Date Received: 2023-05-03
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: 15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33936
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
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: They claim that I owe Barklays Bank Delaware the sum of {$16000.00} as of XX/XX/2023. The bulk of these charges are as a result of identity theft and fraudulent use of my credit card number by a person identified by Barklays Bank fraud investigators as residing in the state of Ohio, a state in which I have never resided nor more than passed through on the interstate on my way to the XXXX XXXX. I have made numerous attempts to resolve this, with their collection department and fraud division and get no results. They have been sending my statements to an address in Ohio where I don't live nor does anyone I know live, and when I first learned of these cash withdrawals ( something I never do ) they cancelled my account, issued a new card, transferred all of the fraudulent transactions to the new card and allowed the fraudulent person to make more transactions on the card. I have no resolution to this problem, and now they have referred this entire amount to a collection agency for collection- they have ruined my spotless credit report by false reporting of my non-payment of this account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62526
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They have called repeatedly.3 or more times a day every 6 days of the week. They also email me multiple times a week. I forgot to pay it and when I saw that they called the first time it reminded me. I was at work so I was going to do it when I got off ... .then they called multiple more times that day before I got off and now I just haven't paid because they are irritating me while at work.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76209
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My Jetblue Barclays credit card was used to purchase at XXXX XXXX XXXX on XX/XX/2024 ; I informed the company that the card was in my possession and that I was not the person making those purchases. At the moment, they removed the charges from my account. However, this month, I received a statement with the reverse charges and an explanation that says that the fraud investigation team found the charges legit because I told them that the card was in my possession and according to their policy and rules, their chip can not be replicated and I have to take responsibility of those charges. I offered to send a copy of my passport to prove that I was in the US when those charges were done, but they did not guarantee that that would help. I feel very frustrated because those chips are being replicated or the thieves are using something to steal the information. The Barclay credit card company is not helping its customers resolve these fraudulent transactions. Below are the charges I am being forced to pay for : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$8.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$37.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$70.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$120.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$48.00} Total purchase activity for this period {$320.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2022 I sent Barclays two {$1000.00} money orders to pay off my card. These transactions are both posted in my account. On XX/XX/2022 Barclays posted a {$1000.00} charge on my card. I noticed this charge 2 weeks later and called customer service. After an hour and a half I hung up as they insisted this was a convenience check I had cashed ( I have never used these checks in my life ). 2 months later after a 2 hour call they finally acknowledged that it was an automatic charge because the system thought my two money orders were a duplicate payment. The told me I would receive a check in the mail for the {$1000.00}. In XXXX I called them again - another 2 hours - to tell them I have never received a check and I requested the charge be removed. They told me they would cancel that check and send me a new one. I was very unhappy about this solution. I waited 4 months until the end of XXXX and just phoned them again on XX/XX/XXXX. During this call I was initially told that I had cashed the check they sent me and I definitely had not gotten a check. After a half hour they acknowledged I never received a check and that they would cancel they one they already sent and issue a new check. I asked customer service to outline this case to me so I could write everything down. They told me our second interaction in XXXX involved fraud ( it did not ) and I asked them to detail to me what this meant. Then customer service person hung up on me. I pay my card off every month ( and have for 30 years ), and this XXXX has been sitting on my card for 7 months accruing about XXXX $ + interest. The company refuses to remove the charge OR the interest. I hope you can help, I am at my wits end. Im a XXXX XXXX XXXX with a great credit score that Ive spent 30 years building.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 955XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
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: After doing a minor audit I found a fraud charge when I reported it to the credit card company my claim was denied with in 24 hours I dont think this is far as how can they investigate something that fast. I was defrauded and it seems like Barclay Rci elite reward is protecting this merchant instead of me as a customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92131
