Date Received: 2023-06-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received a hard inquiry with XXXX on XX/XX/2023 for Barclays Bank Delaware and this was not me. Someone used my information to attempt to apply for a credit card with this bank. I called the Bank on XX/XX/2023 and advised them this was fraud and they notated it are reported it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97478
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2023 I received a Hard Inquiry with XXXX from Barclays Bank Delaware. I called the bank on XX/XX/2023 and I spoke with the Fraud Department and I stated that the application that was attempted to open with my information was not me and they reported it as fraud and reported it with the credit bureau.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91745
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have previous been a victim of fraud my credit report emailed me about suspicious activity from Barclays Deleware Bank and there was in the past from XXXX XXXX XXXX where someone opened up accounts in my name. I can confirm I did not open up any accounts. The account states it was open XXXX XXXX and it put a hard inquiry on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95841
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I called in XXXX to make payments to my 2 Barclays credit cards, I didnt have access to my accounts and spoke with a customer service member. He confirmed that payments would be made to both accounts, in which I asked twice because I had a hard time understanding him. I then received notice I was 30 days late, I called and was told it would be corrected and any fees would be reversed. The fees were reversed but late payment was never corrected. Ive called over a dozen times and told it will be done. Today, I called twice and after being on hold, its disconnected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53590
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Barclays promised XXXXXXXX XXXX XXXX so I applied in late XXXX receiving the application on a FRONTIER flight. They awarded me an XXXX XXXX XXXX but did not give me the free miles. I have the XXXX XXXX but wanted a Frontier airlines card. I applied to Frontier again on a subsequent Frontier flight and this time was awarded the Frontier card. ( I travel to OHIO to visit my XXXX XXXX XXXX mom XXXX times a year ) They again promised the XXXX miles but never gave it to me. XXXX. ) XXXX XXXX The first card said it was because I did the pay the yearly fee. I tried to pay the yearly fee but they waived the fee so I was unable to pay it. I tried the contact them on several occasions from late XXXX until now. XXXX. ) FRONTIER CARD. In the meantime, the Frontier card came in the mail. I followed the instructions as told to me, but did not get the miles. Both times I was promised XXXX free miles ( value of {$600.00} for each airline ) and told I had to perform the following to get it. I had to XXXX. Pay the Yearly fee and B. Use the card in the first XXXX days. Both of those things I attempted to do for XXXX and did do for Frontier. In XXXX of XXXX, I contacted my attorney at XXXX XXXX ( XXXX ) and he sent them a letter. In response to the letter, they set up a power of attorney. I never asked for that. Now I don't even get my statements. They go to XXXX XXXX which is my legal shield attorney. He sugessted that I contact you. Please help me. XXXX XXXX ( XXXX ) XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85383
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
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 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose. 46.4K 492
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 316XX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
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: This compliant involves Barclay Bank US and XXXX XXXX. I am a XXXX XXXX XXXX XXXX XXXX XXXX I purchase for an airline ticket from XXXX XXXX. I paid in full for an airline ticket from the merchant XXXX XXXX using my XXXX XXXX XXXXXXXX Miles XXXX on XX/XX/XXXX I have been receiving back charges and duplicate amounts for various amounts from XXXX XXXX since then, some of the charges have been refunded but they continue to be imposed on my credit card even after being resolved initially. The original charge was under the merchant XXXX XXXX on XX/XX/XXXX The following are some of the recharged and duplicate amounts and the dates they were charged. XXXX XXXX recharged XX/XX/XXXX original charge XX/XX/XXXX XXXX was reversed on XX/XX/. XXXX XXXX recharged XX/XX/XXXX original charge XX/XX/XXXX Charge was reversed on XX/XX/XXXX XXXX XXXX XXXX charged on XX/XX/XXXX XXXX XXXX. XXXX charged on XX/XX/XXXX XXXX XXXX XXXX charged on XX/XX/XXXX XXXX XXXX. XXXX charged on XX/XX/XXXX XXXX XXXX XXXX charged on XX/XX/XXXX XXXX XXXX XXXX charged on XX/XX/ recharged XX/XX/XXXX and XX/XX/XXXX I have tried to reach out to Barclay Bank US and XXXX XXXX XXXX order to resolve the charge backs and excessive charges but both parties have not responded. I contacted both parties via email, phone calls, live chats, and letters but neither Barclay Bank US or XXXX XXXX have reached out to me to resolve the issue. Barclay Bank US continues to rebill the charges from XXXX XXXX even after refunding them. Efforts to contact continue to remained unsolved while hundreds of dollars of charge back have been incurred.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96815
