Date Received: 2024-03-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: To Whom It May Concern, Im writing to report the flagrantly unfair reporting practices that are policy of the Barclays FCRA Credit Disputes Bureau. I recently signed up for the Banana Republic ( Barclays ) credit card in order to obtain a promotional discount on a purchase I had made in the amount of {$500.00} on XX/XX/XXXX. Later on, I made another purchase of {$41.00} on the date of XX/XX/XXXX. After receiving my card in the mail, I set up an online account and paid the statement balance on XX/XX/XXXX. Unfortunately, the statement balance that I paid did not include the 2nd purchase of {$41.00}. This balance, of under {$42.00}, was eventually reported as delinquent to the credit agencies, and my credit score went from excellent ( high 700s ) to poor ( mid 600s ). Reason dictates that someone with an excellent credit score would not have any issue paying a {$42.00} balance, nor would they allow that balance to remain until being reported as delinquent and ruin their score. This was the result of poor communication on the part of Barclays, which provided no good-faith attempt to communicate this balance to me. I never received a phone call, a voice message, or any physical mail about it. The only communication, I would later discover, was an automated email that went into the Promotions category of my inbox, the equivalent of spam, which is invisible in my email inbox and provides no push notifications. I learned that debtors may do this because such a small amount does not warrant the effort to try to collect the debt, so no debt collection agency was ever hired to contact me. After I realized what had happened after receiving a credit alert from a 3rd party monitoring service, I immediately called a Banana Republic representative who was sympathetic to my situation and able to waive the late fees, and I resolved the balance due by making a payment of {$50.00} on XX/XX/XXXX. The representative recommended that I send a letter to their FCRA Credit Bureau Disputes po box , which I did on XX/XX/XXXX of XXXX. The agency failed to respond within 30 days, and in fact never responded at all. I called again, well after the 30 day period had expired, and the representative said that they would resend the letter, which, again, I never received. On a 3rd phone call a few weeks later, I asked if the representative could email me the content of the letter, which they did. Finally I was able to read the letter, which was an impersonal and substanceless denial of my appeal, providing no contestations to my arguments. I asked again for a physical copy of the letter for my records and asked to speak with the FCRA Credit Bureau Disputes department. They said that the department doesnt have a phone number and I would have to write them again to get any more context. Again, they never sent me the physical letter explaining how they came to report a {$42.00} balance to the credit agencies without ever attempting to contact me. Since that has happened, Ive been denied credit card applications for even very low amounts. I was able to get a XXXX card only by having a bank manager hear this story and sympathize with my situation. I fear for the near-term future when I will have to refinance my home. There is nothing fair about the practices of the Barclays FCRA Credit Bureau. Please sympathize with the very real consequences this is having on my life and likely many others whose financial life they have ruined and ask the major credit reporting agencies to remove this delinquency from my account. Also, please follow up with the Barclays FCRA Credit Bureau and ask : - Why are your physical letters failing to send? - What is your policy regarding communicating late/delinquent balances to your card holders? - At what dollar amount does a debt go to a debt collector? Which debt collectors do you use and what are their policies regarding communicating late/delinquent balances to your card holders? - Do you think its fair to treat your customers in this manner? Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94110
Submitted Via: Web
Date Sent: 2024-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I recently look at my credit file and noticed a Barclays bank account. I went through a divorce a few years back and it set me to go past due on a few accounts which I am not proud of. However, Barclays is reporting that the last time I made a payment was in XXXX but it was in XXXX. This is adversely affecting my credit and needs to be fixed so I can mediate the account with the bureaus as I have filed disputes with them as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84065
Submitted Via: Web
