BARCLAYS BANK DELAWARE

2017-09-05

Federal Way, WA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: I noticed a fraudulent charge on my account for {$30.00} from XXXX XXXX XXXX. I notified Barclays via mail that the charge was fraudulent. Barclays refused to remove the charge. I then noticed another charge for {$30.00} from XXXX XXXX XXXX. I notified Barclays again via mail, and requested the account be closed. Barclays closed the account but refused to remove the fraudulent charge. Due to a XXXX I do not communicate effectively via phone. I have requested that Barclays contact me via mail, or email, only regarding this matter. However, Barclays has not responded to this accommodation request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2017-09-05

North Hollywood, CA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Complaint: there was a transaction made on XX/XX/XXXX a withdrawal from XXXX ATM machine in the amount of {$300.00}, few days later I found out and immediately reported the matters to XXXX XXXX, they immediately closed the account and re issued me another card, and on XX/XX/XXXX they sent me a letter stating that due to suspicious activity there is a pending investigations, and I will not be held responsible to fraudulent activity, then on XX/XX/XXXX they sent me a letter stating that they completed the investigations base on their research the transaction is valid, I was surprised and shock they put back the whole amount and interest charges to my account, they base their conclusion on the previous transaction which I told them that those previous one is mine and the one iam disputing is NOT mine and somebody used my card, this is unauthorized charges somebody use my card because the PIN no is written on the back of the card, I went to police station to file a police report as per request to me and I immediately sent the copy of the police report to them, what frustrate me most is they are not communicating to me, I keep on initiating to call them on a weekly basis, where is now the policy that any unauthorized charges iam not responsible, the way they conduct their investigation is unacceptable, please help me, why should I be responsible if the transaction is unauthorized, all credit card company is saying zero liability if there is unauthorized charges a consumer is not liable, I myself conducted a investigation because I want to know who use my card I even ask the head of the security to help me but I need a lawyer to do that and a judge order to be able to see the video or cctv footage, please advice and help me thank you so much
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-05

E Millstone, NJ

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: I contacted the credit card company on 3 separate occasions regarding a charge on my card for XXXX XXXX which should have been a credit. The company refused to remove the charges or did an investigation. The reps were rude. The last person spoke to was a male claiming to be XXXX. I requested a supervisor. He kept me on hold for 15 mins. After returning to the call informed that no supervisor was available. He could set up a call for a retutn call in the next 42-76 hrs. Totally unaccountable. Violation of my consumer tight
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2017-09-04

FL

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with rewards from credit card
Complaint: I am currently a cardholder of the Barclay XXXX XXXX Master Card ( XXXX ). I originally opened this account in XXXX XXXX as a Travelocity Rewards American Express Card, but the card was transferred to Barclay in XXXX of XXXX. At the time that the card was transferred, I had accrued approximately XXXX miles under the cards rewards program. Earlier this summer, I attempted to redeem my miles for travel that I had purchased through Travelocity on XXXX XXXX, XXXX. The trip was booked for XXXX XXXX, XXXX through XXXX XXXX, XXXX. However, when I tried to redeem my miles on XXXX XXXX, XXXX ( which by this time had accrued to over XXXX miles ), I was not allowed to redeem my miles for this trip as 120 days had passed since I originally booked the trip. This was surprising to me, as under the Travelocity Rewards American Express Card, I could not redeem my miles until after the travel actually occurred. I immediately called customer service and the Barclay representative instructed me that I could redeem my miles for more recent purchases that I had made on my card since then, which we did while I was on the phone. During the call, I expressed a concern that I did not believe that I was obtaining the rewards level that were part of my original agreement when I had obtained my original Travelocity American Express Card. Immediately after getting off the phone with the Barclay representatives, I did a little research and determined that I had not received the credit for my miles in accordance with the terms of the original agreement. In fact, the original agreement terms indicated that I would be awarded {$400.00} for every XXXX miles if I booked my flight on Travelocity. However, it appears that I was only awarded {$200.00} for each XXXX miles ( i.e. {$25.00} for each XXXX miles ). Therefore, my reward was only half of what I am entitled to. I immediately called customer service again, and coincidently, the same customer service agent assisted me. She advised me that she could find no record of the of the original terms of agreement, which was surprising to me, as Barclay administered the Travelocity Rewards Card that I had originally signed up for in XXXX. She then suggested that I submit a letter to request that my rewards be redeemed in accordance with my original credit card agreement. I forwarded a letter as a formal request to not only redeeming the miles for the travel that I booked on Travelocity, but also redeeming those points at {$400.00} for each XXXX miles on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I received a letter from Barclay indicating that they were unable to complete my request. I immediately call their customer service department and explained the situation again. They advised me that they understood my concerns and would reevaluate the situation. On XXXX XXXX, XXXX, I called to check the status on this request, and they advised me that a letter was sent out on XXXX XXXX, XXXX, advising me that my request was denied again. I immediately closed my account with Barclay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-04

