Date Received: 2023-05-05
Issue: Problem when making payments
Subissue:
Consumer Complaint: This is a new loan. The first payment is due on XX/XX/2023. On XX/XX/2023 I contacted the bank and explained that I wanted to make my first monthly payment of {$540.00} as I like to make all of my payments early to stay ahead of my bills. The customer service rep told me that there would be no issues at all and a payment would be credited towards my first monthly payment and not towards the back end principal. After the payment had cleared I noticed that the due date for my next payment due had not changed and was still showing due on XX/XX/2023. I called the bank and explained the situation and was told that the payment was made too early and there was nothing she could do to change it and that I still needed to make a payment before XX/XX/2023. I again explained to her that I made sure to call and ask before making the payment because making a second monthly payment in the same month was not possible. She explained again that it was on me to just deal with it. I asked to speak with a supervisor. The rep put me on hold for 12 minutes only to come back and say that there were no supervisors available that he was on a lunch break. Again she stated that I had to make another payment before XX/XX/XXXX. After this back and forth she placed me on hold for an additional 32 minutes only to tell me to call back later. There is nothing in my contract stating how early I can or can not make a payment towards my loan due date. It only states that it can not be late. I also have the phone call with the first customer service rep telling me that a payment on XX/XX/XXXX would be credited towards my XX/XX/XXXX payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29073
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have contacted the company directly on many occasions over the phone. I keep being told that they will not accept payment on my debt and that my debt has been discharged. Ive been told several times and I even sent the credit bureaus a credit report challenge letter to look into the matter. I am trying to repair my credit and the company will not allow me to make a payment to settle the account and they will not remove the negative mark on my report either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33907
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Barclay savings account opened on XX/XX/2023 and external account ( I'm an owner ) added. On XX/XX/2023 at XXXX XXXX ET, received email that my savings account access was suspended due to my external needing to be verified ; I called Customer Service immediately and was advised that I need to send in my external bank statement to their fraud department email address. I called again on XX/XX/2023, and was advised that the fraud department received my documents and would be reactivating my account on XX/XX/2023 evening or on XX/XX/2023 at the latest. That did not happen as advised. I called on XX/XX/2023 at XXXX XXXX ET and was advised that fraud department was closed and my account is still suspended. They advised me to call back again next week. This is ridiculous as the trial deposits already showed up on my external account ( that means the verification progressed ). I need to have my savings account re-activated as soon as possible, and Barclay is not moving forward appropriately and timely.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08854
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2023, I requested Barclay Bank to validate the debt, in which, they claimed I owed. The account XXXX and a balance of {$1300.00}. As of XX/XX/2023, this company has not responded to by letter validating this debt belongs to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27886
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Barclays has been putting a hold on all of our payments since XX/XX/2022 for 7 to 10 days when this issue was raised to them so that means we are paying additional interest to the balance while the payment is not getting posted. This should be illegal. The agency should open an investigation to this illegal practice by Barclays
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90806
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I payed my XXXX XXXX card off in full over the phone on XX/XX/22. On XX/XX/22 they charged me an interest charge. I have talked to the company multiple times. Everyone I speak with says it doesnt make sense and I shouldnt have been charged, yet I am still getting interest compounded due to this fraudulent charge. The last person I spoke with claimed to have removed all interest charges on my account and close my account. A week later I received another bill.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39042
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2023 I requested Barclays to provide validation that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay. On XX/XX/2023, they responded with a statement, which is not what I requested. A statement isn't the same as a evidence bearing my signature. Therefore, I sent a follow up letter on XX/XX/2023 requesting a signature to verify that this account belongs to me. Therefore, Barclays is in violation of the following. 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77040
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
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: Barclay credit card was paid in full minus the {$720.00} for an XXXX cellphone that I never recieved from XXXX XXXX XXXX XX/XX/2019. They didnt have the cellphone in the store, they claimed the only way to get it from the warehouse was to pay. I paid waited 45minutes couldn't wait anymore had to go to work. They gave me a small pink receipt for what would be a refurbished phone but I paid full retail price for a new phone that I never saw nor received. I told them to cancel the order the next morning less than 24 hours later they refused. Now my credit report is showing a charge off and balance due of {$1500.00}, when I owe them nothing. Barclays and XXXXXXXX XXXX are praying on the little guy. I dont owe for a phone I never recieved. XXXX XXXX XXXX bate and switched me. Barclays is trying to keep it going so they can collect interest. Original amount {$720.00} they claim i owe {$1500.00}. I DO NOT OWE XXXX XXXXXXXX XXXX nor Barclay Bank. Contact me XXXX XXXX XXXX XXXX, ( XXXX ) XXXX, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11364
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Barclays Bank has mistakenly placed me as an authorized user on a strangers account. They are reporting this information to XXXX. When I call Barclays Bank they stated that they could not help me because I dont have information about the primary cardholder. When I contacted XXXX, they stated that I needed to contact Barclays. I cant get anywhere with Barclays because I do not know whose account they have mistakenly linked me to. I believe this happened in error because I was placed as an authorized user on my mothers account. My mothers name is XXXX XXXX. Somehow during this process I was placed on a complete strangers account as an authorized user. Please help me get unlinked from this strangers account as an authorized user and removed from my XXXX credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I set up autopay on a Barclay 's credit card in XX/XX/2023. Barclay did not process the payments because my bank could not locate their bank account. They finally sent me a letter about this problem on XX/XX/2023, after reporting my account delinquent to the credit bureaus and lowering my credit limit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 03103
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A