Date Received: 2023-06-13
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: 1, On XX/XX/ my car 's engine light went on. I drove to XXXX XXXX. The assistant diagnosed my car saying : car still drivable. Mechanic is in XXXX. I can bring the car back when he is coming back in a month. On XX/XX/XXXX, I received a text message from the mechanic-XXXX telling me to bring car to him. I sent the car in on XX/XX/XXXX. XXXX kept my car for a month and called me on XX/XX/XXXX saying car is ready and fee is {$3500.00} ( I paid by XXXX XXXX by Barclays ). He give me a handwriting invoice which is not readable/ not showing parts number ). 2, I drove my car home ( about XXXX miles ) and stayed home for the holidays. On XX/XX/XXXX when I used the car I found the coolant tank pouring water and AC stopped working etc and send the back to XXXX XXXX. XXXX kept my car for another month and released it on XX/XX/XXXX giving me an invoice ( computer printed/still not showing parts number for {$1800.00} ( I paid by XXXX XXXX ). But XXXX said he forgot to fix my A/C asking if I can pick my car another day after A/C fixed. I feel I need to see another mechanic. 3, So I drove my car to XXXX XXXX. Mechanic XXXX found my A/C wire isn't nature damaged, obviously cut by a wire cutter. XXXX also could not find any new part in my car telling me to get an invoice showing part #, but XXXX XXXX failed to provide the invoices showing parts numbers so I disputed both charges with XXXX and Barclays requesting XXXX to provide the computer printed invoices showing parts number, but Barclays did not do anything and simply close my dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91107
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX, XXXX XXXX from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, ME XXXX ( XXXX ) XXXX ) mailed a cashier 's check ( XXXX XXXXXXXX ) for {$11000.00} to Barclays. XXXX XXXX provided me with a document showing the check was reconciled by Barclays on XX/XX/XXXX. However, the money was never credited to my account. On XX/XX/XXXX, I called Barclays and reported the issue. I provided them the check amount and number and they started an investigation. On XX/XX/XXXX, the company credited a " provisional credit payment '' of {$11000.00}. I received a letter stating the investigation did not produce the check in question so they put the {$11000.00} back onto my account on XX/XX/XXXX. This is reflected on my XX/XX/XXXX statement. On or about XX/XX/XXXX, I reached out again to Barclays and they asked that I fax a copy of the check to them. I did so and they money was credited back to my account. The issue is, I was still charged with late fees for the several months the check was pending. Also, my current amount due for a minimum payment {$670.00} with {$540.00} past due. I called them several times to have the payment amount adjusted to reflect the current balance on the card and also to make the appropriate credits towards any interest and late fees incurred due to the extended timeframe they could not locate the check. They continue to tell me that the balance due is " computer generated '' and they refuse to change it. So, my account has been locked and the company continues to call me to harass me by phone, along with continuing to add late fees onto my balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27405
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A company Barclay has reported late payments. it says XXXX rewards. says I have a card open in my name as an authorized user, but I never bought anything through them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: this company is reporting as a charge off and attempting to collect a debt even after providing proof of a chapter 7 discharge and a letter from my attorney. all three credit bearus have been notified and have not updated their records.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98404
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
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 have been a Gap card member since XXXX. I used to live in XXXX XXXX 6 years ago, and since have moved to Colorado, where I have resided the last 6 years. Last XXXX, Barclays sent a new Gap card to my XXXX XXXX address, where I was not living at the time, even though I had my address changed to my Colorado address through the Gap app. The new Gap card that was sent to my old XXXX XXXX address was somehow activated ( not by me ) and the person ( s ) who activated it made multiple purchases at Gap, XXXX XXXXXXXX, and Banana Republic around the XXXX XXXX area in the span of 5 days to an amount of about {$2000.00} worth of purchases. I have never spent that much ever on my Gap card in years, and all these purchases were made immediately after it was sent out to XXXX XXXX and activated. Since that time, collection agencies have been calling me to collect a debt of over {$2000.00}. I was not made aware until XXXX of XXXX, because I hadn't shopped at the Gap for months, and the card I had in my possession since XXXX was apparently expired, and the new card that was activated was a card I never knew about. I contacted my XXXX XXXX XXXX department, and an agent helped me navigate my case, and told me to write a police report ( which I have and was issued ) and we contacted the Barclays fraud department and made the claim. Barclays reviewed the information and refused to help, and said their information was correct, and they sent out the card to the cardmember at the address they had on file. The card was opened in my maiden name, ( XXXX ) and it was sent to the address I hadn't lived in for 6 years, which was in XXXX XXXX. Although I repeatedly told them that the information they had about me was incorrect and old, they refused to hear it, and told me they were not settling the case as fraud and I still owed a debt. They also could not explain how the card was activated when the perpetrator did not call from my phone on file, and they should not have had any personal information to activate it with. The last time I spoke to Barclays, the agent actually hung up on me, even though I was being completely respectful in trying to get an answer from them. I have a police report, I have proof I have lived in Colorado for 6 years, I have proof the charges were all made in the XXXX XXXX area in XXXX of XXXX when I did not reside there, I have proof my legal name is now XXXX XXXX and not XXXX XXXX, which the card was issued under, and I have proof I have barely charged so much as {$200.00} in XXXX year on my Gap card, let alone {$2000.00} in one week. I would like assistance in claiming fraud on this case, as my credit score has dropped significantly, and this is a burden on my life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80129