Date Sent: 2024-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In response to XXXX XXXX XXXX XXXX XXXX XXXX ' XX/XX/year> Statement to me through my small business, XXXX XXXX XXXX on Account ending ... XXXX, I paid the full amount of the charges due in the sum of {$1800.00} by check No. XXXX dated XX/XX/year>. Subsequently by a series letters Barclays ' denied that the {$1800.00} payment had been made and requested proof. In response, I sent them a copy of the front and back of cancelled Check No. XXXX as well as an enlarged copy of Barclays endorsement which appears on the back of the check. According to the endorsement the funds were electronically deposited XX/XX/year> in Barclays account # XXXX, XXXX : XXXX. I also provided a copy of XXXX XXXX XXXX XXXX XXXXXX/XX/year> bank statement which showed that the {$1800.00} check had cleared XXXX XXXX XXXX ' bank account on XX/XX/year>.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28403
Submitted Via: Web
Date Sent: 2024-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I was scammed out if {$510.00} by a person pretending to be a book editor. When she demanded more money and got nasty, I knew I made a mistake. Despite immediately disputing this twice, providing copies of texts, they paid her. I got nothing from her and she doesnt have my manuscript for review. She demands another {$1700.00}. There is an online history of XXXX XXXX ripping people off. My credit card company went against me and XXXX did nothing. They continue to allow her scamming of victims.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27529
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Subject : Dispute of Inaccurate Information on My Credit Report Dear Sir or Madam, I have recently reviewed my credit reports from XXXX, XXXX, and XXXX and have found several inaccuracies that I am disputing. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation and correction of these inaccuracies. Also 15 U.S. Code 1666b - Timing of payments 15 U.S. Code 1681a - Definitions ; rules of construction Personal Information Discrepancies : Name Variations : XXXX : Listed as XXXX XXXX XXXX XXXX & XXXX : Listed as XXXX XXXX XXXX Discrepancy : Name inconsistency across bureaus. Correct name : XXXX XXXX XXXX. Also Known As : XXXX & XXXX : Listed as XXXX XXXX ( Incorrect spelling ). XXXX Requested : Please correct the spelling to XXXX XXXX. Date of Birth : XXXX : Year only ( XXXX ). Action Requested : Please update to include full DOB as XX/XX/XXXX. Address Discrepancies : Current Address : Differences in address formatting and ZIP+4 code across bureaus. Action Requested : Standardize across all bureaus to XXXX XXXX PL XXXX XXXX, XXXX, NY XXXX. Previous Address : Inconsistencies in addresses reported. Action Requested : Verify and correct previous addresses across all bureaus for accuracy. Account Discrepancies : Account on XXXX and XXXX : High Credit reported as {$0.00} by XXXX for an account with a balance. Action Requested : Investigate and correct the High Credit value to reflect actual credit used. Inquiry Discrepancies : Various inquiries listed differently across bureaus. Action Requested : Please verify these inquiries ' accuracy and remove any inaccuracies. Incorrect Account Statuses and Information : Accounts Reported with Inaccurate Statuses : Accounts reported as late or charged-off with disputed statuses. Action Requested : Review payment histories and update status accordingly to reflect accurate information. Discrepancies in Payment Histories : Variances in payment history across bureaus, including missing payments or incorrectly reported late payments. Action Requested : Cross-reference with account statements provided by creditors and correct any inaccuracies. I am enclosing copies of documents that support my position. Please re-investigate these matters and correct the disputed items as soon as possible. Please send me a written confirmation of the receipt of this letter and the results of your investigation. According to the FCRA, XXXX XXXX Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also Known As : XXXX XXXX - - Former : - - XXXX XXXX Date of Birth : XX/XX/XXXX XXXX XX/XX/XXXX Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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these matters. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10452
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I applied for a Mastercard via Frontier Airlines in or on approximately XXXX of XXXX. I did not activate the card nor have I ever used it. The card was listed as dormant on my credit report and no benefits have ever accrued to me ( including e.g. an increase in credit card utilization, etc. ). I have never flown on Frontier Airlines. The name on the card and other card information is : XXXX XXXX XXXX XXXX XXXX XXXX expiration date XX/XX/XXXX security code available on request On or about XXXX of XXXX the card was marked as active on my credit report, but not at my request nor by my use of the card. I had applied for the card a year earlier to get a cheap flight from XXXX XXXX to XXXX or vice versa I can not remember the exacts, but I ended up flying on XXXX XXXX Frontier Airlines repeatedly delayed the flight into the next day and I was simply to tired -- both physically and emotionally -- to wait any longer. On XX/XX/XXXX I received an email stating my credit card bill was due in the amount of {$89.00} on or before XX/XX/XXXX ( email available on reqiest ). I called the credit card company at XXXX