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My name is XXXX XXXX XXXX, I am XXXX years, and my wife, XXXX XXXX XXXX, who is XXXX XXXX XXXX, are both fully retired and XXXX. We are both XXXX and can not stand up or walk without the help of an aide. To get anywhere, it would require us to order a paratransit as an aide to come along with us. On XX/XX/2023, my wife and I with the help of our daughter, XXXX helped open a savings account with Barclays Bank. One of the features we liked about Barclays was their mobile deposit feature since we are both XXXX. We deposited my XXXX Check for {$1800.00} and two other cashiers checks for {$88.00} and {$680.00} exclusively. All the deposits were accepted and cleared but we were told that the funds would not be available until the XXXX of XX/XX/2023. We found this very unusual because normally a government check and a cashiers check from another major bank have guarantees on them. But we waited patiently. They did not offer an ATM nor Debit card for their savings account to give us access to our funds. The only option they provided was to link our account with an external bank account. Unfortunately, we did not have another bank to link to. We did have a XXXX account, which has worked for us tremendously. Barclays required a routing number and an account number from XXXX. We have a debit card with XXXX which was very convenient for us. Most banks would prefer using your debit card for payments and transfers. Again, Barclays Bank did not have that option. We only knew the account number of our XXXX XXXX account, but not the routing number. Our daughter looked it up on the internet and discovered that our XXXX XXXX was serviced by XXXX XXXX. We provided our daughter 's routing number and forwarded it to Barclays Bank along with our XXXX account. Thereafter, we were told by Barclay that it would take 3 to 5 business days to verify the external account. We were livid! It takes XXXX less than a day to verify bank accounts. So, we patiently waited again. The following day we received an email from Barclays stating that they could not verify the account and would require a bank statement of the account. We contacted XXXX, which provided us with a Savings Statement from XX/XX/XXXX to XX/XX/2023, and forwarded it to Barclays. A couple of days later, again we received an email from Barclays stating that they require a bank statement from XXXX XXXX and not XXXX. We never said we had an account with XXXX XXXX! Barclays insisted on a bank statement from XXXX XXXX after we stated that we do not have access to such an account but only through XXXX. These went on for days. Since we could not provide a XXXX XXXX statement, they escalated our predicament to fraud and required us to provide a copy of our drivers license and social security card. We did as instructed. We kept calling to verify receipt of our documents. A couple of days later, not bothering to return our phone calls, we instead receive an email stating that our account has been suspended until further notice. We contacted a XXXX Manager and asked if we could do a three-way call with Barclays to verify our account, but Barclays refused to accept the call. We tried to call again and the receptionist that answered the call stated that our account would be closed, and the funds would be sent back to the original issuer! This act is a total violation of our rights as a consumer and as a bank customer in violation of compliance with the terms and conditions of our agreement which requires them to have full disclosure of the status of our account upon request and refusing to communicate with us upon contact and never replied back to our calls or email and refusing to release our funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94546
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have been made aware that Barclays Bank Delaware continues to violate my consumer rights excessively! I have had multiple encounters with Barclays and now request that they send me my public and private accounting records, along with all other account records, in accordance with GAAP. Billing statements and letters are not considered documentary evidence and are deemed fraudulent documentation! I did not give my consent or authorize them to furnish my nonpublic personal information! This behavior constitutes dead-right fraud and violates consumer protection laws. Barclays Bank Delaware has ten days to send me all documentary evidence, including my public and private accounting records, or I will submit a whistleblower form to the IRS for tax fraud. In addition, the continuous CALLS, EMAILS ETC constitutes HARASSMENT AND ABUSE, which is also a violation of the law. Per the FDCPA, it is a {$1000.00} fee per violation! Attached are whistleblower forms for your review, and I am keeping all documentation and evidence to build my case for litigation. This behavior may be considered racketeering, which carries a XXXX prison sentence. Please do not send any more statements or letters ; instead, send me my private and public accounting records or block, remove, and delete my account. Account Number : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX Last reported XXXX XXXX, XXXX {$830.00} Open balance 08 BARCLAYS BANK DELAWARE Original creditor XXXX Opened XX/XX/XXXX ( 4 yrs, 10 mos ) I have never opened an account with Barclays bank. This account was opened fraudulently and is causing hardship on my life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30248
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Barclays Bank Delaware has reported a late payment on XX/XX/21 which is a direct violation of the FCRA 15 US code 1666b Timing of Payments. '' A creditor may not treat a payment on a credit card account under a an open end consumer credit plan as late for any purpose ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 240XX
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A