30 day late payment for a small balance, that I set up an automatic payment for, is affecting us like this. I hold 2 accounts with this company and have always been up on my payments. Regardless of the automatic payment not working out, if they reached out to me about the payment not going through, I would have paid it immediately.
Again, I'm asking Barclays to please remove the late payment reported under XX/XX/2023 for XXXX and XXXX. And correct the account status from closed to open under XXXX.
Thank you
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| 02/15/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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I made a purchase on XX/XX/2017 which was to be an interest free for six months if paid in full promotion with monthly payments which I was told would be around $ 40 monthly. I thought it was odd there was nothing on the first statement that showed the interest deferment end date but wasn't too concerned as I knew I still had months to pay it off prior to interest being assessed. I received my second statement which showed XXXX interest was charged and that had increased my minimum payment to XXXX. I contacted XXXX XX/XX/XXXX and they advised I had to make this higher payment even if there was a mistake otherwise I would be charged late fees, I offered to send in my contract that showed the interest free and they advised that wasn't needed if it was supposed to be that they would get it fixed. I contacted them again on XX/XX/XXXX to check on the issue before I had to make another payment of XXXX which was higher then the promised amount again and I was told they have until XX/XX/XXXX to resolve the issue and they will call me if they need my documentation. I contacted them again on XX/XX/XXXX to check on the issue and they said at this time they will escalate it so they " should '' get back in touch with me in 14 days and that I have to continue to make this higher payment, again I offered to send my contract and they stated they will call me if that is needed. I was again charged XXXX in interest totaling to {$130.00} in error since the account started.
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| 11/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
Servicemember |
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I applied for a credit card with Barclay approximately XXXX years ago. My bill has always been paid on time. However, I never received an increase in my account. Once the corporate office was contacted, I received an increase. My mother passed from XXXX. In XXXX, 2022, I had to take care of her final bills. Therefore, I utilized my credit cards more than usual. Because of this, my credit score dropped. However, I wasn't concerned because I knew that it would only be temporary. Barclay immediately cut my credit limit without notifying me prior to doing it. When called they stated that I would be receiving a letter in the mail. They did not contact me to see if it there was a reason, they just did it. XXXX XXXX score has returned to almost normal at this time. I called Barclay on Friday, XX/XX/2022, and spoke to XXXX ( ID # XXXX ) concerning this matter as well as my interest rate increase. She confirmed that my interest did increase & I was not notified. This is an issue because they are supposed to notify their customers. Also, she stated that I would have to apply for an increase. This is an issue because I should not need to do so. She stated that it is a system automatic and I know that this is not the case. Barclay penalized me when I was dealing with my mother 's death. I do not appreciate this. Barclay did not wait to see if my score would remain low, they automatically decreased my limit. No one should be treated in this manner. - XXXX XXXX XXXX
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| 04/20/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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Hello, I was recently on an XXXX XXXX flight back from XXXX ( DC ) to XXXX ( XXXX ) on XX/XX/XXXX. I was presented with a promotional offer for an XXXX XXXX XXXX XXXX XXXX card. The flight attendant first mentioned the promotional terms verbally ; she listed off all the advantages, one of which was an introductory 0 % APR for 12 months. They they handed out promotional flyers with those terms on them as well, the introductory 0 % APR for 12 months was also included on this too.
So, I filled out the form and applied for the card. Once approved, I then immediately called in to set up the recurring payments and confirm by bonus miles ( I am not sure of the exact date but it was a few weeks after my flight, it was the date that I set up auto draft so should be easy to locate ). The agent set up the recurring payments, confirmed my bonus miles usage and even confirmed that my intro APR was not just 12 months but 18 instead! I was very happy with that. However, it was not until my recent statement that I saw an interest charge ... .so I called in ( today XX/XX/XXXX ) and the agent told me I only had a 15 month into APR of 0 % but ONLY for balance transfers, not purchases. This was not specified on the promotional material at all or even with the agent I spoke to later when setting up my recurring payments.