Arco, CA

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: I got a little behind on bill. Just bought a house with my wife, and are dealing with credit card debt. Will be paying in the next week.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-04

Providence, RI

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Add-on products and services
Complaint: Let me start this out by saying this is a repeat complaint. Please see the below in " " for the original complaint which still holds true. " I made a purchase for plane tickets in XX/XX/XXXX. The trip needed to be changed due to XXXX activity, which is a covered reason under the terms and conditions of my credit card. Barclaycard referred me to XXXX XXXX XXXX. When speaking to XXXX XXXX they told me that prior to XX/XX/XXXX they did not handle claims against this card, so they referred me to XXXX XXXX XXXX XXXX XXXX. I submitted all necessary documents to XXXX who then denied the claim based on the reason that " XXXX Action is not covered ''. I called them and sent them screenshots from the Barclay Card website showing them that indeed XXXX Action is listed as a covered reason. The case was reopened, and after weeks of back and forth communication, XXXX sent me back to Barclaycard as they said i needed to put the claim through them. When speaking to Barclay again, i was told that another company needed to be involved but they couldint not get me in touch with them, I had to go back to XXXX. I have not contacted XXXX again but will be and will also be closing my account with Barclaycard. The runaround i am receiving is terrible business and deserves to be escalated to all levels. I have all of the necessary documentation detailing the above, including written correspondence with XXXX, screenshots from the Barclay website, all necessary receipts etc. I can provide if necessary. '' This past week my complaint was denied by Barclay card citing the policy saying that XXXX action was not a covered reason for trip insurance. They even attached the policy and left me a voicemail telling me to read over my benefits ... which i did before all of this started leading me to file a valid insurance claim. On page 26 of the cardholder benefits policy and on the benefits section on the cards website it says under covered reasons " XXXX Action ''. Please see the attached letter where the policy was incorrectly referenced. At this point i have been passed between multiple insurance agencies, because when i made the purchase they were using one insurance company and when i filed the complaint they were using another. The original claim was indeed denied until i cited the policy and then was told it was a valid claim. I have an entire email chain with the original insurance company stating this and also telling me to go back to Barclay. The person i worked with from the Office of the President was unattentive to my claim and the original CFPB complaint. She would take days or weeks to respond to me after leaving me voicemails in inopportune times throughout the work day. She even put me back in touch with XXXX who I was able to determine before filing the CFPB complaint ( without the help of Barclay Card ) was not the correct company to talk to ... and they again told me it was not them who can help me ... which I already knew and told had already told Barclay card office of the president when we spoke on the phone. When i tried calling Barclay card again, I left a voicemail and received no response ... just a denial letter and voicemail telling me to check my email. The Denial on the CFPB website with attachments from the office of the president incorrectly cites their own policy, attaches the policy for me to ( re read ) and neglects the fact that " XXXX Action '' is listed on page 26 of their policy ( all attached ). All of this was given to the woman working my claim, along with all the other evidence needed including email chain with the original insurance company, all receipts, screenshots from their website etc etc etc ... and clearly ignored. See attached. This is unacceptable business and it is unacceptable that because this company can not figure out the correct insurance agency to put me in touch with or handle for me as a valued customer, I am now out the money that should be paid back to me. At the very least they should have competent people working in customer facing positions who can ACCURATELY AND ADEQUATELY CITE their cardholder benefits policy. If the consumer can read it, the Office of the President for Barclay card should be able to read the policy before falsely denying a claim. At this point the only person that has done their due diligence in this situation is me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-03