on XX/XX/XXXX as displayed on the card 's backsider to dispute this charge explaining that I have never authorized the activation of the card, use of the card or any other tangible benefit from the card. I requested that the charge be deleted from the card and the card deactivated and cancelled. The woman representing the company apologized to me several times telling me should could not remove the charge of {$89.00} and acknowledged that I had never activated the card. She also could not escalate the call at the time and refused to escalate the call to her supervisor and/or manager. I insisted that she escalate the complaint, but received no satisfaction on this account either. I am prepared to complain on social media about " The Frontier Airlines Credit Card '' if this matter is not resolved satisfactorily. I am also happy to see them in small claims court if needed. I think this is reckless of them and will stand up to it. I will neither stand for derogatory information to be posted to my credit report. I am happy to have them spend several XXXX dollars if not thousands on representation in small claims and/or elsewhere as the case is escalated. I am sure Frontier Airlines will enjoy the publicity. My personal information : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Thank you for looking into this, deleting the charges accrued as a result of that company activating the unused credit card, and canceling the card. I will not be flying Frontier. Best regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94131
Submitted Via: Web
Date Sent: 2024-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have been making payments to my credit card and now they just lowered my credit limit when I made a big payment. They are purposely hurting me on my credit report and personally when I have been good customer for many years. I want them to give me back my credit limit Ive had for years as Im paying down my balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2024 I filled out an application for a Frontier Credit card while I was on a return flight from Utah to XXXX. On XX/XX/2024, I received the card in the mail. I activated the card by using the QR code on the card. I completed the online account creation. On XX/XX/2024 I went online to add my husband to the account and saw the account read " closed '' in a couple areas on the page, but also that there was an XXXX charge for the yearly APR, I had been given a XXXX credit limit. I thought the " closed '' was just a glitch in the system or something I would have to call and check on since I had just received the card the day before. I was able to add an authorized user, so I added my husband and received a message that he would receive a card in 7 - 10 business days. I tried to use the card at two different places because one of the conditions was you had to spend at least a dollar within the first few months of owning the card to get additional rewards. The card was declined both times. Today, XX/XX/XXXX at approximately XXXX, when I called to find out why my card would not work I was informed that I had called on XX/XX/XXXX at XXXX and reported fraud and requested my account be closed with no other card issued. I did not call on XX/XX/XXXX. I never reported fraud. I did not request my account be closed. I spoke to two people at Barclay today concerning the card but they insisted I had called and reported fraud and closed the account. They informed me I could reapply for a new card if I choose, but none of the 1st time cardholder perks would apply. I am distressed by the fact that Frontier made promises concerning the card yet I was never able to use it. I can not get into the online account for this card anymore. When I try to log in I get an error security message. I am very concerned because something is very suspicious about this whole situation. I gave all my personal information to Frontier in good faith when I applied for this card. Please let me know what my next steps should be. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2024-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XXXX XXXX an hard inquiry showed up on my report and it was not me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21061
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I contacted Barclays Bank Delaware on XX/XX/XXXX, at XXXX, I told them that a credit card was made in my name without my knowledge and that would like for it to be removed. The amount of money that was used on the card was {$1400.00}. I also sent a dispute to 2 of the credit bureaus ( XXXX and XXXX ) on XX/XX/XXXX, and XXXX was only one I didn't because they kept hanging up on me. Both those bureaus sent a report back a week later saying that the account belongs to me when I know it doesn't. I sent them another dispute and I'm waiting to hear from them. I don't have a police report yet because I need an FTC report first. I contacted the FTC and all I received was something called an identity theft blocking request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33125
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A