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I am writing to address a matter of utmost concern regarding an account held with your financial institution. After a thorough review of the information provided and my personal records, I have discovered that this account is fraudulent as I did not authorize or provide consent for its creation. Furthermore, despite my previous requests, you have failed to provide the required documentation to prove the legitimacy of this account. I urgently request your immediate attention to rectify this fraudulent situation. I would like to emphasize the following key points : 1. Lack of Consent and Authorization : As the account holder, it is essential that I am aware of and provide consent for any accounts opened in my name. However, to my knowledge and records, I have neither authorized nor given consent for the establishment of the account in question. This raises serious concerns regarding the legitimacy and authenticity of the account. 2. Failure to Provide Documentation : As a customer, I have previously requested documentation to substantiate the existence and validity of this account. These documents include but are not limited the following that has yet to be provided to me : 1. Comprehensive Accounting Records : Under the law, a financial institution is obligated to maintain comprehensive and accurate accounting records for each customer 's account. These records should include a complete transaction history, account statements, and any other relevant documentation that supports the calculation of the alleged debt. 2. Provision of Tax Forms : If the alleged debt is related to any tax liability, I request that you provide all relevant tax forms associated with this debt. These forms should include, but are not limited to, 1099-C or other tax-related documents that report the cancellation or forgiveness of debt. 3. Timely Response : It is essential that your institution responds to this request within a reasonable timeframe, typically within 14 days Failure to comply with this requirement may be deemed a violation of applicable laws and regulations. Therefore, I request the following actions from your institution : 1. Removal of Negative Item : I kindly request that you immediately remove the negative item associated with this alleged debt from my account and cease any further reporting to credit bureaus until the debt is properly validated and resolved. 2. Provision of Accounting Records : Please provide me with all accounting records related to my account, including a complete transaction history, account statements, and any supporting documentation that verifies the accuracy and validity of the alleged debt. 3. Provision of Tax Forms : If the alleged debt is related to any tax liability, I request that you provide all relevant tax forms associated with this debt, such as 1099-C or other applicable tax documents. 4. Compliance with Laws : I expect your institution to comply with all applicable laws and regulations. Failure to do so may result in legal consequences and the pursuit of remedies available under the law. Please note that any future communication regarding this matter should be in writing and sent to the address provided above. Any negative reporting to credit bureaus should be immediately corrected and withdrawn until the requested information is provided, verified, and any disputes resolved. Account Number : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 312XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
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: My credit limit is {$13000.00}. My credit was fully used and slightly exceeded. The XXXX XXXX Barclays - company rejected a few minor charges stating declined credit exceeded. Then Barclays accepted a charge for {$3300.00}! and added it to my unpaid balance. I have had repeated conversations with them asking them to reject the charge as they did with other minor charges. I asked how my credit limit was increased and why I was not contacted before they accepted that outrageous charge. The agent indicated that my credit limit was not increased. I asked then how was such a large charge accepted. They told me they would open a dispute and it would take 45 days. I told them it took only one day to add the bogus charge to me account, exceeding my limit and not contacting me prior to clearing the charge. Their repeated answer is " the charge went through ''. I insisted they reverse the charge and credit my account. They have not done so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33618