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am grateful that the CFPB expects companies to provide complete, and accurate responses to consumer complaints, and responses tailored to the issues described in each consumers complaint, yet in an original complaint against Barclays JetBlue World MasterCard being either lost, stolen, or cloned, their response for the investigation they allegedly made, appears in itself fraudulent, and totally invented. Throughout Barclays FRAUD DEPARTMENT investigation, the company failed to properly manage, respond correctly nor in a timely fashion, to my credit card dispute and fraud claim, as per law, and continue to post their debt collection on my online credit card account. After receiving Barclays Fraud Department XX/XX/XXXX, response to the CFPB, I found four phone conversations with their Fraud Department that I forgot I recorded which are all very contradictory and prove Barclays kept prolonging their investigations, after re-opening of the case just after I called and complained that they returned all the unauthorized charges for me to pay. This newly found evidence assures me that Barclays Fraud department never fully investigated the matter as per their apparently fraudulent response letter to my CFPB complaint. The mutually agreed upon recorded phone calls are months apart from XXXX to XXXX, when I was so tired of speaking hours on the phone altogether, faxing them more and more documents, so I asked my daughter to please follow up. The newly discovered lengthy phone conversation recording I have on an old phone in my possession include one with Barclays XXXX XXXX on XXXX XXXX, XXXX ; Barclays Agent XXXX XX/XX/XXXX, Barclays Agent XXXX on XX/XX/XXXX ; Barclays Agent XXXX on XX/XX/XXXX. All of them insisted the investigations could take up to 90 days but they kept taking more. Apart I have written records of calls with XXXX on XX/XX/XXXX at XXXX who insisted on having a police report made ; with XXXX the manager of the fraud department made on the last Monday, end of XX/XX/XXXX, among others. In Barclays response letter to my CFPB complaint, nothing makes any sense. First it claims I received a fraud alert from them on XX/XX/XXXX and then a passcode to unlock my adult daughters authorized users card because she was traveling, when in fact I never received an alert from Barclays, nor a passcode to unlock her card, but originally phoned the Fraud Department from my Florida, US landline and told them to cancel the card because I was alerted of suspicious activity ( by my computer security program and not from Barclays ) on my daughters card while she was already in XXXX XXXX. Further proof that Barclays response to its investigation of fraud is their response to my CFPB complaint also states, The representative confirmed with you the transactions were reported as fraud, and informed you he would be closing your authorized users card ending in XXXX and replacing it with the above-referenced card ending in XXXX. In fact, in the documents I sent, such as credit card statements, all the charges made on XXXX XXXX were already made from the card ending in XXXX and not ending in XXXX ; so this Barclays stated fact is impossible and further proof of their apparent investigation fraud. Upon receiving my pcs program message to check the credit card account, I immediately saw online large amounts of temporary authorization transactions, so that is why I originally instantly called Barclays to cancel my daughters additional card knowing something serious was wrong since we have never been in the habit of charging such large sums of money and in so many places on the same day. From my Florida, US landline, I finally could reach my daughter on XXXX XXXX, XXXX, not until the afternoon, who was on an emergency 2-day trip in XXXX XXXX XXXX She told me the card was either lost, stolen or cloned because the last XXXX times she used her card in XXXX XXXX was the previous night at a XX/XX/XXXX just near her two-night XXXX rental and then at a late dinner at the restaurant XXXX, leaving just at their usual closing time, before going to sleep. She did not realize until later the same day that her card was missing from her purse since at that restaurant XXXX, they hung up the ladies purses. The next day she told me she called XXXX to talk to the manager who apologized profusely for all the confusion and offered to refund her dinner of {$40.00} which they did shown on my statement period XXXX, since they recognized their responsibility and her innocence and could not explain why her card was missing from her purse. I told her not to worry since I called earlier the same day to Barclays to cancel her card over this fraud and was assured by Barclays that we would not be charged for all the unauthorized charges. Barclays did not say at that time that they would ever return the charges to a later bill nor mention she had to get a police report. Further proof of Barclays invented statement in their response to my CFPB complaint, is if as they state her card was locked, why were charges on her card ending in XXXX even temporarily authorized? I sent Barclays screenshots of the charges appearing on XX/XX/XXXX online and even over the phone questioned them about the time of day they were made and exactly where, seeing that the unauthorized charges were made way after midnight on the XXXX and beyond after I even phoned them early in the morning on XX/XX/XXXX. Next in their response to my CFPB complaint, Barclays states that I said I was in possession of both cards, which is obviously impossible due to the dozens of unauthorized purchases in XXXX XXXX and the fact that I was calling from my Florida landline in the US both on XX/XX/XXXX. At first Barclays took off the reported charges starting the