Date Received: 2024-02-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 1st hard inquiry was from XXXX back in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2nd hard inquiry was in XX/XX/XXXX BARCLAYS BANK BARCLAYS BANK DELAWARE XXXX XXXX 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: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2024-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX I made a payment on my Old Navy Awards Card issued by Barclays Bank in the amount of {$46.00}. It was for an online purchase of {$22.00} and included a late fee of {$22.00}. I forgot to pay it because I forgot I used it. I never use it because Ive had NOTHING but problems every time I do. A few weeks later I noticed I have another balance of {$46.00} plus an additional {$22.00} & another {$2.00} saying my payment was returned by my bank. I called because I have no idea why that would have happened, I had thousands in my checking account. They waived the fee, I paid it again over the phone ( this was on or around XX/XX/XXXX ). A few weeks after that, I noticed it happened again! I called my bank, and they have NO RECORD OR ANY TRANSACTIONS FROM BARCLAYS BANK. Nothing that they would have stopped or reversed at all. Nothing going out, nothing coming back in. So I called Barclays again! Was on the phone for HOURS fighting these fraudulent fees! Finally they agreed to me paying the original amount of {$22.00}. I asked for them to mail me a final statement, close my account. When I got it I would mail them a check directly. I am still waiting for a statement to come. My balance is still WRONG online! I get automated calls daily about a past due balance. I sent a message to them yesterday about it, and the message said someone will call within 24 hours, NO CALL YET. I see on my credit report that they reported a late payment. I have 100 % on time payments from all of my other accounts! This is insane. How can they still be in business with their fraudulent practices??!!! I need answers on where to go with this! Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17408
Submitted Via: Web
Date Sent: 2024-02-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I looked at my XXXX credit profile and seen that there were unauthorized inquiries XXXX XXXX XXXX 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: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2024-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I reported a fraudulent transaction in the amount of {$540.00} that occurred on XX/XX/XXXXXXXX with my Barclays View credit card to Barclay 's fraud department as I did not recognize the transaction. They provided a provisional credit and investigated the transaction, which ultimately resulted in them charging me back for the amount and interest from a letter dated XX/XX/XXXX, stating their reasoning as the transaction being valid as the " chip card technology was used and the card was in my possession ''. I called them back to confirm that again this transaction never occurred and if they truly think it's valid to provide my signature or more documentation. Again, simply because the chip technology was used, does not mean I approved/authorized the transaction since various merchants ( i.e. restaurants ) handle the card when you make a purchase and could make a fraudulent transaction with it. As of XX/XX/XXXX, they have not decided to reverse the transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2024-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Money is issued by the banks in return for government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances. This is because it is backed by the credit line of the nation, and our labor was pledged as collateral near the time of our birth. In XXXX we trust = Government XXXX XXXX, is this incorrect, if so, can you provide me information regarding any information of grantor trust begging with " XXXX ''?
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: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
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: XX/XX/XXXX - I filed a disputed transaction report with Barclaycard, regarding an item purchased from XXXX that was never delivered. XX/XX/XXXX - Barclaycard issued a provisional credit for the disputed amount. XX/XX/XXXX - Barclaycard sent a letter stating that they tried to call me twice to gather additional information ( I don't deny this - I did not answer the calls because I didn't recognize the number and thought they were junk. ) Therefore Barclaycard reapplied the amount of the item to my account. However, the letter stated I could reassert my claim within 10 days of the receipt of the letter and could send additional documentation to support it to an address they provided. The letter was dated XX/XX/XXXX but I received it on XX/XX/XXXX. XX/XX/XXXX - I mailed a letter to Barclaycard to the address they provided reasserting my claim. Documentation was included. XX/XX/XXXX - My letter was returned unopened, marked " Return to Sender/Attempted - Not Known/Unable to Forward/Return to Sender. '' XX/XX/XXXX - I contacted the Barclaycard Dispute Department and was given a different address to mail the paperwork to. They gave me instructions to formally request for the case to be reopened. I mailed the letter the same day. XX/XX/XXXX - Barclaycard sends a letter denying my claim, stating " We are outside of the permitted timeframe to continue this claim through the dispute process. '' XX/XX/XXXX - Barclaycard unexpectantly sends another letter stating, " we are pleased to notify you that we have resolved your billing dispute with XXXX in your favor. You will see a credit of {$280.00} on your next billing statement. '' XX/XX/XXXX - The credit does not appear on my next billing statement, so I call the number provided by XXXX for help. They say the issue is " being escalated to the back office team '' and to look for credit to be applied soon. XX/XX/XXXX - The credit does not appear on the next statement. I call Barclaycard again. I am told, " rest assured you have won your case. Credit will be applied. Please continue to wait patiently. '' XX/XX/XXXX - XXXX months later the credit still has not been applied to any statement. I called Barclaycard. The representative says he sees nothing in the system regarding their letter of XX/XX/XXXX and wants me to mail in a copy of it. I refused and demanded to speak to a supervisor. The supervisor acknowledges they sent the letter, and said the credit should be issued in XXXX week. XX/XX/XXXX - As I write this complaint, no credit has been issued. Thank you for taking this complaint against this company, who is giving this long-time customer the run-around for no apparent reason. This business practice needs to be stopped for the good of all consumers. I have documentation of everything referred to above : the letters Barclaycard sent, copies of the letters I sent, the returned envelope, post office receipts, notes from phone calls with the names and ID numbers of the Barclaycard representatives I talked to, as well as documentation from the original transaction with XXXX and their delivery carrier XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94509