Bellaire, TX

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with balance transfer
Complaint: Thank you for reviewing this matter. My experience with XXXX has been an utter nightmare. I have worked diligently for decades to be a responsible credit holder and achieved a credit score exceeding 800. As I am a XXXX XXXX XXXX and XXXX XXXX XXXX this is integral to my livelihood. I applied for a XXXX due to the advertised no fee balance transfer fee and was approved with a {$30000.00} credit limit. At application it was asked what I intended to transfer and I listed {$20000.00} from my XXXX XXXX as one of the intended transfers. Approx 2 weeks later I received my credit card in the mail showing a XXXX balance. There was zero mention of a pending transfer in process. I waited an additional 2 weeks and received an email that I was free to initiate my balance transfers. Again my balance showed zero and there was no notation anywhere of a pending transfer. I logged on and requested XXXX to my XXXX XXXX, XXXX to a second account, and XXXX to a 3rd. Making careful not to not utilize 100 % of my avail credit as I know the negative ramifications this has on my credit score. I was diligent to utilize only {$28000.00} of my XXXX limit again to preserve my credit standing. A days later I logged on and noticed that XXXX XXXX had been paid two payments of {$20000.00}, a total of {$40000.00}, which even exceeded the amount owed on the account. Furthermore despite my credit limit being XXXX, XXXX was my balance, exceeding my credit limit by XXXX. I immediately called XXXX and was passed from associate to associate and got nowhere. I opened a case number XXXX and was told a manager would be calling me. The following day no one called I called again and same continued associate upon associate told me nothing they could do, payment had posted, could not recall it. It was recommended by an associate to apply for a credit limit increase to bring my account to positive standing or pay the overage down. I did not have over {$18000.00} laying around so I consented begrudgingly to applying for an increase, only te be met with an immediate decline as " I was over my avail credit limit '', which was already know when they suggested it in the first place. Hours and hours on the phone with associates and managers and not one person took any ownership to resolve this grotesque error on behalf of XXXX. I called XXXX and arranged for a payment to be made to XXXX of {$19000.00} which brought the account now under my credit limit and back to positive standing. This all transpired in a 5 day window I called of the error the day it happened, called daily pleading for resolution and opened a case number, then personally fixed it after days of getting absolutely nowhere with XXXX. The following day I received an alert from XXXX credit monitoring services that my credit score decreased 73 points on XX/XX/19, the reason cited as I had exceeded my credit limit on XXXX. I killed myself to fix their error and I was reported negatively nonetheless and took a massive credit hit as a result thereof. I feel their handling of this matter is nothing short of criminal. I have worked hard and diligently to be an exceptionally responsible credit holder and the negligent actions of this institution have impacted my profoundly. Please I urge for your help in this matter what I have been through is wrong and this institution needs to be accountable to fix this tremendous error their actions and poor communication caused.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-02

San Diego, CA

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with customer service
Complaint: This company is a joke. It does not show me my balance amount as of each transaction. Every other company does this, XXXX XXXX and XXXX XXXX XXXX except this. For example, I have {$1000.00} balance, spend {$3.00}, the balance should display as {$1000.00}, and so forth on each transaction line. Show the balance amount on each transaction line. Have a manager call me back and fix the problem. This is an easy problem, fix it, and stop acting like a bunch of boring guys in suits, and do your job. Please have high end technology director call me up. I do XXXX XXXX for a living.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-01

TN

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Card opened as result of identity theft or fraud
Complaint: A hard inquiry was submitted on my XXXX credit report BARCLAYS BANK DELAWARE requested X/XX/2017 with my home address. I called the business talked to a representative I gave her my name and my last four digits of my ss # and she said she could n't find it with that information that she would need my full ss # at this point I was afraid to give that much information. I have not applied for any loan or credit card and am unaware of this particular bank or business. This is a fraudulent inquiry that I have not requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2017-09-01

Austin, TX

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Complaint: BarclayCard and I entered into an oral and written agreement to settle a past due credit card account on XX/XX/XXXX. The account was settled in full on XX/XX/XXXX. The representative for BarclayCard ( XXXX XXXX XXXX ) informed me that if I settled the account before the end of that month ( XX/XX/XXXX), that the bank would not report a charge off status to the credit bureaus and any tax liability for the account would be reported for tax year XXXX. Neither happened. Barclaycard is refusing to honor their oral and written agreement. On XX/XX/XXXX, I was to informed by XXXX XXXX XXXXl, a representative from the Office of the President, that BarclayCard would not be complying with the terms of the agreement. The written agreement provided by the bank specifically states '' We will send you an IRS Form XXXX by XX/XX/XXXXof the year following your final settlement payment. '' XXXX XXXX went back and reviewed the call with the collection representative, confirmed everything that he said, confirmed everything I stated was true and still refused to honor it the agreement in place, citing company policy and refusing to provide a direct explanation as to why they will not correct the issue. So now, I am left to deal with misguided and inaccurate IRS documents that this bank knows are not factual, all because they will not honor their agreement. This is egregious conduct by BarclayCard.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2017-09-01

Lewisville, TX

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: I do not recognize nor did I authorize the following inquiries to be made : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2017-09-01

