Date Received: 2023-06-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Hello, to whom it may concern, My identity has been stolen, and 6 institutions did a hard inquiry on my credit report, and i didn't authorize any of them. I'll list the 6 below, please help remove these from my credit report and prosecute the offenders that stole my identity. ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX I called XX/XX/23 ( XXXX ) Barclays Bank of Delaware XXXX ( XXXX ) XXXX Application # XXXX, XXXX XXXX, was denied Called XX/XX/23 ( XXXX ) XXXX XXXX XXXX XXXX ) XXXX Account ending in XXXX Amount owed {$7500.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Card issued XX/XX/23 I called them XX/XX/23 ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX called XX/XX/23 ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help prosecute all offenders to the extent of the law and PLEASE help remove all this fraudulent activity from my credit reports. 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: XXXXX
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I am in receipt of a letter from Barclays Online Banking that I opened an account. I have called every phone number I could find to discover how they opened this account. They refuse to give me any information at every number I have called. I finally wrote a letter to an address I got Barclays XXXX XXXX XXXX XXXX DE XXXX. Still no answer. Of course I have serious concerns on how this account got opened and what information was submitted for them to open this account. I also want to confirm the account is closed. I can not understand why this bank after many calls and a letter they refuse to reply.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: MDear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a formal complaint against Barclay for their refusal to grant me online access to my account and their lack of responsiveness in allowing me to speak with a manager in a timely manner. Additionally, I am facing difficulties in making bill payments, with no available resolution to remove negative marks from my credit report. I have been a customer of Barclay for 3 years apparently. However, despite numerous attempts to gain online access to my account, I have been repeatedly denied without any valid explanation. The lack of online access severely limits my ability to manage my account effectively and stay updated on my financial obligations. Furthermore, when I have attempted to speak with a manager to address these concerns, I have faced significant delays and obstacles. Customer service representatives have been unhelpful, unable to provide appropriate solutions, and have not escalated my concerns to the appropriate level. Another issue I am facing is the absence of a clear resolution for paying my bills and resolving any outstanding debts. I am willing to fulfill my financial obligations, but I have not been offered any viable options to pay off my debt and have it removed from my credit report. I kindly request the following actions : 1. Investigation : I request that the Consumer Financial Protection Bureau conducts a thorough investigation into Barclay 's practices regarding the denial of online access, lack of responsiveness, and failure to provide appropriate payment resolutions. 2. Remedial Actions : I ask that appropriate actions be taken to ensure Barclay provides me with online access to my account, facilitates timely communication with a manager, and offers a feasible resolution to pay off my debt with the removal of negative marks from my credit report. 3. Enforcement : If any violations or non-compliance with relevant consumer protection laws and regulations are found during the investigation, I urge the Consumer Financial Protection Bureau to take appropriate enforcement actions to hold Barclay accountable. I have attached relevant documentation, including correspondence with Barclay, to support my complaint. Please find them enclosed for your reference. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89117
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Account numberXXXX his is for banana republic Barclays credit department In accordance with the fair credit reporting act XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to Privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 Use 1666B : A creditor may not treat a payment on a credit card account unlearn open end consumer credit plan as late for and purpose. Please fix to show no late payments since this was your fault for understaff during covid 19 and could not accommodate pay by phone within 24 hours.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19014
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I sent a payoff check to Barclays in XXXX and they signed for it but lost it. I had the bank apply a stop payment and send a new check. Barclays cashed my second payoff check in XXXX, for {$10000.00}, but as of mid XXXX never applied the payment to my account. They said they have no record of it although I have a copy of the cashed check with their endorsement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 804XX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/23, I was notified that my Choice Privileges Visa card with Barclays would convert to a Choice Privileges Mastercard with XXXX XXXX on XX/XX/23. On XX/XX/23, I mailed the attached cashier 's check in the amount of {$8600.00}, with the attached XXXX statement to Barclays. On XX/XX/23, the cashier 's check cleared my bank, but was not credited to my account prior to converting to XXXX XXXX on XX/XX/23. The attached May statement from XXXX XXXX for the period XX/XX/23 to XX/XX/23 does not reflect the $ XXXX made to Barclay on XX/XX/23, and includes additional interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01085
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I had 3 business days to decide to void a purchase. Part of this XXXX XXXX purchase included the Barclays XXXX credit card being added. I received money for the credit check. I later canceled the XXXX XXXX within the 3 business days in which i also wanted to cancel the credit card since I'd have no use for it. I called and they said i needed to wait for the card to arrive. I simply don't want the bill since I'm not using it at all and attempted to cancel within reasonable time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07104
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: two cash advances were made on my Barcaly Bank credit card for {$1000.00} to XXXX XXXX XXXX. I did not make either cash payment/advances. I tried from the alleged vendor making the charges and Barclay Bank and can not get any resolution. Please see upload of information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: In the past six months I have received notices, after the fact and reported information sent to my credit reporting agency that my credit usage on my credit cards ( 3 ) to be exact were lowered. Aside from that, the interest rates are increasing to no end. This is unconscionable and unacceptable. I have been a long time consumer with no late payments and always paid more than the minimum due. They had no right to lower my credit line when they are being paid on the due date on a timely basis. Then they increased my interest rate without any notification whatsoever. They are nickel and diming me and this has become a problem. How is anyone supposed to keep their credit score and obtain credit when they notify the credit reporting agency of these issues as well as increase the interest and minimum due. Something needs to be done about this! This can not go on forever and it isn't the first time as you can see from my prior complaints. Whats the purpose of this when you, the CFPB, find this acceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57104
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A