same day, then they reinstated them some two months later which is causing my family extreme hardship since the total unauthorized charges made were over {$3300.00} plus the interest they are charging since I can only afford to make minimum payments on such huge bill for purchases my daughter never made nor authorized, nor received. Over the course of all this time, we have had to conduct our own investigation and sent Barclays over 20 pages of diverse documents of proof and a letter explaining all the minutest details. In the meanwhile, Barclays would send us many misleading letters that were contradictive saying she was the same day responsible and the same day not and so on including letters about her being responsible for the XX/XX/XXXX, XXXX charge which we never disputed nor other charges on XX/XX/XXXX. On other occasions Barclays also asked my daughter to provide more proof such as a police report when it was impossible for her to return to XXXX XXXX to acquire one in a timely fashion in times still of XXXX, so instead, she wrote the receiving company of many of the charges. XXXX XXXX, to send us copies of the bills and when we received them contained many different fraudulent signatures claiming they were hers so we also sent that to Barclays as proof her US passport with her legal signature Later when her US passport expired months later, Barclays demanded to send a copy of her new passport and as well she did. According to our own investigation XXXX XXXX is a credit card phone service application for small merchants used in XXXX XXXX Their three bills sent to us included long lists of separate charges on a single invoice. The three different invoices we received from them were at establishments and times when they are reported online as closed. During the course of our dispute, Barclays would send us misleading letters, some separate on the exact same date saying we were responsible in one, and on the other hand not responsible in the other. I included sending them copies of their contradictory letters. CFPB claims online if there is unauthorized use of your card before you report it missing, the most you will owe for unauthorized charges on the card is {$50.00}. Many cardholder agreements say you are not responsible for any charges in this circumstance. If you have not lost the card itself, but someone steals and uses your account number, you generally have no liability for unauthorized use. Apart from all of the above, the listings of the temporary authorizations that were appearing on my online Barclays account on XXXX XXXX, XXXX, and relisted in my following XXXX statement were different, mostly from the vendor XXXX XXXX and not from each establishment, and did not correctly mathematically add up. The establishments were all over XXXX XXXX where my daughter was not in possession of a vehicle and another charge included was a very far away gas station with very poor online reviews of previous frauds. Finally Barclays is responsible for their inaccurate information and failure to investigate my dispute adequately and for their apparent fraudulent response to the CFPB. I would like Barclays to compensate me for all my losses plus interest which are described and detailed in my original complaint, plus punitive damages for all my time and duress. I have also reported their shoddy fraudulent findings to the ReportFraud.ftc.gov FTC complaint on XX/XX/XXXX, and intend to file a FDIC complaint, consult lawyers about opening a lawsuit, as well as reporting Barclays to the BBB for their misconduct. Thank you for your kind consideration of this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: At the end of XX/XX/, I called to request my JETBLUE BARCLAYS credit card be closed as it was not an actively used card but more importantly i did not want to continue paying an annual fee on a credit card ( JETBLUE BARCLAYS ) credit card wasn't in use. The {$99.00} annual fee far outweighed the benefits i was receiving by keeping the card ( JETBLUE BARCLAYS credit card ). I had a reasonable expectation that my request was completed as requested, therien there would not be any further fees or charges on the mentioned credit card ( JETBLUE BARCLAYS credit card ). I felt confident that i would not have to monitor this card going forward as it would be closed. To my dismay and shock, i received a message saying that i was delinquent due to an annual fee of {$99.00} that was assess on the card, that i requested closed at the end of XX/XX/2023. I made the payment in full ( {$99.00} ) to avoid any negative impacts and called Jetblue in the attempt to resolve the issue. The consequences of the card not being closed as requested has resulted a significant decrease on my previously stellar credit score with an additional 7 year remark on all 3 credit reporting agencies. This has and will cause me a significant financial burden on future financial ventures i am planning.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11580
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XXXX of XXXX, Barclays gave me a late payment from a payment for a couple XXXX bucks that I was trying to pay on their app. Their app was malfunctioning by not letting me login then showing errors when I went to make the payment. I reached out to them via phone and they said it would be fixed. I then got a late payment when the payment was not even 30 days late at that point. They also did not notify me that the payment was going to be late. I then called on XX/XX/2022 and they raised my limit back up but did not help me get this late payment off of my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A