Date Received: 2023-04-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Barclays reported my XX/XX/XXXX payment as being 30-days past due. The delinquent account showing on my credit report fir XX/XX/XXXX was due to XXXX pandemic and I intend to make up the payments as soon as I could, and the payments were made up with the account becoming current. At the time of the due payment my state and city had a 'shelter in place ' due to quarantining myself due to XXXX symptoms. Section 4021 : Credit Protection During XXXX The CARES Act amends the FCRAs duties on furnishers during the XXXX crisis in a significant way. If a furnisher makes an accommodation with respect to XXXX or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make one or more payments pursuant to the accommodation, then the furnisher must report such credit obligation or account as current during the period of the accommodation. Importantly, this means that furnishers should not report an affected account using forbearance coding during the accommodation period and, instead, should report that account as current. If the account was delinquent prior to the accommodation, then the furnisher must report the account as the status reported prior to the accommodation until the account is brought current. An accommodation is defined as relief granted to a consumer who is affected by XXXX during the covered period. And, according to Section 4021 ( F ) ( i ) ( II ), the covered period is the period beginning on XX/XX/XXXX, and ending on 120 days after the XXXX national emergency is terminated which was XX/XX/XXXX. The Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. The Bureaus statement informs lenders they must comply with the CARES Act. The Bureaus statement also encourages lenders to continue to voluntarily provide payment relief to consumers and to report accurate information to credit bureaus relating to this relief. The continuation of reporting such accurate payment information produces substantial benefits for consumers, users of consumer reports, and the economy as a whole. If a consumer is able to obtain a covered accommodation, the CARES Act offers the following protections : If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ). If the consumer was already delinquent when the consumer received the accommodation, but complies with the accommodation agreement, the creditor or other furnisher must report the same delinquency status during the accommodation period. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( aa ). The CARES Act provision is considered in pari materia with the standard for accuracy under the reinvestigation requirements of CRA-referred disputes under section 1681s-2 ( b ). Therefore, the CARES Act provision informs those reinvestigation duties. Indeed, several courts note the interplay between furnisher duties found in subsections 1681s-2 ( a ) and 1681s-2 ( b ). See NCLCs Fair Credit Reporting 6.10.5. Most notably is the Fourth Circuit in Saunders v. Branch Banking & Trust Co. of Virginia, 526 F.3d 142, 150 ( 4th Cir. 2008 ) : The first subsection, 1681s-2 ( a ), provides that furnishers have a general duty to provide accurate and complete information ; the next subsection, 1681s-2 ( b ), imposes an obligation to review the previously disclosed information and report whether it was incomplete or inaccurate upon receipt of a notice of dispute from a CRA. The second subsection thus requires furnishers to review their prior report for accuracy and completeness ; it does not set forth specific requirements as to what information must be reported, because these requirements have already been set forth in the first subsection. As stated by one court summarizing the Saunders jurisprudence, If a furnisher has a duty to report information under the subsection ( a ) standard, that information must also be covered by the subsection ( b ) duty to investigate and correct incomplete or inaccurate information. Shames-Yeakel v. Citizens Fin. Bank, 677 F. Supp. 2d 994, 1005 ( N.D. Ill. 2009 ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37043
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
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 reported a charge on my Gap/Barcley credit card for a Gap credit card account number ending in XXXX. I called gap and they assured me they will be removing the charge.. However, they closed my account and never removed the charge like they said they were. My credit score is going down every day because of the charge still being there. I have contacted them multiple times and they still havent resolved my issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95367
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I was an authorized user on a credit card account from BARCLAYS which has been closed since XXXX. I reach out to BARCLAYS in XX/XX/XXXX asking them to remove this account from my credit because it has been leaving a negative impact on my credit, they sent me a letter on XXXX stating if I would like to be removed as an authorized user give them a call, which I've been trying to do up until this date but I've been unsuccessful