Evesboro, NJ

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-31

Bronx, NY

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

You never received your bill or did not know a payment was due
Complaint: I was upset after I viewed my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due XX/XX/XXXX, 60 days XX/XX/XXXX, 30 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 60 days XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2017-08-31

FL

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Didn't receive advertised or promotional terms
Complaint: On XX/XX/XXXX, I sat through a XXXX timeshare presentation where I was informed I could utilize a Barclay credit card as a down payment towards a timeshare. I initially declined the offer because of possible high interest rates. The sale rep stated that the card would have a low interest rate due to the company working hand in hand with the credit card company, I later found out the companies are one in the same. The sales rep proceeded to run the credit of both my friend and I and returned stating " You both fall into our tier XXXX category '' which he explained was great credit tier and the interest rates would be low. A few minutes later, he returned and handed us our forms which stated otherwise, what we did n't know is that he had already charged the cards. When questioned about the interest rates being so high, 25.99 %, he stated, well you do n't have to utilize the card. The card had already been charged towards the down payment on the timeshare. I have since disputed the {$8500.00} paid to XXXX XXXX for a timeshare in which I have not been able to use due to lack of availability and they are refusing to refund me my money or handle the issue with the credit card. I would have never opted to purchase the timeshare nor credit card, if it were n't for the misleading and false advertisement, the deceptive information provided and the bait and switch tactics used by XXXX and it 's employees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-31

Chapel Hill, NC

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Card opened as result of identity theft or fraud
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2017-08-31

PA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: I obtained my annual credit report XX/XX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XX/XX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXXstore cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! XXXX Auto Dealers? XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Barclays bank DEXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-31

San Jose, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-30

South Florida, FL

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Re : Unauthorized Credit Inquiry To Whom It May Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-30

Queens, NY

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Add-on products and services
Complaint: I have a XXXX XXXX XXXX XXXX Credit Card by Barclays Bank. One of the advertised benefits on the card is a Price Protection benefit according to which if the price on an item I purchased using my credit card drops after the purchase they will reimburse me the difference. https : //www.barclaycardus.comXXXX details all the benefits including the Price Protection benefit ( I got this link after logging into my credit card account so this is for my credit card and not generic information ). I called the number listed on the website to file a claim for Price Protection where they mentioned that my card does not have the Price Protection benefit. I called Barclays customer service with this information and they verified that the card does have the benefit and transferred me over to the claims department again to file the claim where they again denied the benefit. This ping pong back and forth between these 2 departments happened several times starting on XX/XX/XXXX and continued into XX/XX/XXXX where me and my wife collectively spent greater than 4-5 hours on this. On XX/XX/XXXX after much effort I was able to get XXXX customer service and the claims department on a conference line so they can work out the confusion between themselves ( you 'd imagine they should be doing this without me facilitating this ). They took a paper claim and mentioned that they will review the confusion with the management of the claims department to figure out what 's going on here and get back to me by end of day XX/XX/XXXX. That did not happen and I called the claims department for a follow up to that on XX/XX/XXXX and they went through the same ping pong game again asking for all information, refusing to connect me to their management and flat off denying that my card has any such benefit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-30

Sacramento, CA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: I initiated a dispute for seven charges. I provided Barclay my full dispute details. The fantasy football service through gamership was never provided. I laid out all the details for Barclay. They refuse to actually investigate. The representative spoke little English named XXXX told me that the charges were legitimate because they were online gambling. I told her that 's not what it was. California law allows fantasy sports as well as federal law but I never received the service. So I asked them to reinitiate the dispute process and faxed over updated information. They refuse to assist me or provided documentation as provided by their own policies and California consumer law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2017-08-30

West Brandywine, PA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-30

Kingstree, SC

Struggling to pay your bill

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company won't work with you while you're going through financial hardship
Complaint: Had this card for over a year with excellent payment history. After 1 missed payment due to a financial hardship they closed my account. They will not work with me in any way to get back on track. I do not understand how after 1 missed payment an account can be closed. And the amount of late fees are catching up to the credit line. How can any one ever catch back up. I was a very loyal customer who always paid on time and more than the minimum due. You have caused sever damage to my credit history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-30

CO

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Complaint: It 's blocking from enabling external applications
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-30

Altamonte Spg, FL

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Card opened as result of identity theft or fraud
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-29

NY

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Complaint: Called XX/XX/XXXX to request that account be closed before annual fee posted. Agent said 'their systems were down ' so she could n't give me a confirmation, but assured me the account would be closed and there would be no annual fee charged. No surprise, the card was not closed, the fee was charged, and they are refusing to refund it saying they have no record of my call and their systems would ALWAYS magically have a record of the call even if the systems were down.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response