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
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: I purchased a ticket for {$240.00} from Frontier Airlines on XX/XX/XXXX. On XX/XX/XXXX someone accessed this reservation and canceled it. I requested a full refund from Frontier Airlines, and they would not grant it. I specifically told them I did not cancel the reservation and asked them what country the cancellation came from, and they would not provide that information. The reservation was purchased on a Barclay 's Frontier Airlines Mastercard. Once the charge was listed on my account, I disputed it. On XX/XX/XXXX, I called Barclay 's to check the status of my dispute, and the customer representative indicated they had rejected it. The representative said that I should write Barclay 's Billing, Disputes and Fraud department to notify them that this was a fraudulent charge. On XX/XX/XXXX, I wrote and sent Barclay 's that letter. On XX/XX/XXXX I received a letter from Barclay 's dated XX/XX/XXXX stating " After further review, we're not able to assist you with obtaining a credit to your account due to the following : Insufficient proof that the merchant has violated the invoice/contract 's terms and conditions. ' This statement did not state anything about Barclay 's fraud protection, which as far as I can tell is non-existent despite their claims otherwise. On XX/XX/XXXX I canceled the Barclay 's Frontier Mastercard and sent Barclay 's a letter stating that I dispute their implication that there was no fraud, and that I would not be paying the charges and any associated fees, and that they should pass that information along to XXXX, XXXX and XXXX. I will note that all I was asking for was fraud protection. Frontier Airlines has a system with very little security, such that someone was able to access my reservation and cancel it. Barclay 's Frontier Airlines Mastercard should protect its customers from this type of fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 804XX
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
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: I made a purchase on the internet website that later turned out to be a fraudulent site. It was a purchase for some bags and the bags were never delivered to me, so I proceeded to dispute the charge of {$75.00} which I made on XX/XX/2023 from a merchant called XXXX but the website was called XXXX Prior to submitting a dispute with the Barclays Bank I tried to resolve it with the merchant via emails, which never went anywhere and the issue was never resolved. I submitted all the proof of correspondence between me and the merchant including images from the site that it doesn't even exist anymore, yet the Barclays Bank sited with this fraudulent merchant instead me the consumer and failed to protect me from internet scams. I am asking for your assistance and resolving this issue with the bank, that failed to protect me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33326
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Prior to Pandemic I had Impeccable Payment history XXXX credit score, I value being a financial responsible client/consumer. However, during Covid-19 I suffered from a major hardship, I had great death in my family I lost my former husband, who at the time was my primary source of income. I also was laid off my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to Barclays Bank of Delaware XXXX in reference to 2 Accounts that I had at the time with them. ( XXXX & XXXX ) and requested Hardship options, I agreed to do a settlement with lender account was paid. I was informed me that account would be kept current, no late payments will be reported due to me agreeing to settle account. According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I contest that creditor remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditor adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amends Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID -19crisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue I have reached out to them in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts still remain the same inaccurately Late Payment history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21239
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I got a letter dated XX/XX/ saying that youre closing the account and youre going to start a fraudulent investigation. Keep in mind Ive asked you to do this for the last XXXX months then I get multiple letters dated XX/XX/, so were talking about 24 hours or less youre telling me you investigated this fraud claim. Im just gon na be blunt. I dont believe you whoevers in charge of my case is made up their mind and clearly isnt willing to accept that. Maybe they were wrong for the life of me I dont know how you came to this conclusion. You said that the authorized user Use the card. No he did not authorize users was the one that was lost and used fraudulently but the authorized user didnt have it in his possession. He didnt use the card. Why do you think that we had the card? Do you have some proof that youre not sharing? If you started an investigation on XX/XX/XXXX. Why were the late charges in interest not removed why was there no provisional credits issued why does it say my account is past due if youre investigating oh wait you didnt actually investigate sent me a bunch of form letters, hoping that I would Decision and go away thats not gon na happen. We will end up in court before I pay a XXXX on this. This is ridiculous. We did not have a card in our possession. It was lost found Ive given you all this information multiple times over the phone advantage your questions I filled out your paperwork, and you dont even investigate because theres no way you investigated this less than 24 hours unless you have some proof you need to issue a full complete refund to this account. I just dont understand and these form letters that you keep sending me thats not helpful. This is terrible customer service you need to send me a real letter, explaining how youve come to your decision, considering that we were not in any of these locations during the time that these charges were made, we didnt have the card in our possession. Why do you think we did? Why have you not issued provisional credits? Why are you not investigating this for real why does it say my account is past XXXX it shouldnt say that if youre actually investigating it for fraud, or are you breaking the law and not investigating properly? Id like you to answer that question right here with the CFPB can see what you have to say. Ive done everything Im supposed to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A