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: At the end of XXXX and the beginning of XX/XX/XXXX I submitted a payment for my Banana Republic credit card for XXXX XXXX It was a time when Banana Republic was converting from XXXX Bank to Barclays. The personal check was issued to XXXX Bank. The money was withdraw from the account on XX/XX/XXXX by XXXX Bank XXXX never acknowledged receiving the amount of XXXX XXXX Every month I am receiving a Banana Republic credit card statements from Barclays for that amount including late fees every month. I am not using this card since the issue started back in XXXX XXXX. I made numerous calls and spoke to so many customer service representatives, relationship managers and supervisors, but they were not able to resolve an issue. The were keep reopening the cases XXXX after another over the XXXX past months with no resolution of the problem. As per Barclays, they never received the money and as per XXXX Bank, the check for XXXX $ was returned to Barclays. The check was never returned ( see attached documents from my bank and the letter from bank XXXX ). XXXX Bank keeps telling me that the money was returned to my bank, but they are not able to provide me or my bank with the proof. They acknowledged they experienced so many issues during the conversion period, yet they do not want to take responsibility for the missing money. As of right now, XXXX months later, both XXXX bank and Barclays say they are unable to resolve the problem and they expect me to pay XXXX $ again. As of today, XX/XX/XXXX, I just received the statement from XXXX bank saying " .. your payment was included in XXXX trailing payment request # XXXX, sent to Barclays Bank of Delaware on XX/XX/XXXX, XXXX at this time, we encourage you to contact Barclays Bank in order to provide the transmittal information and discuss the payment '' ( see attached document )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
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: Frontier Airlines processed a credit like they said they would in the amount they agreed to. A month later and with no explanation the put the charge back on the credit card. I reached out to Barclays US and they said they have absolutely no idea why the charge was placed back on the card. They suggested I reach out to Frontier to have the credit re-applied. I did and they said they would again process the credit they reversed, and never did.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17050
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On or about XX/XX/2023, I submitted an application to Barclays for a XXXX XXXX XXXX and it was assigned application number XXXX. By letter dated XX/XX/2023, I received a letter stating that Barclays was unable to approve me for a XXXX XXXX credit card account because " Our records indicate that a previous credit card account that you held with Barclays Bank Delaware experienced charge-off, bankruptcy, severe delinquency, or other negative performance. '' The letter further stated that " A credit bureau report was not used in making this determination. '' I have never had any previous credit card account with Barclays that experienced " charge-off, bankruptcy, severe delinquency, or other negative performance. '' The denial of the application for a XXXX XXXX XXXX was apparently a direct result of a prohibited act under the Federal Equal Credit Opportunity Act that prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, XXXX, marital status and/or age. There were no other basis that would have justified the denial of the XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
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 am writing to dispute the credit card activity on my account for the amount of {$4500.00} on XX/XX/2022. I have attached the receipt of loss claim with the claim number XXXX and the order details for your review. I received my order from XXXX XXXX on XX/XX/2022, and unfortunately, the goods were damaged during transportation. The items were not packaged properly, and as a result, the goods were dented, scratched, and unusable. Therefore, I request that you investigate this matter and issue a refund for the disputed amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91752
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: We met with Wyndham and were make a sale a timeshare. Three days after the sale we learned that the sale was made under false pretenses and would be able to be used due to my physical XXXX. Wyndham agreed after several months of deliberations and finally voided our contract agreeing to refund all down payments, including credit charged, and fixing the negative filings on our credit accounts. We have now been fighting Barclays and their debt collectors XXXX to remove this debt and clear the negative credit filings. Its been over a year and we have been harassed with weekly mail, rude phone calls, and negative filings on our credit. We keep being told send in a dispute which we have three or more times with no resolution by continuing harassment. We need help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32829
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I reached out to Barclay because my interest was higher last month even though I made a payment and did not use the credit card. I say that in a month 's time the interest went up 0.25 %. I called and they said there was nothing they could do. I looked back at other statements and they had done the same thing. I never received the 45 day notice that my interest rate was increasing. The first undisclosed raise was in XX/XX/22. No emails, no letters, or any other types of notification. The same happened with XXXX XXXX, XXXX, and XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90027
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act Barclays Bank account # XXXX, has violated my rights. XXXX5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for XXXX purpose. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32092
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A