Date Received: 2023-05-18
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 personal identifiable information was leaked and compromised in late XX/XX/2023. On XX/XX/2023, I received an email for an order placed with XXXX for my Old Navy Barclays credit card. I immediately noted that there were unauthorized transactions on my Old Navy Barclay account including one for {$1300.00} ( there was another transaction on the same day, XX/XX/XXXX that was to same vendor and over {$1000.00} that they blocked but they let the XXXX go through ). I disputed the charge with Barclay and sent them information and my dispute has been denied 3 times. The rationale is that the merchant has matching information to my identify. I have let them know that it will match because my information was stolen, and they would not have been able to purchase on my card if they did not have matching information. I have a receipt that includes the email where the XXXX tickets went to ( not mine ) and filed a police report. I don't think Barclay is being fair and currently that charge is still on my account. This may be potential UDAAP and Reg Z issues. Can the CFPB please assist me in resolving this matter? Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: This morning XXXX I received a credit alert from XXXX of a new credit inquiry that I did not initiate, and then later an email from XXXX saying thanks for electing to go paperless with my new XXXX XXXX XXXX XXXX XXXX that I did not sign up for. I have had absolutely no interaction with XXXX and did not request a credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 276XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am inquiring about two accounts with the name of BRCLYSBANKDE. The account numbers are : XXXX & XXXX. I was not provided accurate consumer disclosure files under FCRA Section 609 ( a ) ( 1 ). I am also requesting the dates of first delinquency, as well as the FCRA compliance dates, along with the name of the party who reported the dates of first delinquency. I was not provided this information. My rights dictate my ability to obtain this information. I believe these two accounts are being re-aged, which is an illegal practice under consumer protection laws. Please remove these two accounts from my credit report immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 189XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a Barclays XXXX XXXX XXXX credit card on XX/XX/XXXX. Barclays didnt approve my application due to me having a previous Barclays account which was discharged under XXXX XXXX Bankruptcy in the United States District Court District of Minnesota Bankruptcy Court on XX/XX/XXXX. I am trying to rebuild my credit and thats why I applied for the Barclays XXXX XXXX XXXX credit card. Barclays Bank is discriminating against me because I had the previous Barclays Bank account discharge in bankruptcy court. Barclays Bank has violated The Equal Credit Opportunities Act ( ECOA ) under federal law by discriminating against me and denying me credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55343
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Hi, I had a gap credit card that was sold to barclay bank. Gap transferred all of my info including my checking information. I automatically set up my payments with ll my credit cards. Once gap sold to barclay, they stop the automatic payments unknown to me. I call and requested help with the late reporting. They decline to help me. They said the did have my checking info to pull the payment but the automatic stop once the account was transferred. I just need help. I have never been late with gap and now the killed my score and cause XXXX to cut my credit once they saw the 60 days late. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: A one day late payment occurred due to a critical family emergency. Not a 30 day late, just 1 day late. I paid the monthly payment. A late was added to my account and Barclays lowered my credit limit by {$1500.00}. Which lowered my overall credit and raised my debt to credit ratio and lowered my credit score. Once they added the late fee all the other steps they took against me are illegal. They raised my credit limit without my permission and lowered it all in less than a year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48076
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have this " XXXX XXXX '' gift card for a few years. Because of Covid and other health related situations, I have not used the gift card until yesterday. I always write down the balance on the card ( {$110.00} ). Surprizingly, I was told yesterday there is almost no blance on the card ( XXXX cent ). I contacted XXXX XXXX customer support and requested a transaction history. I was told that they do not have transaction history. I live with my husband and no one gets access to my storage. There is zero chance that this gift card gets used unless there is some fraud involved. It happened before years ago that a store clark used one of my gift card. I suspect something similar to it might have happened on this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89135
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I cancelled my credit card with Barclays via the phone on XX/XX/XXXX. The total balance due was {$36.00}. I sent a letter acknowledging that on XX/XX/XXXX along with a check for {$36.00}. Barclays never closed the account and never deposited the check. As a result of Barclays incompetence they have decided to ruin my credit. My XXXX score went from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. I have copies of the letter to Barclays and they certainly have my phone calls recorded. I own a successful multi-million dollar company, am totally debt free and can/and do pay cash for my purchases. What Barclays is doing is wrong on every level. Ask them to pull the recordings of our conversation on XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23235
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have GAP credit card which was on auto-pay. Back in XXXX, XXXX bank was changed to Barclay because of which my autopay was removed. This caused a late payment fee on my XXXX, XXXX month payment. I called the bank and requested them to waive the late payment and pay off my remaining balance. Barclay representative said your late payment is waived and you can pay the remaining amount on the call. I did that and since then I'm getting late payment charges. I had a chat with them again in XXXX, XXXX and again Barclay Representative said that its all clear from our end, there are no charges. Now in XXXX, XXXX they reported it to my credit history. I Called them 10 times and they are just transferring my calls to different department and they disconnect my it. Never calls back. I want to report against barclay because of this behavior.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I signed up for the Barclay AAdvantage Business Card on XX/XX/2023 for sign up bonus of XXXX miles and {$95.00} statement credit. I had until XX/XX/2023 to make a minimum {$2000.00} purchase for the sign up bonus. I didnt realize that annual fee does not count towards the minimum spending. I called Barclay on XX/XX/2023 where I was told that I met my minimum spending requirement and that my sign up bonus should be in my account in the next statement period, which obviously didnt come. I called again today and I was told that nothing could be done, even though I was given FALSE information by Barclay and therefore I didnt receive the sign up bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92373
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A