Date Received: 2023-05-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My complaint concerns Barclays Bank Delaware. I opened my online savings account at Barclays Bank in XXXX, and in the eight years since, I never had any problems with this account until last week. Barclays allows customers to link up to three external accounts for fund transfers. I already had two linked external accounts, and decided to add a third account which is an established savings account I have had at XXXX XXXX XXXX since XXXX. On XX/XX/XXXX I entered the required account and routing number to set up the third account on Barclays website, and shortly after received an email from Barclays stating that two small trial deposits would be sent to the XXXX XXXX account within 2-3 business days ; I would then need to log back into my Barclays account to verify the trial deposit amounts to finish linking the account. It should be noted at this point that I was not attempting to transfer any funds, I only wanted to add this account for possible future transfers. On the evening of Monday, XX/XX/XXXX I received another email from Barclays stating that my account access had been suspended. No reason for the suspension was given, but the email requested that I call Barclays Customer Care " so we can review recent activity on your account and restore your access. '' I called Customer Care on the morning of Tuesday, XX/XX/XXXX and was told my account had been suspended because they needed me to email them a bank statement from the XXXX XXXX account that I had recently tried to link. I was given an email address to send the statement to, which I immediately sent. I was told it would probably take " around three business days '' for my online access to be restored after they received the copy of the bank statement. Interestingly, the two trial deposits were made to the XXXX XXXX account on XX/XX/XXXX, but since I had already been completely locked out of my Barclays account the day before, I had no way to verify them. More than one week has passed since my account was suspended, and I am still completely locked out of my Barclays account. I have sent Barclays copies of the XXXX XXXX bank statement twice in the past week, and so far they have not responded in any way. Any assistance you can provide to recover my savings and restore my account access will be greatly appreciated. Please feel free contact me if you have any questions or need additional information to resolve this nightmare.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72956
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX XXXX XXXXWhen making a payment for my monthly credit card statement, their system credited the payment twice. Called company when noticed, 2 hours later, which they said was too late to do anything about that day. Called supervisor the next day, was told theyd credit and also pay back any overdraft fees. 8 days later, payment isnt credited and theyre now saying 30-60 days to get it back to me. They took 2 {$3000.00} payments out of my account. I had to borrow the money to make sure it didnt overdraw my account..didnt believe theyd take care of the fees as they said. Now, I dont have any money to pay any of my monthly bills. Why would it take 30-60 days to resolve an issue their system caused??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: THESE INQUIRIES were not authorized. Please remove it immediately. I understand that Hipaa does allow for limited information. and I didnt give anyone permission to run my credit. Please provide a copy of my signature
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92882
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: RE : Advantage Aviator Red World Elite Mastercard credit card account The transaction I am disputing is from the merchant XXXX XXXX XXXX XXXX for the dollar amount of {$1200.00}. from XXXX XXXX. I have reopened my case multiple times and Barclay 's ruled against me. XXXX XXXX I received a Free Fraud Alert Courtesy text from Barclay for this charge. A couple hours later I call Barclay and deny all charges from said merchant. One charge makes its way onto my next billing statement. I call the fraud/dispute department and they began an investigation. I have reopened my case multiple times and Barclay 's ruled against me. They still have never contacted the merchant. I have been a loyal customer for years almost always paying off the entirety of my bill and 99.9 % of the time on time. I refused to pay the bill and canceled the card. My credit score has dropped from XXXX to XXXX due to this unjust ruling. Bottom Line- they flagged the charge as fraud, I called them the same day and denied the charge saying it was fraud. They should have a recording of me denying the charges. Somehow they are still trying to hold me responsible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97206
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: According 15 USC 1681b ( a ) ( 2 ) I did not give this company any written instruction to check my report. Please send me proof with my written permission with my signature stating that I gave you permission to obtain my consumer report/credit file. company name : BRCLYSBANKDE/ Dates : XX/XX/XXXX and XX/XX/XXXX. Remove immediately, this is in violation of the FCRA
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In XX/XX/2023, I went on to the Jetblue Barclays website in order to set up a repayment plan for my credit card account, as I received emails from Jetblue/Barclays offering alternative repayment options. I set up what I thought was a repayment plan that would allow me to get back on track after falling in financial hardship due to recent XXXX XXXX. I didnt realize the repayment plan option that was given to me online would close my account as it wasnt explicitly displayed on the site ( also all of the other credit card companies I called that day to set up a payment plan with didnt involved the account being closed ) resulting in me overlooking that important detail. Im asking that because this error/over-site occurred less than a month ago, that my account be reinstated. Ive worked so hard over the years to build my credit and this would be devastating to my future financial health.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10026
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Barclay XXXX reissued a card because the 1st one was returned in mail. No change of address, just got sent back. Was told that card reissued on XX/XX/XXXX and account was closed XX/XX/XXXX. Never received a letter that is was going to close and no letter it was closed. No one can tell me why it was closed and proper protocol did not happen. Been a card holder more than 10 years, no late payments. Why would they resend a card out and then close the account 3 days later? Log onto my account on XX/XX/XXXX and that is how I found out that it was closed. Barclay said there is no way to reactivate the account as it has been 30 days. Received no letter on anything, now my credit is marked for an closed account and now tried to apply again and my application is under review. Get penalized as my account was closed, no one can tell me why and credit gets marked and application is under review. Makes no sense and Barclay should be held liable for randomly close someone's account and not following company procedure. Also my credit score is above 750, which is excellent. After talking to the supervisor as she verified my address, I receive an email saying that I had a change of address. I called and was told that there was no submittal form on my profile requesting a change of address, so this supervisor lied and had an email send for a request for change of address. Sounds like a lot of improper information and Non truthfull statements from Barclay
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98072
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, last month I've tried to reach out to the credit bureaus to get two charge offs accounts verified/ removed and they weren't able to do it. The first account is BARCLAYS BANK DELAWARE {$2100.00} and the other account is XXXX XXXX XXXX {$4800.00}. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, I have some charge offs and collection accounts listed on my credit profile that are ruining my credit and I've reached out on multiple occasions to the creditors and they weren't able to verify accuracy or remove the charge offs or collection accounts. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I sent the request in letters to BARCLAYS BANK DELAWARE with regard to the method of verification and proof of documentation, but they failed to provide the documents requested. I find this company fraudulently charging amounts that I am not liable to pay. I highly demand that this fraudulent account should be removed immediately from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A