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023 I was traveling in XXXX XXXX, XXXX and stopped at a XXXX XXXX XXXX in XXXX XXXX to get gas. I handed my card to the clerk to pay for gas. He turned towards the pump to ring me up, which caused his back to be to me, to charge the transaction. He acted like the card wasnt reading. After he turned back towards me I noticed he had the card reader in one hand and his cell phone in the other which I thought was strange. He returned the card to me, I left the gas station and immediately pulled over to lock my card as I had a feeling something shady had just occurred. It was too late as the charge for gas was on my account as well as another charge for {$1300.00}. I immediately called Barclays to report the fraud. I also attempted to find a police station while on the phone with Barclays to report the theft. If they have the phone recording of our call, you can hear me clearly very distressed. I waved down a policeman and attempted to ask where the police station was. I also tried to tell him that my credit card had been stolen by the gas station attendant. Unfortunately, Neither of us understood the other. Due to the language barrier and XXXX maps providing incorrect information, I never found the police station after over an hour of searching. I did the only thing I could think of to hopefully help other travelers avoid this situation/gas station and posted my experience on a XXXX travel forum on XXXX. Barclays initially removed the charge. Then, on XX/XX/XXXX I received a letter from Barclays dated XX/XX/XXXX stating they determined the card had been in my possession and the charge was valid. The card was absolutely not in my possession, it was in the possession of the gas station attendant who ran a fraudulent charge and illegally stole my information. I called Barclays who informed me I needed to fax a signed statement as to what occurred. I submitted this statement on XX/XX/XXXX. On XX/XX/XXXX I received another letter from Barclays dated XX/XX/XXXX saying that they determined I was responsible for the charge as I failed to maintain security of the card. I am dumbfounded by this finding. I had to pay for gas so I had to hand my card to the attendant. I did not know he was running an illegal, unauthorized, fraudulent charge on my card until after I left the gas station and checked my account. I am shocked at Barclays handling of this situation. I have had an account with Barclays for several years. I have never missed or been late on a payment and have never had a fraudulent charge before this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
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 called barclays and reported my credit card which I paid off over a year ago had payments on it I did not recognize they said they would do and investigation and would let me know what they found out and that I would not have to make a payment and it would not effect my score until they finished their investigation. this has been going on for over 3 months. Barclays sent me a new card canceled the other card and I was waiting to find out about the account I called them again after noticing that they said that XXXX and XXXX were on my card but those were subscriptions that automatically came from the card which I don't know how long I had that set up on the card. I explained I don't have the card that is why I asked for another, each time I called back because the new card kept showing and amount past due and a {$2000.00} dollars a month which they said they credited me for the fraudulent stuff they found not the card but now the other amounts of a card I don't have. they also did not keep their word on not having it placed on my credit report until they finished the investigation and this was stated by there customer service and fraud department. I checked my credit report today and it says that barclays has me 30-59 days late on my payment. I spoke with over 6 people and keep getting transferred to another customer service agent. they have tried to rewrite what My original statement was from not recognizing anything on the credit statement, to I called in to say that the XXXX and XXXX is the fraud which I called in to check which was not my original complaint. I keep explaining that yet they refuse to resolve my issue I agreed that I have a XXXX and a XXXX so if those are subscriptions they come out automatically. Barclays now wants to send me all of my statements to check and see what could possibly be mine on there and fax it back to them when I already explained I do not have the card and did not recognize any of the items on the statements. yet they have placed it as late payments on my credit report which has taken my XXXX XXXX down to XXXX on a perfect credit payment history for years and that is the only bad mark I have on my barclays card. I want my score corrected until they finish the investigation and clear up the debtXXXX case number Barclays call back 2 days. XXXX. XXXX spoke too on XX/XX/2023 spoke about why do I have a balance left and when I explained to them about not recognizing any of the charges they told me about my XXXX and to contact them about return of my amount because of the missing card. They said the amount deals with other charges not involved in the investigation. XX/XX/2023 XXXX could not understand her accent and kept repeating the same thing over about me owing interest and a past due balance of the account. XXXX XXXX not resolved XXXX is not a supervisor Legal Department - fax number XXXX mark account Id XXXX circle and fax them back for investigation 7 to 10 business days to finish.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30338
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
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: On XX/XX/2023, there were four fraudulent charges made on my Barclay 's card to XXXX. I disputed the charges. I received notification that fraud was confirmed. My card was then charged for one of the charges in the amount of {$290.00}, on XX/XX/2023. I called Barclays and they indicated that XXXX provided information that the charge was made by me. I asked to provide information that the charge was not made by me. They would not accept such documentation and told me I must resolve the issue with XXXX. XXXX will not refund the amount, which I informed Barclays. Barclays will not remove the charge, nor will they allow me to show that the charge was fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21037
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A