I felt that I was mislead intentionally to take out this card. This is a ver unfair and deceptive practice and XXXX & XXXX should be held accountable.
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| 07/29/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XX/XX/2021 Prepaid online to rent car from XXXX {$210.00} XX/XX/2021 Car rental agency charged my credit card on XX/XX/2021 {$260.00} XX/XX/2021 Contacted car rental agency and was told they would look into.
XX/XX/2021 Filed dispute with my credit card owned by Barclays, Claim # XXXX.
XX/XX/2021 Contacted by my credit card, instructed me to provide all receipts, credit card statements, bank statements, notices, printouts, etc and fax to XXXX of which I did. ( later learned I was given incorrect fax number ) XX/XX/2021 I contacted my credit card for status, was told my claim was closed because they did not receive required documentation as instructed on XX/XX/2021, was informed I had incorrect fax number and was given XXXX.
XX/XX/2021 I refaxed all required documentation and mailed out hard copies as well.
XX/XX/2021 I called credit card company to confirm all required documentation was received.
XX/XX/2021 I received a letter from my credit card company dated XX/XX/2021.
" After further review, we're not able to assist you with obtaining a credit to your account due to the following : " '' Insufficient proof that the merchant has violated the invoice/contract 's terms and conditions. '' '' I prepaid for a car rental and was then charged a second time for the car rental and my credit card 's notice dated XX/XX/2021 does not address this issues.
I no longer have any faith in my XXXX Visa/Barclays credit card and need your assistance please.
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| 04/19/2017 |
Yes |
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Web |
Servicemember |
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In the summer of XXXX one of my friends told me about a special offer Barclay 's Bank of Delawa re was offering to XXXX XXXX military fo r its Gold Card credit card. I contacted Barclays to inquire about the special offer and the woman I spoke with confirmed that Barclay 's was waving the annual fee for all XXXX XXXX military who qualified for the credit card. As part of the offer Barclay 's was also offering 0 % interest on the balance of a card. I applied for a card for me and another for my spouse. As part of the application, I sent a copy of my most recent XXXX to prove my XXXX XXXX status. Within a couple of weeks, I was approved. The welcome aboard letter assured me tha t Barclay 's would continue to wave the annual fees and maintain 0 % interest on my account balance as long as I was on XXXX XXXX . However, earlier this month , Barclays sent me a letter informing me that they would no longer wave the annual fees and I would have to pay the annual fee beginning in XXXX . I immediately called Barclays and after some discussion with the customer service representative, closed my account because I did not want to pay the annual fee. In hindsight, I should have immediately filed a complaint agains t Barclay 's for breach of contract and waited for resolution before closing the account. However, by refusing to wave the annual fee, Barclay 's altered the agreement we had when I was approved for a credit card.
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| 07/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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This is about Barclay bank XXXX XXXX XXXX XXXX XXXX de, XXXX. I canceled a credit card I had with them on XXXX XXXX. Balance was XXXX XX/XX/XXXX they sent me an email saying I owed XXXX. I called rep said a charge was put on the card for XXXX on XX/XX/XXXX. the other charges were late fees. I asked why I didn't receive a statement/bill in XXXX and I would have paid it. Couldn't get no answer. I asked for and never did receive a statement. I didn't know I owed this even. The phone number on the email was XXXX, the phone number I looked up and called because I thought the email was a scam was XXXX. This rep told me it wasn't a scam. Another number XXXX XXXX XXXX came up Barclays bank called my home 6 times a day 6 days a week, if I answered they never said anything so I stopped answering. What I thin happened was they did a 6 month audit, found the charge and sent me an email saying I owed this money trying to get me to pay 6 months back late fees that I should not have had to pay. The last email I got said if I didn't pay XXXX by XX/XX/XXXX they were going to charge off the account to a collection agency and try to have them get me to pay. I didn't want my credit hurt any more so I paid it in full XX/XX/XXXX, I feel XXXX was stolen from me and I should have only had to pay XXXX if I owed that and if i would have received a statement in XX/XX/XXXX i would have paid it. I think Barclays bank has a very poor way of treating customers and doing business.
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| 03/06/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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I rented a car with XXXX in XXXX, Oregon from XX/XX/XXXX to XX/XX/2020. I returned the car on XX/XX/XXXX, it checked out clean and I left with a XXXX balance. I closed this card with Barclays bank ( Aviator Red Mastercard for XXXX XXXX ) on XX/XX/2020 with a XXXX balance. Then on XX/XX/2020, a charge from XXXX appeared for {$520.00} on this card. I had gotten nothing in writing or verbally from XXXX that there was any kind of an issue. When I noticed this charge in XXXX, Barclays removed it when I identified it as fraud. Then, in XXXX, they put the charge back on! They refuse to drop it and are adding late fees and interest. XXXX says it is for damages, but have provided no proof of any kind despite numerous requests from me. Barclays claims that XXXX provided them with a different car rental contract that terminated on XXXX XXXX. I purchased no such thing, as I was in Florida ( and live there full time ) in XXXX. If in fact they did find damages, the credit card I used with Barclays to rent the car has full damage protection and could have been used to cover the cost of repair. As it stands, I was not given the opportunity to use this service. I really REALLY need your help at this point. I am a XXXX year old single mom with a daughter I am trying to put through college. This is ruining my credit and neither company will help. I have written both of them via fax, mail, and email, and have called numerous times. I am getting nowhere. Please help!!!
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| 06/03/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
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I spoke with an account rep who was not a manager on XX/XX/18 at XXXX. I explained to him that I felt that I wasn't being treated properly because my credit line was reduced coincidentally on the same day that I filed a dispute on one of the charges on my account. I have filed two disputes over the last year with this company and both times they automatically declined my dispute without further investigation. I find it appalling the way they treat people, especially customers who have an excellent payment history with them. My credit line was reduced from $ XXXX to $ XXXX. When I asked the rep to review my account and give me my credit line back he proceeded to ask me a ton of questions and then stated that he would not be able to give me my credit line back. I then asked to speak with a supervisor and spoke with XXXX, agent ID # XXXX who proceeded to tell me there was nothing he could do to help me at this time. I was also sent a letter stating that my line was reduced because my credit score dropped to XXXX. Once I confronted them about the letter they than tried to cover their tracks by saying that it was because I had incurred more debt since I obtained their BUSINESS credit card. Are they kidding me? My debt fluctuates do to my growing business. At times I carry debt and at other times I carry no debt. If their excuse was valid than other credit card companies would have done the same. It is a bogus excuse and will not be tolerated or ignored.
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| 09/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XXXX XXXX I signed a contract with XXXX XXXX and charged my down payment of {$4100.00} for work to be done on my home in the spring. I was in constant contact with the contractor as to updates on my materials and job. Im XXXX he claimed that due to covid, the materials were delayed, but it would be soon, probably XXXX. I had no reason not to believe and kept in contact. XXXX came and went and he told me he was in contact with the supplier and my patio door manufacturing was holding up the project again, no reason to question this because this has been a common occurrence with everything due to covid. I was in weekly contact with him up until the morning of XXXX XXXX when he was XXXX XXXX XXXX XXXX XXXX. We later found out that he never ordered the supplies, defrauding me out of my down payment. I used my credit card as a means of protection for this type of reason. I have text messages and emails to prove all of this and have sent it all to my credit card. They are saying it was not in the allowable time frame but i could not do that because i had no idea i was a victim of fraud and no reason to file a dispute until his death and subsequent investigation that proved this. The company is still in business as hiXXXX XXXX XXXXs the other agent. She will not respond to any of the customers and has begun selling off the office equipment. I respectfully request that the amount be charged back to ehe business. He used XXXX to complete my card purchase.
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